Home > Citizens State Bank > Income and Expense
Citizens State Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,208,000 | 3,763 |
| Total interest expense | $2,420,000 | 3,359 |
| Net interest income | $3,788,000 | 3,922 |
| Provision for loan and lease losses | $7,347,000 | 791 |
| Total noninterest income | $-1,616,000 | 8,061 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $455,000 | 2,539 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-2,071,000 | 8,062 |
| Total noninterest expense | $5,989,000 | 2,467 |
| Salaries and employee benefits | $2,526,000 | 2,924 |
| Premises and equipment expense | $664,000 | 2,899 |
| Additional noninterest expense | $2,799,000 | 1,895 |
| Pre-tax net operating income | $-11,164,000 | 7,771 |
| Securities gains (losses) | $3,000 | 3,260 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-11,161,000 | 7,804 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-11,161,000 | 7,802 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-11,161,000 | 7,803 |
| Net charge-offs | $5,922,000 | 718 |
| Cash dividends | $150,000 | 3,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-11,164,000 | 7,808 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,232,000 | 3,751 |
| Total interest expense | $1,723,000 | 3,334 |
| Net interest income | $2,509,000 | 3,932 |
| Provision for loan and lease losses | $6,367,000 | 627 |
| Total noninterest income | $-1,163,000 | 8,143 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $287,000 | 2,603 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-1,450,000 | 8,146 |
| Total noninterest expense | $3,922,000 | 2,545 |
| Salaries and employee benefits | $1,663,000 | 2,984 |
| Premises and equipment expense | $467,000 | 2,811 |
| Additional noninterest expense | $1,792,000 | 1,993 |
| Pre-tax net operating income | $-8,943,000 | 7,897 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-8,943,000 | 7,930 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-8,943,000 | 7,929 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-8,943,000 | 7,929 |
| Net charge-offs | $5,875,000 | 522 |
| Cash dividends | $150,000 | 2,953 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-8,943,000 | 7,933 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,143,000 | 3,752 |
| Total interest expense | $911,000 | 3,298 |
| Net interest income | $1,232,000 | 3,985 |
| Provision for loan and lease losses | $234,000 | 2,643 |
| Total noninterest income | $346,000 | 2,751 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $138,000 | 2,632 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $208,000 | 2,459 |
| Total noninterest expense | $1,900,000 | 2,545 |
| Salaries and employee benefits | $912,000 | 2,771 |
| Premises and equipment expense | $246,000 | 2,701 |
| Additional noninterest expense | $742,000 | 2,115 |
| Pre-tax net operating income | $-556,000 | 7,382 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-556,000 | 7,494 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-556,000 | 7,494 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-556,000 | 7,495 |
| Net charge-offs | $302,000 | 1,764 |
| Cash dividends | $75,000 | 2,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-556,000 | 7,470 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,486,000 | 3,409 |
| Total interest expense | $4,193,000 | 3,399 |
| Net interest income | $6,293,000 | 3,350 |
| Provision for loan and lease losses | $5,866,000 | 897 |
| Total noninterest income | $-1,000 | 8,149 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $635,000 | 2,541 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-636,000 | 8,239 |
| Total noninterest expense | $7,816,000 | 2,419 |
| Salaries and employee benefits | $4,145,000 | 2,427 |
| Premises and equipment expense | $959,000 | 2,727 |
| Additional noninterest expense | $2,712,000 | 2,202 |
| Pre-tax net operating income | $-7,390,000 | 7,914 |
| Securities gains (losses) | $-525,000 | 7,576 |
| Applicable income taxes | $-1,516,000 | 7,844 |
| Income before extraordinary items | $-6,399,000 | 7,887 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,399,000 | 7,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,769,000 | 721 |
| Cash dividends | $484,000 | 3,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-5,973,750 | 7,913 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,101,000 | 3,393 |
| Total interest expense | $3,258,000 | 3,417 |
| Net interest income | $4,843,000 | 3,301 |
| Provision for loan and lease losses | $3,076,000 | 890 |
| Total noninterest income | $891,000 | 3,124 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $456,000 | 2,640 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $435,000 | 3,046 |
| Total noninterest expense | $5,751,000 | 2,457 |
| Salaries and employee benefits | $3,201,000 | 2,391 |
| Premises and equipment expense | $709,000 | 2,775 |
| Additional noninterest expense | $1,841,000 | 2,314 |
| Pre-tax net operating income | $-3,093,000 | 8,029 |
| Securities gains (losses) | $-464,000 | 7,749 |
| Applicable income taxes | $-513,000 | 7,887 |
| Income before extraordinary items | $-3,044,000 | 8,020 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,044,000 | 8,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,332,000 | 1,091 |
| Cash dividends | $410,000 | 2,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,644,960 | 8,027 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,542,000 | 3,372 |
| Total interest expense | $2,286,000 | 3,409 |
| Net interest income | $3,256,000 | 3,276 |
| Provision for loan and lease losses | $685,000 | 1,559 |
| Total noninterest income | $567,000 | 3,249 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $305,000 | 2,616 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $262,000 | 3,256 |
| Total noninterest expense | $3,830,000 | 2,473 |
| Salaries and employee benefits | $2,093,000 | 2,459 |
| Premises and equipment expense | $492,000 | 2,680 |
| Additional noninterest expense | $1,245,000 | 2,269 |
| Pre-tax net operating income | $-692,000 | 7,738 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-692,000 | 7,828 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-692,000 | 7,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,187,000 | 774 |
| Cash dividends | $335,000 | 2,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-692,000 | 7,809 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,826,000 | 3,400 |
| Total interest expense | $1,256,000 | 3,335 |
| Net interest income | $1,570,000 | 3,377 |
| Provision for loan and lease losses | $394,000 | 1,169 |
| Total noninterest income | $208,000 | 3,925 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $149,000 | 2,633 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $59,000 | 4,725 |
| Total noninterest expense | $1,922,000 | 2,456 |
| Salaries and employee benefits | $1,074,000 | 2,428 |
| Premises and equipment expense | $252,000 | 2,654 |
| Additional noninterest expense | $596,000 | 2,322 |
| Pre-tax net operating income | $-538,000 | 8,107 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-538,000 | 8,166 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-538,000 | 8,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $825,000 | 518 |
| Cash dividends | $185,000 | 2,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-538,000 | 8,154 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,684,000 | 2,912 |
| Total interest expense | $5,681,000 | 3,142 |
| Net interest income | $8,003,000 | 2,729 |
| Provision for loan and lease losses | $1,812,000 | 910 |
| Total noninterest income | $1,231,000 | 3,092 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $788,000 | 2,161 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $443,000 | 3,544 |
| Total noninterest expense | $7,038,000 | 2,581 |
| Salaries and employee benefits | $4,082,000 | 2,453 |
| Premises and equipment expense | $1,041,000 | 2,476 |
| Additional noninterest expense | $1,915,000 | 2,768 |
| Pre-tax net operating income | $384,000 | 6,322 |
| Securities gains (losses) | $-468,000 | 8,360 |
| Applicable income taxes | $-215,000 | 8,140 |
| Income before extraordinary items | $131,000 | 7,025 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $131,000 | 7,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,093,000 | 961 |
| Cash dividends | $815,000 | 2,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $430,520 | 5,944 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,511,000 | 2,864 |
| Total interest expense | $4,322,000 | 3,110 |
| Net interest income | $6,189,000 | 2,657 |
| Provision for loan and lease losses | $569,000 | 1,407 |
| Total noninterest income | $977,000 | 2,967 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $611,000 | 2,078 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $366,000 | 3,370 |
| Total noninterest expense | $5,199,000 | 2,595 |
| Salaries and employee benefits | $3,053,000 | 2,455 |
| Premises and equipment expense | $775,000 | 2,484 |
| Additional noninterest expense | $1,371,000 | 2,828 |
| Pre-tax net operating income | $1,398,000 | 3,625 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $570,000 | 2,363 |
| Income before extraordinary items | $828,000 | 4,275 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $828,000 | 4,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,498 |
| Cash dividends | $562,000 | 2,785 |
| Sale, conversion, retirement of capital stock, net | $-77,000 | 8,484 |
| Net operating income | $828,000 | 4,260 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,220,000 | 2,791 |
| Total interest expense | $2,871,000 | 3,110 |
| Net interest income | $4,349,000 | 2,567 |
| Provision for loan and lease losses | $374,000 | 1,299 |
| Total noninterest income | $644,000 | 3,002 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $407,000 | 2,081 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $237,000 | 3,456 |
| Total noninterest expense | $3,338,000 | 2,708 |
| Salaries and employee benefits | $1,995,000 | 2,534 |
| Premises and equipment expense | $505,000 | 2,567 |
| Additional noninterest expense | $838,000 | 3,072 |
| Pre-tax net operating income | $1,281,000 | 2,978 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $440,000 | 2,244 |
| Income before extraordinary items | $841,000 | 3,410 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $841,000 | 3,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,420 |
| Cash dividends | $375,000 | 2,856 |
| Sale, conversion, retirement of capital stock, net | $-17,000 | 8,531 |
| Net operating income | $841,000 | 3,386 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,569,000 | 2,814 |
| Total interest expense | $1,442,000 | 3,090 |
| Net interest income | $2,127,000 | 2,617 |
| Provision for loan and lease losses | $187,000 | 1,231 |
| Total noninterest income | $322,000 | 2,973 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $215,000 | 1,942 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $107,000 | 3,642 |
| Total noninterest expense | $1,680,000 | 2,703 |
| Salaries and employee benefits | $1,018,000 | 2,517 |
| Premises and equipment expense | $257,000 | 2,518 |
| Additional noninterest expense | $405,000 | 3,139 |
| Pre-tax net operating income | $582,000 | 3,185 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $230,000 | 2,201 |
| Income before extraordinary items | $352,000 | 3,801 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $352,000 | 3,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,797 |
| Cash dividends | $187,000 | 2,540 |
| Sale, conversion, retirement of capital stock, net | $-16,000 | 8,589 |
| Net operating income | $352,000 | 3,777 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,502,000 | 2,626 |
| Total interest expense | $5,164,000 | 2,956 |
| Net interest income | $9,338,000 | 2,432 |
| Provision for loan and lease losses | $1,826,000 | 604 |
| Total noninterest income | $1,282,000 | 2,994 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $818,000 | 2,080 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $464,000 | 3,470 |
| Total noninterest expense | $6,790,000 | 2,584 |
| Salaries and employee benefits | $4,041,000 | 2,428 |
| Premises and equipment expense | $1,044,000 | 2,366 |
| Additional noninterest expense | $1,705,000 | 2,955 |
| Pre-tax net operating income | $2,004,000 | 3,642 |
| Securities gains (losses) | $6,000 | 1,217 |
| Applicable income taxes | $561,000 | 2,982 |
| Income before extraordinary items | $1,449,000 | 3,846 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,449,000 | 3,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,619,000 | 465 |
| Cash dividends | $710,000 | 3,174 |
| Sale, conversion, retirement of capital stock, net | $-602,000 | 8,646 |
| Net operating income | $1,444,680 | 3,833 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,770,000 | 2,635 |
| Total interest expense | $3,713,000 | 2,973 |
| Net interest income | $7,057,000 | 2,443 |
| Provision for loan and lease losses | $762,000 | 981 |
| Total noninterest income | $987,000 | 2,943 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $641,000 | 2,003 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $346,000 | 3,466 |
| Total noninterest expense | $5,132,000 | 2,563 |
| Salaries and employee benefits | $3,080,000 | 2,390 |
| Premises and equipment expense | $789,000 | 2,365 |
| Additional noninterest expense | $1,263,000 | 2,986 |
| Pre-tax net operating income | $2,150,000 | 2,969 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $555,000 | 2,716 |
| Income before extraordinary items | $1,595,000 | 3,071 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,595,000 | 3,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 1,635 |
| Cash dividends | $523,000 | 2,865 |
| Sale, conversion, retirement of capital stock, net | $-118,000 | 8,687 |
| Net operating income | $1,595,000 | 3,060 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,011,000 | 2,645 |
| Total interest expense | $2,368,000 | 2,956 |
| Net interest income | $4,643,000 | 2,468 |
| Provision for loan and lease losses | $492,000 | 998 |
| Total noninterest income | $681,000 | 2,874 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $434,000 | 1,958 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $247,000 | 3,346 |
| Total noninterest expense | $3,474,000 | 2,542 |
| Salaries and employee benefits | $2,106,000 | 2,335 |
| Premises and equipment expense | $534,000 | 2,322 |
| Additional noninterest expense | $834,000 | 3,020 |
| Pre-tax net operating income | $1,358,000 | 3,089 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $330,000 | 2,905 |
| Income before extraordinary items | $1,028,000 | 3,152 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,028,000 | 3,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,609 |
| Cash dividends | $330,000 | 2,976 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 773 |
| Net operating income | $1,028,000 | 3,136 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,445,000 | 2,642 |
| Total interest expense | $1,140,000 | 2,917 |
| Net interest income | $2,305,000 | 2,474 |
| Provision for loan and lease losses | $248,000 | 946 |
| Total noninterest income | $358,000 | 2,735 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $225,000 | 1,852 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $133,000 | 3,200 |
| Total noninterest expense | $1,942,000 | 2,295 |
| Salaries and employee benefits | $1,229,000 | 1,994 |
| Premises and equipment expense | $269,000 | 2,313 |
| Additional noninterest expense | $444,000 | 2,841 |
| Pre-tax net operating income | $473,000 | 3,875 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $165,000 | 2,890 |
| Income before extraordinary items | $308,000 | 4,348 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $308,000 | 4,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $165,000 | 2,621 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 564 |
| Net operating income | $308,000 | 4,339 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,185,000 | 2,677 |
| Total interest expense | $3,354,000 | 3,046 |
| Net interest income | $8,831,000 | 2,469 |
| Provision for loan and lease losses | $724,000 | 1,381 |
| Total noninterest income | $1,204,000 | 3,141 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $758,000 | 2,209 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $446,000 | 3,578 |
| Total noninterest expense | $6,618,000 | 2,518 |
| Salaries and employee benefits | $3,856,000 | 2,372 |
| Premises and equipment expense | $1,111,000 | 2,161 |
| Additional noninterest expense | $1,651,000 | 2,997 |
| Pre-tax net operating income | $2,693,000 | 3,005 |
| Securities gains (losses) | $10,000 | 1,476 |
| Applicable income taxes | $630,000 | 2,990 |
| Income before extraordinary items | $2,073,000 | 3,006 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,073,000 | 3,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $565,000 | 1,058 |
| Cash dividends | $585,000 | 3,397 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 827 |
| Net operating income | $2,065,300 | 2,981 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,846,000 | 2,697 |
| Total interest expense | $2,340,000 | 3,084 |
| Net interest income | $6,506,000 | 2,494 |
| Provision for loan and lease losses | $715,000 | 1,041 |
| Total noninterest income | $847,000 | 3,285 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $525,000 | 2,340 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $322,000 | 3,682 |
| Total noninterest expense | $5,007,000 | 2,469 |
| Salaries and employee benefits | $2,935,000 | 2,314 |
| Premises and equipment expense | $840,000 | 2,126 |
| Additional noninterest expense | $1,232,000 | 2,978 |
| Pre-tax net operating income | $1,631,000 | 3,537 |
| Securities gains (losses) | $10,000 | 1,474 |
| Applicable income taxes | $340,000 | 3,569 |
| Income before extraordinary items | $1,301,000 | 3,481 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,301,000 | 3,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $564,000 | 761 |
| Cash dividends | $469,000 | 2,916 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 674 |
| Net operating income | $1,293,100 | 3,460 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,543,000 | 2,777 |
| Total interest expense | $1,424,000 | 3,179 |
| Net interest income | $4,119,000 | 2,583 |
| Provision for loan and lease losses | $420,000 | 1,135 |
| Total noninterest income | $481,000 | 3,617 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $289,000 | 2,690 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $192,000 | 3,826 |
| Total noninterest expense | $3,319,000 | 2,458 |
| Salaries and employee benefits | $1,954,000 | 2,309 |
| Premises and equipment expense | $576,000 | 2,049 |
| Additional noninterest expense | $789,000 | 3,057 |
| Pre-tax net operating income | $861,000 | 4,102 |
| Securities gains (losses) | $9,000 | 1,390 |
| Applicable income taxes | $240,000 | 3,477 |
| Income before extraordinary items | $630,000 | 4,291 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $630,000 | 4,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 8,523 |
| Cash dividends | $301,000 | 2,911 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 546 |
| Net operating income | $623,520 | 4,258 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,672,000 | 2,832 |
| Total interest expense | $653,000 | 3,283 |
| Net interest income | $2,019,000 | 2,621 |
| Provision for loan and lease losses | $135,000 | 1,592 |
| Total noninterest income | $237,000 | 3,596 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $134,000 | 2,786 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $103,000 | 3,676 |
| Total noninterest expense | $1,598,000 | 2,559 |
| Salaries and employee benefits | $911,000 | 2,470 |
| Premises and equipment expense | $310,000 | 1,930 |
| Additional noninterest expense | $377,000 | 3,175 |
| Pre-tax net operating income | $523,000 | 3,557 |
| Securities gains (losses) | $-29,000 | 8,719 |
| Applicable income taxes | $150,000 | 3,095 |
| Income before extraordinary items | $344,000 | 3,996 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $344,000 | 3,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,650 |
| Cash dividends | $135,000 | 2,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $364,300 | 3,828 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,289,000 | 3,021 |
| Total interest expense | $2,257,000 | 3,302 |
| Net interest income | $7,032,000 | 2,864 |
| Provision for loan and lease losses | $245,000 | 3,282 |
| Total noninterest income | $1,043,000 | 3,445 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $426,000 | 3,493 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $617,000 | 2,936 |
| Total noninterest expense | $5,799,000 | 2,734 |
| Salaries and employee benefits | $3,315,000 | 2,602 |
| Premises and equipment expense | $993,000 | 2,305 |
| Additional noninterest expense | $1,491,000 | 3,136 |
| Pre-tax net operating income | $2,031,000 | 3,463 |
| Securities gains (losses) | $28,000 | 2,163 |
| Applicable income taxes | $500,000 | 3,360 |
| Income before extraordinary items | $1,559,000 | 3,540 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,559,000 | 3,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,394 |
| Cash dividends | $359,000 | 4,084 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 636 |
| Net operating income | $1,537,720 | 3,516 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,739,000 | 3,081 |
| Total interest expense | $1,614,000 | 3,395 |
| Net interest income | $5,125,000 | 2,939 |
| Provision for loan and lease losses | $405,000 | 1,746 |
| Total noninterest income | $808,000 | 3,383 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $307,000 | 3,608 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $501,000 | 2,803 |
| Total noninterest expense | $4,329,000 | 2,710 |
| Salaries and employee benefits | $2,463,000 | 2,604 |
| Premises and equipment expense | $731,000 | 2,339 |
| Additional noninterest expense | $1,135,000 | 3,089 |
| Pre-tax net operating income | $1,199,000 | 4,157 |
| Securities gains (losses) | $29,000 | 2,064 |
| Applicable income taxes | $470,000 | 3,011 |
| Income before extraordinary items | $758,000 | 4,758 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $758,000 | 4,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 1,896 |
| Cash dividends | $266,000 | 3,614 |
| Sale, conversion, retirement of capital stock, net | $115,000 | 509 |
| Net operating income | $739,440 | 4,730 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,382,000 | 3,132 |
| Total interest expense | $1,027,000 | 3,530 |
| Net interest income | $3,355,000 | 2,975 |
| Provision for loan and lease losses | $270,000 | 1,719 |
| Total noninterest income | $360,000 | 4,361 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $187,000 | 3,810 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $173,000 | 4,032 |
| Total noninterest expense | $2,748,000 | 2,848 |
| Salaries and employee benefits | $1,557,000 | 2,740 |
| Premises and equipment expense | $458,000 | 2,459 |
| Additional noninterest expense | $733,000 | 3,177 |
| Pre-tax net operating income | $697,000 | 4,464 |
| Securities gains (losses) | $29,000 | 1,812 |
| Applicable income taxes | $320,000 | 2,966 |
| Income before extraordinary items | $406,000 | 5,284 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $406,000 | 5,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 1,359 |
| Cash dividends | $177,000 | 3,614 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 500 |
| Net operating income | $387,440 | 5,307 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,154,000 | 3,190 |
| Total interest expense | $514,000 | 3,554 |
| Net interest income | $1,640,000 | 3,023 |
| Provision for loan and lease losses | $135,000 | 1,665 |
| Total noninterest income | $199,000 | 4,074 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $86,000 | 3,952 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $113,000 | 3,446 |
| Total noninterest expense | $1,238,000 | 3,129 |
| Salaries and employee benefits | $681,000 | 3,105 |
| Premises and equipment expense | $222,000 | 2,543 |
| Additional noninterest expense | $335,000 | 3,417 |
| Pre-tax net operating income | $466,000 | 3,704 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $170,000 | 2,851 |
| Income before extraordinary items | $296,000 | 4,304 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $296,000 | 4,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,290 |
| Cash dividends | $89,000 | 3,015 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 330 |
| Net operating income | $296,000 | 4,175 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,681,000 | 3,197 |
| Total interest expense | $2,353,000 | 3,505 |
| Net interest income | $6,328,000 | 3,033 |
| Provision for loan and lease losses | $542,000 | 2,025 |
| Total noninterest income | $1,466,000 | 2,893 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $371,000 | 3,813 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,095,000 | 2,256 |
| Total noninterest expense | $5,164,000 | 2,972 |
| Salaries and employee benefits | $3,067,000 | 2,715 |
| Premises and equipment expense | $736,000 | 2,957 |
| Additional noninterest expense | $1,361,000 | 3,358 |
| Pre-tax net operating income | $2,088,000 | 3,299 |
| Securities gains (losses) | $23,000 | 3,134 |
| Applicable income taxes | $610,000 | 3,030 |
| Income before extraordinary items | $1,501,000 | 3,561 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,501,000 | 3,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 2,195 |
| Cash dividends | $358,000 | 4,115 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 691 |
| Net operating income | $1,484,670 | 3,432 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,503,000 | 3,251 |
| Total interest expense | $1,797,000 | 3,563 |
| Net interest income | $4,706,000 | 3,067 |
| Provision for loan and lease losses | $324,000 | 2,370 |
| Total noninterest income | $1,276,000 | 2,658 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $283,000 | 3,799 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $993,000 | 2,059 |
| Total noninterest expense | $3,568,000 | 3,176 |
| Salaries and employee benefits | $2,008,000 | 3,079 |
| Premises and equipment expense | $542,000 | 3,014 |
| Additional noninterest expense | $1,018,000 | 3,345 |
| Pre-tax net operating income | $2,090,000 | 2,753 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $550,000 | 2,846 |
| Income before extraordinary items | $1,540,000 | 2,907 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,540,000 | 2,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 2,715 |
| Cash dividends | $265,000 | 3,662 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 585 |
| Net operating income | $1,540,000 | 2,764 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,337,000 | 3,272 |
| Total interest expense | $1,216,000 | 3,626 |
| Net interest income | $3,121,000 | 3,073 |
| Provision for loan and lease losses | $216,000 | 2,372 |
| Total noninterest income | $849,000 | 2,636 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $190,000 | 3,743 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $659,000 | 2,058 |
| Total noninterest expense | $2,369,000 | 3,199 |
| Salaries and employee benefits | $1,333,000 | 3,091 |
| Premises and equipment expense | $328,000 | 3,255 |
| Additional noninterest expense | $708,000 | 3,202 |
| Pre-tax net operating income | $1,385,000 | 2,768 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $370,000 | 2,846 |
| Income before extraordinary items | $1,015,000 | 2,941 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,015,000 | 2,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,704 |
| Cash dividends | $178,000 | 3,655 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 455 |
| Net operating income | $1,015,000 | 2,791 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,209,000 | 3,235 |
| Total interest expense | $611,000 | 3,690 |
| Net interest income | $1,598,000 | 2,991 |
| Provision for loan and lease losses | $108,000 | 2,240 |
| Total noninterest income | $481,000 | 2,351 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $96,000 | 3,642 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $385,000 | 1,785 |
| Total noninterest expense | $1,113,000 | 3,358 |
| Salaries and employee benefits | $575,000 | 3,481 |
| Premises and equipment expense | $157,000 | 3,364 |
| Additional noninterest expense | $381,000 | 2,979 |
| Pre-tax net operating income | $858,000 | 2,332 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $190,000 | 2,786 |
| Income before extraordinary items | $668,000 | 2,293 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $668,000 | 2,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 1,601 |
| Cash dividends | $89,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 413 |
| Net operating income | $668,000 | 2,170 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,435,000 | 3,483 |
| Total interest expense | $2,375,000 | 4,267 |
| Net interest income | $6,060,000 | 3,116 |
| Provision for loan and lease losses | $360,000 | 3,054 |
| Total noninterest income | $697,000 | 4,348 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $367,000 | 3,743 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $330,000 | 4,059 |
| Total noninterest expense | $4,337,000 | 3,326 |
| Salaries and employee benefits | $2,426,000 | 3,189 |
| Premises and equipment expense | $609,000 | 3,370 |
| Additional noninterest expense | $1,302,000 | 3,368 |
| Pre-tax net operating income | $2,060,000 | 3,354 |
| Securities gains (losses) | $24,000 | 3,010 |
| Applicable income taxes | $600,000 | 3,120 |
| Income before extraordinary items | $1,484,000 | 3,534 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,484,000 | 3,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,091 |
| Cash dividends | $346,000 | 4,096 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 825 |
| Net operating income | $1,466,960 | 3,454 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,031,000 | 4,014 |
| Total interest expense | $3,053,000 | 4,662 |
| Net interest income | $4,978,000 | 3,438 |
| Provision for loan and lease losses | $386,000 | 2,699 |
| Total noninterest income | $525,000 | 4,939 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $350,000 | 3,758 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $175,000 | 5,217 |
| Total noninterest expense | $3,803,000 | 3,581 |
| Salaries and employee benefits | $2,209,000 | 3,316 |
| Premises and equipment expense | $577,000 | 3,480 |
| Additional noninterest expense | $1,017,000 | 4,018 |
| Pre-tax net operating income | $1,314,000 | 4,192 |
| Securities gains (losses) | $315,000 | 875 |
| Applicable income taxes | $425,000 | 3,620 |
| Income before extraordinary items | $1,204,000 | 3,798 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,204,000 | 3,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,284 |
| Cash dividends | $332,000 | 4,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $970,900 | 4,242 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,352,000 | 4,407 |
| Total interest expense | $2,971,000 | 4,961 |
| Net interest income | $4,381,000 | 3,892 |
| Provision for loan and lease losses | $102,000 | 5,242 |
| Total noninterest income | $535,000 | 4,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $319,000 | 3,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $216,000 | 4,616 |
| Total noninterest expense | $3,350,000 | 3,858 |
| Salaries and employee benefits | $2,005,000 | 3,459 |
| Premises and equipment expense | $516,000 | 3,701 |
| Additional noninterest expense | $829,000 | 4,616 |
| Pre-tax net operating income | $1,464,000 | 4,131 |
| Securities gains (losses) | $-37,000 | 9,058 |
| Applicable income taxes | $375,000 | 4,132 |
| Income before extraordinary items | $1,052,000 | 4,237 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,052,000 | 4,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,200 |
| Cash dividends | $303,000 | 4,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,079,380 | 4,166 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,329,000 | 4,781 |
| Total interest expense | $2,429,000 | 5,286 |
| Net interest income | $3,900,000 | 4,272 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $558,000 | 4,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $261,000 | 4,344 |
| Total noninterest expense | $3,149,000 | 4,055 |
| Salaries and employee benefits | $1,797,000 | 3,749 |
| Premises and equipment expense | $477,000 | 3,928 |
| Additional noninterest expense | $875,000 | 4,476 |
| Pre-tax net operating income | $1,159,000 | 4,870 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $273,000 | 5,018 |
| Income before extraordinary items | $888,000 | 4,786 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $888,000 | 4,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,163 |
| Cash dividends | $281,000 | 4,668 |
| Sale, conversion, retirement of capital stock, net | $-648,000 | 10,163 |
| Net operating income | $886,480 | 4,748 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,649,000 | 5,204 |
| Total interest expense | $2,095,000 | 6,030 |
| Net interest income | $3,554,000 | 4,540 |
| Provision for loan and lease losses | $102,000 | 5,052 |
| Total noninterest income | $473,000 | 5,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 4,640 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 4,560 |
| Total noninterest expense | $2,731,000 | 4,467 |
| Salaries and employee benefits | $1,599,000 | 4,040 |
| Premises and equipment expense | $456,000 | 3,965 |
| Additional noninterest expense | $676,000 | 5,301 |
| Pre-tax net operating income | $1,194,000 | 4,901 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $322,000 | 4,980 |
| Income before extraordinary items | $878,000 | 4,908 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $878,000 | 4,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,323 |
| Cash dividends | $284,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $-11,000 | 10,300 |
| Net operating income | $873,620 | 4,839 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,075,000 | 5,737 |
| Total interest expense | $1,886,000 | 6,501 |
| Net interest income | $3,189,000 | 5,070 |
| Provision for loan and lease losses | $35,000 | 7,233 |
| Total noninterest income | $410,000 | 5,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 4,677 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 5,514 |
| Total noninterest expense | $2,550,000 | 4,716 |
| Salaries and employee benefits | $1,451,000 | 4,364 |
| Premises and equipment expense | $433,000 | 4,167 |
| Additional noninterest expense | $666,000 | 5,428 |
| Pre-tax net operating income | $1,014,000 | 5,787 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $252,000 | 6,242 |
| Income before extraordinary items | $762,000 | 5,620 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $762,000 | 5,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,573 |
| Cash dividends | $464,000 | 3,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $762,000 | 5,572 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,109,000 | 5,843 |
| Total interest expense | $1,963,000 | 6,480 |
| Net interest income | $3,146,000 | 5,261 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $397,000 | 5,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,668 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,251 |
| Total noninterest expense | $2,271,000 | 5,401 |
| Salaries and employee benefits | $1,310,000 | 4,824 |
| Premises and equipment expense | $376,000 | 4,765 |
| Additional noninterest expense | $585,000 | 6,444 |
| Pre-tax net operating income | $1,272,000 | 4,913 |
| Securities gains (losses) | $41,000 | 1,473 |
| Applicable income taxes | $394,000 | 4,940 |
| Income before extraordinary items | $919,000 | 4,799 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $919,000 | 4,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,498 |
| Cash dividends | $250,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $890,300 | 4,853 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,649,000 | 6,294 |
| Total interest expense | $1,646,000 | 7,285 |
| Net interest income | $3,003,000 | 5,493 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $354,000 | 6,436 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 5,078 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,773 |
| Total noninterest expense | $2,260,000 | 5,434 |
| Salaries and employee benefits | $1,240,000 | 5,070 |
| Premises and equipment expense | $374,000 | 4,799 |
| Additional noninterest expense | $646,000 | 6,226 |
| Pre-tax net operating income | $1,097,000 | 5,608 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $239,000 | 6,808 |
| Income before extraordinary items | $861,000 | 5,165 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $861,000 | 5,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $250,000 | 4,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $858,660 | 5,161 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,622,000 | 6,027 |
| Total interest expense | $1,410,000 | 7,179 |
| Net interest income | $3,212,000 | 5,304 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $382,000 | 6,314 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,698 |
| Total noninterest expense | $2,490,000 | 5,172 |
| Salaries and employee benefits | $1,389,000 | 4,602 |
| Premises and equipment expense | $335,000 | 5,238 |
| Additional noninterest expense | $766,000 | 5,904 |
| Pre-tax net operating income | $1,054,000 | 5,736 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $196,000 | 7,404 |
| Income before extraordinary items | $852,000 | 5,108 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $852,000 | 5,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,986 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $856,860 | 5,140 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,836,000 | 5,945 |
| Total interest expense | $1,597,000 | 6,888 |
| Net interest income | $3,239,000 | 5,293 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $360,000 | 6,904 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,385 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 7,075 |
| Total noninterest expense | $2,252,000 | 5,755 |
| Salaries and employee benefits | $1,252,000 | 5,040 |
| Premises and equipment expense | $286,000 | 6,090 |
| Additional noninterest expense | $714,000 | 6,454 |
| Pre-tax net operating income | $1,257,000 | 5,005 |
| Securities gains (losses) | $-56,000 | 13,104 |
| Applicable income taxes | $-63,000 | 12,905 |
| Income before extraordinary items | $1,264,000 | 3,815 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,264,000 | 3,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,983 |
| Cash dividends | $307,000 | 4,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,320,000 | 3,466 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,083,000 | 6,311 |
| Total interest expense | $1,830,000 | 7,537 |
| Net interest income | $3,253,000 | 5,334 |
| Provision for loan and lease losses | $174,000 | 5,685 |
| Total noninterest income | $320,000 | 7,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,992 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 7,446 |
| Total noninterest expense | $2,122,000 | 6,103 |
| Salaries and employee benefits | $1,174,000 | 5,261 |
| Premises and equipment expense | $282,000 | 6,251 |
| Additional noninterest expense | $666,000 | 6,983 |
| Pre-tax net operating income | $1,277,000 | 4,672 |
| Securities gains (losses) | $-4,000 | 13,019 |
| Applicable income taxes | $245,000 | 6,743 |
| Income before extraordinary items | $1,028,000 | 4,381 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,028,000 | 4,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 4,257 |
| Cash dividends | $379,000 | 3,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,031,240 | 4,061 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.