Home > Citizens State Bank > Income and Expense
Citizens State Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,515,000 | 4,495 |
| Total interest expense | $1,265,000 | 4,558 |
| Net interest income | $2,250,000 | 4,374 |
| Provision for loan and lease losses | $-108,000 | 8,641 |
| Total noninterest income | $556,000 | 3,283 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $272,000 | 2,896 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $283,000 | 3,118 |
| Total noninterest expense | $1,579,000 | 4,726 |
| Salaries and employee benefits | $835,000 | 4,855 |
| Premises and equipment expense | $282,000 | 3,959 |
| Additional noninterest expense | $462,000 | 4,737 |
| Pre-tax net operating income | $1,335,000 | 3,121 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $344,000 | 2,855 |
| Income before extraordinary items | $991,000 | 3,234 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $991,000 | 3,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 2,179 |
| Cash dividends | $1,525,000 | 1,016 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $991,000 | 3,230 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,745,000 | 4,463 |
| Total interest expense | $625,000 | 4,466 |
| Net interest income | $1,120,000 | 4,373 |
| Provision for loan and lease losses | $-64,000 | 8,642 |
| Total noninterest income | $297,000 | 3,111 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $130,000 | 2,909 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $167,000 | 2,779 |
| Total noninterest expense | $786,000 | 4,749 |
| Salaries and employee benefits | $411,000 | 4,921 |
| Premises and equipment expense | $144,000 | 3,911 |
| Additional noninterest expense | $231,000 | 4,705 |
| Pre-tax net operating income | $695,000 | 2,988 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $177,000 | 2,781 |
| Income before extraordinary items | $518,000 | 3,077 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $518,000 | 3,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,390 |
| Cash dividends | $725,000 | 999 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $518,000 | 3,056 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,984,000 | 4,152 |
| Total interest expense | $2,081,000 | 4,318 |
| Net interest income | $4,903,000 | 4,004 |
| Provision for loan and lease losses | $-10,000 | 8,495 |
| Total noninterest income | $3,995,000 | 1,280 |
| Gross Fiduciary activities income | $1,000 | 1,485 |
| Service charges on deposit accounts | $617,000 | 2,606 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,377,000 | 927 |
| Total noninterest expense | $3,111,000 | 4,653 |
| Salaries and employee benefits | $1,680,000 | 4,700 |
| Premises and equipment expense | $544,000 | 3,935 |
| Additional noninterest expense | $887,000 | 4,828 |
| Pre-tax net operating income | $5,797,000 | 1,622 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,936,000 | 1,401 |
| Income before extraordinary items | $3,861,000 | 1,791 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,861,000 | 1,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,029 |
| Cash dividends | $1,475,000 | 1,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,861,000 | 1,765 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,205,000 | 4,116 |
| Total interest expense | $1,493,000 | 4,302 |
| Net interest income | $3,712,000 | 3,979 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $3,735,000 | 1,101 |
| Gross Fiduciary activities income | $1,000 | 1,428 |
| Service charges on deposit accounts | $464,000 | 2,588 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,270,000 | 753 |
| Total noninterest expense | $2,336,000 | 4,638 |
| Salaries and employee benefits | $1,275,000 | 4,638 |
| Premises and equipment expense | $411,000 | 3,892 |
| Additional noninterest expense | $650,000 | 4,861 |
| Pre-tax net operating income | $5,066,000 | 1,414 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,730,000 | 1,227 |
| Income before extraordinary items | $3,336,000 | 1,580 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,336,000 | 1,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 2,102 |
| Cash dividends | $875,000 | 2,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,336,000 | 1,551 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,373,000 | 4,141 |
| Total interest expense | $925,000 | 4,366 |
| Net interest income | $2,448,000 | 3,992 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $3,496,000 | 819 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $288,000 | 2,697 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,208,000 | 569 |
| Total noninterest expense | $1,580,000 | 4,570 |
| Salaries and employee benefits | $866,000 | 4,543 |
| Premises and equipment expense | $277,000 | 3,851 |
| Additional noninterest expense | $437,000 | 4,820 |
| Pre-tax net operating income | $4,364,000 | 1,081 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,526,000 | 940 |
| Income before extraordinary items | $2,838,000 | 1,238 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,838,000 | 1,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 1,811 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,838,000 | 1,214 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,668,000 | 4,146 |
| Total interest expense | $437,000 | 4,417 |
| Net interest income | $1,231,000 | 3,985 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $3,250,000 | 505 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $137,000 | 2,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,113,000 | 364 |
| Total noninterest expense | $808,000 | 4,533 |
| Salaries and employee benefits | $451,000 | 4,438 |
| Premises and equipment expense | $135,000 | 3,965 |
| Additional noninterest expense | $222,000 | 4,733 |
| Pre-tax net operating income | $3,673,000 | 668 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,359,000 | 609 |
| Income before extraordinary items | $2,314,000 | 759 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,314,000 | 760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,325 |
| Cash dividends | $600,000 | 1,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,314,000 | 737 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,872,000 | 3,862 |
| Total interest expense | $2,028,000 | 3,609 |
| Net interest income | $4,844,000 | 3,889 |
| Provision for loan and lease losses | $80,000 | 5,318 |
| Total noninterest income | $5,196,000 | 1,050 |
| Gross Fiduciary activities income | $1,000 | 1,536 |
| Service charges on deposit accounts | $618,000 | 2,643 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,577,000 | 709 |
| Total noninterest expense | $6,595,000 | 2,422 |
| Salaries and employee benefits | $3,988,000 | 2,177 |
| Premises and equipment expense | $739,000 | 2,986 |
| Additional noninterest expense | $1,868,000 | 2,572 |
| Pre-tax net operating income | $3,365,000 | 2,343 |
| Securities gains (losses) | $-1,571,000 | 8,914 |
| Applicable income taxes | $411,000 | 3,681 |
| Income before extraordinary items | $1,383,000 | 3,831 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,383,000 | 3,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 1,991 |
| Cash dividends | $1,725,000 | 1,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,592,670 | 2,298 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,171,000 | 3,825 |
| Total interest expense | $1,570,000 | 3,482 |
| Net interest income | $3,601,000 | 3,907 |
| Provision for loan and lease losses | $35,000 | 5,873 |
| Total noninterest income | $3,905,000 | 1,053 |
| Gross Fiduciary activities income | $1,000 | 1,478 |
| Service charges on deposit accounts | $462,000 | 2,663 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,442,000 | 730 |
| Total noninterest expense | $5,033,000 | 2,364 |
| Salaries and employee benefits | $2,938,000 | 2,212 |
| Premises and equipment expense | $624,000 | 2,685 |
| Additional noninterest expense | $1,471,000 | 2,436 |
| Pre-tax net operating income | $2,438,000 | 2,439 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $669,000 | 2,394 |
| Income before extraordinary items | $1,769,000 | 2,592 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,769,000 | 2,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 1,727 |
| Cash dividends | $1,425,000 | 1,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,769,000 | 2,525 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,417,000 | 3,854 |
| Total interest expense | $1,064,000 | 3,417 |
| Net interest income | $2,353,000 | 3,962 |
| Provision for loan and lease losses | $-10,000 | 8,863 |
| Total noninterest income | $2,645,000 | 1,036 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $287,000 | 2,815 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,358,000 | 710 |
| Total noninterest expense | $3,395,000 | 2,337 |
| Salaries and employee benefits | $1,949,000 | 2,222 |
| Premises and equipment expense | $416,000 | 2,696 |
| Additional noninterest expense | $1,030,000 | 2,328 |
| Pre-tax net operating income | $1,613,000 | 2,425 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $439,000 | 2,414 |
| Income before extraordinary items | $1,174,000 | 2,575 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,174,000 | 2,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 1,340 |
| Cash dividends | $1,425,000 | 944 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,174,000 | 2,509 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,692,000 | 3,886 |
| Total interest expense | $549,000 | 3,356 |
| Net interest income | $1,143,000 | 4,060 |
| Provision for loan and lease losses | $-55,000 | 9,008 |
| Total noninterest income | $1,289,000 | 1,026 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $137,000 | 2,859 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,152,000 | 716 |
| Total noninterest expense | $1,733,000 | 2,294 |
| Salaries and employee benefits | $1,001,000 | 2,192 |
| Premises and equipment expense | $207,000 | 2,727 |
| Additional noninterest expense | $525,000 | 2,258 |
| Pre-tax net operating income | $754,000 | 2,553 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $199,000 | 2,588 |
| Income before extraordinary items | $555,000 | 2,697 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $555,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,530 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $555,000 | 2,603 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,292,000 | 3,695 |
| Total interest expense | $2,375,000 | 3,483 |
| Net interest income | $4,917,000 | 3,726 |
| Provision for loan and lease losses | $315,000 | 3,050 |
| Total noninterest income | $3,910,000 | 1,367 |
| Gross Fiduciary activities income | $1,000 | 1,575 |
| Service charges on deposit accounts | $585,000 | 2,753 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,324,000 | 1,011 |
| Total noninterest expense | $5,683,000 | 2,734 |
| Salaries and employee benefits | $3,405,000 | 2,477 |
| Premises and equipment expense | $776,000 | 2,833 |
| Additional noninterest expense | $1,502,000 | 3,079 |
| Pre-tax net operating income | $2,829,000 | 2,629 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $717,000 | 2,747 |
| Income before extraordinary items | $2,112,000 | 2,744 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,112,000 | 2,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,731 |
| Cash dividends | $2,750,000 | 1,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,112,000 | 2,616 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,533,000 | 3,700 |
| Total interest expense | $1,815,000 | 3,537 |
| Net interest income | $3,718,000 | 3,725 |
| Provision for loan and lease losses | $240,000 | 2,928 |
| Total noninterest income | $2,604,000 | 1,538 |
| Gross Fiduciary activities income | $1,000 | 1,533 |
| Service charges on deposit accounts | $422,000 | 2,840 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,181,000 | 1,158 |
| Total noninterest expense | $4,029,000 | 2,884 |
| Salaries and employee benefits | $2,388,000 | 2,641 |
| Premises and equipment expense | $559,000 | 2,925 |
| Additional noninterest expense | $1,082,000 | 3,176 |
| Pre-tax net operating income | $2,053,000 | 2,793 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $514,000 | 2,977 |
| Income before extraordinary items | $1,539,000 | 2,908 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,539,000 | 2,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,549 |
| Cash dividends | $2,750,000 | 784 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,539,000 | 2,765 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,730,000 | 3,695 |
| Total interest expense | $1,224,000 | 3,605 |
| Net interest income | $2,506,000 | 3,692 |
| Provision for loan and lease losses | $165,000 | 2,855 |
| Total noninterest income | $1,735,000 | 1,532 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $260,000 | 2,974 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,475,000 | 1,150 |
| Total noninterest expense | $2,661,000 | 2,904 |
| Salaries and employee benefits | $1,579,000 | 2,662 |
| Premises and equipment expense | $370,000 | 2,950 |
| Additional noninterest expense | $712,000 | 3,185 |
| Pre-tax net operating income | $1,415,000 | 2,718 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $362,000 | 2,895 |
| Income before extraordinary items | $1,053,000 | 2,865 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,053,000 | 2,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,754 |
| Cash dividends | $2,150,000 | 694 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,053,000 | 2,694 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,880,000 | 3,702 |
| Total interest expense | $622,000 | 3,638 |
| Net interest income | $1,258,000 | 3,668 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $859,000 | 1,493 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $113,000 | 3,234 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $746,000 | 1,111 |
| Total noninterest expense | $1,310,000 | 2,916 |
| Salaries and employee benefits | $798,000 | 2,628 |
| Premises and equipment expense | $193,000 | 2,842 |
| Additional noninterest expense | $319,000 | 3,468 |
| Pre-tax net operating income | $717,000 | 2,688 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $182,000 | 2,864 |
| Income before extraordinary items | $535,000 | 2,803 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $535,000 | 2,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,468 |
| Cash dividends | $1,300,000 | 540 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $535,000 | 2,658 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,527,000 | 3,451 |
| Total interest expense | $3,634,000 | 2,993 |
| Net interest income | $4,893,000 | 3,734 |
| Provision for loan and lease losses | $360,000 | 3,054 |
| Total noninterest income | $3,151,000 | 1,507 |
| Gross Fiduciary activities income | $6,000 | 1,474 |
| Service charges on deposit accounts | $491,000 | 3,018 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,654,000 | 1,089 |
| Total noninterest expense | $5,049,000 | 2,900 |
| Salaries and employee benefits | $3,043,000 | 2,589 |
| Premises and equipment expense | $713,000 | 2,960 |
| Additional noninterest expense | $1,293,000 | 3,392 |
| Pre-tax net operating income | $2,635,000 | 2,779 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $616,000 | 3,078 |
| Income before extraordinary items | $2,019,000 | 2,776 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,019,000 | 2,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,818 |
| Cash dividends | $2,675,000 | 1,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,019,000 | 2,682 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,875,000 | 3,351 |
| Total interest expense | $5,560,000 | 2,859 |
| Net interest income | $4,315,000 | 3,895 |
| Provision for loan and lease losses | $360,000 | 2,816 |
| Total noninterest income | $3,516,000 | 1,304 |
| Gross Fiduciary activities income | $17,000 | 1,335 |
| Service charges on deposit accounts | $529,000 | 2,708 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,970,000 | 952 |
| Total noninterest expense | $5,782,000 | 2,457 |
| Salaries and employee benefits | $3,345,000 | 2,240 |
| Premises and equipment expense | $712,000 | 2,902 |
| Additional noninterest expense | $1,725,000 | 2,565 |
| Pre-tax net operating income | $1,689,000 | 3,570 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $409,000 | 3,690 |
| Income before extraordinary items | $1,280,000 | 3,625 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,280,000 | 3,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 2,394 |
| Cash dividends | $2,255,000 | 1,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,280,000 | 3,532 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,802,000 | 2,935 |
| Total interest expense | $7,141,000 | 2,370 |
| Net interest income | $4,661,000 | 3,686 |
| Provision for loan and lease losses | $540,000 | 1,753 |
| Total noninterest income | $2,941,000 | 1,373 |
| Gross Fiduciary activities income | $25,000 | 1,132 |
| Service charges on deposit accounts | $470,000 | 2,853 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,446,000 | 989 |
| Total noninterest expense | $5,445,000 | 2,505 |
| Salaries and employee benefits | $3,096,000 | 2,308 |
| Premises and equipment expense | $720,000 | 2,813 |
| Additional noninterest expense | $1,629,000 | 2,616 |
| Pre-tax net operating income | $1,617,000 | 3,865 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $401,000 | 3,978 |
| Income before extraordinary items | $1,216,000 | 3,825 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,216,000 | 3,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $482,000 | 1,274 |
| Cash dividends | $550,000 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,216,000 | 3,808 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,385,000 | 3,109 |
| Total interest expense | $5,278,000 | 2,770 |
| Net interest income | $5,107,000 | 3,392 |
| Provision for loan and lease losses | $550,000 | 1,631 |
| Total noninterest income | $2,620,000 | 1,510 |
| Gross Fiduciary activities income | $10,000 | 1,265 |
| Service charges on deposit accounts | $399,000 | 3,222 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,211,000 | 1,073 |
| Total noninterest expense | $5,171,000 | 2,611 |
| Salaries and employee benefits | $2,975,000 | 2,356 |
| Premises and equipment expense | $712,000 | 2,833 |
| Additional noninterest expense | $1,484,000 | 2,895 |
| Pre-tax net operating income | $2,006,000 | 3,334 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $634,000 | 3,099 |
| Income before extraordinary items | $1,372,000 | 3,475 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,372,000 | 3,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $562,000 | 1,119 |
| Cash dividends | $4,275,000 | 732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,372,000 | 3,443 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,870,000 | 3,269 |
| Total interest expense | $4,783,000 | 3,125 |
| Net interest income | $5,087,000 | 3,336 |
| Provision for loan and lease losses | $435,000 | 1,930 |
| Total noninterest income | $589,000 | 4,438 |
| Gross Fiduciary activities income | $14,000 | 1,254 |
| Service charges on deposit accounts | $390,000 | 3,205 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $185,000 | 5,166 |
| Total noninterest expense | $3,953,000 | 3,227 |
| Salaries and employee benefits | $1,899,000 | 3,502 |
| Premises and equipment expense | $546,000 | 3,446 |
| Additional noninterest expense | $1,508,000 | 2,757 |
| Pre-tax net operating income | $1,288,000 | 4,656 |
| Securities gains (losses) | $7,000 | 3,223 |
| Applicable income taxes | $388,000 | 4,507 |
| Income before extraordinary items | $907,000 | 4,797 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $907,000 | 4,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,006,000 | 747 |
| Cash dividends | $1,150,000 | 2,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $902,100 | 4,721 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,871,000 | 5,152 |
| Total interest expense | $2,921,000 | 4,830 |
| Net interest income | $2,950,000 | 5,371 |
| Provision for loan and lease losses | $808,000 | 1,174 |
| Total noninterest income | $292,000 | 6,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,111 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 5,921 |
| Total noninterest expense | $2,033,000 | 5,600 |
| Salaries and employee benefits | $925,000 | 6,169 |
| Premises and equipment expense | $244,000 | 6,139 |
| Additional noninterest expense | $864,000 | 4,464 |
| Pre-tax net operating income | $401,000 | 8,446 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $82,000 | 8,717 |
| Income before extraordinary items | $319,000 | 8,233 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $319,000 | 8,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $263,000 | 2,142 |
| Cash dividends | $440,000 | 3,765 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $319,000 | 8,192 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,667,000 | 5,396 |
| Total interest expense | $2,799,000 | 5,080 |
| Net interest income | $2,868,000 | 5,634 |
| Provision for loan and lease losses | $135,000 | 4,332 |
| Total noninterest income | $235,000 | 7,787 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 6,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,318 |
| Total noninterest expense | $1,883,000 | 6,204 |
| Salaries and employee benefits | $948,000 | 6,230 |
| Premises and equipment expense | $227,000 | 6,573 |
| Additional noninterest expense | $708,000 | 5,698 |
| Pre-tax net operating income | $1,085,000 | 5,461 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $337,000 | 5,449 |
| Income before extraordinary items | $748,000 | 5,533 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $748,000 | 5,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,862 |
| Cash dividends | $440,000 | 3,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $748,000 | 5,481 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,233,000 | 5,801 |
| Total interest expense | $2,499,000 | 5,572 |
| Net interest income | $2,734,000 | 5,916 |
| Provision for loan and lease losses | $48,000 | 6,309 |
| Total noninterest income | $256,000 | 7,634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 6,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,935 |
| Total noninterest expense | $1,796,000 | 6,469 |
| Salaries and employee benefits | $936,000 | 6,370 |
| Premises and equipment expense | $212,000 | 6,974 |
| Additional noninterest expense | $648,000 | 6,215 |
| Pre-tax net operating income | $1,146,000 | 5,428 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $366,000 | 5,263 |
| Income before extraordinary items | $780,000 | 5,545 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $780,000 | 5,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,500 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $780,000 | 5,528 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,634,000 | 6,021 |
| Total interest expense | $2,116,000 | 5,347 |
| Net interest income | $2,518,000 | 6,444 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $302,000 | 7,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 7,213 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 5,884 |
| Total noninterest expense | $1,831,000 | 6,618 |
| Salaries and employee benefits | $921,000 | 6,506 |
| Premises and equipment expense | $241,000 | 6,664 |
| Additional noninterest expense | $669,000 | 6,546 |
| Pre-tax net operating income | $964,000 | 6,099 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $305,000 | 5,815 |
| Income before extraordinary items | $659,000 | 6,151 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $659,000 | 6,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,355 |
| Cash dividends | $336,000 | 4,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $659,000 | 6,226 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,524,000 | 6,282 |
| Total interest expense | $2,035,000 | 5,749 |
| Net interest income | $2,489,000 | 6,569 |
| Provision for loan and lease losses | $155,000 | 4,559 |
| Total noninterest income | $212,000 | 8,992 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 7,439 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,800 |
| Total noninterest expense | $1,727,000 | 7,111 |
| Salaries and employee benefits | $864,000 | 6,929 |
| Premises and equipment expense | $227,000 | 7,148 |
| Additional noninterest expense | $636,000 | 7,036 |
| Pre-tax net operating income | $819,000 | 6,716 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $240,000 | 6,952 |
| Income before extraordinary items | $579,000 | 6,937 |
| Extraordinary gains, net | $31,000 | 2,476 |
| Net income | $610,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,964 |
| Cash dividends | $324,000 | 4,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $579,000 | 6,693 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,871,000 | 6,515 |
| Total interest expense | $2,282,000 | 6,445 |
| Net interest income | $2,589,000 | 6,421 |
| Provision for loan and lease losses | $374,000 | 3,606 |
| Total noninterest income | $210,000 | 9,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 7,416 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 9,237 |
| Total noninterest expense | $1,697,000 | 7,270 |
| Salaries and employee benefits | $856,000 | 6,896 |
| Premises and equipment expense | $216,000 | 7,482 |
| Additional noninterest expense | $625,000 | 7,301 |
| Pre-tax net operating income | $728,000 | 6,953 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $189,000 | 7,777 |
| Income before extraordinary items | $539,000 | 7,009 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $539,000 | 7,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $255,000 | 3,677 |
| Cash dividends | $290,000 | 4,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $539,000 | 6,643 |
* 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.