Home > Citizens State Bank > Income and Expense
Citizens State Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,441,000 | 5,392 |
| Total interest expense | $738,000 | 4,827 |
| Net interest income | $703,000 | 5,746 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $63,000 | 6,440 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $36,000 | 5,497 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $27,000 | 6,153 |
| Total noninterest expense | $327,000 | 7,262 |
| Salaries and employee benefits | $210,000 | 6,925 |
| Premises and equipment expense | $41,000 | 7,142 |
| Additional noninterest expense | $76,000 | 7,570 |
| Pre-tax net operating income | $409,000 | 3,937 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $21,000 | 4,889 |
| Income before extraordinary items | $388,000 | 3,574 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $388,000 | 3,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,851 |
| Cash dividends | $400,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $388,000 | 3,549 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,504,000 | 5,278 |
| Total interest expense | $2,604,000 | 4,713 |
| Net interest income | $2,900,000 | 5,623 |
| Provision for loan and lease losses | $102,000 | 4,687 |
| Total noninterest income | $279,000 | 6,320 |
| Gross Fiduciary activities income | $3,000 | 1,398 |
| Service charges on deposit accounts | $163,000 | 5,368 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $113,000 | 6,126 |
| Total noninterest expense | $1,250,000 | 7,305 |
| Salaries and employee benefits | $883,000 | 6,714 |
| Premises and equipment expense | $153,000 | 7,227 |
| Additional noninterest expense | $214,000 | 8,035 |
| Pre-tax net operating income | $1,827,000 | 3,855 |
| Securities gains (losses) | $-6,000 | 7,127 |
| Applicable income taxes | $91,000 | 5,046 |
| Income before extraordinary items | $1,730,000 | 3,448 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,730,000 | 3,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,543 |
| Cash dividends | $1,487,000 | 1,956 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,735,700 | 3,423 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,025,000 | 5,345 |
| Total interest expense | $1,872,000 | 4,737 |
| Net interest income | $2,153,000 | 5,700 |
| Provision for loan and lease losses | $72,000 | 4,622 |
| Total noninterest income | $162,000 | 6,834 |
| Gross Fiduciary activities income | $3,000 | 1,330 |
| Service charges on deposit accounts | $125,000 | 5,396 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $34,000 | 7,391 |
| Total noninterest expense | $930,000 | 7,316 |
| Salaries and employee benefits | $651,000 | 6,744 |
| Premises and equipment expense | $126,000 | 7,071 |
| Additional noninterest expense | $153,000 | 8,112 |
| Pre-tax net operating income | $1,313,000 | 4,076 |
| Securities gains (losses) | $-6,000 | 7,439 |
| Applicable income taxes | $65,000 | 5,264 |
| Income before extraordinary items | $1,242,000 | 3,642 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,242,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $1,462,000 | 1,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,247,700 | 3,623 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,621,000 | 5,383 |
| Total interest expense | $1,192,000 | 4,736 |
| Net interest income | $1,429,000 | 5,746 |
| Provision for loan and lease losses | $42,000 | 4,660 |
| Total noninterest income | $104,000 | 6,919 |
| Gross Fiduciary activities income | $3,000 | 1,300 |
| Service charges on deposit accounts | $83,000 | 5,395 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 7,655 |
| Total noninterest expense | $618,000 | 7,370 |
| Salaries and employee benefits | $449,000 | 6,687 |
| Premises and equipment expense | $77,000 | 7,257 |
| Additional noninterest expense | $92,000 | 8,245 |
| Pre-tax net operating income | $873,000 | 4,119 |
| Securities gains (losses) | $-4,000 | 7,633 |
| Applicable income taxes | $43,000 | 5,337 |
| Income before extraordinary items | $826,000 | 3,674 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $826,000 | 3,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $1,112,000 | 1,322 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $829,800 | 3,650 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,243,000 | 5,495 |
| Total interest expense | $558,000 | 4,806 |
| Net interest income | $685,000 | 5,865 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $60,000 | 6,628 |
| Gross Fiduciary activities income | $3,000 | 1,214 |
| Service charges on deposit accounts | $38,000 | 5,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,791 |
| Total noninterest expense | $308,000 | 7,388 |
| Salaries and employee benefits | $213,000 | 6,833 |
| Premises and equipment expense | $39,000 | 7,256 |
| Additional noninterest expense | $56,000 | 8,039 |
| Pre-tax net operating income | $425,000 | 4,140 |
| Securities gains (losses) | $-4,000 | 8,056 |
| Applicable income taxes | $20,000 | 5,352 |
| Income before extraordinary items | $401,000 | 3,711 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $401,000 | 3,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $390,000 | 1,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $404,800 | 3,673 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,445,000 | 5,523 |
| Total interest expense | $1,594,000 | 5,086 |
| Net interest income | $2,851,000 | 5,659 |
| Provision for loan and lease losses | $36,000 | 6,047 |
| Total noninterest income | $198,000 | 7,084 |
| Gross Fiduciary activities income | $3,000 | 1,412 |
| Service charges on deposit accounts | $154,000 | 5,574 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,000 | 7,593 |
| Total noninterest expense | $1,294,000 | 7,240 |
| Salaries and employee benefits | $854,000 | 6,772 |
| Premises and equipment expense | $138,000 | 7,418 |
| Additional noninterest expense | $302,000 | 7,640 |
| Pre-tax net operating income | $1,719,000 | 4,063 |
| Securities gains (losses) | $-18,000 | 7,776 |
| Applicable income taxes | $94,000 | 5,424 |
| Income before extraordinary items | $1,607,000 | 3,621 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,607,000 | 3,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,288 |
| Cash dividends | $855,000 | 2,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,623,920 | 3,575 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,244,000 | 5,575 |
| Total interest expense | $1,124,000 | 5,117 |
| Net interest income | $2,120,000 | 5,706 |
| Provision for loan and lease losses | $27,000 | 5,913 |
| Total noninterest income | $162,000 | 6,960 |
| Gross Fiduciary activities income | $3,000 | 1,346 |
| Service charges on deposit accounts | $116,000 | 5,590 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $43,000 | 7,245 |
| Total noninterest expense | $952,000 | 7,263 |
| Salaries and employee benefits | $638,000 | 6,763 |
| Premises and equipment expense | $104,000 | 7,419 |
| Additional noninterest expense | $210,000 | 7,763 |
| Pre-tax net operating income | $1,303,000 | 4,108 |
| Securities gains (losses) | $-19,000 | 8,149 |
| Applicable income taxes | $64,000 | 5,619 |
| Income before extraordinary items | $1,220,000 | 3,619 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,220,000 | 3,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $835,000 | 2,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,238,050 | 3,557 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,099,000 | 5,599 |
| Total interest expense | $697,000 | 5,168 |
| Net interest income | $1,402,000 | 5,711 |
| Provision for loan and lease losses | $18,000 | 5,733 |
| Total noninterest income | $106,000 | 6,966 |
| Gross Fiduciary activities income | $3,000 | 1,310 |
| Service charges on deposit accounts | $74,000 | 5,641 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $29,000 | 7,234 |
| Total noninterest expense | $630,000 | 7,289 |
| Salaries and employee benefits | $426,000 | 6,775 |
| Premises and equipment expense | $64,000 | 7,531 |
| Additional noninterest expense | $140,000 | 7,748 |
| Pre-tax net operating income | $860,000 | 4,110 |
| Securities gains (losses) | $-19,000 | 8,349 |
| Applicable income taxes | $42,000 | 5,656 |
| Income before extraordinary items | $799,000 | 3,639 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $799,000 | 3,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $817,050 | 3,546 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $998,000 | 5,739 |
| Total interest expense | $329,000 | 5,231 |
| Net interest income | $669,000 | 5,876 |
| Provision for loan and lease losses | $9,000 | 5,480 |
| Total noninterest income | $54,000 | 6,948 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $38,000 | 5,561 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,179 |
| Total noninterest expense | $289,000 | 7,536 |
| Salaries and employee benefits | $200,000 | 6,975 |
| Premises and equipment expense | $33,000 | 7,563 |
| Additional noninterest expense | $56,000 | 8,141 |
| Pre-tax net operating income | $425,000 | 4,107 |
| Securities gains (losses) | $-16,000 | 8,628 |
| Applicable income taxes | $21,000 | 5,628 |
| Income before extraordinary items | $388,000 | 3,692 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $388,000 | 3,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $400,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $403,200 | 3,565 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,845,000 | 5,677 |
| Total interest expense | $1,109,000 | 5,361 |
| Net interest income | $2,736,000 | 5,714 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $213,000 | 7,042 |
| Gross Fiduciary activities income | $3,000 | 1,452 |
| Service charges on deposit accounts | $146,000 | 5,834 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $64,000 | 7,105 |
| Total noninterest expense | $1,203,000 | 7,440 |
| Salaries and employee benefits | $810,000 | 6,892 |
| Premises and equipment expense | $127,000 | 7,619 |
| Additional noninterest expense | $266,000 | 7,890 |
| Pre-tax net operating income | $1,686,000 | 3,947 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $84,000 | 5,682 |
| Income before extraordinary items | $1,604,000 | 3,460 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,604,000 | 3,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-82,000 | 8,758 |
| Cash dividends | $1,000,000 | 2,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,602,100 | 3,400 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,821,000 | 5,741 |
| Total interest expense | $814,000 | 5,403 |
| Net interest income | $2,007,000 | 5,783 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $167,000 | 7,009 |
| Gross Fiduciary activities income | $3,000 | 1,390 |
| Service charges on deposit accounts | $111,000 | 5,858 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $53,000 | 6,981 |
| Total noninterest expense | $923,000 | 7,349 |
| Salaries and employee benefits | $625,000 | 6,800 |
| Premises and equipment expense | $95,000 | 7,622 |
| Additional noninterest expense | $203,000 | 7,882 |
| Pre-tax net operating income | $1,206,000 | 4,143 |
| Securities gains (losses) | $7,000 | 2,893 |
| Applicable income taxes | $61,000 | 5,814 |
| Income before extraordinary items | $1,152,000 | 3,642 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,152,000 | 3,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-76,000 | 8,753 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,145,350 | 3,599 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,856,000 | 5,798 |
| Total interest expense | $540,000 | 5,427 |
| Net interest income | $1,316,000 | 5,836 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $117,000 | 6,950 |
| Gross Fiduciary activities income | $3,000 | 1,346 |
| Service charges on deposit accounts | $69,000 | 5,999 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $45,000 | 6,633 |
| Total noninterest expense | $600,000 | 7,460 |
| Salaries and employee benefits | $404,000 | 6,920 |
| Premises and equipment expense | $60,000 | 7,741 |
| Additional noninterest expense | $136,000 | 7,898 |
| Pre-tax net operating income | $803,000 | 4,101 |
| Securities gains (losses) | $5,000 | 2,738 |
| Applicable income taxes | $40,000 | 5,827 |
| Income before extraordinary items | $768,000 | 3,628 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $768,000 | 3,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-83,000 | 8,852 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $763,250 | 3,548 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $898,000 | 5,928 |
| Total interest expense | $273,000 | 5,460 |
| Net interest income | $625,000 | 6,012 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $58,000 | 6,943 |
| Gross Fiduciary activities income | $3,000 | 1,247 |
| Service charges on deposit accounts | $31,000 | 6,143 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $24,000 | 6,514 |
| Total noninterest expense | $303,000 | 7,480 |
| Salaries and employee benefits | $204,000 | 6,923 |
| Premises and equipment expense | $30,000 | 7,774 |
| Additional noninterest expense | $69,000 | 7,915 |
| Pre-tax net operating income | $365,000 | 4,316 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $18,000 | 5,857 |
| Income before extraordinary items | $348,000 | 3,863 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $348,000 | 3,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $347,050 | 3,750 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,618,000 | 5,947 |
| Total interest expense | $1,161,000 | 5,672 |
| Net interest income | $2,457,000 | 5,958 |
| Provision for loan and lease losses | $80,000 | 5,625 |
| Total noninterest income | $283,000 | 6,705 |
| Gross Fiduciary activities income | $8,000 | 1,392 |
| Service charges on deposit accounts | $115,000 | 6,334 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $160,000 | 5,715 |
| Total noninterest expense | $1,200,000 | 7,472 |
| Salaries and employee benefits | $798,000 | 6,922 |
| Premises and equipment expense | $142,000 | 7,510 |
| Additional noninterest expense | $260,000 | 8,033 |
| Pre-tax net operating income | $1,460,000 | 4,190 |
| Securities gains (losses) | $26,000 | 3,046 |
| Applicable income taxes | $78,000 | 5,957 |
| Income before extraordinary items | $1,408,000 | 3,717 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,408,000 | 3,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $900,000 | 2,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,383,300 | 3,608 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,714,000 | 6,008 |
| Total interest expense | $880,000 | 5,789 |
| Net interest income | $1,834,000 | 6,005 |
| Provision for loan and lease losses | $65,000 | 5,417 |
| Total noninterest income | $227,000 | 6,619 |
| Gross Fiduciary activities income | $7,000 | 1,337 |
| Service charges on deposit accounts | $84,000 | 6,425 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $136,000 | 5,527 |
| Total noninterest expense | $920,000 | 7,407 |
| Salaries and employee benefits | $609,000 | 6,877 |
| Premises and equipment expense | $109,000 | 7,481 |
| Additional noninterest expense | $202,000 | 7,975 |
| Pre-tax net operating income | $1,076,000 | 4,365 |
| Securities gains (losses) | $26,000 | 2,803 |
| Applicable income taxes | $55,000 | 6,135 |
| Income before extraordinary items | $1,047,000 | 3,873 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,047,000 | 3,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,022,300 | 3,774 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,819,000 | 6,035 |
| Total interest expense | $595,000 | 5,869 |
| Net interest income | $1,224,000 | 6,005 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $156,000 | 6,551 |
| Gross Fiduciary activities income | $7,000 | 1,277 |
| Service charges on deposit accounts | $54,000 | 6,457 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $95,000 | 5,412 |
| Total noninterest expense | $606,000 | 7,462 |
| Salaries and employee benefits | $403,000 | 6,916 |
| Premises and equipment expense | $73,000 | 7,478 |
| Additional noninterest expense | $130,000 | 8,038 |
| Pre-tax net operating income | $724,000 | 4,340 |
| Securities gains (losses) | $26,000 | 2,455 |
| Applicable income taxes | $37,000 | 6,172 |
| Income before extraordinary items | $713,000 | 3,808 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $713,000 | 3,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $688,300 | 3,728 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $916,000 | 6,047 |
| Total interest expense | $300,000 | 5,934 |
| Net interest income | $616,000 | 5,982 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $73,000 | 6,636 |
| Gross Fiduciary activities income | $3,000 | 1,293 |
| Service charges on deposit accounts | $24,000 | 6,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $46,000 | 5,422 |
| Total noninterest expense | $314,000 | 7,405 |
| Salaries and employee benefits | $204,000 | 6,922 |
| Premises and equipment expense | $35,000 | 7,597 |
| Additional noninterest expense | $75,000 | 7,806 |
| Pre-tax net operating income | $345,000 | 4,427 |
| Securities gains (losses) | $26,000 | 1,771 |
| Applicable income taxes | $19,000 | 6,113 |
| Income before extraordinary items | $352,000 | 3,779 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $352,000 | 3,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $327,300 | 3,815 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,708,000 | 6,147 |
| Total interest expense | $1,325,000 | 6,111 |
| Net interest income | $2,383,000 | 6,069 |
| Provision for loan and lease losses | $110,000 | 5,550 |
| Total noninterest income | $206,000 | 7,246 |
| Gross Fiduciary activities income | $10,000 | 1,406 |
| Service charges on deposit accounts | $103,000 | 6,527 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $93,000 | 6,581 |
| Total noninterest expense | $1,285,000 | 7,284 |
| Salaries and employee benefits | $829,000 | 6,779 |
| Premises and equipment expense | $170,000 | 7,168 |
| Additional noninterest expense | $286,000 | 7,903 |
| Pre-tax net operating income | $1,194,000 | 4,729 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $42,000 | 6,656 |
| Income before extraordinary items | $1,152,000 | 4,195 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,152,000 | 4,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $1,800,000 | 1,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,152,000 | 4,100 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,253,000 | 6,147 |
| Total interest expense | $1,998,000 | 6,104 |
| Net interest income | $2,255,000 | 6,043 |
| Provision for loan and lease losses | $132,000 | 5,025 |
| Total noninterest income | $208,000 | 7,230 |
| Gross Fiduciary activities income | $8,000 | 1,472 |
| Service charges on deposit accounts | $98,000 | 6,612 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $102,000 | 6,397 |
| Total noninterest expense | $1,274,000 | 7,279 |
| Salaries and employee benefits | $831,000 | 6,651 |
| Premises and equipment expense | $163,000 | 7,315 |
| Additional noninterest expense | $280,000 | 8,003 |
| Pre-tax net operating income | $1,057,000 | 4,765 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $512,000 | 3,290 |
| Income before extraordinary items | $545,000 | 5,866 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $545,000 | 5,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,409 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $545,000 | 5,750 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,501,000 | 6,091 |
| Total interest expense | $2,407,000 | 5,700 |
| Net interest income | $2,094,000 | 6,436 |
| Provision for loan and lease losses | $127,000 | 4,736 |
| Total noninterest income | $146,000 | 7,952 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 6,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 7,695 |
| Total noninterest expense | $1,065,000 | 7,828 |
| Salaries and employee benefits | $701,000 | 7,202 |
| Premises and equipment expense | $112,000 | 8,239 |
| Additional noninterest expense | $252,000 | 8,321 |
| Pre-tax net operating income | $1,048,000 | 5,140 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $342,000 | 4,313 |
| Income before extraordinary items | $705,000 | 5,404 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $705,000 | 5,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,338 |
| Cash dividends | $325,000 | 4,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $705,670 | 5,407 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,084,000 | 6,295 |
| Total interest expense | $1,913,000 | 6,157 |
| Net interest income | $2,171,000 | 6,336 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $128,000 | 8,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 6,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 8,834 |
| Total noninterest expense | $944,000 | 8,284 |
| Salaries and employee benefits | $608,000 | 7,719 |
| Premises and equipment expense | $102,000 | 8,588 |
| Additional noninterest expense | $234,000 | 8,709 |
| Pre-tax net operating income | $1,235,000 | 4,682 |
| Securities gains (losses) | $-19,000 | 9,530 |
| Applicable income taxes | $393,000 | 4,220 |
| Income before extraordinary items | $823,000 | 5,015 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $823,000 | 5,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,408 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $835,920 | 4,923 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,592,000 | 6,848 |
| Total interest expense | $1,735,000 | 6,687 |
| Net interest income | $1,857,000 | 6,930 |
| Provision for loan and lease losses | $170,000 | 3,903 |
| Total noninterest income | $128,000 | 8,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 6,938 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,918 |
| Total noninterest expense | $838,000 | 8,642 |
| Salaries and employee benefits | $541,000 | 8,108 |
| Premises and equipment expense | $112,000 | 8,436 |
| Additional noninterest expense | $185,000 | 9,288 |
| Pre-tax net operating income | $977,000 | 5,486 |
| Securities gains (losses) | $-4,000 | 10,023 |
| Applicable income taxes | $321,000 | 4,993 |
| Income before extraordinary items | $652,000 | 5,807 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $652,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,584 |
| Cash dividends | $15,000 | 7,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $654,680 | 5,691 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,933,000 | 7,846 |
| Total interest expense | $1,449,000 | 7,471 |
| Net interest income | $1,484,000 | 8,019 |
| Provision for loan and lease losses | $38,000 | 7,082 |
| Total noninterest income | $137,000 | 8,783 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 7,090 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 9,236 |
| Total noninterest expense | $774,000 | 9,130 |
| Salaries and employee benefits | $461,000 | 8,879 |
| Premises and equipment expense | $117,000 | 8,566 |
| Additional noninterest expense | $196,000 | 9,455 |
| Pre-tax net operating income | $809,000 | 6,509 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $255,000 | 6,207 |
| Income before extraordinary items | $552,000 | 6,656 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $552,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,011 |
| Cash dividends | $12,000 | 7,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $553,360 | 6,598 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,683,000 | 8,453 |
| Total interest expense | $1,318,000 | 8,054 |
| Net interest income | $1,365,000 | 8,598 |
| Provision for loan and lease losses | $34,000 | 7,277 |
| Total noninterest income | $117,000 | 9,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 7,697 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,065 |
| Total noninterest expense | $667,000 | 9,920 |
| Salaries and employee benefits | $436,000 | 9,351 |
| Premises and equipment expense | $70,000 | 10,079 |
| Additional noninterest expense | $161,000 | 10,425 |
| Pre-tax net operating income | $781,000 | 6,579 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $290,000 | 5,940 |
| Income before extraordinary items | $487,000 | 6,992 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $487,000 | 6,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $214,000 | 5,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $489,560 | 6,909 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,399,000 | 9,121 |
| Total interest expense | $1,158,000 | 8,724 |
| Net interest income | $1,241,000 | 9,222 |
| Provision for loan and lease losses | $14,000 | 8,034 |
| Total noninterest income | $115,000 | 9,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 8,206 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,206 |
| Total noninterest expense | $653,000 | 10,351 |
| Salaries and employee benefits | $389,000 | 10,026 |
| Premises and equipment expense | $76,000 | 10,320 |
| Additional noninterest expense | $188,000 | 10,575 |
| Pre-tax net operating income | $689,000 | 7,382 |
| Securities gains (losses) | $-10,000 | 10,097 |
| Applicable income taxes | $256,000 | 6,556 |
| Income before extraordinary items | $423,000 | 7,860 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $423,000 | 7,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,709 |
| Cash dividends | $260,000 | 4,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $429,400 | 7,781 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,985,000 | 9,829 |
| Total interest expense | $882,000 | 9,213 |
| Net interest income | $1,103,000 | 10,054 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $109,000 | 10,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 8,860 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,473 |
| Total noninterest expense | $718,000 | 10,624 |
| Salaries and employee benefits | $386,000 | 10,410 |
| Premises and equipment expense | $80,000 | 10,655 |
| Additional noninterest expense | $252,000 | 10,498 |
| Pre-tax net operating income | $494,000 | 8,695 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $179,000 | 7,729 |
| Income before extraordinary items | $311,000 | 9,026 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $311,000 | 9,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,614 |
| Cash dividends | $170,000 | 5,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $313,560 | 9,071 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,906,000 | 10,371 |
| Total interest expense | $833,000 | 9,874 |
| Net interest income | $1,073,000 | 10,514 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $99,000 | 11,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 9,313 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 11,437 |
| Total noninterest expense | $680,000 | 11,261 |
| Salaries and employee benefits | $390,000 | 10,741 |
| Premises and equipment expense | $71,000 | 11,459 |
| Additional noninterest expense | $219,000 | 11,480 |
| Pre-tax net operating income | $492,000 | 8,711 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $180,000 | 8,011 |
| Income before extraordinary items | $312,000 | 9,341 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $312,000 | 9,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $210,000 | 5,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $312,000 | 9,078 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,033,000 | 10,839 |
| Total interest expense | $979,000 | 10,491 |
| Net interest income | $1,054,000 | 10,879 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $92,000 | 11,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,841 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,767 |
| Total noninterest expense | $644,000 | 11,807 |
| Salaries and employee benefits | $347,000 | 11,473 |
| Premises and equipment expense | $59,000 | 12,326 |
| Additional noninterest expense | $238,000 | 11,701 |
| Pre-tax net operating income | $502,000 | 8,399 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $178,000 | 8,017 |
| Income before extraordinary items | $324,000 | 9,003 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $324,000 | 9,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 12,871 |
| Cash dividends | $274,000 | 4,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $324,000 | 8,643 |
* 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.