Home > CITIZENS STATE BANK > Income and Expense
CITIZENS STATE BANK, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,585,000 | 6,361 |
| Total interest expense | $658,000 | 5,714 |
| Net interest income | $927,000 | 6,557 |
| Provision for loan and lease losses | $2,000,000 | 1,389 |
| Total noninterest income | $180,000 | 5,395 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $101,000 | 4,644 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $79,000 | 5,184 |
| Total noninterest expense | $1,182,000 | 5,898 |
| Salaries and employee benefits | $586,000 | 5,987 |
| Premises and equipment expense | $218,000 | 4,845 |
| Additional noninterest expense | $378,000 | 5,977 |
| Pre-tax net operating income | $-2,075,000 | 7,401 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-778,000 | 7,693 |
| Income before extraordinary items | $-1,297,000 | 7,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,297,000 | 7,271 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,297,000 | 7,270 |
| Net charge-offs | $1,322,000 | 1,428 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,297,000 | 7,265 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $701,000 | 6,654 |
| Total interest expense | $335,000 | 5,781 |
| Net interest income | $366,000 | 7,040 |
| Provision for loan and lease losses | $1,100,000 | 1,115 |
| Total noninterest income | $91,000 | 5,372 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $47,000 | 4,728 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $44,000 | 5,048 |
| Total noninterest expense | $642,000 | 5,621 |
| Salaries and employee benefits | $316,000 | 5,851 |
| Premises and equipment expense | $102,000 | 5,065 |
| Additional noninterest expense | $224,000 | 5,279 |
| Pre-tax net operating income | $-1,285,000 | 7,709 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-482,000 | 7,887 |
| Income before extraordinary items | $-803,000 | 7,629 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-803,000 | 7,630 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-803,000 | 7,630 |
| Net charge-offs | $327,000 | 1,697 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-803,000 | 7,626 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,144,000 | 5,926 |
| Total interest expense | $1,824,000 | 5,536 |
| Net interest income | $2,320,000 | 6,077 |
| Provision for loan and lease losses | $210,000 | 5,144 |
| Total noninterest income | $748,000 | 3,995 |
| Gross Fiduciary activities income | $9,000 | 1,231 |
| Service charges on deposit accounts | $463,000 | 3,180 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $276,000 | 4,255 |
| Total noninterest expense | $2,225,000 | 5,950 |
| Salaries and employee benefits | $1,195,000 | 6,005 |
| Premises and equipment expense | $384,000 | 5,199 |
| Additional noninterest expense | $646,000 | 6,040 |
| Pre-tax net operating income | $633,000 | 4,546 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $228,000 | 2,688 |
| Income before extraordinary items | $405,000 | 4,741 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $405,000 | 4,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 3,541 |
| Cash dividends | $210,000 | 4,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $405,000 | 4,907 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,251,000 | 5,900 |
| Total interest expense | $1,445,000 | 5,526 |
| Net interest income | $1,806,000 | 6,037 |
| Provision for loan and lease losses | $110,000 | 5,045 |
| Total noninterest income | $619,000 | 3,900 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $388,000 | 2,960 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $231,000 | 4,164 |
| Total noninterest expense | $1,666,000 | 5,945 |
| Salaries and employee benefits | $913,000 | 5,943 |
| Premises and equipment expense | $303,000 | 5,087 |
| Additional noninterest expense | $450,000 | 6,180 |
| Pre-tax net operating income | $649,000 | 4,507 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $239,000 | 2,721 |
| Income before extraordinary items | $410,000 | 4,757 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $410,000 | 4,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,942 |
| Cash dividends | $160,000 | 4,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $410,000 | 4,919 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,223,000 | 5,900 |
| Total interest expense | $1,031,000 | 5,502 |
| Net interest income | $1,192,000 | 6,080 |
| Provision for loan and lease losses | $34,000 | 5,522 |
| Total noninterest income | $425,000 | 3,891 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $294,000 | 2,678 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $131,000 | 4,538 |
| Total noninterest expense | $1,101,000 | 6,011 |
| Salaries and employee benefits | $607,000 | 6,014 |
| Premises and equipment expense | $195,000 | 5,224 |
| Additional noninterest expense | $299,000 | 6,193 |
| Pre-tax net operating income | $482,000 | 4,430 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $178,000 | 2,817 |
| Income before extraordinary items | $304,000 | 4,971 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $304,000 | 4,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,468 |
| Cash dividends | $110,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $304,000 | 4,913 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,153,000 | 5,906 |
| Total interest expense | $553,000 | 5,510 |
| Net interest income | $600,000 | 6,104 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $198,000 | 4,023 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $146,000 | 2,687 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $52,000 | 4,970 |
| Total noninterest expense | $532,000 | 6,142 |
| Salaries and employee benefits | $297,000 | 6,113 |
| Premises and equipment expense | $99,000 | 5,177 |
| Additional noninterest expense | $136,000 | 6,426 |
| Pre-tax net operating income | $266,000 | 4,415 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $99,000 | 2,817 |
| Income before extraordinary items | $167,000 | 5,039 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $167,000 | 5,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,496 |
| Cash dividends | $60,000 | 3,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $167,000 | 4,924 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,842,000 | 5,799 |
| Total interest expense | $2,406,000 | 5,368 |
| Net interest income | $2,436,000 | 6,042 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $653,000 | 4,450 |
| Gross Fiduciary activities income | $9,000 | 1,270 |
| Service charges on deposit accounts | $462,000 | 3,226 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $182,000 | 5,251 |
| Total noninterest expense | $2,130,000 | 6,052 |
| Salaries and employee benefits | $1,153,000 | 6,087 |
| Premises and equipment expense | $426,000 | 4,837 |
| Additional noninterest expense | $551,000 | 6,355 |
| Pre-tax net operating income | $959,000 | 4,819 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $353,000 | 3,177 |
| Income before extraordinary items | $606,000 | 5,326 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $606,000 | 5,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,925 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $606,000 | 5,314 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,578,000 | 5,866 |
| Total interest expense | $1,778,000 | 5,420 |
| Net interest income | $1,800,000 | 6,119 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $458,000 | 4,612 |
| Gross Fiduciary activities income | $9,000 | 1,194 |
| Service charges on deposit accounts | $326,000 | 3,359 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $123,000 | 5,430 |
| Total noninterest expense | $1,562,000 | 6,098 |
| Salaries and employee benefits | $848,000 | 6,133 |
| Premises and equipment expense | $305,000 | 4,967 |
| Additional noninterest expense | $409,000 | 6,335 |
| Pre-tax net operating income | $696,000 | 5,124 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $256,000 | 3,401 |
| Income before extraordinary items | $440,000 | 5,628 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $440,000 | 5,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,597 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $440,000 | 5,616 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,326,000 | 5,952 |
| Total interest expense | $1,154,000 | 5,492 |
| Net interest income | $1,172,000 | 6,211 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $245,000 | 5,112 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $198,000 | 3,540 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $47,000 | 6,371 |
| Total noninterest expense | $1,027,000 | 6,178 |
| Salaries and employee benefits | $554,000 | 6,246 |
| Premises and equipment expense | $204,000 | 4,975 |
| Additional noninterest expense | $269,000 | 6,404 |
| Pre-tax net operating income | $390,000 | 5,564 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $143,000 | 3,707 |
| Income before extraordinary items | $247,000 | 6,041 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $247,000 | 6,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $247,000 | 6,023 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,106,000 | 6,085 |
| Total interest expense | $553,000 | 5,602 |
| Net interest income | $553,000 | 6,386 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $95,000 | 5,648 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $96,000 | 3,535 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $-1,000 | 8,578 |
| Total noninterest expense | $498,000 | 6,300 |
| Salaries and employee benefits | $265,000 | 6,405 |
| Premises and equipment expense | $100,000 | 5,048 |
| Additional noninterest expense | $133,000 | 6,437 |
| Pre-tax net operating income | $150,000 | 6,068 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $52,000 | 4,082 |
| Income before extraordinary items | $98,000 | 6,436 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $98,000 | 6,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $98,000 | 6,419 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,019,000 | 6,107 |
| Total interest expense | $1,863,000 | 5,600 |
| Net interest income | $2,156,000 | 6,386 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $568,000 | 4,858 |
| Gross Fiduciary activities income | $9,000 | 1,289 |
| Service charges on deposit accounts | $337,000 | 3,895 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $222,000 | 4,914 |
| Total noninterest expense | $1,842,000 | 6,375 |
| Salaries and employee benefits | $999,000 | 6,403 |
| Premises and equipment expense | $306,000 | 5,701 |
| Additional noninterest expense | $537,000 | 6,371 |
| Pre-tax net operating income | $882,000 | 5,450 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $327,000 | 3,688 |
| Income before extraordinary items | $555,000 | 5,970 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $555,000 | 5,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,733 |
| Cash dividends | $230,000 | 4,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $555,000 | 5,968 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,933,000 | 6,195 |
| Total interest expense | $1,328,000 | 5,655 |
| Net interest income | $1,605,000 | 6,471 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $421,000 | 4,897 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $248,000 | 3,961 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $173,000 | 4,845 |
| Total noninterest expense | $1,343,000 | 6,461 |
| Salaries and employee benefits | $728,000 | 6,477 |
| Premises and equipment expense | $212,000 | 5,907 |
| Additional noninterest expense | $403,000 | 6,382 |
| Pre-tax net operating income | $683,000 | 5,587 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $253,000 | 3,818 |
| Income before extraordinary items | $430,000 | 6,090 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $430,000 | 6,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,744 |
| Cash dividends | $230,000 | 3,998 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $430,000 | 6,086 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,884,000 | 6,268 |
| Total interest expense | $826,000 | 5,721 |
| Net interest income | $1,058,000 | 6,531 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $280,000 | 4,896 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $152,000 | 4,114 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $128,000 | 4,615 |
| Total noninterest expense | $847,000 | 6,631 |
| Salaries and employee benefits | $467,000 | 6,601 |
| Premises and equipment expense | $133,000 | 6,083 |
| Additional noninterest expense | $247,000 | 6,596 |
| Pre-tax net operating income | $491,000 | 5,444 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $180,000 | 3,760 |
| Income before extraordinary items | $311,000 | 5,932 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $311,000 | 5,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,668 |
| Cash dividends | $230,000 | 3,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $311,000 | 5,938 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $902,000 | 6,347 |
| Total interest expense | $389,000 | 5,775 |
| Net interest income | $513,000 | 6,620 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $143,000 | 4,794 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $78,000 | 3,989 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $65,000 | 4,564 |
| Total noninterest expense | $423,000 | 6,630 |
| Salaries and employee benefits | $234,000 | 6,613 |
| Premises and equipment expense | $65,000 | 6,170 |
| Additional noninterest expense | $124,000 | 6,561 |
| Pre-tax net operating income | $233,000 | 5,514 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $87,000 | 3,781 |
| Income before extraordinary items | $146,000 | 6,024 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $146,000 | 6,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,300 |
| Cash dividends | $130,000 | 2,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $146,000 | 6,023 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,533,000 | 6,158 |
| Total interest expense | $1,357,000 | 5,498 |
| Net interest income | $2,176,000 | 6,407 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $472,000 | 5,376 |
| Gross Fiduciary activities income | $9,000 | 1,311 |
| Service charges on deposit accounts | $281,000 | 4,340 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $182,000 | 5,351 |
| Total noninterest expense | $1,643,000 | 6,651 |
| Salaries and employee benefits | $906,000 | 6,627 |
| Premises and equipment expense | $276,000 | 5,954 |
| Additional noninterest expense | $461,000 | 6,785 |
| Pre-tax net operating income | $1,005,000 | 5,348 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $368,000 | 3,831 |
| Income before extraordinary items | $637,000 | 5,866 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $637,000 | 5,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,723 |
| Cash dividends | $275,000 | 4,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $637,000 | 5,840 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,626,000 | 6,173 |
| Total interest expense | $989,000 | 5,466 |
| Net interest income | $1,637,000 | 6,433 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $333,000 | 5,536 |
| Gross Fiduciary activities income | $9,000 | 1,231 |
| Service charges on deposit accounts | $198,000 | 4,476 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $126,000 | 5,517 |
| Total noninterest expense | $1,221,000 | 6,687 |
| Salaries and employee benefits | $677,000 | 6,630 |
| Premises and equipment expense | $211,000 | 5,916 |
| Additional noninterest expense | $333,000 | 6,857 |
| Pre-tax net operating income | $749,000 | 5,506 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $274,000 | 3,946 |
| Income before extraordinary items | $475,000 | 6,019 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $475,000 | 6,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,879 |
| Cash dividends | $175,000 | 4,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $475,000 | 5,984 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,718,000 | 6,176 |
| Total interest expense | $616,000 | 5,500 |
| Net interest income | $1,102,000 | 6,414 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $215,000 | 5,574 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $123,000 | 4,605 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $91,000 | 5,365 |
| Total noninterest expense | $801,000 | 6,727 |
| Salaries and employee benefits | $445,000 | 6,667 |
| Premises and equipment expense | $143,000 | 5,844 |
| Additional noninterest expense | $213,000 | 6,953 |
| Pre-tax net operating income | $516,000 | 5,412 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $188,000 | 3,886 |
| Income before extraordinary items | $328,000 | 5,929 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $328,000 | 5,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $100,000 | 4,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $328,000 | 5,879 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $836,000 | 6,257 |
| Total interest expense | $293,000 | 5,544 |
| Net interest income | $543,000 | 6,489 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $114,000 | 5,400 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $62,000 | 4,532 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,145 |
| Total noninterest expense | $405,000 | 6,739 |
| Salaries and employee benefits | $218,000 | 6,774 |
| Premises and equipment expense | $78,000 | 5,638 |
| Additional noninterest expense | $109,000 | 6,925 |
| Pre-tax net operating income | $252,000 | 5,435 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $92,000 | 3,902 |
| Income before extraordinary items | $160,000 | 5,964 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $160,000 | 5,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $100,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $160,000 | 5,923 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,210,000 | 6,234 |
| Total interest expense | $1,146,000 | 5,245 |
| Net interest income | $2,064,000 | 6,538 |
| Provision for loan and lease losses | $30,000 | 6,416 |
| Total noninterest income | $492,000 | 5,313 |
| Gross Fiduciary activities income | $9,000 | 1,335 |
| Service charges on deposit accounts | $266,000 | 4,596 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $217,000 | 4,934 |
| Total noninterest expense | $1,782,000 | 6,395 |
| Salaries and employee benefits | $949,000 | 6,446 |
| Premises and equipment expense | $295,000 | 5,717 |
| Additional noninterest expense | $538,000 | 6,334 |
| Pre-tax net operating income | $744,000 | 5,963 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $267,000 | 4,368 |
| Income before extraordinary items | $477,000 | 6,446 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $477,000 | 6,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,779 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $477,000 | 6,380 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 6,361 |
| Total interest expense | $859,000 | 5,220 |
| Net interest income | $1,444,000 | 6,732 |
| Provision for loan and lease losses | $30,000 | 5,981 |
| Total noninterest income | $380,000 | 5,267 |
| Gross Fiduciary activities income | $9,000 | 1,258 |
| Service charges on deposit accounts | $207,000 | 4,550 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $164,000 | 4,928 |
| Total noninterest expense | $1,341,000 | 6,347 |
| Salaries and employee benefits | $713,000 | 6,407 |
| Premises and equipment expense | $219,000 | 5,719 |
| Additional noninterest expense | $409,000 | 6,244 |
| Pre-tax net operating income | $453,000 | 6,533 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $161,000 | 4,744 |
| Income before extraordinary items | $292,000 | 6,946 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $292,000 | 6,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,894 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $292,000 | 6,879 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,487,000 | 6,491 |
| Total interest expense | $569,000 | 5,268 |
| Net interest income | $918,000 | 6,899 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $267,000 | 5,103 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $139,000 | 4,512 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $128,000 | 4,639 |
| Total noninterest expense | $887,000 | 6,404 |
| Salaries and employee benefits | $480,000 | 6,432 |
| Premises and equipment expense | $144,000 | 5,789 |
| Additional noninterest expense | $263,000 | 6,373 |
| Pre-tax net operating income | $298,000 | 6,513 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $105,000 | 4,774 |
| Income before extraordinary items | $193,000 | 6,968 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $193,000 | 6,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,147 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $193,000 | 6,891 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $729,000 | 6,580 |
| Total interest expense | $286,000 | 5,312 |
| Net interest income | $443,000 | 7,018 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $130,000 | 5,127 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $73,000 | 4,329 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $57,000 | 4,851 |
| Total noninterest expense | $450,000 | 6,407 |
| Salaries and employee benefits | $242,000 | 6,445 |
| Premises and equipment expense | $74,000 | 5,726 |
| Additional noninterest expense | $134,000 | 6,328 |
| Pre-tax net operating income | $123,000 | 6,818 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $44,000 | 5,008 |
| Income before extraordinary items | $79,000 | 7,246 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $79,000 | 7,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,952 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $79,000 | 7,166 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,023,000 | 6,491 |
| Total interest expense | $1,242,000 | 5,461 |
| Net interest income | $1,781,000 | 6,930 |
| Provision for loan and lease losses | $171,000 | 4,356 |
| Total noninterest income | $525,000 | 5,309 |
| Gross Fiduciary activities income | $10,000 | 1,355 |
| Service charges on deposit accounts | $319,000 | 4,157 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $196,000 | 5,328 |
| Total noninterest expense | $1,662,000 | 6,592 |
| Salaries and employee benefits | $908,000 | 6,565 |
| Premises and equipment expense | $237,000 | 6,334 |
| Additional noninterest expense | $517,000 | 6,451 |
| Pre-tax net operating income | $473,000 | 6,765 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $157,000 | 5,221 |
| Income before extraordinary items | $316,000 | 7,201 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $316,000 | 7,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,281 |
| Cash dividends | $275,000 | 4,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $316,000 | 7,053 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,285,000 | 6,546 |
| Total interest expense | $955,000 | 5,520 |
| Net interest income | $1,330,000 | 6,991 |
| Provision for loan and lease losses | $74,000 | 5,257 |
| Total noninterest income | $415,000 | 5,214 |
| Gross Fiduciary activities income | $9,000 | 1,296 |
| Service charges on deposit accounts | $243,000 | 4,151 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $163,000 | 5,177 |
| Total noninterest expense | $1,233,000 | 6,611 |
| Salaries and employee benefits | $677,000 | 6,568 |
| Premises and equipment expense | $174,000 | 6,404 |
| Additional noninterest expense | $382,000 | 6,466 |
| Pre-tax net operating income | $438,000 | 6,555 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $147,000 | 5,126 |
| Income before extraordinary items | $291,000 | 6,994 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $291,000 | 6,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,399 |
| Cash dividends | $150,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $291,000 | 6,827 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,529,000 | 6,584 |
| Total interest expense | $654,000 | 5,550 |
| Net interest income | $875,000 | 7,040 |
| Provision for loan and lease losses | $34,000 | 5,657 |
| Total noninterest income | $256,000 | 5,404 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $145,000 | 4,376 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $111,000 | 5,141 |
| Total noninterest expense | $814,000 | 6,663 |
| Salaries and employee benefits | $447,000 | 6,626 |
| Premises and equipment expense | $114,000 | 6,421 |
| Additional noninterest expense | $253,000 | 6,495 |
| Pre-tax net operating income | $283,000 | 6,609 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $89,000 | 5,272 |
| Income before extraordinary items | $194,000 | 7,024 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $194,000 | 7,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $194,000 | 6,834 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $733,000 | 6,764 |
| Total interest expense | $325,000 | 5,693 |
| Net interest income | $408,000 | 7,236 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $125,000 | 5,350 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $72,000 | 4,314 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $53,000 | 5,163 |
| Total noninterest expense | $403,000 | 6,688 |
| Salaries and employee benefits | $228,000 | 6,579 |
| Premises and equipment expense | $54,000 | 6,574 |
| Additional noninterest expense | $121,000 | 6,630 |
| Pre-tax net operating income | $130,000 | 6,755 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $45,000 | 5,243 |
| Income before extraordinary items | $85,000 | 7,175 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $85,000 | 7,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $85,000 | 7,022 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,895,000 | 6,964 |
| Total interest expense | $1,401,000 | 5,929 |
| Net interest income | $1,494,000 | 7,448 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $531,000 | 5,049 |
| Gross Fiduciary activities income | $11,000 | 1,391 |
| Service charges on deposit accounts | $288,000 | 4,316 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $232,000 | 4,737 |
| Total noninterest expense | $1,534,000 | 6,772 |
| Salaries and employee benefits | $862,000 | 6,651 |
| Premises and equipment expense | $262,000 | 5,976 |
| Additional noninterest expense | $410,000 | 7,083 |
| Pre-tax net operating income | $491,000 | 6,792 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $161,000 | 5,426 |
| Income before extraordinary items | $330,000 | 7,176 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $330,000 | 7,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,721 |
| Cash dividends | $250,000 | 4,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $330,000 | 7,069 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,821,000 | 7,424 |
| Total interest expense | $1,667,000 | 6,654 |
| Net interest income | $1,154,000 | 7,978 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $588,000 | 4,633 |
| Gross Fiduciary activities income | $14,000 | 1,366 |
| Service charges on deposit accounts | $370,000 | 3,606 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $204,000 | 4,883 |
| Total noninterest expense | $1,427,000 | 6,957 |
| Salaries and employee benefits | $727,000 | 7,083 |
| Premises and equipment expense | $209,000 | 6,674 |
| Additional noninterest expense | $491,000 | 6,496 |
| Pre-tax net operating income | $315,000 | 7,344 |
| Securities gains (losses) | $258,000 | 995 |
| Applicable income taxes | $128,000 | 5,682 |
| Income before extraordinary items | $445,000 | 6,334 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $445,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,947 |
| Cash dividends | $377,000 | 3,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $243,760 | 7,357 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,834,000 | 7,577 |
| Total interest expense | $1,619,000 | 6,916 |
| Net interest income | $1,215,000 | 8,039 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $489,000 | 4,972 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,518 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $238,000 | 4,393 |
| Total noninterest expense | $1,411,000 | 6,976 |
| Salaries and employee benefits | $705,000 | 7,182 |
| Premises and equipment expense | $188,000 | 6,945 |
| Additional noninterest expense | $518,000 | 6,296 |
| Pre-tax net operating income | $293,000 | 7,926 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $77,000 | 6,833 |
| Income before extraordinary items | $216,000 | 7,975 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $216,000 | 7,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,979 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $216,000 | 7,978 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $721,000 | 9,836 |
| Total interest expense | $365,000 | 9,705 |
| Net interest income | $356,000 | 9,885 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $107,000 | 8,719 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 8,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,314 |
| Total noninterest expense | $287,000 | 10,072 |
| Salaries and employee benefits | $136,000 | 10,076 |
| Premises and equipment expense | $22,000 | 10,065 |
| Additional noninterest expense | $129,000 | 9,713 |
| Pre-tax net operating income | $176,000 | 8,690 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $63,000 | 7,459 |
| Income before extraordinary items | $113,000 | 8,875 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $113,000 | 8,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,262 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $113,000 | 8,839 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,988,000 | 7,542 |
| Total interest expense | $1,857,000 | 6,441 |
| Net interest income | $1,131,000 | 8,498 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $469,000 | 5,122 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 5,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $283,000 | 4,151 |
| Total noninterest expense | $1,150,000 | 7,679 |
| Salaries and employee benefits | $613,000 | 7,683 |
| Premises and equipment expense | $96,000 | 8,805 |
| Additional noninterest expense | $441,000 | 6,874 |
| Pre-tax net operating income | $450,000 | 7,629 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $79,000 | 7,837 |
| Income before extraordinary items | $371,000 | 7,405 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $371,000 | 7,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,619 |
| Cash dividends | $265,000 | 4,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $371,000 | 7,329 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,986,000 | 7,768 |
| Total interest expense | $1,810,000 | 6,663 |
| Net interest income | $1,176,000 | 8,743 |
| Provision for loan and lease losses | $10,000 | 8,395 |
| Total noninterest income | $431,000 | 5,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $250,000 | 4,364 |
| Total noninterest expense | $1,226,000 | 7,582 |
| Salaries and employee benefits | $632,000 | 7,709 |
| Premises and equipment expense | $95,000 | 9,079 |
| Additional noninterest expense | $499,000 | 6,506 |
| Pre-tax net operating income | $371,000 | 8,605 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $49,000 | 9,272 |
| Income before extraordinary items | $322,000 | 8,208 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $322,000 | 8,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $215,000 | 5,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $322,000 | 8,168 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 8,010 |
| Total interest expense | $1,905,000 | 6,611 |
| Net interest income | $1,082,000 | 9,336 |
| Provision for loan and lease losses | $128,000 | 4,455 |
| Total noninterest income | $511,000 | 5,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $321,000 | 3,918 |
| Total noninterest expense | $1,189,000 | 8,014 |
| Salaries and employee benefits | $612,000 | 8,050 |
| Premises and equipment expense | $90,000 | 9,558 |
| Additional noninterest expense | $487,000 | 7,162 |
| Pre-tax net operating income | $276,000 | 9,283 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $24,000 | 10,128 |
| Income before extraordinary items | $252,000 | 8,817 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $252,000 | 8,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 2,222 |
| Cash dividends | $135,000 | 6,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $252,000 | 8,752 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,983,000 | 8,233 |
| Total interest expense | $1,864,000 | 6,750 |
| Net interest income | $1,119,000 | 9,575 |
| Provision for loan and lease losses | $863,000 | 1,068 |
| Total noninterest income | $413,000 | 5,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,848 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 4,822 |
| Total noninterest expense | $1,176,000 | 8,290 |
| Salaries and employee benefits | $572,000 | 8,547 |
| Premises and equipment expense | $93,000 | 9,830 |
| Additional noninterest expense | $511,000 | 7,168 |
| Pre-tax net operating income | $-507,000 | 11,796 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-262,000 | 11,823 |
| Income before extraordinary items | $-245,000 | 11,708 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-245,000 | 11,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $633,000 | 1,187 |
| Cash dividends | $90,000 | 6,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-245,000 | 11,693 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,857,000 | 8,304 |
| Total interest expense | $1,445,000 | 7,065 |
| Net interest income | $1,412,000 | 9,119 |
| Provision for loan and lease losses | $90,000 | 4,765 |
| Total noninterest income | $455,000 | 5,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 5,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $220,000 | 4,970 |
| Total noninterest expense | $1,204,000 | 8,585 |
| Salaries and employee benefits | $562,000 | 8,871 |
| Premises and equipment expense | $115,000 | 9,543 |
| Additional noninterest expense | $527,000 | 7,619 |
| Pre-tax net operating income | $573,000 | 8,168 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $149,000 | 8,321 |
| Income before extraordinary items | $424,000 | 7,944 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $424,000 | 7,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,158 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $424,000 | 7,997 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,867,000 | 8,553 |
| Total interest expense | $1,438,000 | 7,412 |
| Net interest income | $1,429,000 | 9,333 |
| Provision for loan and lease losses | $64,000 | 6,841 |
| Total noninterest income | $542,000 | 5,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $293,000 | 4,529 |
| Total noninterest expense | $1,186,000 | 8,948 |
| Salaries and employee benefits | $567,000 | 9,073 |
| Premises and equipment expense | $106,000 | 10,264 |
| Additional noninterest expense | $513,000 | 8,088 |
| Pre-tax net operating income | $721,000 | 7,250 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $219,000 | 7,275 |
| Income before extraordinary items | $502,000 | 7,534 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $502,000 | 7,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 5,491 |
| Cash dividends | $237,000 | 5,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $502,000 | 7,283 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,961,000 | 9,063 |
| Total interest expense | $1,614,000 | 8,157 |
| Net interest income | $1,347,000 | 9,814 |
| Provision for loan and lease losses | $77,000 | 8,018 |
| Total noninterest income | $352,000 | 7,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 6,035 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 6,548 |
| Total noninterest expense | $998,000 | 9,992 |
| Salaries and employee benefits | $481,000 | 9,968 |
| Premises and equipment expense | $98,000 | 10,802 |
| Additional noninterest expense | $419,000 | 9,344 |
| Pre-tax net operating income | $624,000 | 7,554 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $191,000 | 7,734 |
| Income before extraordinary items | $433,000 | 7,904 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $433,000 | 8,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 6,591 |
| Cash dividends | $237,000 | 4,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $433,000 | 7,546 |
* 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.