Home > Citizens' State Bank > Income and Expense
Citizens' State Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,319,000 | 8,049 |
| Total interest expense | $344,000 | 8,215 |
| Net interest income | $975,000 | 7,875 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $61,000 | 8,121 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $40,000 | 7,036 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $21,000 | 7,943 |
| Total noninterest expense | $537,000 | 8,399 |
| Salaries and employee benefits | $249,000 | 8,478 |
| Premises and equipment expense | $92,000 | 7,890 |
| Additional noninterest expense | $196,000 | 8,148 |
| Pre-tax net operating income | $499,000 | 6,490 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $193,000 | 4,329 |
| Income before extraordinary items | $306,000 | 6,886 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $306,000 | 6,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,587 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $306,000 | 6,890 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,404,000 | 5,816 |
| Total interest expense | $849,000 | 6,676 |
| Net interest income | $2,555,000 | 5,184 |
| Provision for loan and lease losses | $337,000 | 1,966 |
| Total noninterest income | $244,000 | 6,065 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $113,000 | 5,578 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $131,000 | 5,373 |
| Total noninterest expense | $1,691,000 | 5,788 |
| Salaries and employee benefits | $891,000 | 5,907 |
| Premises and equipment expense | $259,000 | 5,361 |
| Additional noninterest expense | $541,000 | 5,540 |
| Pre-tax net operating income | $771,000 | 5,301 |
| Securities gains (losses) | $-66,000 | 8,275 |
| Applicable income taxes | $241,000 | 3,896 |
| Income before extraordinary items | $464,000 | 5,924 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $464,000 | 5,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,234 |
| Cash dividends | $400,000 | 3,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $507,560 | 5,724 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,217,000 | 5,857 |
| Total interest expense | $530,000 | 6,731 |
| Net interest income | $1,687,000 | 5,244 |
| Provision for loan and lease losses | $337,000 | 1,340 |
| Total noninterest income | $165,000 | 6,054 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $76,000 | 5,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $89,000 | 5,375 |
| Total noninterest expense | $1,184,000 | 5,648 |
| Salaries and employee benefits | $648,000 | 5,666 |
| Premises and equipment expense | $166,000 | 5,500 |
| Additional noninterest expense | $370,000 | 5,464 |
| Pre-tax net operating income | $331,000 | 6,260 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $104,000 | 4,474 |
| Income before extraordinary items | $227,000 | 6,533 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $227,000 | 6,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 887 |
| Cash dividends | $400,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $227,000 | 6,532 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,071,000 | 5,914 |
| Total interest expense | $253,000 | 6,766 |
| Net interest income | $818,000 | 5,336 |
| Provision for loan and lease losses | $70,000 | 2,616 |
| Total noninterest income | $93,000 | 5,746 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $39,000 | 5,460 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $54,000 | 4,969 |
| Total noninterest expense | $608,000 | 5,586 |
| Salaries and employee benefits | $344,000 | 5,490 |
| Premises and equipment expense | $86,000 | 5,415 |
| Additional noninterest expense | $178,000 | 5,545 |
| Pre-tax net operating income | $233,000 | 5,514 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $69,000 | 4,070 |
| Income before extraordinary items | $164,000 | 5,759 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $164,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $164,000 | 5,762 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,989,000 | 5,839 |
| Total interest expense | $826,000 | 6,704 |
| Net interest income | $3,163,000 | 5,338 |
| Provision for loan and lease losses | $32,000 | 6,156 |
| Total noninterest income | $313,000 | 6,242 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $149,000 | 5,636 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $164,000 | 5,570 |
| Total noninterest expense | $2,163,000 | 5,835 |
| Salaries and employee benefits | $1,118,000 | 6,003 |
| Premises and equipment expense | $329,000 | 5,479 |
| Additional noninterest expense | $716,000 | 5,518 |
| Pre-tax net operating income | $1,281,000 | 4,762 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $455,000 | 3,515 |
| Income before extraordinary items | $826,000 | 5,274 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $826,000 | 5,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,251 |
| Cash dividends | $300,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $826,000 | 5,246 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,914,000 | 5,894 |
| Total interest expense | $593,000 | 6,744 |
| Net interest income | $2,321,000 | 5,420 |
| Provision for loan and lease losses | $32,000 | 5,761 |
| Total noninterest income | $238,000 | 6,233 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $111,000 | 5,669 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $127,000 | 5,502 |
| Total noninterest expense | $1,571,000 | 5,907 |
| Salaries and employee benefits | $826,000 | 6,026 |
| Premises and equipment expense | $247,000 | 5,466 |
| Additional noninterest expense | $498,000 | 5,711 |
| Pre-tax net operating income | $956,000 | 4,888 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $336,000 | 3,599 |
| Income before extraordinary items | $620,000 | 5,367 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $620,000 | 5,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,791 |
| Cash dividends | $200,000 | 4,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $620,000 | 5,340 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,879,000 | 5,925 |
| Total interest expense | $379,000 | 6,730 |
| Net interest income | $1,500,000 | 5,498 |
| Provision for loan and lease losses | $24,000 | 5,514 |
| Total noninterest income | $160,000 | 6,205 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $73,000 | 5,656 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $87,000 | 5,442 |
| Total noninterest expense | $1,064,000 | 5,858 |
| Salaries and employee benefits | $557,000 | 5,996 |
| Premises and equipment expense | $163,000 | 5,467 |
| Additional noninterest expense | $344,000 | 5,587 |
| Pre-tax net operating income | $572,000 | 5,119 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $195,000 | 3,829 |
| Income before extraordinary items | $377,000 | 5,591 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $377,000 | 5,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,718 |
| Cash dividends | $50,000 | 4,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $377,000 | 5,545 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $923,000 | 5,961 |
| Total interest expense | $178,000 | 6,817 |
| Net interest income | $745,000 | 5,553 |
| Provision for loan and lease losses | $12,000 | 5,254 |
| Total noninterest income | $73,000 | 6,353 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $36,000 | 5,648 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,797 |
| Total noninterest expense | $539,000 | 5,849 |
| Salaries and employee benefits | $283,000 | 5,978 |
| Premises and equipment expense | $83,000 | 5,458 |
| Additional noninterest expense | $173,000 | 5,535 |
| Pre-tax net operating income | $267,000 | 5,288 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $86,000 | 4,012 |
| Income before extraordinary items | $181,000 | 5,658 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $181,000 | 5,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $181,000 | 5,623 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,586,000 | 5,890 |
| Total interest expense | $576,000 | 7,037 |
| Net interest income | $3,010,000 | 5,405 |
| Provision for loan and lease losses | $48,000 | 5,981 |
| Total noninterest income | $289,000 | 6,485 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $157,000 | 5,693 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $132,000 | 5,935 |
| Total noninterest expense | $2,023,000 | 5,967 |
| Salaries and employee benefits | $1,086,000 | 6,017 |
| Premises and equipment expense | $290,000 | 5,767 |
| Additional noninterest expense | $647,000 | 5,769 |
| Pre-tax net operating income | $1,228,000 | 4,739 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $429,000 | 3,595 |
| Income before extraordinary items | $799,000 | 5,271 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $799,000 | 5,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,939 |
| Cash dividends | $750,000 | 2,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $799,000 | 5,194 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,621,000 | 5,980 |
| Total interest expense | $416,000 | 7,119 |
| Net interest income | $2,205,000 | 5,462 |
| Provision for loan and lease losses | $36,000 | 5,817 |
| Total noninterest income | $214,000 | 6,553 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $117,000 | 5,757 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $97,000 | 5,971 |
| Total noninterest expense | $1,507,000 | 5,948 |
| Salaries and employee benefits | $796,000 | 6,031 |
| Premises and equipment expense | $210,000 | 5,843 |
| Additional noninterest expense | $501,000 | 5,631 |
| Pre-tax net operating income | $876,000 | 4,961 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $302,000 | 3,791 |
| Income before extraordinary items | $574,000 | 5,480 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $574,000 | 5,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,064 |
| Cash dividends | $550,000 | 2,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $574,000 | 5,407 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,708,000 | 6,059 |
| Total interest expense | $279,000 | 7,150 |
| Net interest income | $1,429,000 | 5,552 |
| Provision for loan and lease losses | $24,000 | 5,696 |
| Total noninterest income | $143,000 | 6,576 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $78,000 | 5,773 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $65,000 | 5,981 |
| Total noninterest expense | $996,000 | 6,010 |
| Salaries and employee benefits | $524,000 | 6,124 |
| Premises and equipment expense | $140,000 | 5,870 |
| Additional noninterest expense | $332,000 | 5,657 |
| Pre-tax net operating income | $552,000 | 5,060 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $181,000 | 3,958 |
| Income before extraordinary items | $371,000 | 5,520 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $371,000 | 5,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,514 |
| Cash dividends | $450,000 | 2,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $371,000 | 5,422 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $852,000 | 6,084 |
| Total interest expense | $145,000 | 7,106 |
| Net interest income | $707,000 | 5,598 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $70,000 | 6,568 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $39,000 | 5,736 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $31,000 | 6,045 |
| Total noninterest expense | $506,000 | 6,005 |
| Salaries and employee benefits | $271,000 | 6,068 |
| Premises and equipment expense | $71,000 | 5,842 |
| Additional noninterest expense | $164,000 | 5,716 |
| Pre-tax net operating income | $259,000 | 5,182 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $74,000 | 4,258 |
| Income before extraordinary items | $185,000 | 5,527 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $185,000 | 5,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $185,000 | 5,409 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,672,000 | 5,909 |
| Total interest expense | $808,000 | 6,689 |
| Net interest income | $2,864,000 | 5,447 |
| Provision for loan and lease losses | $32,000 | 6,745 |
| Total noninterest income | $420,000 | 5,867 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $167,000 | 5,657 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $253,000 | 4,841 |
| Total noninterest expense | $1,955,000 | 6,064 |
| Salaries and employee benefits | $1,041,000 | 6,118 |
| Premises and equipment expense | $288,000 | 5,784 |
| Additional noninterest expense | $626,000 | 5,841 |
| Pre-tax net operating income | $1,297,000 | 4,488 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $456,000 | 3,548 |
| Income before extraordinary items | $841,000 | 5,120 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $841,000 | 5,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,027 |
| Cash dividends | $950,000 | 2,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $841,000 | 4,955 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,784,000 | 5,940 |
| Total interest expense | $652,000 | 6,651 |
| Net interest income | $2,132,000 | 5,506 |
| Provision for loan and lease losses | $12,000 | 7,043 |
| Total noninterest income | $241,000 | 6,500 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $123,000 | 5,743 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $118,000 | 5,763 |
| Total noninterest expense | $1,469,000 | 6,028 |
| Salaries and employee benefits | $783,000 | 6,079 |
| Premises and equipment expense | $224,000 | 5,659 |
| Additional noninterest expense | $462,000 | 5,888 |
| Pre-tax net operating income | $892,000 | 4,854 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $306,000 | 3,876 |
| Income before extraordinary items | $586,000 | 5,459 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $586,000 | 5,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $650,000 | 2,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $586,000 | 5,270 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,907,000 | 5,904 |
| Total interest expense | $476,000 | 6,531 |
| Net interest income | $1,431,000 | 5,480 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $145,000 | 6,708 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $79,000 | 5,792 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $66,000 | 6,086 |
| Total noninterest expense | $992,000 | 6,019 |
| Salaries and employee benefits | $541,000 | 5,976 |
| Premises and equipment expense | $147,000 | 5,723 |
| Additional noninterest expense | $304,000 | 5,943 |
| Pre-tax net operating income | $572,000 | 4,964 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $193,000 | 4,041 |
| Income before extraordinary items | $379,000 | 5,553 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $379,000 | 5,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,111 |
| Cash dividends | $400,000 | 2,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $379,000 | 5,335 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $979,000 | 5,842 |
| Total interest expense | $266,000 | 6,302 |
| Net interest income | $713,000 | 5,492 |
| Provision for loan and lease losses | $12,000 | 5,906 |
| Total noninterest income | $74,000 | 6,601 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $39,000 | 5,725 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $35,000 | 5,938 |
| Total noninterest expense | $494,000 | 6,038 |
| Salaries and employee benefits | $272,000 | 5,952 |
| Premises and equipment expense | $72,000 | 5,758 |
| Additional noninterest expense | $150,000 | 5,938 |
| Pre-tax net operating income | $281,000 | 4,954 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $89,000 | 4,165 |
| Income before extraordinary items | $192,000 | 5,426 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $192,000 | 5,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $200,000 | 2,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $192,000 | 5,233 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,388,000 | 5,615 |
| Total interest expense | $1,295,000 | 6,193 |
| Net interest income | $3,093,000 | 5,187 |
| Provision for loan and lease losses | $72,000 | 6,236 |
| Total noninterest income | $338,000 | 6,188 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $201,000 | 5,177 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $137,000 | 5,794 |
| Total noninterest expense | $2,031,000 | 5,823 |
| Salaries and employee benefits | $1,109,000 | 5,778 |
| Premises and equipment expense | $288,000 | 5,703 |
| Additional noninterest expense | $634,000 | 5,731 |
| Pre-tax net operating income | $1,328,000 | 4,432 |
| Securities gains (losses) | $16,000 | 3,321 |
| Applicable income taxes | $465,000 | 3,600 |
| Income before extraordinary items | $879,000 | 4,936 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $879,000 | 4,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,309 |
| Cash dividends | $730,000 | 2,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $868,600 | 4,848 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,999,000 | 5,614 |
| Total interest expense | $1,977,000 | 6,131 |
| Net interest income | $3,022,000 | 5,043 |
| Provision for loan and lease losses | $107,000 | 5,481 |
| Total noninterest income | $340,000 | 6,085 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $216,000 | 4,986 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $124,000 | 5,927 |
| Total noninterest expense | $1,966,000 | 5,802 |
| Salaries and employee benefits | $1,047,000 | 5,830 |
| Premises and equipment expense | $288,000 | 5,656 |
| Additional noninterest expense | $631,000 | 5,655 |
| Pre-tax net operating income | $1,289,000 | 4,247 |
| Securities gains (losses) | $72,000 | 2,029 |
| Applicable income taxes | $461,000 | 3,465 |
| Income before extraordinary items | $900,000 | 4,573 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $900,000 | 4,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,044 |
| Cash dividends | $1,400,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $852,480 | 4,598 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,867,000 | 5,836 |
| Total interest expense | $2,082,000 | 6,152 |
| Net interest income | $2,785,000 | 5,421 |
| Provision for loan and lease losses | $73,000 | 5,905 |
| Total noninterest income | $338,000 | 5,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $247,000 | 4,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 6,639 |
| Total noninterest expense | $1,873,000 | 5,913 |
| Salaries and employee benefits | $942,000 | 6,157 |
| Premises and equipment expense | $300,000 | 5,422 |
| Additional noninterest expense | $631,000 | 5,586 |
| Pre-tax net operating income | $1,177,000 | 4,775 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $374,000 | 4,136 |
| Income before extraordinary items | $803,000 | 5,042 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $803,000 | 5,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,361 |
| Cash dividends | $850,000 | 2,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $803,000 | 5,035 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,472,000 | 5,961 |
| Total interest expense | $1,605,000 | 6,717 |
| Net interest income | $2,867,000 | 5,337 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $363,000 | 5,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 4,575 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,224 |
| Total noninterest expense | $1,844,000 | 5,992 |
| Salaries and employee benefits | $971,000 | 5,998 |
| Premises and equipment expense | $268,000 | 5,829 |
| Additional noninterest expense | $605,000 | 5,793 |
| Pre-tax net operating income | $1,326,000 | 4,455 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $453,000 | 3,850 |
| Income before extraordinary items | $873,000 | 4,831 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $873,000 | 4,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,573 |
| Cash dividends | $700,000 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $873,000 | 4,788 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,531,000 | 6,034 |
| Total interest expense | $1,738,000 | 6,679 |
| Net interest income | $2,792,000 | 5,423 |
| Provision for loan and lease losses | $110,000 | 4,906 |
| Total noninterest income | $400,000 | 5,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 4,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 5,750 |
| Total noninterest expense | $1,883,000 | 5,819 |
| Salaries and employee benefits | $974,000 | 5,876 |
| Premises and equipment expense | $280,000 | 5,588 |
| Additional noninterest expense | $629,000 | 5,561 |
| Pre-tax net operating income | $1,199,000 | 4,885 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $399,000 | 4,418 |
| Income before extraordinary items | $801,000 | 5,189 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $801,000 | 5,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,492 |
| Cash dividends | $650,000 | 2,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $800,330 | 5,104 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,701,000 | 6,046 |
| Total interest expense | $1,819,000 | 6,640 |
| Net interest income | $2,882,000 | 5,472 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $452,000 | 5,312 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $279,000 | 4,299 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 5,316 |
| Total noninterest expense | $1,886,000 | 5,886 |
| Salaries and employee benefits | $942,000 | 6,099 |
| Premises and equipment expense | $271,000 | 5,790 |
| Additional noninterest expense | $673,000 | 5,369 |
| Pre-tax net operating income | $1,398,000 | 4,727 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $416,000 | 4,760 |
| Income before extraordinary items | $985,000 | 4,757 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $985,000 | 4,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,868 |
| Cash dividends | $600,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $982,900 | 4,698 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,706,000 | 6,196 |
| Total interest expense | $1,734,000 | 7,000 |
| Net interest income | $2,972,000 | 5,483 |
| Provision for loan and lease losses | $-300,000 | 11,371 |
| Total noninterest income | $559,000 | 4,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $256,000 | 4,744 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $303,000 | 4,045 |
| Total noninterest expense | $2,151,000 | 5,630 |
| Salaries and employee benefits | $904,000 | 6,442 |
| Premises and equipment expense | $563,000 | 3,409 |
| Additional noninterest expense | $684,000 | 5,831 |
| Pre-tax net operating income | $1,680,000 | 3,975 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $633,000 | 3,423 |
| Income before extraordinary items | $1,047,000 | 4,313 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,047,000 | 4,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-251,000 | 11,354 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,047,000 | 4,262 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,478,000 | 6,481 |
| Total interest expense | $1,604,000 | 7,405 |
| Net interest income | $2,874,000 | 5,694 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $494,000 | 5,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $233,000 | 5,153 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $261,000 | 4,369 |
| Total noninterest expense | $1,725,000 | 6,665 |
| Salaries and employee benefits | $810,000 | 7,053 |
| Premises and equipment expense | $224,000 | 6,765 |
| Additional noninterest expense | $691,000 | 5,919 |
| Pre-tax net operating income | $1,643,000 | 4,126 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $605,000 | 3,636 |
| Income before extraordinary items | $1,030,000 | 4,472 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,030,000 | 4,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $780,000 | 2,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,035,120 | 4,454 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,603,000 | 7,183 |
| Total interest expense | $1,138,000 | 8,151 |
| Net interest income | $2,465,000 | 6,545 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $512,000 | 5,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 5,601 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $298,000 | 4,110 |
| Total noninterest expense | $1,691,000 | 7,020 |
| Salaries and employee benefits | $754,000 | 7,494 |
| Premises and equipment expense | $201,000 | 7,402 |
| Additional noninterest expense | $736,000 | 6,085 |
| Pre-tax net operating income | $1,286,000 | 4,984 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $457,000 | 4,336 |
| Income before extraordinary items | $831,000 | 5,210 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $831,000 | 5,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 11,643 |
| Cash dividends | $1,525,000 | 1,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $829,700 | 5,271 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,993,000 | 6,887 |
| Total interest expense | $1,178,000 | 8,357 |
| Net interest income | $2,815,000 | 5,948 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $476,000 | 5,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,548 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $253,000 | 4,978 |
| Total noninterest expense | $1,784,000 | 6,935 |
| Salaries and employee benefits | $836,000 | 7,097 |
| Premises and equipment expense | $224,000 | 7,205 |
| Additional noninterest expense | $724,000 | 6,398 |
| Pre-tax net operating income | $1,507,000 | 4,310 |
| Securities gains (losses) | $468,000 | 945 |
| Applicable income taxes | $688,000 | 3,170 |
| Income before extraordinary items | $1,287,000 | 3,754 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,287,000 | 3,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 6,409 |
| Cash dividends | $678,000 | 2,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $982,800 | 4,521 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,259,000 | 7,174 |
| Total interest expense | $1,622,000 | 8,132 |
| Net interest income | $2,637,000 | 6,342 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $831,000 | 3,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,805 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $621,000 | 2,762 |
| Total noninterest expense | $1,626,000 | 7,485 |
| Salaries and employee benefits | $805,000 | 7,227 |
| Premises and equipment expense | $266,000 | 6,505 |
| Additional noninterest expense | $555,000 | 7,934 |
| Pre-tax net operating income | $1,842,000 | 3,357 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $617,000 | 3,354 |
| Income before extraordinary items | $1,232,000 | 3,713 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,232,000 | 3,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 6,844 |
| Cash dividends | $1,352,000 | 1,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,227,310 | 3,456 |
* 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.