Home > Citizens State Bank of Ballard County > Income and Expense
Citizens State Bank of Ballard County, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,501,000 | 6,560 |
| Total interest expense | $317,000 | 7,078 |
| Net interest income | $1,184,000 | 6,231 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $201,000 | 5,719 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $154,000 | 4,093 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $47,000 | 6,506 |
| Total noninterest expense | $929,000 | 6,307 |
| Salaries and employee benefits | $366,000 | 7,149 |
| Premises and equipment expense | $106,000 | 6,575 |
| Additional noninterest expense | $457,000 | 4,676 |
| Pre-tax net operating income | $456,000 | 5,669 |
| Securities gains (losses) | $-27,000 | 8,446 |
| Applicable income taxes | $107,000 | 4,727 |
| Income before extraordinary items | $322,000 | 5,961 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $322,000 | 5,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 8,444 |
| Cash dividends | $525,000 | 2,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $342,250 | 5,793 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $738,000 | 6,614 |
| Total interest expense | $150,000 | 7,161 |
| Net interest income | $588,000 | 6,276 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $103,000 | 5,609 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $79,000 | 3,954 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $443,000 | 6,472 |
| Salaries and employee benefits | $172,000 | 7,349 |
| Premises and equipment expense | $45,000 | 6,980 |
| Additional noninterest expense | $226,000 | 4,689 |
| Pre-tax net operating income | $248,000 | 5,465 |
| Securities gains (losses) | $6,000 | 1,143 |
| Applicable income taxes | $67,000 | 4,351 |
| Income before extraordinary items | $187,000 | 5,595 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $187,000 | 5,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,291 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $182,560 | 5,600 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,945,000 | 6,480 |
| Total interest expense | $654,000 | 6,747 |
| Net interest income | $2,291,000 | 6,254 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $395,000 | 5,825 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $335,000 | 4,049 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $60,000 | 7,192 |
| Total noninterest expense | $1,785,000 | 6,388 |
| Salaries and employee benefits | $625,000 | 7,568 |
| Premises and equipment expense | $193,000 | 6,844 |
| Additional noninterest expense | $967,000 | 4,464 |
| Pre-tax net operating income | $901,000 | 5,487 |
| Securities gains (losses) | $12,000 | 2,733 |
| Applicable income taxes | $231,000 | 4,561 |
| Income before extraordinary items | $682,000 | 5,660 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $682,000 | 5,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,645 |
| Cash dividends | $760,000 | 2,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $673,000 | 5,627 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,205,000 | 6,495 |
| Total interest expense | $500,000 | 6,700 |
| Net interest income | $1,705,000 | 6,282 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $287,000 | 5,928 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $258,000 | 4,025 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $29,000 | 7,742 |
| Total noninterest expense | $1,307,000 | 6,424 |
| Salaries and employee benefits | $463,000 | 7,547 |
| Premises and equipment expense | $142,000 | 6,853 |
| Additional noninterest expense | $702,000 | 4,513 |
| Pre-tax net operating income | $685,000 | 5,570 |
| Securities gains (losses) | $7,000 | 2,893 |
| Applicable income taxes | $176,000 | 4,637 |
| Income before extraordinary items | $516,000 | 5,746 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $516,000 | 5,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,006 |
| Cash dividends | $760,000 | 2,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $510,750 | 5,702 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,464,000 | 6,538 |
| Total interest expense | $337,000 | 6,704 |
| Net interest income | $1,127,000 | 6,337 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $185,000 | 5,997 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $164,000 | 4,129 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $21,000 | 7,686 |
| Total noninterest expense | $835,000 | 6,603 |
| Salaries and employee benefits | $298,000 | 7,693 |
| Premises and equipment expense | $91,000 | 6,970 |
| Additional noninterest expense | $446,000 | 4,708 |
| Pre-tax net operating income | $477,000 | 5,428 |
| Securities gains (losses) | $7,000 | 2,608 |
| Applicable income taxes | $126,000 | 4,529 |
| Income before extraordinary items | $358,000 | 5,609 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $358,000 | 5,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,767 |
| Cash dividends | $580,000 | 1,939 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $352,820 | 5,565 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $735,000 | 6,552 |
| Total interest expense | $173,000 | 6,715 |
| Net interest income | $562,000 | 6,355 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $90,000 | 6,013 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $78,000 | 4,175 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $409,000 | 6,702 |
| Salaries and employee benefits | $147,000 | 7,742 |
| Premises and equipment expense | $43,000 | 7,106 |
| Additional noninterest expense | $219,000 | 4,739 |
| Pre-tax net operating income | $243,000 | 5,353 |
| Securities gains (losses) | $7,000 | 2,210 |
| Applicable income taxes | $66,000 | 4,439 |
| Income before extraordinary items | $184,000 | 5,540 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $184,000 | 5,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,844 |
| Cash dividends | $400,000 | 1,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $178,820 | 5,493 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,299,000 | 7,248 |
| Total interest expense | $754,000 | 6,859 |
| Net interest income | $1,545,000 | 7,297 |
| Provision for loan and lease losses | $25,000 | 6,896 |
| Total noninterest income | $312,000 | 6,512 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $268,000 | 4,579 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $44,000 | 7,707 |
| Total noninterest expense | $1,475,000 | 6,935 |
| Salaries and employee benefits | $558,000 | 7,867 |
| Premises and equipment expense | $156,000 | 7,323 |
| Additional noninterest expense | $761,000 | 5,226 |
| Pre-tax net operating income | $357,000 | 7,206 |
| Securities gains (losses) | $-2,000 | 8,601 |
| Applicable income taxes | $47,000 | 6,333 |
| Income before extraordinary items | $308,000 | 7,247 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $308,000 | 7,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 2,148 |
| Cash dividends | $4,050,000 | 773 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $309,740 | 7,092 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,587,000 | 7,522 |
| Total interest expense | $555,000 | 7,054 |
| Net interest income | $1,032,000 | 7,593 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $214,000 | 6,735 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $186,000 | 4,799 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $28,000 | 7,919 |
| Total noninterest expense | $1,044,000 | 7,092 |
| Salaries and employee benefits | $407,000 | 7,901 |
| Premises and equipment expense | $110,000 | 7,458 |
| Additional noninterest expense | $527,000 | 5,470 |
| Pre-tax net operating income | $202,000 | 7,722 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $19,000 | 6,822 |
| Income before extraordinary items | $183,000 | 7,692 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $183,000 | 7,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,279 |
| Cash dividends | $4,050,000 | 564 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $183,000 | 7,549 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $927,000 | 7,857 |
| Total interest expense | $342,000 | 7,380 |
| Net interest income | $585,000 | 7,947 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $121,000 | 7,043 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $107,000 | 5,112 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $14,000 | 8,211 |
| Total noninterest expense | $597,000 | 7,491 |
| Salaries and employee benefits | $242,000 | 8,146 |
| Premises and equipment expense | $59,000 | 7,849 |
| Additional noninterest expense | $296,000 | 6,020 |
| Pre-tax net operating income | $109,000 | 7,930 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $4,000 | 7,232 |
| Income before extraordinary items | $105,000 | 7,902 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $105,000 | 7,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,922 |
| Cash dividends | $4,000,000 | 418 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $105,000 | 7,729 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $294,000 | 8,624 |
| Total interest expense | $107,000 | 8,337 |
| Net interest income | $187,000 | 8,649 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $36,000 | 7,906 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 6,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $180,000 | 8,493 |
| Salaries and employee benefits | $75,000 | 8,854 |
| Premises and equipment expense | $15,000 | 8,679 |
| Additional noninterest expense | $90,000 | 7,412 |
| Pre-tax net operating income | $43,000 | 8,097 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $7,000 | 6,747 |
| Income before extraordinary items | $36,000 | 8,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $36,000 | 8,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $4,000,000 | 223 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $36,000 | 8,026 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,802,000 | 6,066 |
| Total interest expense | $1,488,000 | 5,742 |
| Net interest income | $2,314,000 | 6,155 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $345,000 | 6,134 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $313,000 | 4,137 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $32,000 | 8,125 |
| Total noninterest expense | $1,663,000 | 6,533 |
| Salaries and employee benefits | $748,000 | 7,086 |
| Premises and equipment expense | $138,000 | 7,615 |
| Additional noninterest expense | $777,000 | 5,035 |
| Pre-tax net operating income | $996,000 | 5,218 |
| Securities gains (losses) | $29,000 | 2,860 |
| Applicable income taxes | $300,000 | 4,449 |
| Income before extraordinary items | $725,000 | 5,460 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $725,000 | 5,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 4,259 |
| Cash dividends | $706,000 | 2,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $704,410 | 5,404 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,748,000 | 5,794 |
| Total interest expense | $2,074,000 | 5,979 |
| Net interest income | $2,674,000 | 5,496 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $367,000 | 5,905 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $309,000 | 4,083 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $58,000 | 7,449 |
| Total noninterest expense | $1,917,000 | 5,897 |
| Salaries and employee benefits | $771,000 | 6,906 |
| Premises and equipment expense | $143,000 | 7,644 |
| Additional noninterest expense | $1,003,000 | 4,058 |
| Pre-tax net operating income | $1,124,000 | 4,596 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $438,000 | 3,559 |
| Income before extraordinary items | $686,000 | 5,282 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $686,000 | 5,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,796 |
| Cash dividends | $507,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $686,000 | 5,160 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,836,000 | 5,866 |
| Total interest expense | $2,124,000 | 6,098 |
| Net interest income | $2,712,000 | 5,524 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $371,000 | 5,748 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $319,000 | 3,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,733 |
| Total noninterest expense | $1,816,000 | 6,034 |
| Salaries and employee benefits | $707,000 | 7,169 |
| Premises and equipment expense | $170,000 | 7,242 |
| Additional noninterest expense | $939,000 | 4,190 |
| Pre-tax net operating income | $1,267,000 | 4,583 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $491,000 | 3,525 |
| Income before extraordinary items | $776,000 | 5,131 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $776,000 | 5,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,349 |
| Cash dividends | $508,000 | 3,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $776,000 | 5,130 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,219,000 | 6,177 |
| Total interest expense | $1,856,000 | 6,256 |
| Net interest income | $2,363,000 | 6,009 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $347,000 | 6,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 3,967 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,226 |
| Total noninterest expense | $1,756,000 | 6,165 |
| Salaries and employee benefits | $637,000 | 7,559 |
| Premises and equipment expense | $158,000 | 7,534 |
| Additional noninterest expense | $961,000 | 4,151 |
| Pre-tax net operating income | $954,000 | 5,444 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $392,000 | 4,227 |
| Income before extraordinary items | $565,000 | 6,075 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $565,000 | 6,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,567 |
| Cash dividends | $378,000 | 4,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $563,080 | 6,059 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,987,000 | 6,492 |
| Total interest expense | $1,797,000 | 6,558 |
| Net interest income | $2,190,000 | 6,309 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $303,000 | 6,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 4,820 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,213 |
| Total noninterest expense | $1,715,000 | 6,194 |
| Salaries and employee benefits | $596,000 | 7,779 |
| Premises and equipment expense | $163,000 | 7,375 |
| Additional noninterest expense | $956,000 | 4,106 |
| Pre-tax net operating income | $778,000 | 6,170 |
| Securities gains (losses) | $26,000 | 2,229 |
| Applicable income taxes | $343,000 | 4,812 |
| Income before extraordinary items | $461,000 | 6,846 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $461,000 | 6,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,603 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $444,360 | 6,852 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,970,000 | 6,689 |
| Total interest expense | $1,922,000 | 6,417 |
| Net interest income | $2,048,000 | 6,819 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $317,000 | 6,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,347 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,329 |
| Total noninterest expense | $1,931,000 | 5,785 |
| Salaries and employee benefits | $726,000 | 7,164 |
| Premises and equipment expense | $188,000 | 7,059 |
| Additional noninterest expense | $1,017,000 | 3,842 |
| Pre-tax net operating income | $434,000 | 8,265 |
| Securities gains (losses) | $23,000 | 1,798 |
| Applicable income taxes | $227,000 | 6,538 |
| Income before extraordinary items | $230,000 | 8,909 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $230,000 | 8,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-92,000 | 10,691 |
| Cash dividends | $20,000 | 7,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $215,280 | 8,986 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,864,000 | 6,990 |
| Total interest expense | $1,902,000 | 6,622 |
| Net interest income | $1,962,000 | 7,228 |
| Provision for loan and lease losses | $452,000 | 1,880 |
| Total noninterest income | $349,000 | 6,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $246,000 | 4,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,023 |
| Total noninterest expense | $1,646,000 | 6,719 |
| Salaries and employee benefits | $787,000 | 7,044 |
| Premises and equipment expense | $270,000 | 5,962 |
| Additional noninterest expense | $589,000 | 6,421 |
| Pre-tax net operating income | $213,000 | 9,709 |
| Securities gains (losses) | $13,000 | 2,310 |
| Applicable income taxes | $39,000 | 9,889 |
| Income before extraordinary items | $187,000 | 9,423 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $187,000 | 9,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 1,845 |
| Cash dividends | $54,000 | 7,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $176,210 | 9,474 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,923,000 | 7,087 |
| Total interest expense | $1,910,000 | 6,667 |
| Net interest income | $2,013,000 | 7,276 |
| Provision for loan and lease losses | $204,000 | 2,963 |
| Total noninterest income | $280,000 | 7,309 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,310 |
| Total noninterest expense | $1,743,000 | 6,612 |
| Salaries and employee benefits | $821,000 | 6,986 |
| Premises and equipment expense | $266,000 | 6,114 |
| Additional noninterest expense | $656,000 | 6,154 |
| Pre-tax net operating income | $346,000 | 9,416 |
| Securities gains (losses) | $33,000 | 1,557 |
| Applicable income taxes | $103,000 | 9,125 |
| Income before extraordinary items | $276,000 | 9,174 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $276,000 | 9,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,468 |
| Cash dividends | $45,000 | 7,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $251,910 | 9,380 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,638,000 | 7,146 |
| Total interest expense | $1,537,000 | 6,783 |
| Net interest income | $2,101,000 | 7,319 |
| Provision for loan and lease losses | $304,000 | 2,222 |
| Total noninterest income | $254,000 | 7,886 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,986 |
| Total noninterest expense | $1,645,000 | 7,149 |
| Salaries and employee benefits | $781,000 | 7,309 |
| Premises and equipment expense | $123,000 | 9,301 |
| Additional noninterest expense | $741,000 | 6,047 |
| Pre-tax net operating income | $406,000 | 9,318 |
| Securities gains (losses) | $-62,000 | 11,197 |
| Applicable income taxes | $71,000 | 10,001 |
| Income before extraordinary items | $273,000 | 9,453 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $273,000 | 9,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 1,887 |
| Cash dividends | $54,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $321,980 | 8,973 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,871,000 | 7,031 |
| Total interest expense | $1,629,000 | 6,799 |
| Net interest income | $2,242,000 | 7,052 |
| Provision for loan and lease losses | $715,000 | 1,636 |
| Total noninterest income | $310,000 | 7,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 6,072 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 7,420 |
| Total noninterest expense | $1,750,000 | 7,044 |
| Salaries and employee benefits | $874,000 | 6,871 |
| Premises and equipment expense | $145,000 | 9,044 |
| Additional noninterest expense | $731,000 | 6,357 |
| Pre-tax net operating income | $87,000 | 11,951 |
| Securities gains (losses) | $80,000 | 2,797 |
| Applicable income taxes | $-2,000 | 12,732 |
| Income before extraordinary items | $169,000 | 10,987 |
| Extraordinary gains, net | $24,000 | 2,616 |
| Net income | $193,000 | 10,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 1,825 |
| Cash dividends | $310,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $89,000 | 11,733 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,919,000 | 7,616 |
| Total interest expense | $1,965,000 | 7,184 |
| Net interest income | $1,954,000 | 7,887 |
| Provision for loan and lease losses | $150,000 | 6,067 |
| Total noninterest income | $253,000 | 8,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,755 |
| Total noninterest expense | $1,565,000 | 7,691 |
| Salaries and employee benefits | $797,000 | 7,274 |
| Premises and equipment expense | $111,000 | 10,343 |
| Additional noninterest expense | $657,000 | 7,054 |
| Pre-tax net operating income | $492,000 | 8,461 |
| Securities gains (losses) | $22,000 | 5,460 |
| Applicable income taxes | $101,000 | 9,893 |
| Income before extraordinary items | $413,000 | 8,078 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $413,000 | 8,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 7,255 |
| Cash dividends | $278,000 | 4,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $395,400 | 7,909 |
* 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.