Home > Citizens State Bank of Waterville > Income and Expense
Citizens State Bank of Waterville, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $646,000 | 8,174 |
| Total interest expense | $149,000 | 8,362 |
| Net interest income | $497,000 | 7,973 |
| Provision for loan and lease losses | $2,000 | 6,347 |
| Total noninterest income | $104,000 | 6,919 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $59,000 | 6,001 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $45,000 | 6,526 |
| Total noninterest expense | $346,000 | 8,228 |
| Salaries and employee benefits | $180,000 | 8,302 |
| Premises and equipment expense | $43,000 | 8,003 |
| Additional noninterest expense | $123,000 | 7,912 |
| Pre-tax net operating income | $253,000 | 6,752 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $253,000 | 6,364 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $253,000 | 6,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $593,000 | 2,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $253,000 | 6,369 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $310,000 | 8,229 |
| Total interest expense | $71,000 | 8,378 |
| Net interest income | $239,000 | 8,051 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $55,000 | 6,782 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $27,000 | 6,103 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $28,000 | 6,187 |
| Total noninterest expense | $180,000 | 8,202 |
| Salaries and employee benefits | $91,000 | 8,311 |
| Premises and equipment expense | $24,000 | 7,898 |
| Additional noninterest expense | $65,000 | 7,821 |
| Pre-tax net operating income | $114,000 | 6,893 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $114,000 | 6,507 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $114,000 | 6,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $516,000 | 1,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $114,000 | 6,506 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,237,000 | 8,152 |
| Total interest expense | $223,000 | 8,402 |
| Net interest income | $1,014,000 | 7,916 |
| Provision for loan and lease losses | $7,000 | 6,907 |
| Total noninterest income | $186,000 | 7,177 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $113,000 | 6,094 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $73,000 | 6,887 |
| Total noninterest expense | $656,000 | 8,317 |
| Salaries and employee benefits | $366,000 | 8,317 |
| Premises and equipment expense | $68,000 | 8,253 |
| Additional noninterest expense | $222,000 | 8,097 |
| Pre-tax net operating income | $537,000 | 6,627 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $22,000 | 6,289 |
| Income before extraordinary items | $517,000 | 6,298 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $517,000 | 6,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,381 |
| Cash dividends | $254,000 | 4,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $515,080 | 6,280 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $904,000 | 8,211 |
| Total interest expense | $156,000 | 8,441 |
| Net interest income | $748,000 | 7,992 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $137,000 | 7,237 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $85,000 | 6,137 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $52,000 | 7,014 |
| Total noninterest expense | $485,000 | 8,311 |
| Salaries and employee benefits | $266,000 | 8,326 |
| Premises and equipment expense | $52,000 | 8,242 |
| Additional noninterest expense | $167,000 | 8,087 |
| Pre-tax net operating income | $400,000 | 6,794 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $21,000 | 6,272 |
| Income before extraordinary items | $381,000 | 6,478 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $381,000 | 6,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $254,000 | 3,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $379,100 | 6,455 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $584,000 | 8,248 |
| Total interest expense | $92,000 | 8,490 |
| Net interest income | $492,000 | 8,023 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $91,000 | 7,214 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $54,000 | 6,184 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $37,000 | 6,911 |
| Total noninterest expense | $324,000 | 8,314 |
| Salaries and employee benefits | $175,000 | 8,354 |
| Premises and equipment expense | $36,000 | 8,221 |
| Additional noninterest expense | $113,000 | 8,060 |
| Pre-tax net operating income | $259,000 | 6,844 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $21,000 | 6,068 |
| Income before extraordinary items | $240,000 | 6,596 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $240,000 | 6,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $254,000 | 3,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $238,160 | 6,563 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $285,000 | 8,332 |
| Total interest expense | $43,000 | 8,574 |
| Net interest income | $242,000 | 8,116 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $47,000 | 7,174 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $28,000 | 6,092 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,923 |
| Total noninterest expense | $165,000 | 8,375 |
| Salaries and employee benefits | $89,000 | 8,411 |
| Premises and equipment expense | $18,000 | 8,281 |
| Additional noninterest expense | $58,000 | 8,095 |
| Pre-tax net operating income | $124,000 | 6,905 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $18,000 | 5,732 |
| Income before extraordinary items | $106,000 | 6,786 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $106,000 | 6,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $254,000 | 1,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $106,000 | 6,751 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,123,000 | 8,293 |
| Total interest expense | $208,000 | 8,437 |
| Net interest income | $915,000 | 8,153 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $212,000 | 7,051 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $135,000 | 5,973 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $77,000 | 6,829 |
| Total noninterest expense | $702,000 | 8,309 |
| Salaries and employee benefits | $387,000 | 8,341 |
| Premises and equipment expense | $70,000 | 8,351 |
| Additional noninterest expense | $245,000 | 8,019 |
| Pre-tax net operating income | $425,000 | 6,962 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $141,000 | 5,174 |
| Income before extraordinary items | $284,000 | 7,296 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $284,000 | 7,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $294,000 | 4,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $284,000 | 7,245 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $833,000 | 8,345 |
| Total interest expense | $157,000 | 8,472 |
| Net interest income | $676,000 | 8,209 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $164,000 | 7,032 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $104,000 | 5,986 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $60,000 | 6,801 |
| Total noninterest expense | $535,000 | 8,302 |
| Salaries and employee benefits | $298,000 | 8,287 |
| Premises and equipment expense | $51,000 | 8,385 |
| Additional noninterest expense | $186,000 | 8,002 |
| Pre-tax net operating income | $305,000 | 7,178 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $100,000 | 5,346 |
| Income before extraordinary items | $205,000 | 7,451 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $205,000 | 7,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $294,000 | 3,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $205,000 | 7,390 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $553,000 | 8,394 |
| Total interest expense | $106,000 | 8,529 |
| Net interest income | $447,000 | 8,269 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $116,000 | 6,962 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $72,000 | 5,920 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $44,000 | 6,668 |
| Total noninterest expense | $352,000 | 8,359 |
| Salaries and employee benefits | $195,000 | 8,373 |
| Premises and equipment expense | $33,000 | 8,448 |
| Additional noninterest expense | $124,000 | 8,044 |
| Pre-tax net operating income | $211,000 | 7,102 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $70,000 | 5,279 |
| Income before extraordinary items | $141,000 | 7,406 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $141,000 | 7,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,514 |
| Cash dividends | $294,000 | 2,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $141,000 | 7,335 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $272,000 | 8,467 |
| Total interest expense | $53,000 | 8,586 |
| Net interest income | $219,000 | 8,339 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $55,000 | 7,060 |
| 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 | $16,000 | 7,156 |
| Total noninterest expense | $171,000 | 8,456 |
| Salaries and employee benefits | $97,000 | 8,423 |
| Premises and equipment expense | $17,000 | 8,430 |
| Additional noninterest expense | $57,000 | 8,230 |
| Pre-tax net operating income | $103,000 | 7,108 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $34,000 | 5,263 |
| Income before extraordinary items | $69,000 | 7,425 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $69,000 | 7,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $294,000 | 1,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $69,000 | 7,349 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,257,000 | 8,336 |
| Total interest expense | $288,000 | 8,495 |
| Net interest income | $969,000 | 8,147 |
| Provision for loan and lease losses | $11,000 | 7,350 |
| Total noninterest income | $215,000 | 7,213 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $158,000 | 5,765 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $57,000 | 7,379 |
| Total noninterest expense | $714,000 | 8,426 |
| Salaries and employee benefits | $411,000 | 8,377 |
| Premises and equipment expense | $65,000 | 8,554 |
| Additional noninterest expense | $238,000 | 8,167 |
| Pre-tax net operating income | $459,000 | 6,806 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $164,000 | 5,176 |
| Income before extraordinary items | $295,000 | 7,300 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $295,000 | 7,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $348,000 | 4,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $295,000 | 7,155 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $967,000 | 8,393 |
| Total interest expense | $227,000 | 8,558 |
| Net interest income | $740,000 | 8,186 |
| Provision for loan and lease losses | $11,000 | 7,078 |
| Total noninterest income | $164,000 | 7,233 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $118,000 | 5,818 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $46,000 | 7,333 |
| Total noninterest expense | $536,000 | 8,437 |
| Salaries and employee benefits | $308,000 | 8,383 |
| Premises and equipment expense | $49,000 | 8,587 |
| Additional noninterest expense | $179,000 | 8,183 |
| Pre-tax net operating income | $357,000 | 6,919 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $130,000 | 5,284 |
| Income before extraordinary items | $227,000 | 7,412 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $227,000 | 7,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $348,000 | 3,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $227,000 | 7,255 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $658,000 | 8,419 |
| Total interest expense | $159,000 | 8,591 |
| Net interest income | $499,000 | 8,210 |
| Provision for loan and lease losses | $10,000 | 6,790 |
| Total noninterest income | $112,000 | 7,187 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $82,000 | 5,716 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $30,000 | 7,328 |
| Total noninterest expense | $357,000 | 8,462 |
| Salaries and employee benefits | $207,000 | 8,403 |
| Premises and equipment expense | $31,000 | 8,641 |
| Additional noninterest expense | $119,000 | 8,182 |
| Pre-tax net operating income | $244,000 | 6,884 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $90,000 | 5,255 |
| Income before extraordinary items | $154,000 | 7,411 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $154,000 | 7,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $348,000 | 2,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $154,000 | 7,229 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $336,000 | 8,450 |
| Total interest expense | $83,000 | 8,633 |
| Net interest income | $253,000 | 8,231 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $47,000 | 7,471 |
| 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 | $14,000 | 7,447 |
| Total noninterest expense | $174,000 | 8,537 |
| Salaries and employee benefits | $103,000 | 8,463 |
| Premises and equipment expense | $15,000 | 8,679 |
| Additional noninterest expense | $56,000 | 8,321 |
| Pre-tax net operating income | $120,000 | 6,900 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $43,000 | 5,304 |
| Income before extraordinary items | $77,000 | 7,360 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $77,000 | 7,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $348,000 | 1,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $77,000 | 7,204 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,465,000 | 8,422 |
| Total interest expense | $419,000 | 8,605 |
| Net interest income | $1,046,000 | 8,198 |
| Provision for loan and lease losses | $24,000 | 7,371 |
| Total noninterest income | $196,000 | 7,354 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $145,000 | 5,892 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $51,000 | 7,577 |
| Total noninterest expense | $691,000 | 8,559 |
| Salaries and employee benefits | $386,000 | 8,559 |
| Premises and equipment expense | $64,000 | 8,690 |
| Additional noninterest expense | $241,000 | 8,237 |
| Pre-tax net operating income | $527,000 | 6,670 |
| Securities gains (losses) | $31,000 | 2,809 |
| Applicable income taxes | $209,000 | 5,050 |
| Income before extraordinary items | $349,000 | 7,073 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $349,000 | 7,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,049 |
| Cash dividends | $287,000 | 4,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $329,160 | 7,074 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,708,000 | 8,520 |
| Total interest expense | $652,000 | 8,718 |
| Net interest income | $1,056,000 | 8,171 |
| Provision for loan and lease losses | $20,000 | 7,552 |
| Total noninterest income | $181,000 | 7,516 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $141,000 | 5,922 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $40,000 | 8,001 |
| Total noninterest expense | $717,000 | 8,641 |
| Salaries and employee benefits | $380,000 | 8,701 |
| Premises and equipment expense | $73,000 | 8,743 |
| Additional noninterest expense | $264,000 | 8,120 |
| Pre-tax net operating income | $500,000 | 6,545 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $208,000 | 4,954 |
| Income before extraordinary items | $292,000 | 7,194 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $292,000 | 7,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,963 |
| Cash dividends | $475,000 | 3,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $292,000 | 7,069 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,847,000 | 8,571 |
| Total interest expense | $706,000 | 8,855 |
| Net interest income | $1,141,000 | 8,206 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $163,000 | 7,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 6,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,376 |
| Total noninterest expense | $726,000 | 8,757 |
| Salaries and employee benefits | $370,000 | 8,904 |
| Premises and equipment expense | $74,000 | 8,912 |
| Additional noninterest expense | $282,000 | 8,088 |
| Pre-tax net operating income | $578,000 | 6,672 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $230,000 | 5,140 |
| Income before extraordinary items | $348,000 | 7,165 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $348,000 | 7,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $336,000 | 4,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $348,000 | 7,160 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 8,734 |
| Total interest expense | $716,000 | 8,912 |
| Net interest income | $1,061,000 | 8,489 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $199,000 | 7,509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 6,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,256 |
| Total noninterest expense | $754,000 | 8,870 |
| Salaries and employee benefits | $364,000 | 9,101 |
| Premises and equipment expense | $73,000 | 9,164 |
| Additional noninterest expense | $317,000 | 7,989 |
| Pre-tax net operating income | $506,000 | 7,116 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $170,000 | 6,037 |
| Income before extraordinary items | $336,000 | 7,365 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $336,000 | 7,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,803 |
| Cash dividends | $520,000 | 3,428 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $336,000 | 7,337 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,810,000 | 8,915 |
| Total interest expense | $753,000 | 9,064 |
| Net interest income | $1,057,000 | 8,666 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $135,000 | 8,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 6,582 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,437 |
| Total noninterest expense | $711,000 | 9,070 |
| Salaries and employee benefits | $346,000 | 9,318 |
| Premises and equipment expense | $73,000 | 9,302 |
| Additional noninterest expense | $292,000 | 8,197 |
| Pre-tax net operating income | $481,000 | 7,474 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $185,000 | 6,353 |
| Income before extraordinary items | $297,000 | 7,916 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $297,000 | 7,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,814 |
| Cash dividends | $288,000 | 4,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $296,360 | 7,837 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,812,000 | 9,258 |
| Total interest expense | $753,000 | 9,398 |
| Net interest income | $1,059,000 | 9,045 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $158,000 | 8,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,900 |
| Total noninterest expense | $753,000 | 9,218 |
| Salaries and employee benefits | $374,000 | 9,423 |
| Premises and equipment expense | $105,000 | 8,851 |
| Additional noninterest expense | $274,000 | 8,594 |
| Pre-tax net operating income | $464,000 | 8,115 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $176,000 | 7,233 |
| Income before extraordinary items | $289,000 | 8,457 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $289,000 | 8,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $350,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $288,360 | 8,423 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,825,000 | 9,616 |
| Total interest expense | $777,000 | 9,714 |
| Net interest income | $1,048,000 | 9,420 |
| Provision for loan and lease losses | $-18,000 | 11,123 |
| Total noninterest income | $216,000 | 8,007 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 10,117 |
| Total noninterest expense | $719,000 | 9,741 |
| Salaries and employee benefits | $384,000 | 9,723 |
| Premises and equipment expense | $115,000 | 8,909 |
| Additional noninterest expense | $220,000 | 9,703 |
| Pre-tax net operating income | $561,000 | 7,621 |
| Securities gains (losses) | $-13,000 | 10,409 |
| Applicable income taxes | $197,000 | 7,178 |
| Income before extraordinary items | $351,000 | 7,994 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $351,000 | 7,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,297 |
| Cash dividends | $204,000 | 5,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $359,320 | 7,871 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,189,000 | 10,993 |
| Total interest expense | $531,000 | 10,913 |
| Net interest income | $658,000 | 10,957 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $161,000 | 9,123 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,173 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,106 |
| Total noninterest expense | $482,000 | 11,094 |
| Salaries and employee benefits | $271,000 | 10,999 |
| Premises and equipment expense | $79,000 | 10,226 |
| Additional noninterest expense | $132,000 | 11,291 |
| Pre-tax net operating income | $337,000 | 9,485 |
| Securities gains (losses) | $-23,000 | 10,647 |
| Applicable income taxes | $109,000 | 9,000 |
| Income before extraordinary items | $205,000 | 9,872 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $205,000 | 9,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 10,354 |
| Cash dividends | $341,000 | 4,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $219,950 | 9,689 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,833,000 | 10,100 |
| Total interest expense | $671,000 | 10,251 |
| Net interest income | $1,162,000 | 9,857 |
| Provision for loan and lease losses | $150,000 | 3,586 |
| Total noninterest income | $216,000 | 8,467 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,695 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 12,250 |
| Total noninterest expense | $758,000 | 10,425 |
| Salaries and employee benefits | $409,000 | 10,210 |
| Premises and equipment expense | $101,000 | 9,993 |
| Additional noninterest expense | $248,000 | 10,547 |
| Pre-tax net operating income | $470,000 | 8,859 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $129,000 | 8,731 |
| Income before extraordinary items | $341,000 | 8,713 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $341,000 | 8,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,738 |
| Cash dividends | $384,000 | 3,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $341,000 | 8,777 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,813,000 | 10,569 |
| Total interest expense | $715,000 | 10,499 |
| Net interest income | $1,098,000 | 10,421 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $207,000 | 9,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $706,000 | 11,129 |
| Salaries and employee benefits | $392,000 | 10,716 |
| Premises and equipment expense | $88,000 | 10,858 |
| Additional noninterest expense | $226,000 | 11,382 |
| Pre-tax net operating income | $539,000 | 8,380 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $154,000 | 8,535 |
| Income before extraordinary items | $385,000 | 8,579 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $385,000 | 8,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 5,721 |
| Cash dividends | $378,000 | 3,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $385,000 | 8,325 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,949,000 | 10,994 |
| Total interest expense | $877,000 | 10,967 |
| Net interest income | $1,072,000 | 10,809 |
| Provision for loan and lease losses | $80,000 | 7,886 |
| Total noninterest income | $256,000 | 8,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 11,840 |
| Total noninterest expense | $684,000 | 11,597 |
| Salaries and employee benefits | $367,000 | 11,261 |
| Premises and equipment expense | $117,000 | 10,138 |
| Additional noninterest expense | $200,000 | 12,237 |
| Pre-tax net operating income | $564,000 | 7,960 |
| Securities gains (losses) | $-4,000 | 13,019 |
| Applicable income taxes | $182,000 | 7,938 |
| Income before extraordinary items | $378,000 | 8,434 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $378,000 | 8,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 7,883 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $380,680 | 8,054 |
* 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.