Home > Citizens Trust Company > Income and Expense
Citizens Trust Company, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,001,000 | 4,400 |
| Total interest expense | $1,077,000 | 3,812 |
| Net interest income | $924,000 | 4,923 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $384,000 | 2,634 |
| Gross Fiduciary activities income | $169,000 | 535 |
| Service charges on deposit accounts | $132,000 | 2,876 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $83,000 | 4,134 |
| Total noninterest expense | $885,000 | 4,485 |
| Salaries and employee benefits | $447,000 | 4,805 |
| Premises and equipment expense | $184,000 | 3,333 |
| Additional noninterest expense | $254,000 | 4,485 |
| Pre-tax net operating income | $408,000 | 3,946 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $62,000 | 3,863 |
| Income before extraordinary items | $346,000 | 3,861 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $346,000 | 3,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $345,000 | 1,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $346,000 | 3,836 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,714,000 | 4,293 |
| Total interest expense | $4,115,000 | 3,524 |
| Net interest income | $3,599,000 | 4,962 |
| Provision for loan and lease losses | $6,000 | 6,686 |
| Total noninterest income | $1,569,000 | 2,623 |
| Gross Fiduciary activities income | $631,000 | 534 |
| Service charges on deposit accounts | $576,000 | 2,771 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $362,000 | 3,932 |
| Total noninterest expense | $3,466,000 | 4,430 |
| Salaries and employee benefits | $1,789,000 | 4,636 |
| Premises and equipment expense | $695,000 | 3,345 |
| Additional noninterest expense | $982,000 | 4,575 |
| Pre-tax net operating income | $1,696,000 | 4,016 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $249,000 | 4,038 |
| Income before extraordinary items | $1,447,000 | 3,849 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,447,000 | 3,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,465 |
| Cash dividends | $836,000 | 2,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,447,000 | 3,828 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,690,000 | 4,325 |
| Total interest expense | $3,020,000 | 3,496 |
| Net interest income | $2,670,000 | 5,045 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,169,000 | 2,638 |
| Gross Fiduciary activities income | $464,000 | 536 |
| Service charges on deposit accounts | $434,000 | 2,781 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $271,000 | 3,940 |
| Total noninterest expense | $2,607,000 | 4,403 |
| Salaries and employee benefits | $1,338,000 | 4,618 |
| Premises and equipment expense | $533,000 | 3,296 |
| Additional noninterest expense | $736,000 | 4,550 |
| Pre-tax net operating income | $1,232,000 | 4,234 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $166,000 | 4,369 |
| Income before extraordinary items | $1,066,000 | 4,015 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,066,000 | 4,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,608 |
| Cash dividends | $613,000 | 2,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,066,000 | 4,007 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,702,000 | 4,336 |
| Total interest expense | $1,954,000 | 3,450 |
| Net interest income | $1,748,000 | 5,115 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $770,000 | 2,663 |
| Gross Fiduciary activities income | $300,000 | 552 |
| Service charges on deposit accounts | $286,000 | 2,761 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $184,000 | 3,900 |
| Total noninterest expense | $1,767,000 | 4,361 |
| Salaries and employee benefits | $904,000 | 4,607 |
| Premises and equipment expense | $360,000 | 3,253 |
| Additional noninterest expense | $503,000 | 4,474 |
| Pre-tax net operating income | $751,000 | 4,466 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $81,000 | 4,767 |
| Income before extraordinary items | $670,000 | 4,180 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $670,000 | 4,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,225 |
| Cash dividends | $409,000 | 2,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $670,000 | 4,172 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,794,000 | 4,388 |
| Total interest expense | $943,000 | 3,405 |
| Net interest income | $851,000 | 5,218 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $386,000 | 2,605 |
| Gross Fiduciary activities income | $153,000 | 554 |
| Service charges on deposit accounts | $136,000 | 2,805 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,775 |
| Total noninterest expense | $899,000 | 4,322 |
| Salaries and employee benefits | $460,000 | 4,561 |
| Premises and equipment expense | $181,000 | 3,256 |
| Additional noninterest expense | $258,000 | 4,373 |
| Pre-tax net operating income | $338,000 | 4,667 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $27,000 | 5,120 |
| Income before extraordinary items | $311,000 | 4,328 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $311,000 | 4,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,099 |
| Cash dividends | $204,000 | 2,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $311,000 | 4,317 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,225,000 | 4,051 |
| Total interest expense | $3,626,000 | 2,856 |
| Net interest income | $3,599,000 | 4,935 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,505,000 | 2,687 |
| Gross Fiduciary activities income | $580,000 | 551 |
| Service charges on deposit accounts | $552,000 | 2,833 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $373,000 | 3,894 |
| Total noninterest expense | $3,416,000 | 4,371 |
| Salaries and employee benefits | $1,673,000 | 4,717 |
| Premises and equipment expense | $760,000 | 3,026 |
| Additional noninterest expense | $983,000 | 4,475 |
| Pre-tax net operating income | $1,688,000 | 4,108 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $223,000 | 4,520 |
| Income before extraordinary items | $1,465,000 | 3,839 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,465,000 | 3,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,650 |
| Cash dividends | $790,000 | 2,866 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,465,000 | 3,810 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,380,000 | 4,029 |
| Total interest expense | $2,682,000 | 2,774 |
| Net interest income | $2,698,000 | 4,961 |
| Provision for loan and lease losses | $24,000 | 6,042 |
| Total noninterest income | $1,144,000 | 2,670 |
| Gross Fiduciary activities income | $445,000 | 531 |
| Service charges on deposit accounts | $407,000 | 2,879 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $292,000 | 3,848 |
| Total noninterest expense | $2,590,000 | 4,300 |
| Salaries and employee benefits | $1,280,000 | 4,621 |
| Premises and equipment expense | $578,000 | 2,976 |
| Additional noninterest expense | $732,000 | 4,489 |
| Pre-tax net operating income | $1,228,000 | 4,252 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $156,000 | 4,768 |
| Income before extraordinary items | $1,072,000 | 3,978 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,072,000 | 3,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,089 |
| Cash dividends | $586,000 | 2,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,072,000 | 3,930 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,525,000 | 4,017 |
| Total interest expense | $1,765,000 | 2,668 |
| Net interest income | $1,760,000 | 5,009 |
| Provision for loan and lease losses | $24,000 | 5,514 |
| Total noninterest income | $772,000 | 2,603 |
| Gross Fiduciary activities income | $296,000 | 540 |
| Service charges on deposit accounts | $264,000 | 2,889 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $212,000 | 3,664 |
| Total noninterest expense | $1,741,000 | 4,252 |
| Salaries and employee benefits | $862,000 | 4,556 |
| Premises and equipment expense | $381,000 | 2,981 |
| Additional noninterest expense | $498,000 | 4,387 |
| Pre-tax net operating income | $767,000 | 4,379 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $87,000 | 4,992 |
| Income before extraordinary items | $680,000 | 4,076 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $680,000 | 4,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,314 |
| Cash dividends | $390,000 | 2,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $680,000 | 4,018 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,739,000 | 4,029 |
| Total interest expense | $875,000 | 2,598 |
| Net interest income | $864,000 | 5,091 |
| Provision for loan and lease losses | $12,000 | 5,254 |
| Total noninterest income | $395,000 | 2,509 |
| Gross Fiduciary activities income | $142,000 | 563 |
| Service charges on deposit accounts | $124,000 | 2,965 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $129,000 | 3,269 |
| Total noninterest expense | $874,000 | 4,260 |
| Salaries and employee benefits | $431,000 | 4,586 |
| Premises and equipment expense | $193,000 | 2,966 |
| Additional noninterest expense | $250,000 | 4,364 |
| Pre-tax net operating income | $373,000 | 4,457 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $40,000 | 5,043 |
| Income before extraordinary items | $333,000 | 4,083 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $333,000 | 4,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $195,000 | 2,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $333,000 | 4,044 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,314,000 | 3,686 |
| Total interest expense | $3,371,000 | 2,381 |
| Net interest income | $3,943,000 | 4,525 |
| Provision for loan and lease losses | $144,000 | 4,341 |
| Total noninterest income | $1,344,000 | 2,893 |
| Gross Fiduciary activities income | $553,000 | 537 |
| Service charges on deposit accounts | $568,000 | 2,835 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $223,000 | 4,886 |
| Total noninterest expense | $3,447,000 | 4,234 |
| Salaries and employee benefits | $1,701,000 | 4,520 |
| Premises and equipment expense | $762,000 | 2,913 |
| Additional noninterest expense | $984,000 | 4,405 |
| Pre-tax net operating income | $1,696,000 | 3,936 |
| Securities gains (losses) | $57,000 | 1,637 |
| Applicable income taxes | $222,000 | 4,620 |
| Income before extraordinary items | $1,531,000 | 3,583 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,531,000 | 3,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,385 |
| Cash dividends | $769,000 | 2,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,481,410 | 3,615 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,530,000 | 3,625 |
| Total interest expense | $2,502,000 | 2,363 |
| Net interest income | $3,028,000 | 4,439 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $989,000 | 2,951 |
| Gross Fiduciary activities income | $414,000 | 538 |
| Service charges on deposit accounts | $436,000 | 2,792 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $139,000 | 5,282 |
| Total noninterest expense | $2,563,000 | 4,228 |
| Salaries and employee benefits | $1,229,000 | 4,608 |
| Premises and equipment expense | $588,000 | 2,830 |
| Additional noninterest expense | $746,000 | 4,308 |
| Pre-tax net operating income | $1,364,000 | 3,826 |
| Securities gains (losses) | $57,000 | 1,564 |
| Applicable income taxes | $238,000 | 4,166 |
| Income before extraordinary items | $1,183,000 | 3,579 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,183,000 | 3,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,778 |
| Cash dividends | $574,000 | 2,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,135,690 | 3,613 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,711,000 | 3,593 |
| Total interest expense | $1,651,000 | 2,349 |
| Net interest income | $2,060,000 | 4,384 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $625,000 | 3,085 |
| Gross Fiduciary activities income | $263,000 | 556 |
| Service charges on deposit accounts | $281,000 | 2,861 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $81,000 | 5,579 |
| Total noninterest expense | $1,724,000 | 4,219 |
| Salaries and employee benefits | $824,000 | 4,611 |
| Premises and equipment expense | $393,000 | 2,828 |
| Additional noninterest expense | $507,000 | 4,272 |
| Pre-tax net operating income | $901,000 | 3,802 |
| Securities gains (losses) | $27,000 | 1,860 |
| Applicable income taxes | $156,000 | 4,181 |
| Income before extraordinary items | $772,000 | 3,617 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $772,000 | 3,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $378,000 | 2,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $749,590 | 3,607 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,866,000 | 3,578 |
| Total interest expense | $824,000 | 2,379 |
| Net interest income | $1,042,000 | 4,359 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $302,000 | 3,094 |
| Gross Fiduciary activities income | $126,000 | 574 |
| Service charges on deposit accounts | $136,000 | 2,882 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $40,000 | 5,560 |
| Total noninterest expense | $872,000 | 4,187 |
| Salaries and employee benefits | $415,000 | 4,610 |
| Premises and equipment expense | $200,000 | 2,811 |
| Additional noninterest expense | $257,000 | 4,226 |
| Pre-tax net operating income | $442,000 | 3,827 |
| Securities gains (losses) | $27,000 | 1,550 |
| Applicable income taxes | $78,000 | 4,184 |
| Income before extraordinary items | $391,000 | 3,569 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $391,000 | 3,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $189,000 | 2,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $368,590 | 3,607 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,413,000 | 3,637 |
| Total interest expense | $3,462,000 | 2,513 |
| Net interest income | $3,951,000 | 4,402 |
| Provision for loan and lease losses | $100,000 | 5,309 |
| Total noninterest income | $1,054,000 | 3,608 |
| Gross Fiduciary activities income | $459,000 | 592 |
| Service charges on deposit accounts | $433,000 | 3,471 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $162,000 | 5,688 |
| Total noninterest expense | $3,104,000 | 4,502 |
| Salaries and employee benefits | $1,345,000 | 5,223 |
| Premises and equipment expense | $833,000 | 2,657 |
| Additional noninterest expense | $926,000 | 4,528 |
| Pre-tax net operating income | $1,801,000 | 3,632 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $335,000 | 4,114 |
| Income before extraordinary items | $1,466,000 | 3,617 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,466,000 | 3,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,704 |
| Cash dividends | $778,000 | 2,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,466,000 | 3,462 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,542,000 | 3,693 |
| Total interest expense | $2,614,000 | 2,592 |
| Net interest income | $2,928,000 | 4,460 |
| Provision for loan and lease losses | $97,000 | 4,715 |
| Total noninterest income | $782,000 | 3,698 |
| Gross Fiduciary activities income | $350,000 | 587 |
| Service charges on deposit accounts | $312,000 | 3,579 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $120,000 | 5,740 |
| Total noninterest expense | $2,322,000 | 4,499 |
| Salaries and employee benefits | $1,006,000 | 5,227 |
| Premises and equipment expense | $621,000 | 2,690 |
| Additional noninterest expense | $695,000 | 4,490 |
| Pre-tax net operating income | $1,291,000 | 3,872 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $217,000 | 4,522 |
| Income before extraordinary items | $1,074,000 | 3,816 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,074,000 | 3,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,943 |
| Cash dividends | $589,000 | 2,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,074,000 | 3,643 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,743,000 | 3,687 |
| Total interest expense | $1,762,000 | 2,631 |
| Net interest income | $1,981,000 | 4,427 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $497,000 | 3,754 |
| Gross Fiduciary activities income | $218,000 | 612 |
| Service charges on deposit accounts | $201,000 | 3,607 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $78,000 | 5,763 |
| Total noninterest expense | $1,548,000 | 4,482 |
| Salaries and employee benefits | $674,000 | 5,218 |
| Premises and equipment expense | $418,000 | 2,668 |
| Additional noninterest expense | $456,000 | 4,553 |
| Pre-tax net operating income | $870,000 | 3,840 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $139,000 | 4,626 |
| Income before extraordinary items | $731,000 | 3,747 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $731,000 | 3,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $400,000 | 2,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $731,000 | 3,546 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,903,000 | 3,676 |
| Total interest expense | $887,000 | 2,673 |
| Net interest income | $1,016,000 | 4,352 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $241,000 | 3,723 |
| Gross Fiduciary activities income | $105,000 | 632 |
| Service charges on deposit accounts | $95,000 | 3,670 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 5,651 |
| Total noninterest expense | $772,000 | 4,474 |
| Salaries and employee benefits | $335,000 | 5,248 |
| Premises and equipment expense | $211,000 | 2,633 |
| Additional noninterest expense | $226,000 | 4,556 |
| Pre-tax net operating income | $455,000 | 3,722 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $77,000 | 4,426 |
| Income before extraordinary items | $378,000 | 3,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $378,000 | 3,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $198,000 | 2,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $378,000 | 3,441 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,412,000 | 3,493 |
| Total interest expense | $3,898,000 | 2,815 |
| Net interest income | $4,514,000 | 3,980 |
| Provision for loan and lease losses | $84,000 | 5,998 |
| Total noninterest income | $1,023,000 | 3,435 |
| Gross Fiduciary activities income | $430,000 | 622 |
| Service charges on deposit accounts | $376,000 | 3,682 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $217,000 | 4,851 |
| Total noninterest expense | $3,671,000 | 3,801 |
| Salaries and employee benefits | $1,788,000 | 4,112 |
| Premises and equipment expense | $841,000 | 2,566 |
| Additional noninterest expense | $1,042,000 | 4,043 |
| Pre-tax net operating income | $1,782,000 | 3,681 |
| Securities gains (losses) | $-4,000 | 8,797 |
| Applicable income taxes | $326,000 | 4,296 |
| Income before extraordinary items | $1,452,000 | 3,581 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,452,000 | 3,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,742 |
| Cash dividends | $561,000 | 3,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,455,280 | 3,475 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,132,000 | 3,594 |
| Total interest expense | $4,615,000 | 3,378 |
| Net interest income | $4,517,000 | 3,752 |
| Provision for loan and lease losses | $-414,000 | 9,574 |
| Total noninterest income | $1,046,000 | 3,237 |
| Gross Fiduciary activities income | $457,000 | 621 |
| Service charges on deposit accounts | $370,000 | 3,606 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $219,000 | 4,749 |
| Total noninterest expense | $3,410,000 | 3,911 |
| Salaries and employee benefits | $1,679,000 | 4,139 |
| Premises and equipment expense | $836,000 | 2,518 |
| Additional noninterest expense | $895,000 | 4,428 |
| Pre-tax net operating income | $2,567,000 | 2,612 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $597,000 | 2,980 |
| Income before extraordinary items | $1,971,000 | 2,570 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,971,000 | 2,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $690,000 | 2,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,970,230 | 2,488 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,996,000 | 3,721 |
| Total interest expense | $4,516,000 | 3,617 |
| Net interest income | $4,480,000 | 3,810 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $926,000 | 3,320 |
| Gross Fiduciary activities income | $471,000 | 619 |
| Service charges on deposit accounts | $291,000 | 4,144 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $164,000 | 5,264 |
| Total noninterest expense | $3,166,000 | 4,051 |
| Salaries and employee benefits | $1,610,000 | 4,130 |
| Premises and equipment expense | $725,000 | 2,794 |
| Additional noninterest expense | $831,000 | 4,612 |
| Pre-tax net operating income | $2,180,000 | 3,109 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $470,000 | 3,618 |
| Income before extraordinary items | $1,710,000 | 2,919 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,710,000 | 2,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,278 |
| Cash dividends | $628,000 | 3,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,710,000 | 2,906 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,922,000 | 3,938 |
| Total interest expense | $4,042,000 | 3,558 |
| Net interest income | $3,880,000 | 4,294 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $853,000 | 3,464 |
| Gross Fiduciary activities income | $463,000 | 661 |
| Service charges on deposit accounts | $246,000 | 4,569 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $144,000 | 5,700 |
| Total noninterest expense | $2,888,000 | 4,337 |
| Salaries and employee benefits | $1,508,000 | 4,316 |
| Premises and equipment expense | $667,000 | 2,983 |
| Additional noninterest expense | $713,000 | 5,179 |
| Pre-tax net operating income | $1,785,000 | 3,639 |
| Securities gains (losses) | $18,000 | 1,449 |
| Applicable income taxes | $373,000 | 4,343 |
| Income before extraordinary items | $1,430,000 | 3,366 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,430,000 | 3,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,834 |
| Cash dividends | $595,000 | 3,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,415,780 | 3,353 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,553,000 | 4,136 |
| Total interest expense | $3,938,000 | 3,744 |
| Net interest income | $3,615,000 | 4,461 |
| Provision for loan and lease losses | $72,000 | 5,801 |
| Total noninterest income | $753,000 | 3,775 |
| Gross Fiduciary activities income | $424,000 | 691 |
| Service charges on deposit accounts | $216,000 | 4,927 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $113,000 | 6,342 |
| Total noninterest expense | $2,687,000 | 4,519 |
| Salaries and employee benefits | $1,431,000 | 4,414 |
| Premises and equipment expense | $423,000 | 4,229 |
| Additional noninterest expense | $833,000 | 4,549 |
| Pre-tax net operating income | $1,609,000 | 3,973 |
| Securities gains (losses) | $121,000 | 1,167 |
| Applicable income taxes | $390,000 | 4,495 |
| Income before extraordinary items | $1,340,000 | 3,582 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,340,000 | 3,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,908 |
| Cash dividends | $583,000 | 3,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,246,830 | 3,724 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,158,000 | 4,417 |
| Total interest expense | $3,691,000 | 3,955 |
| Net interest income | $3,467,000 | 4,769 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $749,000 | 3,766 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 4,940 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $521,000 | 2,737 |
| Total noninterest expense | $2,228,000 | 5,246 |
| Salaries and employee benefits | $1,253,000 | 4,921 |
| Premises and equipment expense | $382,000 | 4,605 |
| Additional noninterest expense | $593,000 | 5,856 |
| Pre-tax net operating income | $1,918,000 | 3,680 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $432,000 | 4,648 |
| Income before extraordinary items | $1,486,000 | 3,392 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,486,000 | 3,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $552,000 | 3,248 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,486,000 | 3,317 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,409,000 | 4,923 |
| Total interest expense | $3,162,000 | 4,559 |
| Net interest income | $3,247,000 | 5,134 |
| Provision for loan and lease losses | $70,000 | 5,840 |
| Total noninterest income | $649,000 | 4,325 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 5,270 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $432,000 | 3,231 |
| Total noninterest expense | $2,001,000 | 5,951 |
| Salaries and employee benefits | $1,106,000 | 5,564 |
| Premises and equipment expense | $369,000 | 4,844 |
| Additional noninterest expense | $526,000 | 6,867 |
| Pre-tax net operating income | $1,825,000 | 3,664 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $419,000 | 4,747 |
| Income before extraordinary items | $1,407,000 | 3,393 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,407,000 | 3,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $631,000 | 2,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,406,230 | 3,352 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,717,000 | 5,423 |
| Total interest expense | $2,697,000 | 5,233 |
| Net interest income | $3,020,000 | 5,467 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $512,000 | 5,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,864 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $322,000 | 3,841 |
| Total noninterest expense | $1,983,000 | 6,023 |
| Salaries and employee benefits | $1,006,000 | 6,040 |
| Premises and equipment expense | $421,000 | 4,333 |
| Additional noninterest expense | $556,000 | 6,806 |
| Pre-tax net operating income | $1,479,000 | 4,509 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $310,000 | 5,878 |
| Income before extraordinary items | $1,173,000 | 4,039 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,173,000 | 4,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,925 |
| Cash dividends | $470,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,169,840 | 4,031 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,249,000 | 5,443 |
| Total interest expense | $2,380,000 | 4,844 |
| Net interest income | $2,869,000 | 5,798 |
| Provision for loan and lease losses | $70,000 | 5,310 |
| Total noninterest income | $478,000 | 5,463 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 6,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,225 |
| Total noninterest expense | $1,911,000 | 6,425 |
| Salaries and employee benefits | $930,000 | 6,464 |
| Premises and equipment expense | $414,000 | 4,450 |
| Additional noninterest expense | $567,000 | 7,281 |
| Pre-tax net operating income | $1,366,000 | 4,749 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $257,000 | 6,426 |
| Income before extraordinary items | $1,109,000 | 4,140 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,109,000 | 4,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $378,000 | 3,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,109,000 | 4,185 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,405,000 | 5,413 |
| Total interest expense | $2,565,000 | 4,699 |
| Net interest income | $2,840,000 | 5,905 |
| Provision for loan and lease losses | $77,000 | 6,405 |
| Total noninterest income | $477,000 | 5,778 |
| 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 | $283,000 | 4,630 |
| Total noninterest expense | $1,864,000 | 6,712 |
| Salaries and employee benefits | $874,000 | 6,871 |
| Premises and equipment expense | $407,000 | 4,650 |
| Additional noninterest expense | $583,000 | 7,491 |
| Pre-tax net operating income | $1,376,000 | 4,653 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $277,000 | 6,387 |
| Income before extraordinary items | $1,104,000 | 4,309 |
| Extraordinary gains, net | $50,000 | 2,172 |
| Net income | $1,154,000 | 4,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $334,000 | 4,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,100,000 | 4,098 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,624,000 | 5,793 |
| Total interest expense | $2,841,000 | 5,402 |
| Net interest income | $2,783,000 | 6,075 |
| Provision for loan and lease losses | $66,000 | 8,365 |
| Total noninterest income | $503,000 | 5,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 6,110 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $309,000 | 4,344 |
| Total noninterest expense | $1,781,000 | 7,004 |
| Salaries and employee benefits | $821,000 | 7,128 |
| Premises and equipment expense | $394,000 | 4,854 |
| Additional noninterest expense | $566,000 | 7,804 |
| Pre-tax net operating income | $1,439,000 | 4,204 |
| Securities gains (losses) | $29,000 | 5,046 |
| Applicable income taxes | $387,000 | 4,916 |
| Income before extraordinary items | $1,081,000 | 4,195 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,081,000 | 4,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $290,000 | 4,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,059,540 | 3,966 |
* 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.