Home > Citrus and Chemical Bank > Income and Expense
Citrus and Chemical Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $40,734,000 | 759 |
| Total interest expense | $19,326,000 | 759 |
| Net interest income | $21,408,000 | 776 |
| Provision for loan and lease losses | $810,000 | 1,076 |
| Total noninterest income | $6,333,000 | 706 |
| Gross Fiduciary activities income | $667,000 | 442 |
| Service charges on deposit accounts | $2,650,000 | 482 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,016,000 | 823 |
| Total noninterest expense | $18,753,000 | 738 |
| Salaries and employee benefits | $10,347,000 | 699 |
| Premises and equipment expense | $2,760,000 | 719 |
| Additional noninterest expense | $5,646,000 | 754 |
| Pre-tax net operating income | $8,178,000 | 852 |
| Securities gains (losses) | $438,000 | 254 |
| Applicable income taxes | $2,401,000 | 821 |
| Income before extraordinary items | $6,215,000 | 842 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,215,000 | 840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 2,041 |
| Cash dividends | $1,200,000 | 1,769 |
| Sale, conversion, retirement of capital stock, net | $232,000 | 561 |
| Net operating income | $5,899,640 | 876 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $26,667,000 | 788 |
| Total interest expense | $12,590,000 | 786 |
| Net interest income | $14,077,000 | 805 |
| Provision for loan and lease losses | $540,000 | 962 |
| Total noninterest income | $4,428,000 | 698 |
| Gross Fiduciary activities income | $462,000 | 443 |
| Service charges on deposit accounts | $1,750,000 | 493 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,216,000 | 789 |
| Total noninterest expense | $11,898,000 | 785 |
| Salaries and employee benefits | $6,892,000 | 719 |
| Premises and equipment expense | $1,869,000 | 733 |
| Additional noninterest expense | $3,137,000 | 893 |
| Pre-tax net operating income | $6,067,000 | 790 |
| Securities gains (losses) | $8,000 | 912 |
| Applicable income taxes | $1,640,000 | 854 |
| Income before extraordinary items | $4,435,000 | 820 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,435,000 | 819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,277 |
| Cash dividends | $800,000 | 1,799 |
| Sale, conversion, retirement of capital stock, net | $135,000 | 536 |
| Net operating income | $4,429,160 | 809 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $13,325,000 | 770 |
| Total interest expense | $6,352,000 | 765 |
| Net interest income | $6,973,000 | 801 |
| Provision for loan and lease losses | $270,000 | 898 |
| Total noninterest income | $1,882,000 | 797 |
| Gross Fiduciary activities income | $196,000 | 486 |
| Service charges on deposit accounts | $859,000 | 489 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $827,000 | 975 |
| Total noninterest expense | $5,931,000 | 789 |
| Salaries and employee benefits | $3,463,000 | 726 |
| Premises and equipment expense | $944,000 | 719 |
| Additional noninterest expense | $1,524,000 | 895 |
| Pre-tax net operating income | $2,654,000 | 888 |
| Securities gains (losses) | $4,000 | 855 |
| Applicable income taxes | $798,000 | 865 |
| Income before extraordinary items | $1,860,000 | 947 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,860,000 | 946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 1,264 |
| Cash dividends | $400,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 421 |
| Net operating income | $1,857,200 | 936 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $49,706,000 | 773 |
| Total interest expense | $21,208,000 | 794 |
| Net interest income | $28,498,000 | 779 |
| Provision for loan and lease losses | $1,025,000 | 1,022 |
| Total noninterest income | $8,045,000 | 733 |
| Gross Fiduciary activities income | $731,000 | 490 |
| Service charges on deposit accounts | $3,813,000 | 453 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,501,000 | 894 |
| Total noninterest expense | $23,521,000 | 750 |
| Salaries and employee benefits | $13,502,000 | 690 |
| Premises and equipment expense | $3,599,000 | 714 |
| Additional noninterest expense | $6,420,000 | 836 |
| Pre-tax net operating income | $11,997,000 | 829 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $3,635,000 | 812 |
| Income before extraordinary items | $8,363,000 | 903 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,363,000 | 903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $471,000 | 1,228 |
| Cash dividends | $1,600,000 | 1,838 |
| Sale, conversion, retirement of capital stock, net | $170,000 | 789 |
| Net operating income | $8,362,300 | 889 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $36,445,000 | 785 |
| Total interest expense | $14,717,000 | 838 |
| Net interest income | $21,728,000 | 783 |
| Provision for loan and lease losses | $720,000 | 1,024 |
| Total noninterest income | $6,081,000 | 750 |
| Gross Fiduciary activities income | $549,000 | 486 |
| Service charges on deposit accounts | $2,860,000 | 458 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,672,000 | 899 |
| Total noninterest expense | $17,612,000 | 761 |
| Salaries and employee benefits | $10,262,000 | 692 |
| Premises and equipment expense | $2,570,000 | 753 |
| Additional noninterest expense | $4,780,000 | 848 |
| Pre-tax net operating income | $9,477,000 | 816 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,875,000 | 818 |
| Income before extraordinary items | $6,602,000 | 888 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,602,000 | 887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,127 |
| Cash dividends | $800,000 | 2,242 |
| Sale, conversion, retirement of capital stock, net | $257,000 | 549 |
| Net operating income | $6,602,000 | 874 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $23,515,000 | 794 |
| Total interest expense | $8,891,000 | 867 |
| Net interest income | $14,624,000 | 771 |
| Provision for loan and lease losses | $450,000 | 1,060 |
| Total noninterest income | $4,092,000 | 741 |
| Gross Fiduciary activities income | $351,000 | 502 |
| Service charges on deposit accounts | $1,888,000 | 459 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,853,000 | 873 |
| Total noninterest expense | $11,823,000 | 758 |
| Salaries and employee benefits | $6,927,000 | 691 |
| Premises and equipment expense | $1,706,000 | 759 |
| Additional noninterest expense | $3,190,000 | 848 |
| Pre-tax net operating income | $6,443,000 | 808 |
| Securities gains (losses) | $1,000 | 1,053 |
| Applicable income taxes | $1,959,000 | 807 |
| Income before extraordinary items | $4,485,000 | 869 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,485,000 | 869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 1,461 |
| Cash dividends | $400,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $171,000 | 453 |
| Net operating income | $4,484,300 | 851 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $11,220,000 | 813 |
| Total interest expense | $3,969,000 | 922 |
| Net interest income | $7,251,000 | 777 |
| Provision for loan and lease losses | $180,000 | 1,225 |
| Total noninterest income | $2,023,000 | 734 |
| Gross Fiduciary activities income | $162,000 | 532 |
| Service charges on deposit accounts | $914,000 | 454 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $947,000 | 840 |
| Total noninterest expense | $5,863,000 | 766 |
| Salaries and employee benefits | $3,443,000 | 694 |
| Premises and equipment expense | $855,000 | 756 |
| Additional noninterest expense | $1,565,000 | 852 |
| Pre-tax net operating income | $3,231,000 | 804 |
| Securities gains (losses) | $1,000 | 856 |
| Applicable income taxes | $973,000 | 801 |
| Income before extraordinary items | $2,259,000 | 841 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,259,000 | 840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 1,866 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,258,300 | 827 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $38,125,000 | 855 |
| Total interest expense | $11,804,000 | 946 |
| Net interest income | $26,321,000 | 805 |
| Provision for loan and lease losses | $590,000 | 1,666 |
| Total noninterest income | $7,757,000 | 749 |
| Gross Fiduciary activities income | $686,000 | 496 |
| Service charges on deposit accounts | $4,085,000 | 414 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,986,000 | 1,015 |
| Total noninterest expense | $21,858,000 | 780 |
| Salaries and employee benefits | $12,466,000 | 718 |
| Premises and equipment expense | $3,134,000 | 772 |
| Additional noninterest expense | $6,258,000 | 831 |
| Pre-tax net operating income | $11,630,000 | 846 |
| Securities gains (losses) | $-227,000 | 8,603 |
| Applicable income taxes | $3,524,000 | 854 |
| Income before extraordinary items | $7,879,000 | 918 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,879,000 | 918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,232 |
| Cash dividends | $1,150,000 | 2,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,035,630 | 879 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $27,610,000 | 861 |
| Total interest expense | $8,277,000 | 954 |
| Net interest income | $19,333,000 | 821 |
| Provision for loan and lease losses | $410,000 | 1,683 |
| Total noninterest income | $5,792,000 | 763 |
| Gross Fiduciary activities income | $520,000 | 485 |
| Service charges on deposit accounts | $3,048,000 | 418 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,224,000 | 1,037 |
| Total noninterest expense | $16,379,000 | 773 |
| Salaries and employee benefits | $9,354,000 | 713 |
| Premises and equipment expense | $2,355,000 | 765 |
| Additional noninterest expense | $4,670,000 | 817 |
| Pre-tax net operating income | $8,336,000 | 886 |
| Securities gains (losses) | $31,000 | 1,052 |
| Applicable income taxes | $2,585,000 | 876 |
| Income before extraordinary items | $5,782,000 | 935 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,782,000 | 936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 1,892 |
| Cash dividends | $650,000 | 2,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,760,610 | 922 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $17,893,000 | 868 |
| Total interest expense | $5,200,000 | 945 |
| Net interest income | $12,693,000 | 827 |
| Provision for loan and lease losses | $260,000 | 1,721 |
| Total noninterest income | $3,762,000 | 760 |
| Gross Fiduciary activities income | $344,000 | 486 |
| Service charges on deposit accounts | $1,973,000 | 421 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,445,000 | 1,031 |
| Total noninterest expense | $10,981,000 | 761 |
| Salaries and employee benefits | $6,160,000 | 721 |
| Premises and equipment expense | $1,543,000 | 774 |
| Additional noninterest expense | $3,278,000 | 789 |
| Pre-tax net operating income | $5,214,000 | 912 |
| Securities gains (losses) | $24,000 | 1,040 |
| Applicable income taxes | $1,627,000 | 894 |
| Income before extraordinary items | $3,611,000 | 961 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,611,000 | 961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,193 |
| Cash dividends | $250,000 | 3,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,594,440 | 945 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,653,000 | 881 |
| Total interest expense | $2,437,000 | 965 |
| Net interest income | $6,216,000 | 836 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $1,763,000 | 794 |
| Gross Fiduciary activities income | $167,000 | 503 |
| Service charges on deposit accounts | $929,000 | 430 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $667,000 | 1,081 |
| Total noninterest expense | $5,326,000 | 777 |
| Salaries and employee benefits | $2,997,000 | 739 |
| Premises and equipment expense | $784,000 | 767 |
| Additional noninterest expense | $1,545,000 | 811 |
| Pre-tax net operating income | $2,533,000 | 927 |
| Securities gains (losses) | $9,000 | 1,042 |
| Applicable income taxes | $790,000 | 918 |
| Income before extraordinary items | $1,752,000 | 990 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,752,000 | 991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,501 |
| Cash dividends | $250,000 | 1,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,745,790 | 975 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $30,769,000 | 909 |
| Total interest expense | $8,810,000 | 924 |
| Net interest income | $21,959,000 | 895 |
| Provision for loan and lease losses | $432,000 | 2,227 |
| Total noninterest income | $7,086,000 | 795 |
| Gross Fiduciary activities income | $569,000 | 523 |
| Service charges on deposit accounts | $4,159,000 | 425 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,358,000 | 1,176 |
| Total noninterest expense | $20,487,000 | 788 |
| Salaries and employee benefits | $11,609,000 | 728 |
| Premises and equipment expense | $3,137,000 | 734 |
| Additional noninterest expense | $5,741,000 | 875 |
| Pre-tax net operating income | $8,126,000 | 1,081 |
| Securities gains (losses) | $275,000 | 675 |
| Applicable income taxes | $2,622,000 | 1,007 |
| Income before extraordinary items | $5,779,000 | 1,130 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,779,000 | 1,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,754 |
| Cash dividends | $1,000,000 | 2,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,589,250 | 1,138 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,523,000 | 922 |
| Total interest expense | $6,542,000 | 909 |
| Net interest income | $15,981,000 | 926 |
| Provision for loan and lease losses | $370,000 | 1,896 |
| Total noninterest income | $5,238,000 | 818 |
| Gross Fiduciary activities income | $426,000 | 527 |
| Service charges on deposit accounts | $3,202,000 | 415 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,610,000 | 1,262 |
| Total noninterest expense | $15,017,000 | 795 |
| Salaries and employee benefits | $8,540,000 | 745 |
| Premises and equipment expense | $2,352,000 | 733 |
| Additional noninterest expense | $4,125,000 | 896 |
| Pre-tax net operating income | $5,832,000 | 1,133 |
| Securities gains (losses) | $184,000 | 801 |
| Applicable income taxes | $1,872,000 | 1,074 |
| Income before extraordinary items | $4,144,000 | 1,190 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,144,000 | 1,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,071 |
| Cash dividends | $200,000 | 3,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,017,040 | 1,192 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,727,000 | 927 |
| Total interest expense | $4,302,000 | 913 |
| Net interest income | $10,425,000 | 933 |
| Provision for loan and lease losses | $270,000 | 1,719 |
| Total noninterest income | $3,470,000 | 820 |
| Gross Fiduciary activities income | $288,000 | 524 |
| Service charges on deposit accounts | $2,149,000 | 406 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,033,000 | 1,290 |
| Total noninterest expense | $9,996,000 | 803 |
| Salaries and employee benefits | $5,702,000 | 739 |
| Premises and equipment expense | $1,494,000 | 763 |
| Additional noninterest expense | $2,800,000 | 886 |
| Pre-tax net operating income | $3,629,000 | 1,182 |
| Securities gains (losses) | $141,000 | 819 |
| Applicable income taxes | $1,155,000 | 1,146 |
| Income before extraordinary items | $2,615,000 | 1,245 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,615,000 | 1,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,165 |
| Cash dividends | $200,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,517,710 | 1,250 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,293,000 | 945 |
| Total interest expense | $2,092,000 | 958 |
| Net interest income | $5,201,000 | 947 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $1,655,000 | 836 |
| Gross Fiduciary activities income | $129,000 | 567 |
| Service charges on deposit accounts | $1,057,000 | 406 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $469,000 | 1,358 |
| Total noninterest expense | $4,944,000 | 822 |
| Salaries and employee benefits | $2,847,000 | 752 |
| Premises and equipment expense | $735,000 | 790 |
| Additional noninterest expense | $1,362,000 | 908 |
| Pre-tax net operating income | $1,762,000 | 1,195 |
| Securities gains (losses) | $15,000 | 1,841 |
| Applicable income taxes | $535,000 | 1,234 |
| Income before extraordinary items | $1,242,000 | 1,303 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,242,000 | 1,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 1,853 |
| Cash dividends | $200,000 | 2,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,231,500 | 1,248 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $29,209,000 | 963 |
| Total interest expense | $9,425,000 | 953 |
| Net interest income | $19,784,000 | 973 |
| Provision for loan and lease losses | $421,000 | 2,475 |
| Total noninterest income | $6,818,000 | 880 |
| Gross Fiduciary activities income | $323,000 | 682 |
| Service charges on deposit accounts | $4,375,000 | 397 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,120,000 | 1,417 |
| Total noninterest expense | $18,506,000 | 872 |
| Salaries and employee benefits | $10,408,000 | 815 |
| Premises and equipment expense | $2,866,000 | 785 |
| Additional noninterest expense | $5,232,000 | 974 |
| Pre-tax net operating income | $7,675,000 | 1,098 |
| Securities gains (losses) | $465,000 | 791 |
| Applicable income taxes | $2,524,000 | 1,071 |
| Income before extraordinary items | $5,616,000 | 1,140 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,616,000 | 1,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $336,000 | 2,107 |
| Cash dividends | $1,026,000 | 2,265 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,295,150 | 1,147 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $21,905,000 | 981 |
| Total interest expense | $7,232,000 | 967 |
| Net interest income | $14,673,000 | 991 |
| Provision for loan and lease losses | $405,000 | 1,997 |
| Total noninterest income | $5,068,000 | 917 |
| Gross Fiduciary activities income | $228,000 | 702 |
| Service charges on deposit accounts | $3,210,000 | 409 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,630,000 | 1,448 |
| Total noninterest expense | $13,635,000 | 895 |
| Salaries and employee benefits | $7,705,000 | 835 |
| Premises and equipment expense | $2,145,000 | 798 |
| Additional noninterest expense | $3,785,000 | 1,016 |
| Pre-tax net operating income | $5,701,000 | 1,131 |
| Securities gains (losses) | $172,000 | 1,323 |
| Applicable income taxes | $1,802,000 | 1,143 |
| Income before extraordinary items | $4,071,000 | 1,219 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,071,000 | 1,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,473 |
| Cash dividends | $800,000 | 1,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,952,320 | 1,173 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $14,694,000 | 983 |
| Total interest expense | $4,903,000 | 980 |
| Net interest income | $9,791,000 | 991 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $3,266,000 | 936 |
| Gross Fiduciary activities income | $154,000 | 702 |
| Service charges on deposit accounts | $2,108,000 | 409 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,004,000 | 1,512 |
| Total noninterest expense | $8,980,000 | 910 |
| Salaries and employee benefits | $5,084,000 | 842 |
| Premises and equipment expense | $1,416,000 | 804 |
| Additional noninterest expense | $2,480,000 | 1,027 |
| Pre-tax net operating income | $3,807,000 | 1,127 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,157,000 | 1,218 |
| Income before extraordinary items | $2,650,000 | 1,250 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,650,000 | 1,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,199 |
| Cash dividends | $800,000 | 1,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,650,000 | 1,164 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,349,000 | 987 |
| Total interest expense | $2,537,000 | 975 |
| Net interest income | $4,812,000 | 1,007 |
| Provision for loan and lease losses | $135,000 | 1,910 |
| Total noninterest income | $1,607,000 | 924 |
| Gross Fiduciary activities income | $74,000 | 728 |
| Service charges on deposit accounts | $1,033,000 | 405 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $500,000 | 1,489 |
| Total noninterest expense | $4,424,000 | 922 |
| Salaries and employee benefits | $2,489,000 | 863 |
| Premises and equipment expense | $745,000 | 782 |
| Additional noninterest expense | $1,190,000 | 1,038 |
| Pre-tax net operating income | $1,860,000 | 1,163 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $559,000 | 1,246 |
| Income before extraordinary items | $1,301,000 | 1,273 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,301,000 | 1,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,620 |
| Cash dividends | $400,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,301,000 | 1,188 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $30,544,000 | 1,003 |
| Total interest expense | $11,364,000 | 987 |
| Net interest income | $19,180,000 | 1,014 |
| Provision for loan and lease losses | $900,000 | 1,473 |
| Total noninterest income | $6,892,000 | 803 |
| Gross Fiduciary activities income | $276,000 | 740 |
| Service charges on deposit accounts | $4,235,000 | 381 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,381,000 | 1,168 |
| Total noninterest expense | $17,022,000 | 922 |
| Salaries and employee benefits | $9,113,000 | 886 |
| Premises and equipment expense | $2,725,000 | 805 |
| Additional noninterest expense | $5,184,000 | 966 |
| Pre-tax net operating income | $8,150,000 | 1,038 |
| Securities gains (losses) | $25,000 | 2,988 |
| Applicable income taxes | $2,476,000 | 1,082 |
| Income before extraordinary items | $5,699,000 | 1,102 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,699,000 | 1,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $510,000 | 1,629 |
| Cash dividends | $1,460,000 | 1,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,681,500 | 1,062 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $28,505,000 | 1,197 |
| Total interest expense | $12,149,000 | 1,341 |
| Net interest income | $16,356,000 | 1,087 |
| Provision for loan and lease losses | $900,000 | 1,348 |
| Total noninterest income | $5,239,000 | 953 |
| Gross Fiduciary activities income | $216,000 | 816 |
| Service charges on deposit accounts | $3,103,000 | 483 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,920,000 | 1,282 |
| Total noninterest expense | $14,486,000 | 1,022 |
| Salaries and employee benefits | $7,757,000 | 972 |
| Premises and equipment expense | $2,560,000 | 820 |
| Additional noninterest expense | $4,169,000 | 1,146 |
| Pre-tax net operating income | $6,209,000 | 1,201 |
| Securities gains (losses) | $259,000 | 991 |
| Applicable income taxes | $1,879,000 | 1,241 |
| Income before extraordinary items | $4,589,000 | 1,180 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,589,000 | 1,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $366,000 | 1,957 |
| Cash dividends | $1,530,000 | 1,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,405,110 | 1,185 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $27,791,000 | 1,280 |
| Total interest expense | $12,227,000 | 1,409 |
| Net interest income | $15,564,000 | 1,129 |
| Provision for loan and lease losses | $920,000 | 1,143 |
| Total noninterest income | $4,808,000 | 952 |
| Gross Fiduciary activities income | $157,000 | 849 |
| Service charges on deposit accounts | $3,000,000 | 450 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,651,000 | 1,281 |
| Total noninterest expense | $13,440,000 | 1,040 |
| Salaries and employee benefits | $7,327,000 | 956 |
| Premises and equipment expense | $2,458,000 | 814 |
| Additional noninterest expense | $3,655,000 | 1,246 |
| Pre-tax net operating income | $6,012,000 | 1,234 |
| Securities gains (losses) | $-10,000 | 8,341 |
| Applicable income taxes | $1,729,000 | 1,331 |
| Income before extraordinary items | $4,273,000 | 1,234 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,273,000 | 1,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $319,000 | 1,741 |
| Cash dividends | $840,000 | 2,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,280,100 | 1,226 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $23,607,000 | 1,376 |
| Total interest expense | $9,372,000 | 1,607 |
| Net interest income | $14,235,000 | 1,238 |
| Provision for loan and lease losses | $545,000 | 1,647 |
| Total noninterest income | $4,311,000 | 1,036 |
| Gross Fiduciary activities income | $43,000 | 1,120 |
| Service charges on deposit accounts | $2,892,000 | 471 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,376,000 | 1,481 |
| Total noninterest expense | $12,976,000 | 1,078 |
| Salaries and employee benefits | $6,779,000 | 1,019 |
| Premises and equipment expense | $2,414,000 | 832 |
| Additional noninterest expense | $3,783,000 | 1,218 |
| Pre-tax net operating income | $5,025,000 | 1,503 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $1,283,000 | 1,806 |
| Income before extraordinary items | $3,744,000 | 1,432 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,744,000 | 1,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 1,851 |
| Cash dividends | $975,000 | 2,339 |
| Sale, conversion, retirement of capital stock, net | $393,000 | 641 |
| Net operating income | $3,742,520 | 1,407 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $22,488,000 | 1,431 |
| Total interest expense | $9,839,000 | 1,555 |
| Net interest income | $12,649,000 | 1,342 |
| Provision for loan and lease losses | $150,000 | 4,136 |
| Total noninterest income | $3,727,000 | 1,139 |
| Gross Fiduciary activities income | $3,000 | 1,349 |
| Service charges on deposit accounts | $2,432,000 | 528 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,292,000 | 1,550 |
| Total noninterest expense | $12,216,000 | 1,080 |
| Salaries and employee benefits | $6,186,000 | 1,057 |
| Premises and equipment expense | $2,144,000 | 905 |
| Additional noninterest expense | $3,886,000 | 1,152 |
| Pre-tax net operating income | $4,010,000 | 1,816 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $1,204,000 | 1,993 |
| Income before extraordinary items | $2,807,000 | 1,870 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,807,000 | 1,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $465,000 | 1,331 |
| Cash dividends | $1,150,000 | 2,015 |
| Sale, conversion, retirement of capital stock, net | $-393,000 | 10,389 |
| Net operating income | $2,806,300 | 1,794 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $21,462,000 | 1,533 |
| Total interest expense | $9,211,000 | 1,691 |
| Net interest income | $12,251,000 | 1,416 |
| Provision for loan and lease losses | $525,000 | 1,706 |
| Total noninterest income | $3,597,000 | 1,154 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $2,368,000 | 553 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,229,000 | 1,524 |
| Total noninterest expense | $10,564,000 | 1,255 |
| Salaries and employee benefits | $5,494,000 | 1,199 |
| Premises and equipment expense | $1,831,000 | 1,084 |
| Additional noninterest expense | $3,239,000 | 1,348 |
| Pre-tax net operating income | $4,759,000 | 1,626 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $1,541,000 | 1,675 |
| Income before extraordinary items | $3,216,000 | 1,677 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,216,000 | 1,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,504 |
| Cash dividends | $1,100,000 | 2,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,217,360 | 1,634 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,319,000 | 1,850 |
| Total interest expense | $7,571,000 | 2,074 |
| Net interest income | $10,748,000 | 1,646 |
| Provision for loan and lease losses | $640,000 | 1,433 |
| Total noninterest income | $2,992,000 | 1,361 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,878,000 | 706 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,114,000 | 1,682 |
| Total noninterest expense | $9,620,000 | 1,484 |
| Salaries and employee benefits | $4,951,000 | 1,362 |
| Premises and equipment expense | $1,687,000 | 1,229 |
| Additional noninterest expense | $2,982,000 | 1,748 |
| Pre-tax net operating income | $3,480,000 | 2,059 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $1,070,000 | 2,205 |
| Income before extraordinary items | $2,418,000 | 2,054 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,418,000 | 2,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $785,000 | 1,034 |
| Cash dividends | $850,000 | 2,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,412,480 | 2,018 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,047,000 | 1,979 |
| Total interest expense | $6,840,000 | 2,279 |
| Net interest income | $10,207,000 | 1,752 |
| Provision for loan and lease losses | $950,000 | 984 |
| Total noninterest income | $2,567,000 | 1,511 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,650,000 | 795 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $917,000 | 1,916 |
| Total noninterest expense | $9,026,000 | 1,575 |
| Salaries and employee benefits | $4,429,000 | 1,499 |
| Premises and equipment expense | $1,638,000 | 1,268 |
| Additional noninterest expense | $2,959,000 | 1,718 |
| Pre-tax net operating income | $2,798,000 | 2,579 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $789,000 | 2,905 |
| Income before extraordinary items | $2,009,000 | 2,503 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,009,000 | 2,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $865,000 | 963 |
| Cash dividends | $720,000 | 2,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,009,000 | 2,482 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,273,000 | 2,145 |
| Total interest expense | $4,844,000 | 2,539 |
| Net interest income | $9,429,000 | 1,917 |
| Provision for loan and lease losses | $1,420,000 | 735 |
| Total noninterest income | $2,686,000 | 1,474 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,658,000 | 789 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,028,000 | 1,806 |
| Total noninterest expense | $8,343,000 | 1,757 |
| Salaries and employee benefits | $4,032,000 | 1,656 |
| Premises and equipment expense | $1,399,000 | 1,482 |
| Additional noninterest expense | $2,912,000 | 1,859 |
| Pre-tax net operating income | $2,352,000 | 2,995 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $686,000 | 3,138 |
| Income before extraordinary items | $1,667,000 | 2,897 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,667,000 | 2,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,712,000 | 629 |
| Cash dividends | $490,000 | 3,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,666,290 | 2,923 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,574,000 | 2,291 |
| Total interest expense | $4,746,000 | 2,713 |
| Net interest income | $8,828,000 | 2,048 |
| Provision for loan and lease losses | $1,200,000 | 1,154 |
| Total noninterest income | $2,573,000 | 1,640 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,612,000 | 808 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $961,000 | 2,084 |
| Total noninterest expense | $7,648,000 | 1,937 |
| Salaries and employee benefits | $3,726,000 | 1,799 |
| Premises and equipment expense | $1,306,000 | 1,610 |
| Additional noninterest expense | $2,616,000 | 2,132 |
| Pre-tax net operating income | $2,553,000 | 2,662 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $769,000 | 2,842 |
| Income before extraordinary items | $1,792,000 | 2,775 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,792,000 | 2,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $925,000 | 1,213 |
| Cash dividends | $390,000 | 3,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,786,400 | 2,631 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,978,000 | 2,516 |
| Total interest expense | $5,543,000 | 3,002 |
| Net interest income | $8,435,000 | 2,158 |
| Provision for loan and lease losses | $1,500,000 | 1,395 |
| Total noninterest income | $2,308,000 | 1,756 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,386,000 | 940 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $922,000 | 2,121 |
| Total noninterest expense | $7,344,000 | 2,003 |
| Salaries and employee benefits | $3,507,000 | 1,877 |
| Premises and equipment expense | $1,310,000 | 1,631 |
| Additional noninterest expense | $2,527,000 | 2,300 |
| Pre-tax net operating income | $1,899,000 | 3,263 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $346,000 | 5,403 |
| Income before extraordinary items | $1,553,000 | 2,968 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,553,000 | 3,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $722,000 | 1,938 |
| Cash dividends | $440,000 | 3,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,553,000 | 2,747 |
* 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.