Home > Citrus Bank > Income and Expense
Citrus Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,250,000 | 4,837 |
| Total interest expense | $1,266,000 | 4,969 |
| Net interest income | $1,984,000 | 4,646 |
| Provision for loan and lease losses | $114,000 | 4,093 |
| Total noninterest income | $114,000 | 6,455 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $89,000 | 5,053 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $25,000 | 6,995 |
| Total noninterest expense | $2,515,000 | 3,554 |
| Salaries and employee benefits | $975,000 | 4,609 |
| Premises and equipment expense | $495,000 | 2,660 |
| Additional noninterest expense | $1,045,000 | 2,645 |
| Pre-tax net operating income | $-531,000 | 7,632 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $94,000 | 3,510 |
| Income before extraordinary items | $-625,000 | 7,788 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-625,000 | 7,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 1,738 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,054 |
| Net operating income | $-625,000 | 7,766 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,696,000 | 4,810 |
| Total interest expense | $689,000 | 4,920 |
| Net interest income | $1,007,000 | 4,601 |
| Provision for loan and lease losses | $-71,000 | 8,441 |
| Total noninterest income | $69,000 | 6,144 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $44,000 | 5,057 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $25,000 | 6,173 |
| Total noninterest expense | $1,263,000 | 3,555 |
| Salaries and employee benefits | $499,000 | 4,556 |
| Premises and equipment expense | $237,000 | 2,776 |
| Additional noninterest expense | $527,000 | 2,592 |
| Pre-tax net operating income | $-116,000 | 7,609 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $94,000 | 2,868 |
| Income before extraordinary items | $-210,000 | 7,850 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-210,000 | 7,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 2,501 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 922 |
| Net operating income | $-210,000 | 7,820 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,433,000 | 4,215 |
| Total interest expense | $3,516,000 | 4,329 |
| Net interest income | $4,917,000 | 4,056 |
| Provision for loan and lease losses | $-339,000 | 8,467 |
| Total noninterest income | $246,000 | 6,427 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $187,000 | 5,028 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $59,000 | 6,922 |
| Total noninterest expense | $5,308,000 | 3,292 |
| Salaries and employee benefits | $2,028,000 | 4,351 |
| Premises and equipment expense | $1,064,000 | 2,435 |
| Additional noninterest expense | $2,216,000 | 2,431 |
| Pre-tax net operating income | $194,000 | 6,882 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-1,000 | 7,711 |
| Income before extraordinary items | $195,000 | 6,805 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $195,000 | 6,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,101 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,250 |
| Net operating income | $195,000 | 6,789 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,409,000 | 4,208 |
| Total interest expense | $2,689,000 | 4,290 |
| Net interest income | $3,720,000 | 4,037 |
| Provision for loan and lease losses | $-319,000 | 8,502 |
| Total noninterest income | $186,000 | 6,455 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $139,000 | 5,079 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $47,000 | 6,866 |
| Total noninterest expense | $3,966,000 | 3,269 |
| Salaries and employee benefits | $1,565,000 | 4,245 |
| Premises and equipment expense | $801,000 | 2,411 |
| Additional noninterest expense | $1,600,000 | 2,468 |
| Pre-tax net operating income | $259,000 | 6,726 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $259,000 | 6,526 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $259,000 | 6,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,926 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,090 |
| Net operating income | $259,000 | 6,508 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,411,000 | 4,127 |
| Total interest expense | $1,797,000 | 4,294 |
| Net interest income | $2,614,000 | 3,894 |
| Provision for loan and lease losses | $-297,000 | 8,541 |
| Total noninterest income | $119,000 | 6,549 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $90,000 | 5,147 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $29,000 | 7,026 |
| Total noninterest expense | $2,688,000 | 3,255 |
| Salaries and employee benefits | $1,069,000 | 4,202 |
| Premises and equipment expense | $549,000 | 2,355 |
| Additional noninterest expense | $1,070,000 | 2,475 |
| Pre-tax net operating income | $342,000 | 5,800 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $342,000 | 5,386 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $342,000 | 5,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 996 |
| Net operating income | $342,000 | 5,374 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,184,000 | 4,148 |
| Total interest expense | $912,000 | 4,233 |
| Net interest income | $1,272,000 | 3,977 |
| Provision for loan and lease losses | $35,000 | 3,592 |
| Total noninterest income | $55,000 | 6,682 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $46,000 | 5,043 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $9,000 | 7,488 |
| Total noninterest expense | $1,369,000 | 3,211 |
| Salaries and employee benefits | $562,000 | 4,065 |
| Premises and equipment expense | $285,000 | 2,288 |
| Additional noninterest expense | $522,000 | 2,521 |
| Pre-tax net operating income | $-77,000 | 8,093 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-77,000 | 8,120 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-77,000 | 8,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 831 |
| Net operating income | $-77,000 | 8,107 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,520,000 | 4,032 |
| Total interest expense | $3,136,000 | 4,206 |
| Net interest income | $5,384,000 | 3,803 |
| Provision for loan and lease losses | $-596,000 | 8,612 |
| Total noninterest income | $453,000 | 5,348 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $212,000 | 4,859 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $241,000 | 4,733 |
| Total noninterest expense | $5,413,000 | 3,132 |
| Salaries and employee benefits | $2,170,000 | 4,026 |
| Premises and equipment expense | $998,000 | 2,483 |
| Additional noninterest expense | $2,245,000 | 2,308 |
| Pre-tax net operating income | $1,020,000 | 5,151 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,020,000 | 4,669 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,020,000 | 4,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,587 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,020,000 | 4,659 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,338,000 | 4,021 |
| Total interest expense | $2,279,000 | 4,189 |
| Net interest income | $4,059,000 | 3,808 |
| Provision for loan and lease losses | $-379,000 | 8,652 |
| Total noninterest income | $350,000 | 5,290 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $164,000 | 4,842 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $186,000 | 4,680 |
| Total noninterest expense | $4,031,000 | 3,150 |
| Salaries and employee benefits | $1,672,000 | 3,927 |
| Premises and equipment expense | $728,000 | 2,546 |
| Additional noninterest expense | $1,631,000 | 2,371 |
| Pre-tax net operating income | $757,000 | 5,339 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $757,000 | 4,829 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $757,000 | 4,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $757,000 | 4,821 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,405,000 | 3,858 |
| Total interest expense | $1,443,000 | 4,218 |
| Net interest income | $2,962,000 | 3,582 |
| Provision for loan and lease losses | $-421,000 | 8,704 |
| Total noninterest income | $281,000 | 4,888 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $114,000 | 4,721 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $167,000 | 4,099 |
| Total noninterest expense | $2,695,000 | 3,141 |
| Salaries and employee benefits | $1,119,000 | 3,948 |
| Premises and equipment expense | $497,000 | 2,481 |
| Additional noninterest expense | $1,079,000 | 2,391 |
| Pre-tax net operating income | $969,000 | 3,871 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $969,000 | 3,287 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $969,000 | 3,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $969,000 | 3,282 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,028,000 | 4,041 |
| Total interest expense | $666,000 | 4,299 |
| Net interest income | $1,362,000 | 3,814 |
| Provision for loan and lease losses | $-302,000 | 8,732 |
| Total noninterest income | $78,000 | 6,127 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $53,000 | 4,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,361 |
| Total noninterest expense | $1,376,000 | 3,103 |
| Salaries and employee benefits | $563,000 | 3,933 |
| Premises and equipment expense | $237,000 | 2,595 |
| Additional noninterest expense | $576,000 | 2,234 |
| Pre-tax net operating income | $366,000 | 4,489 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $366,000 | 3,902 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $366,000 | 3,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $366,000 | 3,886 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,732,000 | 3,500 |
| Total interest expense | $2,669,000 | 3,646 |
| Net interest income | $6,063,000 | 3,389 |
| Provision for loan and lease losses | $-1,002,000 | 8,777 |
| Total noninterest income | $718,000 | 4,306 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $216,000 | 4,877 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $502,000 | 3,361 |
| Total noninterest expense | $6,377,000 | 2,602 |
| Salaries and employee benefits | $2,392,000 | 3,611 |
| Premises and equipment expense | $1,170,000 | 2,042 |
| Additional noninterest expense | $2,815,000 | 1,791 |
| Pre-tax net operating income | $1,406,000 | 4,532 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,406,000 | 3,945 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,406,000 | 3,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,564 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,406,000 | 3,914 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,729,000 | 3,374 |
| Total interest expense | $2,037,000 | 3,462 |
| Net interest income | $4,692,000 | 3,311 |
| Provision for loan and lease losses | $-826,000 | 8,801 |
| Total noninterest income | $368,000 | 5,301 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $165,000 | 4,871 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $203,000 | 4,582 |
| Total noninterest expense | $5,002,000 | 2,476 |
| Salaries and employee benefits | $1,921,000 | 3,399 |
| Premises and equipment expense | $848,000 | 2,102 |
| Additional noninterest expense | $2,233,000 | 1,679 |
| Pre-tax net operating income | $884,000 | 5,069 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $884,000 | 4,502 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $884,000 | 4,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,845 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $884,000 | 4,460 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,679,000 | 3,205 |
| Total interest expense | $1,377,000 | 3,268 |
| Net interest income | $3,302,000 | 3,148 |
| Provision for loan and lease losses | $-826,000 | 8,814 |
| Total noninterest income | $392,000 | 4,102 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $104,000 | 4,953 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $288,000 | 3,146 |
| Total noninterest expense | $3,308,000 | 2,463 |
| Salaries and employee benefits | $1,288,000 | 3,366 |
| Premises and equipment expense | $584,000 | 2,027 |
| Additional noninterest expense | $1,436,000 | 1,719 |
| Pre-tax net operating income | $1,212,000 | 3,223 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,212,000 | 2,628 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,212,000 | 2,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,134 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,212,000 | 2,588 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,497,000 | 2,998 |
| Total interest expense | $710,000 | 3,077 |
| Net interest income | $1,787,000 | 2,933 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $82,000 | 6,117 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $50,000 | 4,996 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 6,055 |
| Total noninterest expense | $1,840,000 | 2,255 |
| Salaries and employee benefits | $689,000 | 3,164 |
| Premises and equipment expense | $293,000 | 2,042 |
| Additional noninterest expense | $858,000 | 1,456 |
| Pre-tax net operating income | $29,000 | 8,153 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $29,000 | 8,102 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $29,000 | 8,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $29,000 | 8,074 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,337,000 | 3,302 |
| Total interest expense | $3,148,000 | 2,520 |
| Net interest income | $5,189,000 | 3,704 |
| Provision for loan and lease losses | $-203,000 | 8,847 |
| Total noninterest income | $487,000 | 5,334 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $223,000 | 4,988 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $264,000 | 4,519 |
| Total noninterest expense | $6,086,000 | 2,597 |
| Salaries and employee benefits | $2,285,000 | 3,587 |
| Premises and equipment expense | $923,000 | 2,473 |
| Additional noninterest expense | $2,878,000 | 1,703 |
| Pre-tax net operating income | $-207,000 | 8,538 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $813,000 | 2,505 |
| Income before extraordinary items | $-1,020,000 | 8,842 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,020,000 | 8,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-135,000 | 8,835 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,020,000 | 8,819 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,379,000 | 3,233 |
| Total interest expense | $2,361,000 | 2,480 |
| Net interest income | $4,018,000 | 3,588 |
| Provision for loan and lease losses | $47,000 | 5,450 |
| Total noninterest income | $406,000 | 5,096 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $169,000 | 5,017 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $237,000 | 4,168 |
| Total noninterest expense | $4,578,000 | 2,562 |
| Salaries and employee benefits | $1,724,000 | 3,555 |
| Premises and equipment expense | $686,000 | 2,465 |
| Additional noninterest expense | $2,168,000 | 1,668 |
| Pre-tax net operating income | $-201,000 | 8,647 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-201,000 | 8,678 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-201,000 | 8,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-96,000 | 8,800 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-201,000 | 8,651 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,456,000 | 3,085 |
| Total interest expense | $1,615,000 | 2,399 |
| Net interest income | $2,841,000 | 3,415 |
| Provision for loan and lease losses | $47,000 | 4,814 |
| Total noninterest income | $246,000 | 5,335 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $108,000 | 5,108 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $138,000 | 4,473 |
| Total noninterest expense | $2,963,000 | 2,644 |
| Salaries and employee benefits | $1,154,000 | 3,564 |
| Premises and equipment expense | $451,000 | 2,496 |
| Additional noninterest expense | $1,358,000 | 1,759 |
| Pre-tax net operating income | $77,000 | 8,080 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $77,000 | 8,008 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $77,000 | 8,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 8,856 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $77,000 | 7,946 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,245,000 | 3,073 |
| Total interest expense | $829,000 | 2,360 |
| Net interest income | $1,416,000 | 3,412 |
| Provision for loan and lease losses | $-203,000 | 9,062 |
| Total noninterest income | $170,000 | 4,459 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $55,000 | 4,979 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $115,000 | 3,415 |
| Total noninterest expense | $1,481,000 | 2,656 |
| Salaries and employee benefits | $574,000 | 3,598 |
| Premises and equipment expense | $232,000 | 2,460 |
| Additional noninterest expense | $675,000 | 1,756 |
| Pre-tax net operating income | $308,000 | 4,750 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $308,000 | 4,197 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $308,000 | 4,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 8,920 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $308,000 | 4,077 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,820,000 | 2,875 |
| Total interest expense | $3,912,000 | 2,256 |
| Net interest income | $5,908,000 | 3,235 |
| Provision for loan and lease losses | $1,147,000 | 1,043 |
| Total noninterest income | $380,000 | 6,072 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $239,000 | 4,852 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $141,000 | 5,934 |
| Total noninterest expense | $5,744,000 | 2,696 |
| Salaries and employee benefits | $2,289,000 | 3,519 |
| Premises and equipment expense | $840,000 | 2,637 |
| Additional noninterest expense | $2,615,000 | 1,846 |
| Pre-tax net operating income | $-603,000 | 8,862 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-228,000 | 9,026 |
| Income before extraordinary items | $-375,000 | 8,852 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-375,000 | 8,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-248,000 | 9,127 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-375,000 | 8,792 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,507,000 | 2,858 |
| Total interest expense | $3,026,000 | 2,273 |
| Net interest income | $4,481,000 | 3,206 |
| Provision for loan and lease losses | $797,000 | 1,092 |
| Total noninterest income | $303,000 | 5,999 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $188,000 | 4,770 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $115,000 | 5,813 |
| Total noninterest expense | $4,287,000 | 2,721 |
| Salaries and employee benefits | $1,725,000 | 3,486 |
| Premises and equipment expense | $625,000 | 2,672 |
| Additional noninterest expense | $1,937,000 | 1,854 |
| Pre-tax net operating income | $-300,000 | 8,868 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-112,000 | 9,076 |
| Income before extraordinary items | $-188,000 | 8,893 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-188,000 | 8,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-273,000 | 9,188 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-188,000 | 8,824 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,012,000 | 2,883 |
| Total interest expense | $2,097,000 | 2,256 |
| Net interest income | $2,915,000 | 3,273 |
| Provision for loan and lease losses | $693,000 | 886 |
| Total noninterest income | $219,000 | 5,799 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $125,000 | 4,754 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $94,000 | 5,436 |
| Total noninterest expense | $2,802,000 | 2,763 |
| Salaries and employee benefits | $1,156,000 | 3,470 |
| Premises and equipment expense | $401,000 | 2,757 |
| Additional noninterest expense | $1,245,000 | 1,924 |
| Pre-tax net operating income | $-361,000 | 9,014 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-137,000 | 9,159 |
| Income before extraordinary items | $-224,000 | 9,024 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-224,000 | 9,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-258,000 | 9,225 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-224,000 | 8,953 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,442,000 | 2,973 |
| Total interest expense | $1,049,000 | 2,325 |
| Net interest income | $1,393,000 | 3,380 |
| Provision for loan and lease losses | $386,000 | 757 |
| Total noninterest income | $124,000 | 5,379 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $61,000 | 4,717 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $63,000 | 4,821 |
| Total noninterest expense | $1,348,000 | 2,846 |
| Salaries and employee benefits | $569,000 | 3,513 |
| Premises and equipment expense | $198,000 | 2,780 |
| Additional noninterest expense | $581,000 | 2,029 |
| Pre-tax net operating income | $-217,000 | 9,101 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-83,000 | 9,212 |
| Income before extraordinary items | $-134,000 | 9,082 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-134,000 | 9,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,558 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-134,000 | 9,015 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,571,000 | 3,440 |
| Total interest expense | $3,493,000 | 3,103 |
| Net interest income | $5,078,000 | 3,628 |
| Provision for loan and lease losses | $1,274,000 | 1,075 |
| Total noninterest income | $183,000 | 7,489 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $235,000 | 4,843 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-52,000 | 9,316 |
| Total noninterest expense | $4,267,000 | 3,376 |
| Salaries and employee benefits | $1,869,000 | 3,964 |
| Premises and equipment expense | $666,000 | 3,131 |
| Additional noninterest expense | $1,732,000 | 2,627 |
| Pre-tax net operating income | $-280,000 | 8,872 |
| Securities gains (losses) | $240,000 | 1,049 |
| Applicable income taxes | $-14,000 | 8,881 |
| Income before extraordinary items | $-26,000 | 8,765 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-26,000 | 8,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,832 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-182,000 | 8,841 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,488,000 | 4,680 |
| Total interest expense | $3,232,000 | 4,463 |
| Net interest income | $3,256,000 | 4,785 |
| Provision for loan and lease losses | $364,000 | 2,805 |
| Total noninterest income | $211,000 | 7,197 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $271,000 | 4,431 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $-60,000 | 9,605 |
| Total noninterest expense | $3,367,000 | 3,947 |
| Salaries and employee benefits | $1,560,000 | 4,370 |
| Premises and equipment expense | $823,000 | 2,559 |
| Additional noninterest expense | $984,000 | 4,120 |
| Pre-tax net operating income | $-264,000 | 8,998 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-149,000 | 9,331 |
| Income before extraordinary items | $-115,000 | 8,967 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-115,000 | 8,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 1,529 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-115,000 | 8,917 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,367,000 | 4,397 |
| Total interest expense | $3,659,000 | 4,256 |
| Net interest income | $3,708,000 | 4,431 |
| Provision for loan and lease losses | $1,130,000 | 966 |
| Total noninterest income | $418,000 | 5,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $345,000 | 3,635 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 7,104 |
| Total noninterest expense | $3,454,000 | 3,742 |
| Salaries and employee benefits | $1,748,000 | 3,863 |
| Premises and equipment expense | $733,000 | 2,764 |
| Additional noninterest expense | $973,000 | 4,066 |
| Pre-tax net operating income | $-458,000 | 9,509 |
| Securities gains (losses) | $30,000 | 843 |
| Applicable income taxes | $-160,000 | 9,656 |
| Income before extraordinary items | $-268,000 | 9,424 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-268,000 | 9,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $545,000 | 1,169 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-287,200 | 9,440 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,500,000 | 4,673 |
| Total interest expense | $2,904,000 | 4,717 |
| Net interest income | $3,596,000 | 4,560 |
| Provision for loan and lease losses | $675,000 | 1,358 |
| Total noninterest income | $501,000 | 4,950 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $422,000 | 3,077 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,173 |
| Total noninterest expense | $3,423,000 | 3,771 |
| Salaries and employee benefits | $1,792,000 | 3,756 |
| Premises and equipment expense | $665,000 | 2,994 |
| Additional noninterest expense | $966,000 | 4,135 |
| Pre-tax net operating income | $-1,000 | 9,421 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,000 | 9,438 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,000 | 9,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $735,000 | 898 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-1,000 | 9,419 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,452,000 | 4,704 |
| Total interest expense | $2,950,000 | 4,792 |
| Net interest income | $3,502,000 | 4,593 |
| Provision for loan and lease losses | $23,000 | 7,650 |
| Total noninterest income | $426,000 | 5,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $352,000 | 3,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,363 |
| Total noninterest expense | $2,976,000 | 4,149 |
| Salaries and employee benefits | $1,419,000 | 4,453 |
| Premises and equipment expense | $502,000 | 3,683 |
| Additional noninterest expense | $1,055,000 | 3,773 |
| Pre-tax net operating income | $929,000 | 5,640 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $345,000 | 4,795 |
| Income before extraordinary items | $587,000 | 6,115 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $587,000 | 6,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,508 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $585,080 | 6,019 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,514,000 | 5,397 |
| Total interest expense | $2,489,000 | 5,430 |
| Net interest income | $3,025,000 | 5,271 |
| Provision for loan and lease losses | $269,000 | 2,837 |
| Total noninterest income | $399,000 | 5,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $327,000 | 3,807 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,635 |
| Total noninterest expense | $2,742,000 | 4,419 |
| Salaries and employee benefits | $1,265,000 | 4,877 |
| Premises and equipment expense | $426,000 | 4,234 |
| Additional noninterest expense | $1,051,000 | 3,724 |
| Pre-tax net operating income | $413,000 | 8,376 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $140,000 | 7,754 |
| Income before extraordinary items | $273,000 | 8,579 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $273,000 | 8,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,613 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $273,000 | 8,535 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,973,000 | 5,960 |
| Total interest expense | $2,296,000 | 5,854 |
| Net interest income | $2,677,000 | 5,914 |
| Provision for loan and lease losses | $352,000 | 2,309 |
| Total noninterest income | $369,000 | 6,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 4,174 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 8,317 |
| Total noninterest expense | $2,507,000 | 4,994 |
| Salaries and employee benefits | $1,144,000 | 5,423 |
| Premises and equipment expense | $372,000 | 4,814 |
| Additional noninterest expense | $991,000 | 4,439 |
| Pre-tax net operating income | $187,000 | 9,865 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $66,000 | 9,389 |
| Income before extraordinary items | $121,000 | 10,032 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $121,000 | 10,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $370,000 | 1,774 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $121,000 | 9,979 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,830,000 | 6,145 |
| Total interest expense | $2,408,000 | 5,723 |
| Net interest income | $2,422,000 | 6,439 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $327,000 | 6,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 5,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 7,460 |
| Total noninterest expense | $2,027,000 | 5,929 |
| Salaries and employee benefits | $1,023,000 | 5,943 |
| Premises and equipment expense | $381,000 | 4,729 |
| Additional noninterest expense | $623,000 | 6,384 |
| Pre-tax net operating income | $622,000 | 7,756 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $-21,000 | 11,561 |
| Income before extraordinary items | $644,000 | 6,349 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $644,000 | 6,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,176 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $643,000 | 6,340 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,756,000 | 6,992 |
| Total interest expense | $1,625,000 | 6,543 |
| Net interest income | $2,131,000 | 7,244 |
| Provision for loan and lease losses | $160,000 | 3,463 |
| Total noninterest income | $259,000 | 7,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $205,000 | 5,767 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,402 |
| Total noninterest expense | $2,084,000 | 5,998 |
| Salaries and employee benefits | $976,000 | 6,201 |
| Premises and equipment expense | $362,000 | 4,971 |
| Additional noninterest expense | $746,000 | 6,017 |
| Pre-tax net operating income | $146,000 | 11,305 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $-30,000 | 12,156 |
| Income before extraordinary items | $177,000 | 10,528 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $177,000 | 10,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,275 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $176,000 | 10,586 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,780,000 | 8,697 |
| Total interest expense | $1,318,000 | 7,813 |
| Net interest income | $1,462,000 | 9,237 |
| Provision for loan and lease losses | $22,000 | 8,943 |
| Total noninterest income | $176,000 | 9,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 7,439 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,664 |
| Total noninterest expense | $1,692,000 | 7,214 |
| Salaries and employee benefits | $770,000 | 7,497 |
| Premises and equipment expense | $323,000 | 5,544 |
| Additional noninterest expense | $599,000 | 7,344 |
| Pre-tax net operating income | $-76,000 | 12,570 |
| Securities gains (losses) | $50,000 | 3,394 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-26,000 | 12,583 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-26,000 | 12,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 4,347 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-76,000 | 12,538 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,547,000 | 9,815 |
| Total interest expense | $1,201,000 | 9,597 |
| Net interest income | $1,346,000 | 9,818 |
| Provision for loan and lease losses | $59,000 | 8,714 |
| Total noninterest income | $139,000 | 10,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 7,902 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 12,822 |
| Total noninterest expense | $1,306,000 | 8,642 |
| Salaries and employee benefits | $618,000 | 8,664 |
| Premises and equipment expense | $255,000 | 6,685 |
| Additional noninterest expense | $433,000 | 9,168 |
| Pre-tax net operating income | $120,000 | 11,810 |
| Securities gains (losses) | $26,000 | 5,197 |
| Applicable income taxes | $40,000 | 11,529 |
| Income before extraordinary items | $106,000 | 11,864 |
| Extraordinary gains, net | $40,000 | 1,063 |
| Net income | $146,000 | 11,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 8,990 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $87,020 | 11,820 |
* 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.