Home > City Savings Bank > Income and Expense
City Savings Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,243,000 | 4,266 |
| Total interest expense | $3,430,000 | 3,696 |
| Net interest income | $2,813,000 | 4,837 |
| Provision for loan and lease losses | $1,085,000 | 840 |
| Total noninterest income | $385,000 | 4,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $385,000 | 3,276 |
| Total noninterest expense | $2,644,000 | 4,481 |
| Salaries and employee benefits | $1,603,000 | 4,163 |
| Premises and equipment expense | $479,000 | 3,663 |
| Additional noninterest expense | $562,000 | 5,505 |
| Pre-tax net operating income | $-531,000 | 8,098 |
| Securities gains (losses) | $-12,000 | 7,827 |
| Applicable income taxes | $-313,000 | 8,376 |
| Income before extraordinary items | $-230,000 | 7,957 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-230,000 | 7,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,340,000 | 538 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-222,320 | 7,932 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,225,000 | 4,254 |
| Total interest expense | $2,300,000 | 3,685 |
| Net interest income | $1,925,000 | 4,786 |
| Provision for loan and lease losses | $1,085,000 | 551 |
| Total noninterest income | $268,000 | 4,932 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $268,000 | 3,202 |
| Total noninterest expense | $1,714,000 | 4,582 |
| Salaries and employee benefits | $1,083,000 | 4,160 |
| Premises and equipment expense | $308,000 | 3,786 |
| Additional noninterest expense | $323,000 | 5,917 |
| Pre-tax net operating income | $-606,000 | 8,344 |
| Securities gains (losses) | $64,000 | 500 |
| Applicable income taxes | $-281,000 | 8,495 |
| Income before extraordinary items | $-261,000 | 8,167 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-261,000 | 8,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,349,000 | 364 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-301,960 | 8,192 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,134,000 | 4,209 |
| Total interest expense | $1,178,000 | 3,581 |
| Net interest income | $956,000 | 4,817 |
| Provision for loan and lease losses | $25,000 | 4,116 |
| Total noninterest income | $123,000 | 5,068 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $123,000 | 3,375 |
| Total noninterest expense | $839,000 | 4,656 |
| Salaries and employee benefits | $522,000 | 4,295 |
| Premises and equipment expense | $153,000 | 3,821 |
| Additional noninterest expense | $164,000 | 5,864 |
| Pre-tax net operating income | $215,000 | 5,362 |
| Securities gains (losses) | $15,000 | 615 |
| Applicable income taxes | $57,000 | 3,973 |
| Income before extraordinary items | $173,000 | 5,369 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $173,000 | 5,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 2,733 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $161,750 | 5,496 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,057,000 | 3,844 |
| Total interest expense | $4,796,000 | 3,137 |
| Net interest income | $4,261,000 | 4,482 |
| Provision for loan and lease losses | $100,000 | 4,711 |
| Total noninterest income | $372,000 | 5,755 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $372,000 | 3,871 |
| Total noninterest expense | $3,878,000 | 4,077 |
| Salaries and employee benefits | $2,348,000 | 3,785 |
| Premises and equipment expense | $678,000 | 3,416 |
| Additional noninterest expense | $852,000 | 5,032 |
| Pre-tax net operating income | $655,000 | 6,038 |
| Securities gains (losses) | $179,000 | 413 |
| Applicable income taxes | $185,000 | 4,374 |
| Income before extraordinary items | $649,000 | 5,658 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $649,000 | 5,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $255,000 | 1,883 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 977 |
| Net operating income | $509,380 | 6,124 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,840,000 | 3,806 |
| Total interest expense | $3,556,000 | 3,073 |
| Net interest income | $3,284,000 | 4,453 |
| Provision for loan and lease losses | $75,000 | 4,564 |
| Total noninterest income | $329,000 | 5,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $329,000 | 3,571 |
| Total noninterest expense | $2,948,000 | 4,026 |
| Salaries and employee benefits | $1,835,000 | 3,669 |
| Premises and equipment expense | $523,000 | 3,345 |
| Additional noninterest expense | $590,000 | 5,275 |
| Pre-tax net operating income | $590,000 | 5,897 |
| Securities gains (losses) | $132,000 | 387 |
| Applicable income taxes | $175,000 | 4,311 |
| Income before extraordinary items | $547,000 | 5,566 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $547,000 | 5,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 1,768 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $446,680 | 6,012 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,611,000 | 3,728 |
| Total interest expense | $2,334,000 | 3,000 |
| Net interest income | $2,277,000 | 4,332 |
| Provision for loan and lease losses | $50,000 | 4,407 |
| Total noninterest income | $258,000 | 5,077 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $258,000 | 3,269 |
| Total noninterest expense | $2,121,000 | 3,812 |
| Salaries and employee benefits | $1,318,000 | 3,489 |
| Premises and equipment expense | $362,000 | 3,242 |
| Additional noninterest expense | $441,000 | 4,890 |
| Pre-tax net operating income | $364,000 | 6,073 |
| Securities gains (losses) | $105,000 | 345 |
| Applicable income taxes | $111,000 | 4,392 |
| Income before extraordinary items | $358,000 | 5,634 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $358,000 | 5,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 1,480 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $278,200 | 6,169 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,330,000 | 3,631 |
| Total interest expense | $1,172,000 | 2,858 |
| Net interest income | $1,158,000 | 4,262 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $147,000 | 4,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $147,000 | 3,003 |
| Total noninterest expense | $1,011,000 | 3,998 |
| Salaries and employee benefits | $615,000 | 3,690 |
| Premises and equipment expense | $181,000 | 3,256 |
| Additional noninterest expense | $215,000 | 4,957 |
| Pre-tax net operating income | $269,000 | 5,217 |
| Securities gains (losses) | $50,000 | 351 |
| Applicable income taxes | $86,000 | 3,799 |
| Income before extraordinary items | $233,000 | 5,004 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $233,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 1,171 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $196,500 | 5,401 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,045,000 | 3,413 |
| Total interest expense | $4,238,000 | 2,532 |
| Net interest income | $4,807,000 | 4,070 |
| Provision for loan and lease losses | $1,713,000 | 621 |
| Total noninterest income | $446,000 | 5,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $446,000 | 3,578 |
| Total noninterest expense | $4,292,000 | 3,661 |
| Salaries and employee benefits | $2,347,000 | 3,658 |
| Premises and equipment expense | $726,000 | 3,147 |
| Additional noninterest expense | $1,219,000 | 3,830 |
| Pre-tax net operating income | $-752,000 | 8,574 |
| Securities gains (losses) | $319,000 | 396 |
| Applicable income taxes | $-384,000 | 8,744 |
| Income before extraordinary items | $-49,000 | 8,334 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-49,000 | 8,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,082,000 | 382 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 809 |
| Net operating income | $-253,160 | 8,425 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,660,000 | 3,406 |
| Total interest expense | $2,996,000 | 2,539 |
| Net interest income | $3,664,000 | 4,022 |
| Provision for loan and lease losses | $1,163,000 | 661 |
| Total noninterest income | $504,000 | 4,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $504,000 | 2,870 |
| Total noninterest expense | $3,149,000 | 3,694 |
| Salaries and employee benefits | $1,718,000 | 3,715 |
| Premises and equipment expense | $538,000 | 3,157 |
| Additional noninterest expense | $893,000 | 3,836 |
| Pre-tax net operating income | $-144,000 | 8,456 |
| Securities gains (losses) | $262,000 | 415 |
| Applicable income taxes | $-132,000 | 8,733 |
| Income before extraordinary items | $250,000 | 7,186 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $250,000 | 7,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 960 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-12,000 | 8,333 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,350,000 | 3,393 |
| Total interest expense | $1,860,000 | 2,561 |
| Net interest income | $2,490,000 | 3,933 |
| Provision for loan and lease losses | $951,000 | 541 |
| Total noninterest income | $382,000 | 4,162 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $382,000 | 2,624 |
| Total noninterest expense | $1,986,000 | 3,828 |
| Salaries and employee benefits | $1,111,000 | 3,783 |
| Premises and equipment expense | $358,000 | 3,127 |
| Additional noninterest expense | $517,000 | 4,259 |
| Pre-tax net operating income | $-65,000 | 8,442 |
| Securities gains (losses) | $164,000 | 445 |
| Applicable income taxes | $-102,000 | 8,751 |
| Income before extraordinary items | $201,000 | 6,932 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $201,000 | 6,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $447,000 | 653 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $37,000 | 8,156 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,142,000 | 3,401 |
| Total interest expense | $885,000 | 2,577 |
| Net interest income | $1,257,000 | 3,908 |
| Provision for loan and lease losses | $783,000 | 316 |
| Total noninterest income | $186,000 | 4,166 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $186,000 | 2,593 |
| Total noninterest expense | $993,000 | 3,861 |
| Salaries and employee benefits | $569,000 | 3,719 |
| Premises and equipment expense | $187,000 | 3,046 |
| Additional noninterest expense | $237,000 | 4,538 |
| Pre-tax net operating income | $-333,000 | 8,794 |
| Securities gains (losses) | $77,000 | 430 |
| Applicable income taxes | $-156,000 | 8,874 |
| Income before extraordinary items | $-100,000 | 8,668 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-100,000 | 8,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 436 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-149,280 | 8,690 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,066,000 | 3,397 |
| Total interest expense | $3,034,000 | 2,610 |
| Net interest income | $5,032,000 | 3,788 |
| Provision for loan and lease losses | $440,000 | 2,189 |
| Total noninterest income | $539,000 | 5,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $539,000 | 3,176 |
| Total noninterest expense | $3,984,000 | 3,757 |
| Salaries and employee benefits | $2,091,000 | 3,851 |
| Premises and equipment expense | $848,000 | 2,644 |
| Additional noninterest expense | $1,045,000 | 4,191 |
| Pre-tax net operating income | $1,147,000 | 4,902 |
| Securities gains (losses) | $240,000 | 740 |
| Applicable income taxes | $446,000 | 3,526 |
| Income before extraordinary items | $941,000 | 4,853 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $941,000 | 4,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,079 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 717 |
| Net operating income | $777,800 | 5,256 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,016,000 | 3,380 |
| Total interest expense | $2,209,000 | 2,622 |
| Net interest income | $3,807,000 | 3,745 |
| Provision for loan and lease losses | $333,000 | 2,079 |
| Total noninterest income | $373,000 | 5,301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $373,000 | 3,322 |
| Total noninterest expense | $2,922,000 | 3,792 |
| Salaries and employee benefits | $1,607,000 | 3,750 |
| Premises and equipment expense | $653,000 | 2,583 |
| Additional noninterest expense | $662,000 | 4,722 |
| Pre-tax net operating income | $925,000 | 4,798 |
| Securities gains (losses) | $176,000 | 831 |
| Applicable income taxes | $370,000 | 3,440 |
| Income before extraordinary items | $731,000 | 4,848 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $731,000 | 4,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,698 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $614,840 | 5,217 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,968,000 | 3,406 |
| Total interest expense | $1,437,000 | 2,663 |
| Net interest income | $2,531,000 | 3,740 |
| Provision for loan and lease losses | $204,000 | 2,171 |
| Total noninterest income | $227,000 | 5,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $227,000 | 3,504 |
| Total noninterest expense | $2,022,000 | 3,699 |
| Salaries and employee benefits | $1,099,000 | 3,700 |
| Premises and equipment expense | $447,000 | 2,521 |
| Additional noninterest expense | $476,000 | 4,487 |
| Pre-tax net operating income | $532,000 | 5,148 |
| Securities gains (losses) | $125,000 | 901 |
| Applicable income taxes | $233,000 | 3,507 |
| Income before extraordinary items | $424,000 | 5,162 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $424,000 | 5,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,933 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $342,750 | 5,647 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,977,000 | 3,418 |
| Total interest expense | $724,000 | 2,681 |
| Net interest income | $1,253,000 | 3,757 |
| Provision for loan and lease losses | $146,000 | 1,570 |
| Total noninterest income | $109,000 | 5,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $109,000 | 3,531 |
| Total noninterest expense | $958,000 | 3,891 |
| Salaries and employee benefits | $548,000 | 3,731 |
| Premises and equipment expense | $196,000 | 2,872 |
| Additional noninterest expense | $214,000 | 4,834 |
| Pre-tax net operating income | $258,000 | 5,197 |
| Securities gains (losses) | $65,000 | 1,051 |
| Applicable income taxes | $114,000 | 3,563 |
| Income before extraordinary items | $209,000 | 5,227 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $209,000 | 5,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $166,750 | 5,647 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,850,000 | 3,498 |
| Total interest expense | $3,025,000 | 2,844 |
| Net interest income | $4,825,000 | 3,776 |
| Provision for loan and lease losses | $667,000 | 1,691 |
| Total noninterest income | $617,000 | 4,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $617,000 | 3,201 |
| Total noninterest expense | $2,714,000 | 4,924 |
| Salaries and employee benefits | $1,582,000 | 4,674 |
| Premises and equipment expense | $489,000 | 4,141 |
| Additional noninterest expense | $643,000 | 5,761 |
| Pre-tax net operating income | $2,061,000 | 3,329 |
| Securities gains (losses) | $678,000 | 623 |
| Applicable income taxes | $1,062,000 | 2,096 |
| Income before extraordinary items | $1,677,000 | 3,271 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,677,000 | 3,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,141 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,243,080 | 3,862 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,951,000 | 3,517 |
| Total interest expense | $2,307,000 | 2,899 |
| Net interest income | $3,644,000 | 3,784 |
| Provision for loan and lease losses | $588,000 | 1,442 |
| Total noninterest income | $516,000 | 4,660 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $516,000 | 3,080 |
| Total noninterest expense | $1,974,000 | 5,026 |
| Salaries and employee benefits | $1,155,000 | 4,757 |
| Premises and equipment expense | $344,000 | 4,316 |
| Additional noninterest expense | $475,000 | 5,799 |
| Pre-tax net operating income | $1,598,000 | 3,387 |
| Securities gains (losses) | $597,000 | 609 |
| Applicable income taxes | $862,000 | 2,091 |
| Income before extraordinary items | $1,333,000 | 3,228 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,333,000 | 3,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,047 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $950,920 | 3,938 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,791,000 | 3,656 |
| Total interest expense | $1,531,000 | 2,989 |
| Net interest income | $2,260,000 | 4,005 |
| Provision for loan and lease losses | $411,000 | 1,360 |
| Total noninterest income | $344,000 | 4,628 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $344,000 | 3,041 |
| Total noninterest expense | $1,316,000 | 5,016 |
| Salaries and employee benefits | $784,000 | 4,677 |
| Premises and equipment expense | $207,000 | 4,599 |
| Additional noninterest expense | $325,000 | 5,714 |
| Pre-tax net operating income | $877,000 | 3,817 |
| Securities gains (losses) | $458,000 | 611 |
| Applicable income taxes | $527,000 | 2,242 |
| Income before extraordinary items | $808,000 | 3,490 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $808,000 | 3,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,336 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $514,880 | 4,518 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,848,000 | 3,744 |
| Total interest expense | $774,000 | 3,023 |
| Net interest income | $1,074,000 | 4,178 |
| Provision for loan and lease losses | $198,000 | 1,389 |
| Total noninterest income | $232,000 | 3,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $232,000 | 2,467 |
| Total noninterest expense | $656,000 | 5,032 |
| Salaries and employee benefits | $395,000 | 4,654 |
| Premises and equipment expense | $119,000 | 4,200 |
| Additional noninterest expense | $142,000 | 6,123 |
| Pre-tax net operating income | $452,000 | 3,740 |
| Securities gains (losses) | $225,000 | 613 |
| Applicable income taxes | $264,000 | 2,242 |
| Income before extraordinary items | $413,000 | 3,384 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $413,000 | 3,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $269,000 | 4,324 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,837,000 | 4,649 |
| Total interest expense | $2,529,000 | 4,065 |
| Net interest income | $3,308,000 | 4,952 |
| Provision for loan and lease losses | $272,000 | 3,673 |
| Total noninterest income | $378,000 | 5,915 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $378,000 | 3,804 |
| Total noninterest expense | $2,323,000 | 5,341 |
| Salaries and employee benefits | $1,309,000 | 5,180 |
| Premises and equipment expense | $429,000 | 4,403 |
| Additional noninterest expense | $585,000 | 6,029 |
| Pre-tax net operating income | $1,091,000 | 4,982 |
| Securities gains (losses) | $286,000 | 924 |
| Applicable income taxes | $516,000 | 3,383 |
| Income before extraordinary items | $861,000 | 5,004 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $861,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 3,329 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $677,960 | 5,499 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,878,000 | 5,712 |
| Total interest expense | $2,872,000 | 4,890 |
| Net interest income | $2,006,000 | 6,431 |
| Provision for loan and lease losses | $404,000 | 2,602 |
| Total noninterest income | $373,000 | 5,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $373,000 | 3,689 |
| Total noninterest expense | $1,906,000 | 5,920 |
| Salaries and employee benefits | $929,000 | 6,253 |
| Premises and equipment expense | $429,000 | 4,383 |
| Additional noninterest expense | $548,000 | 6,165 |
| Pre-tax net operating income | $69,000 | 8,468 |
| Securities gains (losses) | $120,000 | 1,604 |
| Applicable income taxes | $170,000 | 5,274 |
| Income before extraordinary items | $19,000 | 8,734 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $19,000 | 8,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,838 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $4,555,000 | 207 |
| Net operating income | $-57,800 | 8,840 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,366,000 | 6,193 |
| Total interest expense | $2,648,000 | 5,366 |
| Net interest income | $1,718,000 | 7,083 |
| Provision for loan and lease losses | $39,000 | 6,919 |
| Total noninterest income | $241,000 | 6,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $241,000 | 4,366 |
| Total noninterest expense | $1,442,000 | 6,892 |
| Salaries and employee benefits | $785,000 | 6,802 |
| Premises and equipment expense | $342,000 | 5,015 |
| Additional noninterest expense | $315,000 | 7,826 |
| Pre-tax net operating income | $478,000 | 7,103 |
| Securities gains (losses) | $88,000 | 594 |
| Applicable income taxes | $224,000 | 5,182 |
| Income before extraordinary items | $342,000 | 7,205 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $342,000 | 7,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,148 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $285,680 | 7,567 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,732,000 | 6,582 |
| Total interest expense | $2,288,000 | 5,499 |
| Net interest income | $1,444,000 | 7,697 |
| Provision for loan and lease losses | $45,000 | 6,711 |
| Total noninterest income | $163,000 | 7,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $163,000 | 5,408 |
| Total noninterest expense | $1,210,000 | 7,540 |
| Salaries and employee benefits | $614,000 | 7,674 |
| Premises and equipment expense | $318,000 | 5,295 |
| Additional noninterest expense | $278,000 | 8,318 |
| Pre-tax net operating income | $352,000 | 7,827 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $148,000 | 6,305 |
| Income before extraordinary items | $202,000 | 8,294 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $202,000 | 8,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,178 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $203,280 | 8,252 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,572,000 | 6,870 |
| Total interest expense | $2,224,000 | 5,795 |
| Net interest income | $1,348,000 | 8,002 |
| Provision for loan and lease losses | $29,000 | 7,397 |
| Total noninterest income | $158,000 | 8,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $158,000 | 5,537 |
| Total noninterest expense | $1,064,000 | 7,925 |
| Salaries and employee benefits | $560,000 | 7,983 |
| Premises and equipment expense | $279,000 | 5,599 |
| Additional noninterest expense | $225,000 | 8,847 |
| Pre-tax net operating income | $413,000 | 7,807 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $125,000 | 7,175 |
| Income before extraordinary items | $288,000 | 7,984 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $288,000 | 7,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $288,000 | 7,899 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,403,000 | 7,287 |
| Total interest expense | $2,088,000 | 6,103 |
| Net interest income | $1,315,000 | 8,438 |
| Provision for loan and lease losses | $-59,000 | 10,729 |
| Total noninterest income | $83,000 | 9,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $83,000 | 7,280 |
| Total noninterest expense | $1,013,000 | 8,295 |
| Salaries and employee benefits | $516,000 | 8,489 |
| Premises and equipment expense | $253,000 | 6,016 |
| Additional noninterest expense | $244,000 | 8,915 |
| Pre-tax net operating income | $444,000 | 8,218 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $121,000 | 8,071 |
| Income before extraordinary items | $323,000 | 8,200 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $323,000 | 8,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-75,000 | 10,649 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $323,000 | 8,160 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,387,000 | 7,524 |
| Total interest expense | $2,067,000 | 6,284 |
| Net interest income | $1,320,000 | 8,716 |
| Provision for loan and lease losses | $8,000 | 8,671 |
| Total noninterest income | $101,000 | 9,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $101,000 | 7,088 |
| Total noninterest expense | $1,244,000 | 7,846 |
| Salaries and employee benefits | $487,000 | 8,981 |
| Premises and equipment expense | $223,000 | 6,642 |
| Additional noninterest expense | $534,000 | 6,806 |
| Pre-tax net operating income | $169,000 | 9,965 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $58,000 | 9,552 |
| Income before extraordinary items | $111,000 | 10,128 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $111,000 | 10,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $111,000 | 10,069 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,129,000 | 8,037 |
| Total interest expense | $2,021,000 | 6,414 |
| Net interest income | $1,108,000 | 9,604 |
| Provision for loan and lease losses | $-10,000 | 11,420 |
| Total noninterest income | $120,000 | 9,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $120,000 | 6,653 |
| Total noninterest expense | $899,000 | 9,357 |
| Salaries and employee benefits | $411,000 | 9,860 |
| Premises and equipment expense | $191,000 | 7,369 |
| Additional noninterest expense | $297,000 | 9,269 |
| Pre-tax net operating income | $339,000 | 9,466 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $126,000 | 8,697 |
| Income before extraordinary items | $213,000 | 9,797 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $213,000 | 9,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $213,000 | 9,766 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,912,000 | 8,202 |
| Total interest expense | $1,695,000 | 6,338 |
| Net interest income | $1,217,000 | 9,719 |
| Provision for loan and lease losses | $-41,000 | 11,950 |
| Total noninterest income | $62,000 | 11,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $62,000 | 9,009 |
| Total noninterest expense | $815,000 | 10,174 |
| Salaries and employee benefits | $376,000 | 10,495 |
| Premises and equipment expense | $172,000 | 8,034 |
| Additional noninterest expense | $267,000 | 10,327 |
| Pre-tax net operating income | $505,000 | 8,618 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $176,000 | 7,790 |
| Income before extraordinary items | $329,000 | 8,832 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $329,000 | 8,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,032 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $329,000 | 8,891 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,922,000 | 8,462 |
| Total interest expense | $1,673,000 | 6,688 |
| Net interest income | $1,249,000 | 9,903 |
| Provision for loan and lease losses | $16,000 | 9,322 |
| Total noninterest income | $54,000 | 12,434 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $54,000 | 9,868 |
| Total noninterest expense | $794,000 | 10,696 |
| Salaries and employee benefits | $362,000 | 11,032 |
| Premises and equipment expense | $181,000 | 8,115 |
| Additional noninterest expense | $251,000 | 11,069 |
| Pre-tax net operating income | $493,000 | 8,703 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $136,000 | 8,950 |
| Income before extraordinary items | $357,000 | 8,858 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $357,000 | 9,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 6,463 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $357,000 | 8,606 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,210,000 | 8,620 |
| Total interest expense | $1,960,000 | 7,197 |
| Net interest income | $1,250,000 | 10,145 |
| Provision for loan and lease losses | $113,000 | 6,955 |
| Total noninterest income | $99,000 | 11,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $99,000 | 8,102 |
| Total noninterest expense | $818,000 | 10,916 |
| Salaries and employee benefits | $353,000 | 11,407 |
| Premises and equipment expense | $183,000 | 8,234 |
| Additional noninterest expense | $282,000 | 11,101 |
| Pre-tax net operating income | $418,000 | 9,079 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $159,000 | 8,397 |
| Income before extraordinary items | $259,000 | 9,796 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $259,000 | 9,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 10,157 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $259,000 | 9,428 |
* 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.