Home > Commercial State Bank > Income and Expense
Commercial State Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,834,000 | 6,909 |
| Total interest expense | $1,007,000 | 6,933 |
| Net interest income | $1,827,000 | 6,772 |
| Provision for loan and lease losses | $4,000 | 6,764 |
| Total noninterest income | $453,000 | 5,348 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $363,000 | 3,739 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $90,000 | 6,499 |
| Total noninterest expense | $1,507,000 | 6,883 |
| Salaries and employee benefits | $806,000 | 6,935 |
| Premises and equipment expense | $125,000 | 7,549 |
| Additional noninterest expense | $576,000 | 6,167 |
| Pre-tax net operating income | $769,000 | 5,728 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $769,000 | 5,296 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $769,000 | 5,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,935 |
| Cash dividends | $505,000 | 3,685 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $769,000 | 5,293 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,070,000 | 6,997 |
| Total interest expense | $722,000 | 7,004 |
| Net interest income | $1,348,000 | 6,887 |
| Provision for loan and lease losses | $4,000 | 6,573 |
| Total noninterest income | $335,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $274,000 | 3,751 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,658 |
| Total noninterest expense | $1,104,000 | 6,958 |
| Salaries and employee benefits | $556,000 | 7,138 |
| Premises and equipment expense | $95,000 | 7,532 |
| Additional noninterest expense | $453,000 | 6,049 |
| Pre-tax net operating income | $575,000 | 5,953 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $575,000 | 5,461 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $575,000 | 5,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $505,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $575,000 | 5,460 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,340,000 | 7,058 |
| Total interest expense | $459,000 | 7,031 |
| Net interest income | $881,000 | 6,971 |
| Provision for loan and lease losses | $2,000 | 6,347 |
| Total noninterest income | $221,000 | 5,416 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $180,000 | 3,770 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $41,000 | 6,674 |
| Total noninterest expense | $732,000 | 6,999 |
| Salaries and employee benefits | $368,000 | 7,187 |
| Premises and equipment expense | $62,000 | 7,587 |
| Additional noninterest expense | $302,000 | 6,066 |
| Pre-tax net operating income | $368,000 | 6,051 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $368,000 | 5,573 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $368,000 | 5,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $355,000 | 2,878 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $368,000 | 5,574 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $663,000 | 7,065 |
| Total interest expense | $226,000 | 6,996 |
| Net interest income | $437,000 | 7,008 |
| Provision for loan and lease losses | $-1,000 | 8,498 |
| Total noninterest income | $105,000 | 5,497 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $84,000 | 3,836 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,631 |
| Total noninterest expense | $368,000 | 6,994 |
| Salaries and employee benefits | $185,000 | 7,194 |
| Premises and equipment expense | $32,000 | 7,546 |
| Additional noninterest expense | $151,000 | 6,040 |
| Pre-tax net operating income | $175,000 | 6,105 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $175,000 | 5,617 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $175,000 | 5,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $175,000 | 5,612 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,229,000 | 7,234 |
| Total interest expense | $648,000 | 7,195 |
| Net interest income | $1,581,000 | 7,186 |
| Provision for loan and lease losses | $-4,000 | 8,480 |
| Total noninterest income | $618,000 | 4,716 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $392,000 | 3,598 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $226,000 | 4,929 |
| Total noninterest expense | $1,559,000 | 6,787 |
| Salaries and employee benefits | $779,000 | 6,997 |
| Premises and equipment expense | $122,000 | 7,626 |
| Additional noninterest expense | $658,000 | 5,773 |
| Pre-tax net operating income | $644,000 | 6,288 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $644,000 | 5,841 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $644,000 | 5,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,922 |
| Cash dividends | $655,000 | 3,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $644,000 | 5,815 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,607,000 | 7,324 |
| Total interest expense | $452,000 | 7,273 |
| Net interest income | $1,155,000 | 7,283 |
| Provision for loan and lease losses | $-6,000 | 8,585 |
| Total noninterest income | $355,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $298,000 | 3,564 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,861 |
| Total noninterest expense | $1,117,000 | 6,903 |
| Salaries and employee benefits | $541,000 | 7,172 |
| Premises and equipment expense | $87,000 | 7,688 |
| Additional noninterest expense | $489,000 | 5,772 |
| Pre-tax net operating income | $399,000 | 6,800 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $399,000 | 6,386 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $399,000 | 6,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,791 |
| Cash dividends | $385,000 | 3,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $399,000 | 6,343 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,054,000 | 7,345 |
| Total interest expense | $290,000 | 7,253 |
| Net interest income | $764,000 | 7,304 |
| Provision for loan and lease losses | $-6,000 | 8,614 |
| Total noninterest income | $235,000 | 5,374 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $196,000 | 3,550 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $39,000 | 6,823 |
| Total noninterest expense | $748,000 | 6,916 |
| Salaries and employee benefits | $360,000 | 7,198 |
| Premises and equipment expense | $53,000 | 7,794 |
| Additional noninterest expense | $335,000 | 5,669 |
| Pre-tax net operating income | $257,000 | 6,861 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $257,000 | 6,453 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $257,000 | 6,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,718 |
| Cash dividends | $135,000 | 3,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $257,000 | 6,403 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $505,000 | 7,467 |
| Total interest expense | $118,000 | 7,591 |
| Net interest income | $387,000 | 7,327 |
| Provision for loan and lease losses | $-3,000 | 8,690 |
| Total noninterest income | $120,000 | 5,254 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $98,000 | 3,485 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,697 |
| Total noninterest expense | $372,000 | 6,960 |
| Salaries and employee benefits | $180,000 | 7,241 |
| Premises and equipment expense | $27,000 | 7,847 |
| Additional noninterest expense | $165,000 | 5,705 |
| Pre-tax net operating income | $138,000 | 6,718 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $138,000 | 6,283 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $138,000 | 6,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $138,000 | 6,234 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,898,000 | 7,488 |
| Total interest expense | $325,000 | 7,985 |
| Net interest income | $1,573,000 | 7,219 |
| Provision for loan and lease losses | $8,000 | 7,099 |
| Total noninterest income | $524,000 | 5,150 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $455,000 | 3,359 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $69,000 | 7,011 |
| Total noninterest expense | $1,574,000 | 6,758 |
| Salaries and employee benefits | $845,000 | 6,798 |
| Premises and equipment expense | $122,000 | 7,684 |
| Additional noninterest expense | $607,000 | 5,935 |
| Pre-tax net operating income | $515,000 | 6,669 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $515,000 | 6,299 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $515,000 | 6,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,277 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $515,000 | 6,230 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,422,000 | 7,516 |
| Total interest expense | $227,000 | 8,114 |
| Net interest income | $1,195,000 | 7,200 |
| Provision for loan and lease losses | $5,000 | 6,935 |
| Total noninterest income | $392,000 | 5,181 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $344,000 | 3,347 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $48,000 | 7,110 |
| Total noninterest expense | $1,164,000 | 6,764 |
| Salaries and employee benefits | $625,000 | 6,800 |
| Premises and equipment expense | $89,000 | 7,729 |
| Additional noninterest expense | $450,000 | 5,937 |
| Pre-tax net operating income | $418,000 | 6,659 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $418,000 | 6,213 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $418,000 | 6,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $415,000 | 2,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $418,000 | 6,143 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $952,000 | 7,544 |
| Total interest expense | $146,000 | 8,230 |
| Net interest income | $806,000 | 7,207 |
| Provision for loan and lease losses | $1,000 | 6,852 |
| Total noninterest income | $252,000 | 5,264 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $222,000 | 3,406 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $30,000 | 7,216 |
| Total noninterest expense | $760,000 | 6,856 |
| Salaries and employee benefits | $399,000 | 6,951 |
| Premises and equipment expense | $58,000 | 7,798 |
| Additional noninterest expense | $303,000 | 5,952 |
| Pre-tax net operating income | $297,000 | 6,529 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $297,000 | 6,060 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $297,000 | 6,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $275,000 | 3,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $297,000 | 5,984 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $469,000 | 7,630 |
| Total interest expense | $75,000 | 8,277 |
| Net interest income | $394,000 | 7,291 |
| Provision for loan and lease losses | $-1,000 | 8,875 |
| Total noninterest income | $126,000 | 5,200 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $112,000 | 3,310 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $14,000 | 7,349 |
| Total noninterest expense | $381,000 | 6,892 |
| Salaries and employee benefits | $199,000 | 7,002 |
| Premises and equipment expense | $29,000 | 7,823 |
| Additional noninterest expense | $153,000 | 5,939 |
| Pre-tax net operating income | $140,000 | 6,574 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $140,000 | 6,167 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $140,000 | 6,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $140,000 | 6,059 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,107,000 | 7,444 |
| Total interest expense | $369,000 | 8,213 |
| Net interest income | $1,738,000 | 7,010 |
| Provision for loan and lease losses | $4,000 | 7,558 |
| Total noninterest income | $544,000 | 5,202 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $485,000 | 3,161 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $59,000 | 7,340 |
| Total noninterest expense | $1,566,000 | 6,772 |
| Salaries and employee benefits | $825,000 | 6,825 |
| Premises and equipment expense | $122,000 | 7,784 |
| Additional noninterest expense | $619,000 | 5,886 |
| Pre-tax net operating income | $712,000 | 5,976 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $712,000 | 5,533 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $712,000 | 5,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,027 |
| Cash dividends | $710,000 | 2,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $712,000 | 5,372 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,639,000 | 7,455 |
| Total interest expense | $289,000 | 8,286 |
| Net interest income | $1,350,000 | 6,938 |
| Provision for loan and lease losses | $1,000 | 7,460 |
| Total noninterest income | $401,000 | 5,306 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $363,000 | 3,179 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $38,000 | 7,573 |
| Total noninterest expense | $1,162,000 | 6,795 |
| Salaries and employee benefits | $607,000 | 6,888 |
| Premises and equipment expense | $90,000 | 7,812 |
| Additional noninterest expense | $465,000 | 5,861 |
| Pre-tax net operating income | $588,000 | 5,932 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $588,000 | 5,451 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $588,000 | 5,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $575,000 | 2,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $588,000 | 5,263 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,120,000 | 7,449 |
| Total interest expense | $204,000 | 8,305 |
| Net interest income | $916,000 | 6,896 |
| Provision for loan and lease losses | $1,000 | 7,297 |
| Total noninterest income | $269,000 | 5,274 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $240,000 | 3,164 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $29,000 | 7,373 |
| Total noninterest expense | $775,000 | 6,807 |
| Salaries and employee benefits | $403,000 | 6,916 |
| Premises and equipment expense | $57,000 | 7,891 |
| Additional noninterest expense | $315,000 | 5,814 |
| Pre-tax net operating income | $409,000 | 5,804 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $409,000 | 5,343 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $409,000 | 5,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $385,000 | 2,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $409,000 | 5,142 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $575,000 | 7,430 |
| Total interest expense | $107,000 | 8,337 |
| Net interest income | $468,000 | 6,843 |
| Provision for loan and lease losses | $1,000 | 6,877 |
| Total noninterest income | $134,000 | 5,166 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $118,000 | 3,121 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $16,000 | 7,254 |
| Total noninterest expense | $390,000 | 6,792 |
| Salaries and employee benefits | $196,000 | 7,027 |
| Premises and equipment expense | $27,000 | 8,005 |
| Additional noninterest expense | $167,000 | 5,597 |
| Pre-tax net operating income | $211,000 | 5,718 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $211,000 | 5,189 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 5,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $200,000 | 2,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $211,000 | 5,000 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,574,000 | 7,286 |
| Total interest expense | $615,000 | 8,045 |
| Net interest income | $1,959,000 | 6,687 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $449,000 | 5,493 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $418,000 | 3,423 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 8,166 |
| Total noninterest expense | $1,587,000 | 6,685 |
| Salaries and employee benefits | $865,000 | 6,642 |
| Premises and equipment expense | $132,000 | 7,696 |
| Additional noninterest expense | $590,000 | 5,999 |
| Pre-tax net operating income | $821,000 | 5,704 |
| Securities gains (losses) | $-3,000 | 8,756 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $818,000 | 5,138 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $818,000 | 5,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $670,000 | 2,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $821,000 | 4,995 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,200,000 | 7,034 |
| Total interest expense | $1,364,000 | 7,266 |
| Net interest income | $1,836,000 | 6,729 |
| Provision for loan and lease losses | $6,000 | 8,054 |
| Total noninterest income | $459,000 | 5,300 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $402,000 | 3,384 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $57,000 | 7,479 |
| Total noninterest expense | $1,451,000 | 6,900 |
| Salaries and employee benefits | $762,000 | 6,936 |
| Premises and equipment expense | $132,000 | 7,816 |
| Additional noninterest expense | $557,000 | 6,119 |
| Pre-tax net operating income | $838,000 | 5,368 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $838,000 | 4,763 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $838,000 | 4,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $915,000 | 2,401 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $838,000 | 4,639 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,349,000 | 7,047 |
| Total interest expense | $1,505,000 | 7,158 |
| Net interest income | $1,844,000 | 6,830 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $464,000 | 5,108 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $416,000 | 3,141 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 7,902 |
| Total noninterest expense | $1,400,000 | 7,001 |
| Salaries and employee benefits | $757,000 | 6,927 |
| Premises and equipment expense | $135,000 | 7,833 |
| Additional noninterest expense | $508,000 | 6,373 |
| Pre-tax net operating income | $908,000 | 5,520 |
| Securities gains (losses) | $-22,000 | 8,788 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $886,000 | 4,731 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $886,000 | 4,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,082 |
| Cash dividends | $635,000 | 3,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $908,000 | 4,652 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,002,000 | 7,379 |
| Total interest expense | $1,268,000 | 7,480 |
| Net interest income | $1,734,000 | 7,138 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $470,000 | 5,146 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $413,000 | 3,138 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,811 |
| Total noninterest expense | $1,321,000 | 7,241 |
| Salaries and employee benefits | $729,000 | 7,087 |
| Premises and equipment expense | $116,000 | 8,318 |
| Additional noninterest expense | $476,000 | 6,697 |
| Pre-tax net operating income | $883,000 | 5,657 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $393,000 | 4,220 |
| Income before extraordinary items | $492,000 | 6,492 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $492,000 | 6,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,010 |
| Cash dividends | $890,000 | 2,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $490,720 | 6,477 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,063,000 | 7,456 |
| Total interest expense | $1,318,000 | 7,622 |
| Net interest income | $1,745,000 | 7,174 |
| Provision for loan and lease losses | $2,000 | 8,582 |
| Total noninterest income | $382,000 | 5,768 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $311,000 | 3,830 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 7,447 |
| Total noninterest expense | $1,307,000 | 7,230 |
| Salaries and employee benefits | $677,000 | 7,323 |
| Premises and equipment expense | $134,000 | 7,988 |
| Additional noninterest expense | $496,000 | 6,473 |
| Pre-tax net operating income | $818,000 | 6,023 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $270,000 | 5,455 |
| Income before extraordinary items | $548,000 | 6,335 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $548,000 | 6,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $270,000 | 4,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $548,000 | 6,223 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,156,000 | 7,568 |
| Total interest expense | $1,364,000 | 7,678 |
| Net interest income | $1,792,000 | 7,341 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $358,000 | 6,108 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $286,000 | 4,225 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,635 |
| Total noninterest expense | $1,309,000 | 7,309 |
| Salaries and employee benefits | $623,000 | 7,769 |
| Premises and equipment expense | $159,000 | 7,611 |
| Additional noninterest expense | $527,000 | 6,295 |
| Pre-tax net operating income | $841,000 | 6,359 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $272,000 | 6,008 |
| Income before extraordinary items | $569,000 | 6,550 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $569,000 | 6,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,261 |
| Cash dividends | $1,385,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $569,000 | 6,493 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,022,000 | 7,966 |
| Total interest expense | $1,207,000 | 8,360 |
| Net interest income | $1,815,000 | 7,540 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $389,000 | 6,035 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $319,000 | 4,038 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,080 |
| Total noninterest expense | $1,334,000 | 7,565 |
| Salaries and employee benefits | $637,000 | 7,913 |
| Premises and equipment expense | $168,000 | 7,663 |
| Additional noninterest expense | $529,000 | 6,844 |
| Pre-tax net operating income | $870,000 | 6,200 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $289,000 | 5,956 |
| Income before extraordinary items | $581,000 | 6,393 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $581,000 | 6,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $581,000 | 6,322 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,223,000 | 7,902 |
| Total interest expense | $1,426,000 | 7,905 |
| Net interest income | $1,797,000 | 7,778 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $437,000 | 5,659 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $333,000 | 3,931 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,102 |
| Total noninterest expense | $1,438,000 | 7,467 |
| Salaries and employee benefits | $682,000 | 7,842 |
| Premises and equipment expense | $147,000 | 8,349 |
| Additional noninterest expense | $609,000 | 6,479 |
| Pre-tax net operating income | $796,000 | 6,846 |
| Securities gains (losses) | $-20,000 | 10,553 |
| Applicable income taxes | $266,000 | 6,426 |
| Income before extraordinary items | $510,000 | 7,172 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $510,000 | 7,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,445 |
| Cash dividends | $264,000 | 4,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $523,200 | 7,057 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,738,000 | 8,485 |
| Total interest expense | $1,013,000 | 8,637 |
| Net interest income | $1,725,000 | 8,240 |
| Provision for loan and lease losses | $-75,000 | 12,082 |
| Total noninterest income | $461,000 | 5,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $348,000 | 3,860 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 7,127 |
| Total noninterest expense | $1,623,000 | 7,222 |
| Salaries and employee benefits | $672,000 | 8,097 |
| Premises and equipment expense | $153,000 | 8,471 |
| Additional noninterest expense | $798,000 | 5,712 |
| Pre-tax net operating income | $638,000 | 7,780 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $233,000 | 6,778 |
| Income before extraordinary items | $405,000 | 8,157 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $405,000 | 8,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $210,000 | 5,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $405,000 | 8,202 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,842,000 | 8,597 |
| Total interest expense | $966,000 | 9,263 |
| Net interest income | $1,876,000 | 8,023 |
| Provision for loan and lease losses | $-252,000 | 13,086 |
| Total noninterest income | $493,000 | 5,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,904 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,644 |
| Total noninterest expense | $1,571,000 | 7,590 |
| Salaries and employee benefits | $646,000 | 8,422 |
| Premises and equipment expense | $117,000 | 9,887 |
| Additional noninterest expense | $808,000 | 5,880 |
| Pre-tax net operating income | $1,050,000 | 5,693 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $368,000 | 5,316 |
| Income before extraordinary items | $682,000 | 6,227 |
| Extraordinary gains, net | $419,000 | 543 |
| Net income | $1,101,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $380,000 | 3,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $682,000 | 5,970 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,386,000 | 8,351 |
| Total interest expense | $1,274,000 | 9,343 |
| Net interest income | $2,112,000 | 7,464 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $559,000 | 5,232 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $293,000 | 4,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $266,000 | 4,770 |
| Total noninterest expense | $1,658,000 | 7,375 |
| Salaries and employee benefits | $580,000 | 8,993 |
| Premises and equipment expense | $138,000 | 9,460 |
| Additional noninterest expense | $940,000 | 5,324 |
| Pre-tax net operating income | $983,000 | 5,698 |
| Securities gains (losses) | $153,000 | 2,394 |
| Applicable income taxes | $375,000 | 5,040 |
| Income before extraordinary items | $761,000 | 5,572 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $761,000 | 5,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 13,191 |
| Cash dividends | $600,000 | 2,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $658,490 | 5,823 |
* 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.