Home > Crystal River Bank > Income and Expense
Crystal River Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,178,000 | 6,735 |
| Total interest expense | $1,190,000 | 6,888 |
| Net interest income | $1,988,000 | 6,517 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $542,000 | 4,849 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $449,000 | 3,296 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $93,000 | 6,320 |
| Total noninterest expense | $2,092,000 | 6,098 |
| Salaries and employee benefits | $1,005,000 | 6,419 |
| Premises and equipment expense | $130,000 | 7,441 |
| Additional noninterest expense | $957,000 | 4,786 |
| Pre-tax net operating income | $438,000 | 6,164 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $438,000 | 5,904 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $438,000 | 5,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,625 |
| Cash dividends | $440,000 | 3,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $438,000 | 5,901 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,411,000 | 6,736 |
| Total interest expense | $870,000 | 6,951 |
| Net interest income | $1,541,000 | 6,473 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $411,000 | 4,841 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $343,000 | 3,236 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $68,000 | 6,381 |
| Total noninterest expense | $1,620,000 | 5,983 |
| Salaries and employee benefits | $788,000 | 6,323 |
| Premises and equipment expense | $98,000 | 7,418 |
| Additional noninterest expense | $734,000 | 4,665 |
| Pre-tax net operating income | $332,000 | 6,439 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $332,000 | 6,149 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $332,000 | 6,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,320 |
| Cash dividends | $240,000 | 3,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $332,000 | 6,137 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,627,000 | 6,742 |
| Total interest expense | $559,000 | 7,046 |
| Net interest income | $1,068,000 | 6,439 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $278,000 | 4,837 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $234,000 | 3,159 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $44,000 | 6,471 |
| Total noninterest expense | $1,099,000 | 5,979 |
| Salaries and employee benefits | $533,000 | 6,343 |
| Premises and equipment expense | $63,000 | 7,498 |
| Additional noninterest expense | $503,000 | 4,565 |
| Pre-tax net operating income | $247,000 | 6,375 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $247,000 | 6,041 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $247,000 | 6,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $140,000 | 4,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $247,000 | 6,023 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $819,000 | 6,770 |
| Total interest expense | $270,000 | 7,115 |
| Net interest income | $549,000 | 6,403 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $145,000 | 4,721 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $123,000 | 3,011 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $22,000 | 6,474 |
| Total noninterest expense | $548,000 | 6,027 |
| Salaries and employee benefits | $265,000 | 6,405 |
| Premises and equipment expense | $27,000 | 7,716 |
| Additional noninterest expense | $256,000 | 4,457 |
| Pre-tax net operating income | $146,000 | 6,101 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $146,000 | 5,695 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $146,000 | 5,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $146,000 | 5,681 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,276,000 | 6,576 |
| Total interest expense | $812,000 | 7,304 |
| Net interest income | $2,464,000 | 6,070 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $628,000 | 4,613 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $515,000 | 2,988 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $113,000 | 6,126 |
| Total noninterest expense | $2,211,000 | 5,861 |
| Salaries and employee benefits | $1,045,000 | 6,299 |
| Premises and equipment expense | $131,000 | 7,480 |
| Additional noninterest expense | $1,035,000 | 4,398 |
| Pre-tax net operating income | $881,000 | 5,452 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $881,000 | 4,993 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $881,000 | 4,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $875,000 | 2,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $881,000 | 4,986 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,458,000 | 6,607 |
| Total interest expense | $559,000 | 7,434 |
| Net interest income | $1,899,000 | 6,051 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $471,000 | 4,646 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $379,000 | 3,049 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $92,000 | 5,992 |
| Total noninterest expense | $1,689,000 | 5,795 |
| Salaries and employee benefits | $793,000 | 6,258 |
| Premises and equipment expense | $99,000 | 7,479 |
| Additional noninterest expense | $797,000 | 4,274 |
| Pre-tax net operating income | $681,000 | 5,597 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $681,000 | 5,060 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $681,000 | 5,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $200,000 | 4,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $681,000 | 5,056 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,643,000 | 6,582 |
| Total interest expense | $363,000 | 7,429 |
| Net interest income | $1,280,000 | 6,045 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $317,000 | 4,591 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $249,000 | 3,061 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 5,845 |
| Total noninterest expense | $1,152,000 | 5,746 |
| Salaries and employee benefits | $534,000 | 6,254 |
| Premises and equipment expense | $60,000 | 7,622 |
| Additional noninterest expense | $558,000 | 4,138 |
| Pre-tax net operating income | $445,000 | 5,672 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $445,000 | 5,153 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $445,000 | 5,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $200,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $445,000 | 5,151 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $830,000 | 6,550 |
| Total interest expense | $183,000 | 7,383 |
| Net interest income | $647,000 | 6,045 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $145,000 | 4,759 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $125,000 | 2,993 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $572,000 | 5,769 |
| Salaries and employee benefits | $268,000 | 6,251 |
| Premises and equipment expense | $28,000 | 7,712 |
| Additional noninterest expense | $276,000 | 4,166 |
| Pre-tax net operating income | $220,000 | 5,638 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $220,000 | 5,124 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $220,000 | 5,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $220,000 | 5,117 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,401,000 | 6,269 |
| Total interest expense | $563,000 | 7,433 |
| Net interest income | $2,838,000 | 5,673 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $601,000 | 4,779 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $523,000 | 2,966 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $78,000 | 6,787 |
| Total noninterest expense | $2,313,000 | 5,622 |
| Salaries and employee benefits | $1,064,000 | 6,181 |
| Premises and equipment expense | $134,000 | 7,473 |
| Additional noninterest expense | $1,115,000 | 4,084 |
| Pre-tax net operating income | $1,126,000 | 5,048 |
| Securities gains (losses) | $68,000 | 840 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,194,000 | 4,363 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,194,000 | 4,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $1,165,000 | 2,207 |
| Sale, conversion, retirement of capital stock, net | $-2,599,000 | 8,822 |
| Net operating income | $1,126,000 | 4,454 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,536,000 | 6,272 |
| Total interest expense | $383,000 | 7,544 |
| Net interest income | $2,153,000 | 5,653 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $460,000 | 4,762 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $400,000 | 2,914 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $60,000 | 6,768 |
| Total noninterest expense | $1,738,000 | 5,583 |
| Salaries and employee benefits | $799,000 | 6,137 |
| Premises and equipment expense | $100,000 | 7,471 |
| Additional noninterest expense | $839,000 | 4,037 |
| Pre-tax net operating income | $875,000 | 5,097 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $875,000 | 4,526 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $875,000 | 4,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $585,000 | 2,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $875,000 | 4,487 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,656,000 | 6,282 |
| Total interest expense | $218,000 | 7,727 |
| Net interest income | $1,438,000 | 5,627 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $298,000 | 4,804 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $256,000 | 2,965 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $42,000 | 6,689 |
| Total noninterest expense | $1,147,000 | 5,614 |
| Salaries and employee benefits | $531,000 | 6,160 |
| Premises and equipment expense | $62,000 | 7,574 |
| Additional noninterest expense | $554,000 | 4,042 |
| Pre-tax net operating income | $589,000 | 5,051 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $589,000 | 4,464 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $589,000 | 4,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $295,000 | 3,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $589,000 | 4,414 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $815,000 | 6,333 |
| Total interest expense | $98,000 | 7,869 |
| Net interest income | $717,000 | 5,664 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $152,000 | 4,678 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $129,000 | 2,862 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $23,000 | 6,629 |
| Total noninterest expense | $573,000 | 5,652 |
| Salaries and employee benefits | $269,000 | 6,146 |
| Premises and equipment expense | $29,000 | 7,764 |
| Additional noninterest expense | $275,000 | 4,067 |
| Pre-tax net operating income | $296,000 | 5,029 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $296,000 | 4,414 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $296,000 | 4,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $296,000 | 4,372 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,200,000 | 6,246 |
| Total interest expense | $427,000 | 7,579 |
| Net interest income | $2,773,000 | 5,677 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $605,000 | 4,795 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $526,000 | 3,021 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $79,000 | 6,787 |
| Total noninterest expense | $2,271,000 | 5,593 |
| Salaries and employee benefits | $1,067,000 | 6,074 |
| Premises and equipment expense | $139,000 | 7,453 |
| Additional noninterest expense | $1,065,000 | 4,129 |
| Pre-tax net operating income | $1,107,000 | 4,985 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,107,000 | 4,411 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,107,000 | 4,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $1,085,000 | 2,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,107,000 | 4,343 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,386,000 | 6,264 |
| Total interest expense | $324,000 | 7,583 |
| Net interest income | $2,062,000 | 5,693 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $454,000 | 4,805 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $395,000 | 3,036 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $59,000 | 6,825 |
| Total noninterest expense | $1,719,000 | 5,549 |
| Salaries and employee benefits | $806,000 | 6,002 |
| Premises and equipment expense | $105,000 | 7,429 |
| Additional noninterest expense | $808,000 | 4,057 |
| Pre-tax net operating income | $797,000 | 5,189 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $797,000 | 4,639 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $797,000 | 4,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $490,000 | 2,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $797,000 | 4,550 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,582,000 | 6,297 |
| Total interest expense | $219,000 | 7,627 |
| Net interest income | $1,363,000 | 5,715 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $292,000 | 4,893 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $254,000 | 3,106 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $38,000 | 6,883 |
| Total noninterest expense | $1,153,000 | 5,562 |
| Salaries and employee benefits | $540,000 | 6,023 |
| Premises and equipment expense | $68,000 | 7,517 |
| Additional noninterest expense | $545,000 | 4,043 |
| Pre-tax net operating income | $502,000 | 5,296 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $502,000 | 4,732 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $502,000 | 4,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $240,000 | 3,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $502,000 | 4,635 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $788,000 | 6,319 |
| Total interest expense | $113,000 | 7,644 |
| Net interest income | $675,000 | 5,754 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $141,000 | 4,934 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $120,000 | 3,159 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $21,000 | 6,731 |
| Total noninterest expense | $569,000 | 5,617 |
| Salaries and employee benefits | $272,000 | 6,053 |
| Premises and equipment expense | $31,000 | 7,720 |
| Additional noninterest expense | $266,000 | 4,111 |
| Pre-tax net operating income | $247,000 | 5,314 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $247,000 | 4,791 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $247,000 | 4,790 |
| 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 | $247,000 | 4,672 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,651,000 | 5,922 |
| Total interest expense | $604,000 | 7,374 |
| Net interest income | $3,047,000 | 5,265 |
| Provision for loan and lease losses | $96,000 | 5,391 |
| Total noninterest income | $614,000 | 4,906 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $532,000 | 2,954 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $82,000 | 6,847 |
| Total noninterest expense | $2,189,000 | 5,697 |
| Salaries and employee benefits | $1,032,000 | 6,156 |
| Premises and equipment expense | $121,000 | 7,796 |
| Additional noninterest expense | $1,036,000 | 4,157 |
| Pre-tax net operating income | $1,376,000 | 4,350 |
| Securities gains (losses) | $33,000 | 2,848 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,409,000 | 3,714 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,409,000 | 3,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $1,420,000 | 1,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,376,000 | 3,621 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,812,000 | 5,919 |
| Total interest expense | $481,000 | 7,409 |
| Net interest income | $2,331,000 | 5,221 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $453,000 | 4,999 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $389,000 | 3,014 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $64,000 | 6,840 |
| Total noninterest expense | $1,649,000 | 5,661 |
| Salaries and employee benefits | $779,000 | 6,100 |
| Premises and equipment expense | $90,000 | 7,812 |
| Additional noninterest expense | $780,000 | 4,136 |
| Pre-tax net operating income | $1,045,000 | 4,433 |
| Securities gains (losses) | $34,000 | 2,597 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,079,000 | 3,801 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,079,000 | 3,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $675,000 | 2,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,045,000 | 3,718 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,901,000 | 5,916 |
| Total interest expense | $348,000 | 7,343 |
| Net interest income | $1,553,000 | 5,228 |
| Provision for loan and lease losses | $66,000 | 4,590 |
| Total noninterest income | $304,000 | 4,955 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $259,000 | 2,981 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $1,106,000 | 5,628 |
| Salaries and employee benefits | $524,000 | 6,086 |
| Premises and equipment expense | $54,000 | 7,986 |
| Additional noninterest expense | $528,000 | 4,066 |
| Pre-tax net operating income | $685,000 | 4,487 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $685,000 | 3,926 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $685,000 | 3,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $375,000 | 2,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $685,000 | 3,743 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $960,000 | 5,900 |
| Total interest expense | $182,000 | 7,323 |
| Net interest income | $778,000 | 5,200 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $159,000 | 4,741 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $137,000 | 2,770 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 6,771 |
| Total noninterest expense | $552,000 | 5,622 |
| Salaries and employee benefits | $263,000 | 6,080 |
| Premises and equipment expense | $25,000 | 8,112 |
| Additional noninterest expense | $264,000 | 4,045 |
| Pre-tax net operating income | $379,000 | 4,174 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $379,000 | 3,607 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 3,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $379,000 | 3,434 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,047,000 | 5,870 |
| Total interest expense | $953,000 | 7,057 |
| Net interest income | $3,094,000 | 5,184 |
| Provision for loan and lease losses | $24,000 | 7,371 |
| Total noninterest income | $654,000 | 4,503 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $558,000 | 2,713 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $96,000 | 6,527 |
| Total noninterest expense | $2,110,000 | 5,686 |
| Salaries and employee benefits | $987,000 | 6,188 |
| Premises and equipment expense | $127,000 | 7,789 |
| Additional noninterest expense | $996,000 | 4,194 |
| Pre-tax net operating income | $1,614,000 | 3,916 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,614,000 | 3,306 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,614,000 | 3,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $1,600,000 | 1,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,614,000 | 3,212 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,312,000 | 6,096 |
| Total interest expense | $1,829,000 | 6,371 |
| Net interest income | $2,483,000 | 5,741 |
| Provision for loan and lease losses | $16,000 | 7,702 |
| Total noninterest income | $591,000 | 4,617 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $504,000 | 2,826 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $87,000 | 6,726 |
| Total noninterest expense | $1,990,000 | 5,744 |
| Salaries and employee benefits | $905,000 | 6,347 |
| Premises and equipment expense | $123,000 | 7,956 |
| Additional noninterest expense | $962,000 | 4,195 |
| Pre-tax net operating income | $1,068,000 | 4,726 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,068,000 | 4,101 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,068,000 | 4,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,788 |
| Cash dividends | $1,050,000 | 2,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,068,000 | 3,977 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,562,000 | 6,048 |
| Total interest expense | $1,955,000 | 6,338 |
| Net interest income | $2,607,000 | 5,651 |
| Provision for loan and lease losses | $3,000 | 8,228 |
| Total noninterest income | $584,000 | 4,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $487,000 | 2,755 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 6,509 |
| Total noninterest expense | $1,934,000 | 5,793 |
| Salaries and employee benefits | $849,000 | 6,503 |
| Premises and equipment expense | $113,000 | 8,218 |
| Additional noninterest expense | $972,000 | 4,070 |
| Pre-tax net operating income | $1,254,000 | 4,615 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,254,000 | 3,745 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,254,000 | 3,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $1,245,000 | 1,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,254,000 | 3,727 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,598,000 | 5,860 |
| Total interest expense | $2,001,000 | 5,999 |
| Net interest income | $2,597,000 | 5,665 |
| Provision for loan and lease losses | $2,000 | 8,441 |
| Total noninterest income | $540,000 | 4,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $433,000 | 2,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,470 |
| Total noninterest expense | $1,962,000 | 5,762 |
| Salaries and employee benefits | $819,000 | 6,667 |
| Premises and equipment expense | $121,000 | 8,213 |
| Additional noninterest expense | $1,022,000 | 3,950 |
| Pre-tax net operating income | $1,173,000 | 4,828 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,173,000 | 3,945 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,173,000 | 3,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $1,170,000 | 2,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,173,000 | 3,915 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,893,000 | 5,768 |
| Total interest expense | $2,253,000 | 5,740 |
| Net interest income | $2,640,000 | 5,637 |
| Provision for loan and lease losses | $24,000 | 7,567 |
| Total noninterest income | $476,000 | 5,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $396,000 | 3,162 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,189 |
| Total noninterest expense | $1,895,000 | 5,804 |
| Salaries and employee benefits | $780,000 | 6,774 |
| Premises and equipment expense | $117,000 | 8,342 |
| Additional noninterest expense | $998,000 | 3,970 |
| Pre-tax net operating income | $1,197,000 | 4,891 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $1,197,000 | 3,939 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,197,000 | 3,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $1,185,000 | 1,975 |
| Sale, conversion, retirement of capital stock, net | $-592,000 | 10,402 |
| Net operating income | $1,197,000 | 3,850 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,859,000 | 5,916 |
| Total interest expense | $2,117,000 | 6,056 |
| Net interest income | $2,742,000 | 5,678 |
| Provision for loan and lease losses | $8,000 | 8,510 |
| Total noninterest income | $464,000 | 5,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $373,000 | 3,419 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,039 |
| Total noninterest expense | $1,830,000 | 6,013 |
| Salaries and employee benefits | $756,000 | 6,991 |
| Premises and equipment expense | $121,000 | 8,469 |
| Additional noninterest expense | $953,000 | 4,077 |
| Pre-tax net operating income | $1,368,000 | 4,792 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $44,000 | 9,342 |
| Income before extraordinary items | $1,324,000 | 3,743 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,324,000 | 3,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $1,290,000 | 1,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,324,000 | 3,670 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,914,000 | 6,018 |
| Total interest expense | $2,024,000 | 6,364 |
| Net interest income | $2,890,000 | 5,592 |
| Provision for loan and lease losses | $22,000 | 7,876 |
| Total noninterest income | $470,000 | 5,380 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $350,000 | 3,755 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 6,594 |
| Total noninterest expense | $1,803,000 | 6,378 |
| Salaries and employee benefits | $763,000 | 7,181 |
| Premises and equipment expense | $143,000 | 8,222 |
| Additional noninterest expense | $897,000 | 4,767 |
| Pre-tax net operating income | $1,535,000 | 4,253 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $538,000 | 3,913 |
| Income before extraordinary items | $997,000 | 4,528 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $997,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $815,000 | 2,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $997,000 | 4,471 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,127,000 | 5,879 |
| Total interest expense | $2,296,000 | 5,896 |
| Net interest income | $2,831,000 | 5,760 |
| Provision for loan and lease losses | $9,000 | 8,431 |
| Total noninterest income | $444,000 | 5,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,797 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 7,327 |
| Total noninterest expense | $1,868,000 | 6,312 |
| Salaries and employee benefits | $750,000 | 7,398 |
| Premises and equipment expense | $115,000 | 9,181 |
| Additional noninterest expense | $1,003,000 | 4,339 |
| Pre-tax net operating income | $1,398,000 | 4,699 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $526,000 | 4,034 |
| Income before extraordinary items | $872,000 | 5,110 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $872,000 | 5,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $1,375,000 | 1,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $872,000 | 5,099 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,505,000 | 5,239 |
| Total interest expense | $1,975,000 | 5,669 |
| Net interest income | $3,530,000 | 4,907 |
| Provision for loan and lease losses | $13,000 | 8,228 |
| Total noninterest income | $399,000 | 6,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $320,000 | 4,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,286 |
| Total noninterest expense | $1,861,000 | 6,543 |
| Salaries and employee benefits | $719,000 | 7,740 |
| Premises and equipment expense | $98,000 | 10,100 |
| Additional noninterest expense | $1,044,000 | 4,548 |
| Pre-tax net operating income | $2,055,000 | 3,349 |
| Securities gains (losses) | $38,000 | 1,321 |
| Applicable income taxes | $789,000 | 2,807 |
| Income before extraordinary items | $1,304,000 | 3,576 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,304,000 | 3,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $975,000 | 1,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,279,680 | 3,683 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,497,000 | 5,336 |
| Total interest expense | $1,753,000 | 6,474 |
| Net interest income | $3,744,000 | 4,675 |
| Provision for loan and lease losses | $17,000 | 9,280 |
| Total noninterest income | $386,000 | 6,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $314,000 | 4,257 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,988 |
| Total noninterest expense | $1,796,000 | 6,901 |
| Salaries and employee benefits | $717,000 | 7,892 |
| Premises and equipment expense | $110,000 | 10,124 |
| Additional noninterest expense | $969,000 | 5,050 |
| Pre-tax net operating income | $2,317,000 | 2,911 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $849,000 | 2,631 |
| Income before extraordinary items | $1,468,000 | 3,305 |
| Extraordinary gains, net | $205,000 | 992 |
| Net income | $1,673,000 | 3,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $1,500,000 | 1,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,468,000 | 3,133 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,895,000 | 5,572 |
| Total interest expense | $2,451,000 | 6,081 |
| Net interest income | $3,444,000 | 5,075 |
| Provision for loan and lease losses | $23,000 | 10,448 |
| Total noninterest income | $351,000 | 7,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,743 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 9,058 |
| Total noninterest expense | $1,611,000 | 7,540 |
| Salaries and employee benefits | $653,000 | 8,365 |
| Premises and equipment expense | $105,000 | 10,550 |
| Additional noninterest expense | $853,000 | 5,775 |
| Pre-tax net operating income | $2,161,000 | 2,876 |
| Securities gains (losses) | $345,000 | 1,411 |
| Applicable income taxes | $590,000 | 3,476 |
| Income before extraordinary items | $1,916,000 | 2,387 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,916,000 | 2,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $2,400,000 | 718 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,653,800 | 2,577 |
* 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.