Home > Cyril State Bank > Income and Expense
Cyril State Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,311,000 | 8,056 |
| Total interest expense | $518,000 | 7,884 |
| Net interest income | $793,000 | 8,104 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $252,000 | 6,515 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $101,000 | 6,144 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $151,000 | 5,601 |
| Total noninterest expense | $708,000 | 8,159 |
| Salaries and employee benefits | $455,000 | 7,996 |
| Premises and equipment expense | $55,000 | 8,313 |
| Additional noninterest expense | $198,000 | 8,131 |
| Pre-tax net operating income | $337,000 | 6,995 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $337,000 | 6,756 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $337,000 | 6,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $345,000 | 4,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $337,000 | 6,764 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $974,000 | 8,142 |
| Total interest expense | $376,000 | 7,947 |
| Net interest income | $598,000 | 8,176 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $135,000 | 7,117 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $78,000 | 6,184 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,753 |
| Total noninterest expense | $408,000 | 8,417 |
| Salaries and employee benefits | $227,000 | 8,398 |
| Premises and equipment expense | $41,000 | 8,359 |
| Additional noninterest expense | $140,000 | 8,216 |
| Pre-tax net operating income | $325,000 | 6,898 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $325,000 | 6,598 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $325,000 | 6,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $180,000 | 4,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $325,000 | 6,597 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $631,000 | 8,198 |
| Total interest expense | $241,000 | 7,979 |
| Net interest income | $390,000 | 8,248 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $89,000 | 7,183 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $50,000 | 6,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $39,000 | 6,754 |
| Total noninterest expense | $264,000 | 8,474 |
| Salaries and employee benefits | $152,000 | 8,444 |
| Premises and equipment expense | $27,000 | 8,391 |
| Additional noninterest expense | $85,000 | 8,332 |
| Pre-tax net operating income | $215,000 | 6,986 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $215,000 | 6,636 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $215,000 | 6,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $120,000 | 4,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $215,000 | 6,636 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $303,000 | 8,246 |
| Total interest expense | $115,000 | 8,015 |
| Net interest income | $188,000 | 8,301 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $37,000 | 7,412 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $27,000 | 6,103 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,545 |
| Total noninterest expense | $129,000 | 8,512 |
| Salaries and employee benefits | $73,000 | 8,497 |
| Premises and equipment expense | $11,000 | 8,487 |
| Additional noninterest expense | $45,000 | 8,278 |
| Pre-tax net operating income | $96,000 | 7,108 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $96,000 | 6,799 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $96,000 | 6,800 |
| 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 | $96,000 | 6,797 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,065,000 | 8,276 |
| Total interest expense | $350,000 | 8,049 |
| Net interest income | $715,000 | 8,324 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $174,000 | 7,274 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $105,000 | 6,221 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $69,000 | 6,972 |
| Total noninterest expense | $551,000 | 8,493 |
| Salaries and employee benefits | $341,000 | 8,380 |
| Premises and equipment expense | $45,000 | 8,525 |
| Additional noninterest expense | $165,000 | 8,415 |
| Pre-tax net operating income | $338,000 | 7,266 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $338,000 | 7,020 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $338,000 | 7,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,316 |
| Cash dividends | $240,000 | 4,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $338,000 | 7,004 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $772,000 | 8,346 |
| Total interest expense | $245,000 | 8,124 |
| Net interest income | $527,000 | 8,376 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $134,000 | 7,264 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $79,000 | 6,261 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $55,000 | 6,929 |
| Total noninterest expense | $426,000 | 8,460 |
| Salaries and employee benefits | $267,000 | 8,320 |
| Premises and equipment expense | $32,000 | 8,544 |
| Additional noninterest expense | $127,000 | 8,395 |
| Pre-tax net operating income | $235,000 | 7,499 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $235,000 | 7,273 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $235,000 | 7,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,223 |
| Cash dividends | $180,000 | 4,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $235,000 | 7,235 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $504,000 | 8,373 |
| Total interest expense | $152,000 | 8,166 |
| Net interest income | $352,000 | 8,396 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $87,000 | 7,281 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $51,000 | 6,276 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $36,000 | 6,940 |
| Total noninterest expense | $300,000 | 8,405 |
| Salaries and employee benefits | $196,000 | 8,225 |
| Premises and equipment expense | $20,000 | 8,575 |
| Additional noninterest expense | $84,000 | 8,395 |
| Pre-tax net operating income | $139,000 | 7,613 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $139,000 | 7,435 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $139,000 | 7,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,825 |
| Cash dividends | $120,000 | 4,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $139,000 | 7,389 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $246,000 | 8,458 |
| Total interest expense | $72,000 | 8,236 |
| Net interest income | $174,000 | 8,485 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $45,000 | 7,228 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $26,000 | 6,203 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,923 |
| Total noninterest expense | $121,000 | 8,643 |
| Salaries and employee benefits | $72,000 | 8,584 |
| Premises and equipment expense | $10,000 | 8,622 |
| Additional noninterest expense | $39,000 | 8,517 |
| Pre-tax net operating income | $98,000 | 7,251 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $98,000 | 6,933 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $98,000 | 6,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,691 |
| Cash dividends | $60,000 | 3,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $98,000 | 6,907 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $946,000 | 8,440 |
| Total interest expense | $269,000 | 8,220 |
| Net interest income | $677,000 | 8,469 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $178,000 | 7,346 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $116,000 | 6,239 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $62,000 | 7,147 |
| Total noninterest expense | $507,000 | 8,662 |
| Salaries and employee benefits | $305,000 | 8,588 |
| Premises and equipment expense | $44,000 | 8,671 |
| Additional noninterest expense | $158,000 | 8,550 |
| Pre-tax net operating income | $348,000 | 7,279 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $348,000 | 7,026 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $348,000 | 7,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $252,000 | 4,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $348,000 | 6,970 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $703,000 | 8,490 |
| Total interest expense | $201,000 | 8,255 |
| Net interest income | $502,000 | 8,523 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $138,000 | 7,340 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $88,000 | 6,250 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $50,000 | 7,056 |
| Total noninterest expense | $376,000 | 8,679 |
| Salaries and employee benefits | $227,000 | 8,606 |
| Premises and equipment expense | $31,000 | 8,728 |
| Additional noninterest expense | $118,000 | 8,563 |
| Pre-tax net operating income | $264,000 | 7,397 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $264,000 | 7,126 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $264,000 | 7,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,006 |
| Cash dividends | $177,000 | 4,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $264,000 | 7,061 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $471,000 | 8,544 |
| Total interest expense | $133,000 | 8,330 |
| Net interest income | $338,000 | 8,562 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $90,000 | 7,409 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $56,000 | 6,337 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $34,000 | 7,048 |
| Total noninterest expense | $248,000 | 8,743 |
| Salaries and employee benefits | $152,000 | 8,661 |
| Premises and equipment expense | $20,000 | 8,782 |
| Additional noninterest expense | $76,000 | 8,639 |
| Pre-tax net operating income | $180,000 | 7,343 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $180,000 | 7,077 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $180,000 | 7,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,878 |
| Cash dividends | $123,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $180,000 | 7,008 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $241,000 | 8,579 |
| Total interest expense | $67,000 | 8,379 |
| Net interest income | $174,000 | 8,575 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $35,000 | 7,776 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $28,000 | 6,308 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $7,000 | 8,076 |
| Total noninterest expense | $125,000 | 8,778 |
| Salaries and employee benefits | $75,000 | 8,714 |
| Premises and equipment expense | $10,000 | 8,791 |
| Additional noninterest expense | $40,000 | 8,633 |
| Pre-tax net operating income | $84,000 | 7,410 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $84,000 | 7,156 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $84,000 | 7,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $84,000 | 7,075 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,032,000 | 8,558 |
| Total interest expense | $317,000 | 8,408 |
| Net interest income | $715,000 | 8,540 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $196,000 | 7,390 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $128,000 | 6,168 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $68,000 | 7,154 |
| Total noninterest expense | $510,000 | 8,827 |
| Salaries and employee benefits | $310,000 | 8,738 |
| Premises and equipment expense | $46,000 | 8,828 |
| Additional noninterest expense | $154,000 | 8,736 |
| Pre-tax net operating income | $401,000 | 7,040 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $401,000 | 6,811 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $401,000 | 6,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $291,000 | 4,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $401,000 | 6,652 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $784,000 | 8,631 |
| Total interest expense | $249,000 | 8,475 |
| Net interest income | $535,000 | 8,611 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $146,000 | 7,437 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $97,000 | 6,184 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $49,000 | 7,244 |
| Total noninterest expense | $372,000 | 8,877 |
| Salaries and employee benefits | $223,000 | 8,794 |
| Premises and equipment expense | $34,000 | 8,874 |
| Additional noninterest expense | $115,000 | 8,766 |
| Pre-tax net operating income | $309,000 | 7,132 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $309,000 | 6,904 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $309,000 | 6,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $216,000 | 3,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $309,000 | 6,733 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $534,000 | 8,661 |
| Total interest expense | $175,000 | 8,505 |
| Net interest income | $359,000 | 8,637 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $98,000 | 7,437 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $67,000 | 6,104 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $31,000 | 7,275 |
| Total noninterest expense | $248,000 | 8,897 |
| Salaries and employee benefits | $147,000 | 8,829 |
| Premises and equipment expense | $23,000 | 8,876 |
| Additional noninterest expense | $78,000 | 8,758 |
| Pre-tax net operating income | $209,000 | 7,137 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $209,000 | 6,891 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $209,000 | 6,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $150,000 | 3,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $209,000 | 6,690 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $272,000 | 8,709 |
| Total interest expense | $89,000 | 8,572 |
| Net interest income | $183,000 | 8,678 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $40,000 | 7,748 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $35,000 | 5,954 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $120,000 | 8,969 |
| Salaries and employee benefits | $70,000 | 8,910 |
| Premises and equipment expense | $12,000 | 8,854 |
| Additional noninterest expense | $38,000 | 8,839 |
| Pre-tax net operating income | $103,000 | 7,150 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $103,000 | 6,838 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $103,000 | 6,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $103,000 | 6,674 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,206,000 | 8,675 |
| Total interest expense | $467,000 | 8,473 |
| Net interest income | $739,000 | 8,681 |
| Provision for loan and lease losses | $10,000 | 7,810 |
| Total noninterest income | $189,000 | 7,430 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $126,000 | 6,161 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $63,000 | 7,257 |
| Total noninterest expense | $534,000 | 8,919 |
| Salaries and employee benefits | $329,000 | 8,782 |
| Premises and equipment expense | $49,000 | 8,917 |
| Additional noninterest expense | $156,000 | 8,835 |
| Pre-tax net operating income | $384,000 | 7,226 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $384,000 | 6,913 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $384,000 | 6,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $259,000 | 4,548 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $384,000 | 6,791 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,461,000 | 8,764 |
| Total interest expense | $731,000 | 8,571 |
| Net interest income | $730,000 | 8,799 |
| Provision for loan and lease losses | $100,000 | 5,578 |
| Total noninterest income | $275,000 | 6,625 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $142,000 | 5,910 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $133,000 | 5,774 |
| Total noninterest expense | $524,000 | 9,127 |
| Salaries and employee benefits | $323,000 | 8,967 |
| Premises and equipment expense | $42,000 | 9,264 |
| Additional noninterest expense | $159,000 | 8,985 |
| Pre-tax net operating income | $381,000 | 7,067 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $381,000 | 6,679 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $381,000 | 6,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,035 |
| Cash dividends | $282,000 | 4,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $381,000 | 6,544 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,540,000 | 8,902 |
| Total interest expense | $757,000 | 8,737 |
| Net interest income | $783,000 | 8,941 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $212,000 | 7,147 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 5,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,272 |
| Total noninterest expense | $525,000 | 9,329 |
| Salaries and employee benefits | $331,000 | 9,102 |
| Premises and equipment expense | $43,000 | 9,495 |
| Additional noninterest expense | $151,000 | 9,225 |
| Pre-tax net operating income | $470,000 | 7,147 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $470,000 | 6,479 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $470,000 | 6,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $315,000 | 4,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $470,000 | 6,498 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,467,000 | 9,115 |
| Total interest expense | $644,000 | 9,093 |
| Net interest income | $823,000 | 9,007 |
| Provision for loan and lease losses | $6,000 | 8,268 |
| Total noninterest income | $215,000 | 7,320 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 5,718 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,811 |
| Total noninterest expense | $517,000 | 9,589 |
| Salaries and employee benefits | $335,000 | 9,287 |
| Premises and equipment expense | $42,000 | 9,798 |
| Additional noninterest expense | $140,000 | 9,603 |
| Pre-tax net operating income | $515,000 | 7,076 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $515,000 | 6,335 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $515,000 | 6,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 9,636 |
| Cash dividends | $353,000 | 4,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $515,000 | 6,313 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,406,000 | 9,410 |
| Total interest expense | $650,000 | 9,340 |
| Net interest income | $756,000 | 9,360 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $224,000 | 7,286 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 5,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,063 |
| Total noninterest expense | $512,000 | 9,736 |
| Salaries and employee benefits | $328,000 | 9,446 |
| Premises and equipment expense | $35,000 | 10,109 |
| Additional noninterest expense | $149,000 | 9,666 |
| Pre-tax net operating income | $468,000 | 7,540 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $13,000 | 9,016 |
| Income before extraordinary items | $455,000 | 6,881 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $455,000 | 6,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,285 |
| Cash dividends | $270,000 | 4,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $455,000 | 6,773 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,376,000 | 9,840 |
| Total interest expense | $639,000 | 9,717 |
| Net interest income | $737,000 | 9,841 |
| Provision for loan and lease losses | $15,000 | 8,110 |
| Total noninterest income | $199,000 | 7,854 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 5,707 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,735 |
| Total noninterest expense | $516,000 | 10,076 |
| Salaries and employee benefits | $338,000 | 9,676 |
| Premises and equipment expense | $34,000 | 10,554 |
| Additional noninterest expense | $144,000 | 10,070 |
| Pre-tax net operating income | $405,000 | 8,421 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-26,000 | 10,573 |
| Income before extraordinary items | $431,000 | 7,427 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $431,000 | 7,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $236,000 | 5,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $431,000 | 7,384 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,353,000 | 10,314 |
| Total interest expense | $560,000 | 10,409 |
| Net interest income | $793,000 | 10,130 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $209,000 | 8,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 5,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,237 |
| Total noninterest expense | $529,000 | 10,467 |
| Salaries and employee benefits | $338,000 | 10,046 |
| Premises and equipment expense | $62,000 | 10,297 |
| Additional noninterest expense | $129,000 | 10,805 |
| Pre-tax net operating income | $473,000 | 8,101 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $116,000 | 8,455 |
| Income before extraordinary items | $357,000 | 7,943 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $357,000 | 7,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,972 |
| Cash dividends | $141,000 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $-1,200,000 | 11,433 |
| Net operating income | $357,000 | 7,884 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,288,000 | 10,856 |
| Total interest expense | $542,000 | 10,877 |
| Net interest income | $746,000 | 10,698 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $177,000 | 8,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,833 |
| Total noninterest expense | $525,000 | 10,917 |
| Salaries and employee benefits | $337,000 | 10,423 |
| Premises and equipment expense | $51,000 | 11,056 |
| Additional noninterest expense | $137,000 | 11,219 |
| Pre-tax net operating income | $398,000 | 9,079 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $92,000 | 9,345 |
| Income before extraordinary items | $306,000 | 8,880 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $306,000 | 8,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,475 |
| Cash dividends | $132,000 | 6,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $306,000 | 8,850 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,166,000 | 11,414 |
| Total interest expense | $405,000 | 11,561 |
| Net interest income | $761,000 | 11,174 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $162,000 | 9,470 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 7,131 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,301 |
| Total noninterest expense | $542,000 | 11,392 |
| Salaries and employee benefits | $327,000 | 10,954 |
| Premises and equipment expense | $58,000 | 11,368 |
| Additional noninterest expense | $157,000 | 11,703 |
| Pre-tax net operating income | $381,000 | 9,510 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $88,000 | 9,626 |
| Income before extraordinary items | $293,000 | 9,217 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $293,000 | 9,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 11,116 |
| Cash dividends | $132,000 | 6,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $293,000 | 9,287 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 12,030 |
| Total interest expense | $345,000 | 12,463 |
| Net interest income | $783,000 | 11,566 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $150,000 | 10,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 12,333 |
| Total noninterest expense | $540,000 | 11,968 |
| Salaries and employee benefits | $317,000 | 11,477 |
| Premises and equipment expense | $71,000 | 11,459 |
| Additional noninterest expense | $152,000 | 12,398 |
| Pre-tax net operating income | $393,000 | 9,463 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $102,000 | 9,679 |
| Income before extraordinary items | $291,000 | 9,597 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $291,000 | 9,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $132,000 | 6,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $291,000 | 9,323 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,202,000 | 12,598 |
| Total interest expense | $412,000 | 13,141 |
| Net interest income | $790,000 | 11,945 |
| Provision for loan and lease losses | $55,000 | 8,828 |
| Total noninterest income | $144,000 | 10,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 7,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 12,822 |
| Total noninterest expense | $534,000 | 12,430 |
| Salaries and employee benefits | $306,000 | 11,946 |
| Premises and equipment expense | $67,000 | 11,992 |
| Additional noninterest expense | $161,000 | 12,768 |
| Pre-tax net operating income | $345,000 | 9,735 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $89,000 | 10,194 |
| Income before extraordinary items | $256,000 | 9,837 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $256,000 | 9,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 8,392 |
| Cash dividends | $132,000 | 6,016 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $256,000 | 9,474 |
* 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.