Home > First Citizens Bank of Billings > Income and Expense
First Citizens Bank of Billings, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,092,000 | 6,711 |
| Total interest expense | $801,000 | 7,321 |
| Net interest income | $2,291,000 | 6,234 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $234,000 | 6,647 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $173,000 | 5,258 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $61,000 | 7,036 |
| Total noninterest expense | $1,201,000 | 7,378 |
| Salaries and employee benefits | $554,000 | 7,725 |
| Premises and equipment expense | $151,000 | 7,250 |
| Additional noninterest expense | $496,000 | 6,557 |
| Pre-tax net operating income | $1,324,000 | 4,564 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $551,000 | 3,004 |
| Income before extraordinary items | $773,000 | 5,286 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $773,000 | 5,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $662,000 | 943 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $773,000 | 5,283 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,042,000 | 3,364 |
| Total interest expense | $2,188,000 | 4,304 |
| Net interest income | $5,854,000 | 2,831 |
| Provision for loan and lease losses | $1,500,000 | 524 |
| Total noninterest income | $718,000 | 3,662 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $514,000 | 2,424 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $204,000 | 4,502 |
| Total noninterest expense | $3,808,000 | 3,304 |
| Salaries and employee benefits | $2,030,000 | 3,405 |
| Premises and equipment expense | $501,000 | 3,470 |
| Additional noninterest expense | $1,277,000 | 2,954 |
| Pre-tax net operating income | $1,264,000 | 4,172 |
| Securities gains (losses) | $-90,000 | 8,371 |
| Applicable income taxes | $406,000 | 3,156 |
| Income before extraordinary items | $768,000 | 4,794 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $768,000 | 4,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $652,000 | 660 |
| Cash dividends | $1,001,000 | 1,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $826,500 | 4,621 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,140,000 | 3,438 |
| Total interest expense | $1,336,000 | 4,405 |
| Net interest income | $3,804,000 | 2,916 |
| Provision for loan and lease losses | $1,500,000 | 341 |
| Total noninterest income | $440,000 | 3,820 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $322,000 | 2,527 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $118,000 | 4,784 |
| Total noninterest expense | $2,628,000 | 3,216 |
| Salaries and employee benefits | $1,410,000 | 3,303 |
| Premises and equipment expense | $346,000 | 3,355 |
| Additional noninterest expense | $872,000 | 2,902 |
| Pre-tax net operating income | $116,000 | 7,593 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $24,000 | 5,702 |
| Income before extraordinary items | $92,000 | 7,593 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $92,000 | 7,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,157 |
| Cash dividends | $1,001,000 | 1,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $92,000 | 7,597 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,435,000 | 3,507 |
| Total interest expense | $597,000 | 4,587 |
| Net interest income | $1,838,000 | 2,993 |
| Provision for loan and lease losses | $1,500,000 | 197 |
| Total noninterest income | $225,000 | 3,715 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $155,000 | 2,531 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $70,000 | 4,434 |
| Total noninterest expense | $1,370,000 | 3,115 |
| Salaries and employee benefits | $773,000 | 3,063 |
| Premises and equipment expense | $172,000 | 3,386 |
| Additional noninterest expense | $425,000 | 2,953 |
| Pre-tax net operating income | $-807,000 | 8,742 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-326,000 | 8,755 |
| Income before extraordinary items | $-481,000 | 8,703 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-481,000 | 8,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,296 |
| Cash dividends | $1,001,000 | 728 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-481,000 | 8,694 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,150,000 | 3,379 |
| Total interest expense | $1,605,000 | 5,063 |
| Net interest income | $7,545,000 | 2,841 |
| Provision for loan and lease losses | $90,000 | 4,964 |
| Total noninterest income | $1,246,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $767,000 | 2,185 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $479,000 | 3,443 |
| Total noninterest expense | $5,426,000 | 3,019 |
| Salaries and employee benefits | $2,838,000 | 3,126 |
| Premises and equipment expense | $688,000 | 3,286 |
| Additional noninterest expense | $1,900,000 | 2,614 |
| Pre-tax net operating income | $3,275,000 | 2,575 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,257,000 | 1,929 |
| Income before extraordinary items | $2,018,000 | 3,079 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,018,000 | 3,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,923 |
| Cash dividends | $319,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,018,000 | 3,039 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,750,000 | 3,363 |
| Total interest expense | $1,090,000 | 5,203 |
| Net interest income | $5,660,000 | 2,823 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $968,000 | 2,973 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $588,000 | 2,146 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $380,000 | 3,369 |
| Total noninterest expense | $3,962,000 | 3,055 |
| Salaries and employee benefits | $1,989,000 | 3,289 |
| Premises and equipment expense | $547,000 | 3,107 |
| Additional noninterest expense | $1,426,000 | 2,581 |
| Pre-tax net operating income | $2,576,000 | 2,512 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $985,000 | 1,902 |
| Income before extraordinary items | $1,591,000 | 2,994 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,591,000 | 2,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,163 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,591,000 | 2,957 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,362,000 | 3,391 |
| Total interest expense | $650,000 | 5,355 |
| Net interest income | $3,712,000 | 2,844 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $679,000 | 2,828 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $388,000 | 2,121 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $291,000 | 3,123 |
| Total noninterest expense | $2,607,000 | 3,073 |
| Salaries and employee benefits | $1,319,000 | 3,283 |
| Premises and equipment expense | $372,000 | 3,038 |
| Additional noninterest expense | $916,000 | 2,653 |
| Pre-tax net operating income | $1,724,000 | 2,451 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $663,000 | 1,861 |
| Income before extraordinary items | $1,061,000 | 2,951 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,061,000 | 2,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,957 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,061,000 | 2,914 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,132,000 | 3,417 |
| Total interest expense | $302,000 | 5,462 |
| Net interest income | $1,830,000 | 2,876 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $274,000 | 3,258 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $191,000 | 2,099 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $83,000 | 4,113 |
| Total noninterest expense | $1,243,000 | 3,224 |
| Salaries and employee benefits | $647,000 | 3,335 |
| Premises and equipment expense | $169,000 | 3,324 |
| Additional noninterest expense | $427,000 | 2,853 |
| Pre-tax net operating income | $831,000 | 2,496 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $298,000 | 1,984 |
| Income before extraordinary items | $533,000 | 2,900 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $533,000 | 2,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,407 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $533,000 | 2,848 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,910,000 | 3,444 |
| Total interest expense | $1,119,000 | 5,332 |
| Net interest income | $6,791,000 | 2,973 |
| Provision for loan and lease losses | $700,000 | 1,457 |
| Total noninterest income | $1,235,000 | 3,060 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $835,000 | 2,059 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $400,000 | 3,717 |
| Total noninterest expense | $5,260,000 | 2,969 |
| Salaries and employee benefits | $2,683,000 | 3,160 |
| Premises and equipment expense | $744,000 | 2,970 |
| Additional noninterest expense | $1,833,000 | 2,610 |
| Pre-tax net operating income | $2,066,000 | 3,426 |
| Securities gains (losses) | $-98,000 | 8,716 |
| Applicable income taxes | $724,000 | 2,704 |
| Income before extraordinary items | $1,244,000 | 4,118 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,244,000 | 4,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 1,854 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,306,720 | 3,914 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,852,000 | 3,459 |
| Total interest expense | $846,000 | 5,279 |
| Net interest income | $5,006,000 | 2,995 |
| Provision for loan and lease losses | $625,000 | 1,197 |
| Total noninterest income | $980,000 | 2,977 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $647,000 | 2,020 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $333,000 | 3,537 |
| Total noninterest expense | $3,816,000 | 3,034 |
| Salaries and employee benefits | $2,025,000 | 3,089 |
| Premises and equipment expense | $542,000 | 3,038 |
| Additional noninterest expense | $1,249,000 | 2,823 |
| Pre-tax net operating income | $1,545,000 | 3,503 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $570,000 | 2,666 |
| Income before extraordinary items | $980,000 | 4,055 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $980,000 | 4,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 1,564 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $976,800 | 3,999 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,832,000 | 3,493 |
| Total interest expense | $569,000 | 5,268 |
| Net interest income | $3,263,000 | 3,051 |
| Provision for loan and lease losses | $534,000 | 929 |
| Total noninterest income | $586,000 | 3,225 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $427,000 | 2,020 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $159,000 | 4,193 |
| Total noninterest expense | $2,498,000 | 3,098 |
| Salaries and employee benefits | $1,337,000 | 3,143 |
| Premises and equipment expense | $378,000 | 2,929 |
| Additional noninterest expense | $783,000 | 2,994 |
| Pre-tax net operating income | $817,000 | 4,051 |
| Securities gains (losses) | $5,000 | 2,738 |
| Applicable income taxes | $295,000 | 3,110 |
| Income before extraordinary items | $527,000 | 4,602 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $527,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 1,694 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $523,800 | 4,531 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,915,000 | 3,504 |
| Total interest expense | $297,000 | 5,198 |
| Net interest income | $1,618,000 | 3,060 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $307,000 | 3,057 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $217,000 | 1,928 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $90,000 | 3,932 |
| Total noninterest expense | $1,249,000 | 3,100 |
| Salaries and employee benefits | $669,000 | 3,156 |
| Premises and equipment expense | $200,000 | 2,811 |
| Additional noninterest expense | $380,000 | 3,044 |
| Pre-tax net operating income | $616,000 | 3,016 |
| Securities gains (losses) | $4,000 | 2,410 |
| Applicable income taxes | $228,000 | 2,352 |
| Income before extraordinary items | $392,000 | 3,565 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $392,000 | 3,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,552 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $389,440 | 3,466 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,075,000 | 3,418 |
| Total interest expense | $1,567,000 | 4,752 |
| Net interest income | $6,508,000 | 2,946 |
| Provision for loan and lease losses | $574,000 | 1,957 |
| Total noninterest income | $1,322,000 | 3,102 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $937,000 | 1,851 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $385,000 | 4,050 |
| Total noninterest expense | $5,538,000 | 2,800 |
| Salaries and employee benefits | $3,027,000 | 2,743 |
| Premises and equipment expense | $802,000 | 2,758 |
| Additional noninterest expense | $1,709,000 | 2,745 |
| Pre-tax net operating income | $1,718,000 | 3,761 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $626,000 | 2,973 |
| Income before extraordinary items | $1,094,000 | 4,400 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,094,000 | 4,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 2,283 |
| Cash dividends | $1,084,000 | 2,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,092,720 | 4,220 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,085,000 | 3,450 |
| Total interest expense | $1,218,000 | 4,770 |
| Net interest income | $4,867,000 | 2,972 |
| Provision for loan and lease losses | $104,000 | 4,607 |
| Total noninterest income | $1,017,000 | 3,098 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $709,000 | 1,833 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $308,000 | 3,995 |
| Total noninterest expense | $4,066,000 | 2,861 |
| Salaries and employee benefits | $2,301,000 | 2,720 |
| Premises and equipment expense | $595,000 | 2,794 |
| Additional noninterest expense | $1,170,000 | 2,955 |
| Pre-tax net operating income | $1,714,000 | 3,198 |
| Securities gains (losses) | $-3,000 | 8,827 |
| Applicable income taxes | $633,000 | 2,572 |
| Income before extraordinary items | $1,078,000 | 3,804 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,078,000 | 3,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,091 |
| Cash dividends | $1,084,000 | 1,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,079,920 | 3,630 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,006,000 | 3,516 |
| Total interest expense | $838,000 | 4,786 |
| Net interest income | $3,168,000 | 3,022 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $643,000 | 3,191 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $461,000 | 1,835 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $182,000 | 4,197 |
| Total noninterest expense | $2,694,000 | 2,872 |
| Salaries and employee benefits | $1,543,000 | 2,720 |
| Premises and equipment expense | $406,000 | 2,724 |
| Additional noninterest expense | $745,000 | 3,064 |
| Pre-tax net operating income | $1,067,000 | 3,362 |
| Securities gains (losses) | $-3,000 | 8,957 |
| Applicable income taxes | $392,000 | 2,729 |
| Income before extraordinary items | $672,000 | 3,975 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $672,000 | 3,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,822 |
| Cash dividends | $894,000 | 1,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $673,920 | 3,791 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,995,000 | 3,533 |
| Total interest expense | $422,000 | 4,876 |
| Net interest income | $1,573,000 | 3,034 |
| Provision for loan and lease losses | $25,000 | 4,925 |
| Total noninterest income | $323,000 | 3,088 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $227,000 | 1,806 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $96,000 | 4,002 |
| Total noninterest expense | $1,344,000 | 2,853 |
| Salaries and employee benefits | $785,000 | 2,660 |
| Premises and equipment expense | $209,000 | 2,669 |
| Additional noninterest expense | $350,000 | 3,188 |
| Pre-tax net operating income | $527,000 | 3,369 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $187,000 | 2,815 |
| Income before extraordinary items | $340,000 | 3,883 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $340,000 | 3,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,624 |
| Cash dividends | $383,000 | 1,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $340,000 | 3,703 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,863,000 | 3,345 |
| Total interest expense | $2,175,000 | 4,541 |
| Net interest income | $6,688,000 | 2,849 |
| Provision for loan and lease losses | $182,000 | 4,537 |
| Total noninterest income | $1,305,000 | 2,902 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $947,000 | 1,694 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $358,000 | 3,896 |
| Total noninterest expense | $5,627,000 | 2,624 |
| Salaries and employee benefits | $2,997,000 | 2,635 |
| Premises and equipment expense | $696,000 | 3,018 |
| Additional noninterest expense | $1,934,000 | 2,379 |
| Pre-tax net operating income | $2,184,000 | 3,228 |
| Securities gains (losses) | $33,000 | 2,759 |
| Applicable income taxes | $806,000 | 2,583 |
| Income before extraordinary items | $1,411,000 | 3,656 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,411,000 | 3,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 1,831 |
| Cash dividends | $1,367,000 | 1,764 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,389,880 | 3,598 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,258,000 | 3,006 |
| Total interest expense | $3,966,000 | 3,817 |
| Net interest income | $7,292,000 | 2,455 |
| Provision for loan and lease losses | $152,000 | 4,732 |
| Total noninterest income | $1,268,000 | 2,826 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $869,000 | 1,749 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $399,000 | 3,538 |
| Total noninterest expense | $5,630,000 | 2,509 |
| Salaries and employee benefits | $3,006,000 | 2,501 |
| Premises and equipment expense | $766,000 | 2,745 |
| Additional noninterest expense | $1,858,000 | 2,407 |
| Pre-tax net operating income | $2,778,000 | 2,439 |
| Securities gains (losses) | $91,000 | 1,826 |
| Applicable income taxes | $1,098,000 | 1,942 |
| Income before extraordinary items | $1,771,000 | 2,837 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,771,000 | 2,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,044 |
| Cash dividends | $1,753,000 | 1,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,712,760 | 2,824 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,291,000 | 2,835 |
| Total interest expense | $4,950,000 | 3,352 |
| Net interest income | $7,341,000 | 2,416 |
| Provision for loan and lease losses | $2,448,000 | 528 |
| Total noninterest income | $1,361,000 | 2,525 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $659,000 | 2,094 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $702,000 | 2,357 |
| Total noninterest expense | $5,616,000 | 2,436 |
| Salaries and employee benefits | $3,122,000 | 2,284 |
| Premises and equipment expense | $775,000 | 2,652 |
| Additional noninterest expense | $1,719,000 | 2,496 |
| Pre-tax net operating income | $638,000 | 6,448 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $217,000 | 5,245 |
| Income before extraordinary items | $420,000 | 6,730 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $420,000 | 6,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,641,000 | 411 |
| Cash dividends | $1,339,000 | 1,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $420,660 | 6,736 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,809,000 | 2,987 |
| Total interest expense | $4,336,000 | 3,351 |
| Net interest income | $6,473,000 | 2,718 |
| Provision for loan and lease losses | $145,000 | 4,342 |
| Total noninterest income | $954,000 | 3,203 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $569,000 | 2,347 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $385,000 | 3,522 |
| Total noninterest expense | $4,525,000 | 2,972 |
| Salaries and employee benefits | $2,439,000 | 2,873 |
| Premises and equipment expense | $741,000 | 2,736 |
| Additional noninterest expense | $1,345,000 | 3,136 |
| Pre-tax net operating income | $2,757,000 | 2,581 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $956,000 | 2,292 |
| Income before extraordinary items | $1,799,000 | 2,815 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,799,000 | 2,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,900 |
| Cash dividends | $1,135,000 | 2,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,800,300 | 2,771 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,831,000 | 3,282 |
| Total interest expense | $4,093,000 | 3,612 |
| Net interest income | $5,738,000 | 3,006 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $808,000 | 3,606 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $450,000 | 2,814 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $358,000 | 3,659 |
| Total noninterest expense | $4,179,000 | 3,103 |
| Salaries and employee benefits | $2,180,000 | 3,075 |
| Premises and equipment expense | $935,000 | 2,084 |
| Additional noninterest expense | $1,064,000 | 3,745 |
| Pre-tax net operating income | $2,367,000 | 2,923 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $865,000 | 2,568 |
| Income before extraordinary items | $1,503,000 | 3,258 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,503,000 | 3,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 9,919 |
| Cash dividends | $990,000 | 2,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,502,360 | 3,168 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,559,000 | 3,384 |
| Total interest expense | $3,823,000 | 3,845 |
| Net interest income | $5,736,000 | 3,042 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $727,000 | 3,859 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $480,000 | 2,726 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $247,000 | 4,393 |
| Total noninterest expense | $3,750,000 | 3,369 |
| Salaries and employee benefits | $1,851,000 | 3,538 |
| Premises and equipment expense | $891,000 | 2,206 |
| Additional noninterest expense | $1,008,000 | 3,873 |
| Pre-tax net operating income | $2,713,000 | 2,723 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $990,000 | 2,455 |
| Income before extraordinary items | $1,723,000 | 2,954 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,723,000 | 2,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 10,339 |
| Cash dividends | $1,155,000 | 1,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,723,000 | 2,898 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,651,000 | 3,744 |
| Total interest expense | $3,553,000 | 4,139 |
| Net interest income | $5,098,000 | 3,473 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $787,000 | 3,759 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $526,000 | 2,593 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $261,000 | 4,427 |
| Total noninterest expense | $3,405,000 | 3,873 |
| Salaries and employee benefits | $1,687,000 | 3,876 |
| Premises and equipment expense | $695,000 | 2,821 |
| Additional noninterest expense | $1,023,000 | 4,327 |
| Pre-tax net operating income | $2,480,000 | 2,786 |
| Securities gains (losses) | $35,000 | 1,578 |
| Applicable income taxes | $878,000 | 2,637 |
| Income before extraordinary items | $1,637,000 | 2,942 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,637,000 | 2,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,696 |
| Cash dividends | $1,374,000 | 1,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,614,250 | 2,943 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,149,000 | 3,945 |
| Total interest expense | $3,437,000 | 4,223 |
| Net interest income | $4,712,000 | 3,731 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $750,000 | 3,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $543,000 | 2,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $207,000 | 5,033 |
| Total noninterest expense | $3,076,000 | 4,195 |
| Salaries and employee benefits | $1,498,000 | 4,285 |
| Premises and equipment expense | $587,000 | 3,266 |
| Additional noninterest expense | $991,000 | 4,384 |
| Pre-tax net operating income | $2,386,000 | 2,978 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $824,000 | 2,809 |
| Income before extraordinary items | $1,557,000 | 3,134 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,557,000 | 3,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 11,607 |
| Cash dividends | $1,264,000 | 1,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,560,250 | 3,106 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,877,000 | 4,292 |
| Total interest expense | $2,451,000 | 4,724 |
| Net interest income | $4,426,000 | 3,976 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $949,000 | 3,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $529,000 | 2,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $420,000 | 3,305 |
| Total noninterest expense | $2,971,000 | 4,458 |
| Salaries and employee benefits | $1,389,000 | 4,602 |
| Premises and equipment expense | $600,000 | 3,268 |
| Additional noninterest expense | $982,000 | 4,781 |
| Pre-tax net operating income | $2,404,000 | 2,934 |
| Securities gains (losses) | $-7,000 | 9,611 |
| Applicable income taxes | $795,000 | 2,775 |
| Income before extraordinary items | $1,602,000 | 3,008 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,602,000 | 3,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 11,809 |
| Cash dividends | $1,127,000 | 1,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,606,690 | 3,016 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,073,000 | 4,896 |
| Total interest expense | $2,098,000 | 5,612 |
| Net interest income | $3,975,000 | 4,429 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $667,000 | 4,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $497,000 | 2,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 6,167 |
| Total noninterest expense | $2,894,000 | 4,661 |
| Salaries and employee benefits | $1,319,000 | 4,814 |
| Premises and equipment expense | $591,000 | 3,377 |
| Additional noninterest expense | $984,000 | 4,989 |
| Pre-tax net operating income | $1,748,000 | 3,791 |
| Securities gains (losses) | $165,000 | 1,888 |
| Applicable income taxes | $629,000 | 3,451 |
| Income before extraordinary items | $1,284,000 | 3,762 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,284,000 | 3,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 12,848 |
| Cash dividends | $1,375,000 | 1,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,173,450 | 3,904 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,538,000 | 5,119 |
| Total interest expense | $2,462,000 | 6,059 |
| Net interest income | $4,076,000 | 4,367 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $990,000 | 3,350 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $515,000 | 2,683 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $475,000 | 3,294 |
| Total noninterest expense | $2,937,000 | 4,630 |
| Salaries and employee benefits | $1,317,000 | 4,765 |
| Premises and equipment expense | $506,000 | 3,922 |
| Additional noninterest expense | $1,114,000 | 4,638 |
| Pre-tax net operating income | $2,129,000 | 2,929 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $675,000 | 3,095 |
| Income before extraordinary items | $1,454,000 | 3,172 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,454,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 13,656 |
| Cash dividends | $1,705,000 | 976 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,454,000 | 2,938 |
* 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.