Home > The Citadel Bank > Income and Expense
The Citadel Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,364,000 | 5,813 |
| Total interest expense | $816,000 | 6,752 |
| Net interest income | $2,548,000 | 5,105 |
| Provision for loan and lease losses | $4,000 | 6,911 |
| Total noninterest income | $723,000 | 3,576 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $421,000 | 2,794 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $302,000 | 3,673 |
| Total noninterest expense | $1,608,000 | 6,037 |
| Salaries and employee benefits | $653,000 | 6,722 |
| Premises and equipment expense | $205,000 | 6,032 |
| Additional noninterest expense | $750,000 | 4,745 |
| Pre-tax net operating income | $1,659,000 | 2,638 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $1,659,000 | 2,126 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,659,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,747 |
| Cash dividends | $1,044,000 | 1,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,659,000 | 2,231 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,309,000 | 5,817 |
| Total interest expense | $572,000 | 6,777 |
| Net interest income | $1,737,000 | 5,036 |
| Provision for loan and lease losses | $2,000 | 6,624 |
| Total noninterest income | $504,000 | 3,483 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $285,000 | 2,745 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $219,000 | 3,587 |
| Total noninterest expense | $1,085,000 | 6,055 |
| Salaries and employee benefits | $427,000 | 6,825 |
| Premises and equipment expense | $143,000 | 5,958 |
| Additional noninterest expense | $515,000 | 4,641 |
| Pre-tax net operating income | $1,154,000 | 2,668 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,154,000 | 2,287 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,154,000 | 2,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,608 |
| Cash dividends | $673,000 | 1,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,154,000 | 2,237 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,208,000 | 5,780 |
| Total interest expense | $306,000 | 6,801 |
| Net interest income | $902,000 | 4,939 |
| Provision for loan and lease losses | $1,000 | 6,027 |
| Total noninterest income | $272,000 | 3,330 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $144,000 | 2,710 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $128,000 | 3,321 |
| Total noninterest expense | $587,000 | 5,866 |
| Salaries and employee benefits | $236,000 | 6,647 |
| Premises and equipment expense | $76,000 | 5,856 |
| Additional noninterest expense | $275,000 | 4,390 |
| Pre-tax net operating income | $586,000 | 2,755 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $586,000 | 2,355 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $586,000 | 2,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $328,000 | 1,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $586,000 | 2,287 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,553,000 | 5,962 |
| Total interest expense | $722,000 | 7,613 |
| Net interest income | $3,831,000 | 4,762 |
| Provision for loan and lease losses | $5,000 | 6,721 |
| Total noninterest income | $1,320,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $682,000 | 2,419 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $638,000 | 2,908 |
| Total noninterest expense | $2,636,000 | 5,440 |
| Salaries and employee benefits | $1,108,000 | 6,209 |
| Premises and equipment expense | $286,000 | 5,897 |
| Additional noninterest expense | $1,242,000 | 3,976 |
| Pre-tax net operating income | $2,510,000 | 2,820 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $2,510,000 | 2,352 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,510,000 | 2,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,921 |
| Cash dividends | $1,509,000 | 1,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,510,000 | 2,344 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,238,000 | 6,106 |
| Total interest expense | $389,000 | 7,979 |
| Net interest income | $2,849,000 | 4,802 |
| Provision for loan and lease losses | $4,000 | 6,410 |
| Total noninterest income | $982,000 | 2,950 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $517,000 | 2,377 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $465,000 | 2,968 |
| Total noninterest expense | $2,011,000 | 5,338 |
| Salaries and employee benefits | $897,000 | 5,979 |
| Premises and equipment expense | $211,000 | 5,948 |
| Additional noninterest expense | $903,000 | 3,997 |
| Pre-tax net operating income | $1,816,000 | 3,041 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,816,000 | 2,577 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,816,000 | 2,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,520 |
| Cash dividends | $1,509,000 | 1,487 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,816,000 | 2,553 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,982,000 | 6,324 |
| Total interest expense | $115,000 | 8,384 |
| Net interest income | $1,867,000 | 4,881 |
| Provision for loan and lease losses | $2,000 | 6,135 |
| Total noninterest income | $656,000 | 2,957 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $342,000 | 2,400 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $314,000 | 2,939 |
| Total noninterest expense | $1,316,000 | 5,444 |
| Salaries and employee benefits | $599,000 | 6,018 |
| Premises and equipment expense | $135,000 | 6,081 |
| Additional noninterest expense | $582,000 | 4,109 |
| Pre-tax net operating income | $1,205,000 | 3,107 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,205,000 | 2,629 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,205,000 | 2,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $1,229,000 | 1,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,205,000 | 2,608 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $941,000 | 6,439 |
| Total interest expense | $45,000 | 8,475 |
| Net interest income | $896,000 | 5,012 |
| Provision for loan and lease losses | $1,000 | 5,727 |
| Total noninterest income | $334,000 | 2,901 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $168,000 | 2,378 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $166,000 | 2,847 |
| Total noninterest expense | $628,000 | 5,613 |
| Salaries and employee benefits | $282,000 | 6,238 |
| Premises and equipment expense | $67,000 | 6,138 |
| Additional noninterest expense | $279,000 | 4,177 |
| Pre-tax net operating income | $601,000 | 3,116 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $601,000 | 2,625 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $601,000 | 2,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $948,000 | 858 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $601,000 | 2,606 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,871,000 | 6,213 |
| Total interest expense | $198,000 | 8,418 |
| Net interest income | $3,673,000 | 4,898 |
| Provision for loan and lease losses | $2,000 | 6,810 |
| Total noninterest income | $1,307,000 | 2,955 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $680,000 | 2,437 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $627,000 | 2,934 |
| Total noninterest expense | $2,573,000 | 5,396 |
| Salaries and employee benefits | $1,204,000 | 5,901 |
| Premises and equipment expense | $244,000 | 6,271 |
| Additional noninterest expense | $1,125,000 | 4,139 |
| Pre-tax net operating income | $2,405,000 | 3,215 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $2,405,000 | 2,694 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,405,000 | 2,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $2,132,000 | 1,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,405,000 | 2,683 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,885,000 | 6,241 |
| Total interest expense | $151,000 | 8,471 |
| Net interest income | $2,734,000 | 4,972 |
| Provision for loan and lease losses | $2,000 | 6,640 |
| Total noninterest income | $976,000 | 2,978 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $510,000 | 2,437 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $466,000 | 2,961 |
| Total noninterest expense | $1,983,000 | 5,293 |
| Salaries and employee benefits | $911,000 | 5,851 |
| Premises and equipment expense | $193,000 | 6,167 |
| Additional noninterest expense | $879,000 | 3,987 |
| Pre-tax net operating income | $1,725,000 | 3,460 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,725,000 | 2,890 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,725,000 | 2,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $2,121,000 | 1,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,725,000 | 2,879 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,890,000 | 6,260 |
| Total interest expense | $102,000 | 8,500 |
| Net interest income | $1,788,000 | 5,050 |
| Provision for loan and lease losses | $2,000 | 6,347 |
| Total noninterest income | $665,000 | 2,925 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $346,000 | 2,373 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $319,000 | 2,899 |
| Total noninterest expense | $1,351,000 | 5,235 |
| Salaries and employee benefits | $600,000 | 5,914 |
| Premises and equipment expense | $134,000 | 6,061 |
| Additional noninterest expense | $617,000 | 3,828 |
| Pre-tax net operating income | $1,100,000 | 3,564 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,100,000 | 2,987 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,100,000 | 2,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,236 |
| Cash dividends | $2,112,000 | 769 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,100,000 | 2,972 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $908,000 | 6,328 |
| Total interest expense | $54,000 | 8,509 |
| Net interest income | $854,000 | 5,207 |
| Provision for loan and lease losses | $2,000 | 5,907 |
| Total noninterest income | $357,000 | 2,741 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $178,000 | 2,245 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $179,000 | 2,697 |
| Total noninterest expense | $693,000 | 5,163 |
| Salaries and employee benefits | $298,000 | 5,949 |
| Premises and equipment expense | $71,000 | 5,930 |
| Additional noninterest expense | $324,000 | 3,657 |
| Pre-tax net operating income | $516,000 | 3,663 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $516,000 | 3,086 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $516,000 | 3,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $242,000 | 2,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $516,000 | 3,066 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,836,000 | 6,733 |
| Total interest expense | $196,000 | 8,452 |
| Net interest income | $2,640,000 | 5,896 |
| Provision for loan and lease losses | $22,000 | 6,455 |
| Total noninterest income | $1,247,000 | 3,050 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $770,000 | 2,177 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $477,000 | 3,455 |
| Total noninterest expense | $2,599,000 | 5,243 |
| Salaries and employee benefits | $1,163,000 | 5,889 |
| Premises and equipment expense | $274,000 | 5,971 |
| Additional noninterest expense | $1,162,000 | 3,946 |
| Pre-tax net operating income | $1,266,000 | 4,788 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,266,000 | 4,214 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,266,000 | 4,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,434 |
| Cash dividends | $677,000 | 3,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,266,000 | 4,191 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,033,000 | 6,829 |
| Total interest expense | $143,000 | 8,483 |
| Net interest income | $1,890,000 | 6,056 |
| Provision for loan and lease losses | $12,000 | 6,428 |
| Total noninterest income | $927,000 | 3,070 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $575,000 | 2,187 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $352,000 | 3,515 |
| Total noninterest expense | $1,969,000 | 5,197 |
| Salaries and employee benefits | $871,000 | 5,863 |
| Premises and equipment expense | $201,000 | 6,019 |
| Additional noninterest expense | $897,000 | 3,818 |
| Pre-tax net operating income | $836,000 | 5,224 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $836,000 | 4,641 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $836,000 | 4,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,785 |
| Cash dividends | $337,000 | 3,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $836,000 | 4,602 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,288,000 | 6,921 |
| Total interest expense | $94,000 | 8,475 |
| Net interest income | $1,194,000 | 6,198 |
| Provision for loan and lease losses | $9,000 | 6,195 |
| Total noninterest income | $608,000 | 3,061 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $383,000 | 2,144 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $225,000 | 3,561 |
| Total noninterest expense | $1,364,000 | 5,061 |
| Salaries and employee benefits | $582,000 | 5,850 |
| Premises and equipment expense | $132,000 | 6,058 |
| Additional noninterest expense | $650,000 | 3,559 |
| Pre-tax net operating income | $429,000 | 5,805 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $429,000 | 5,270 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $429,000 | 5,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $171,000 | 3,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $429,000 | 5,227 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $596,000 | 7,113 |
| Total interest expense | $46,000 | 8,538 |
| Net interest income | $550,000 | 6,443 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $299,000 | 3,058 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $189,000 | 2,116 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $110,000 | 3,560 |
| Total noninterest expense | $699,000 | 5,005 |
| Salaries and employee benefits | $295,000 | 5,827 |
| Premises and equipment expense | $65,000 | 6,146 |
| Additional noninterest expense | $339,000 | 3,451 |
| Pre-tax net operating income | $150,000 | 6,565 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $150,000 | 6,094 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $150,000 | 6,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $78,000 | 3,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $150,000 | 6,054 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,793,000 | 7,592 |
| Total interest expense | $179,000 | 8,532 |
| Net interest income | $1,614,000 | 7,159 |
| Provision for loan and lease losses | $12,000 | 6,941 |
| Total noninterest income | $1,290,000 | 2,977 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $818,000 | 2,101 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $472,000 | 3,423 |
| Total noninterest expense | $2,468,000 | 5,359 |
| Salaries and employee benefits | $1,134,000 | 5,879 |
| Premises and equipment expense | $256,000 | 6,134 |
| Additional noninterest expense | $1,078,000 | 4,084 |
| Pre-tax net operating income | $424,000 | 6,967 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $424,000 | 6,659 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $424,000 | 6,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $261,000 | 4,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $424,000 | 6,600 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,278,000 | 7,720 |
| Total interest expense | $132,000 | 8,592 |
| Net interest income | $1,146,000 | 7,300 |
| Provision for loan and lease losses | $12,000 | 6,640 |
| Total noninterest income | $974,000 | 2,984 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $620,000 | 2,103 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $354,000 | 3,419 |
| Total noninterest expense | $1,817,000 | 5,383 |
| Salaries and employee benefits | $847,000 | 5,843 |
| Premises and equipment expense | $194,000 | 6,091 |
| Additional noninterest expense | $776,000 | 4,172 |
| Pre-tax net operating income | $291,000 | 7,259 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $291,000 | 6,952 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $291,000 | 6,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $130,000 | 4,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $291,000 | 6,884 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $807,000 | 7,852 |
| Total interest expense | $88,000 | 8,651 |
| Net interest income | $719,000 | 7,452 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $648,000 | 2,997 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $412,000 | 2,098 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $236,000 | 3,426 |
| Total noninterest expense | $1,189,000 | 5,470 |
| Salaries and employee benefits | $559,000 | 5,915 |
| Premises and equipment expense | $126,000 | 6,189 |
| Additional noninterest expense | $504,000 | 4,285 |
| Pre-tax net operating income | $166,000 | 7,446 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $166,000 | 7,210 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $166,000 | 7,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $69,000 | 4,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $166,000 | 7,130 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $410,000 | 7,863 |
| Total interest expense | $44,000 | 8,702 |
| Net interest income | $366,000 | 7,456 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $316,000 | 2,998 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $205,000 | 2,031 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $111,000 | 3,491 |
| Total noninterest expense | $585,000 | 5,530 |
| Salaries and employee benefits | $281,000 | 5,937 |
| Premises and equipment expense | $63,000 | 6,196 |
| Additional noninterest expense | $241,000 | 4,449 |
| Pre-tax net operating income | $88,000 | 7,338 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $88,000 | 7,094 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $88,000 | 7,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $35,000 | 3,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $88,000 | 7,005 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,614,000 | 7,953 |
| Total interest expense | $169,000 | 8,814 |
| Net interest income | $1,445,000 | 7,447 |
| Provision for loan and lease losses | $21,000 | 7,041 |
| Total noninterest income | $1,343,000 | 3,060 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $851,000 | 2,014 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $492,000 | 3,605 |
| Total noninterest expense | $2,416,000 | 5,341 |
| Salaries and employee benefits | $1,175,000 | 5,712 |
| Premises and equipment expense | $256,000 | 6,119 |
| Additional noninterest expense | $985,000 | 4,335 |
| Pre-tax net operating income | $351,000 | 7,230 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $351,000 | 7,028 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $351,000 | 7,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,012 |
| Cash dividends | $444,000 | 3,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $351,000 | 6,886 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,184,000 | 8,083 |
| Total interest expense | $129,000 | 8,914 |
| Net interest income | $1,055,000 | 7,548 |
| Provision for loan and lease losses | $15,000 | 6,935 |
| Total noninterest income | $998,000 | 3,142 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $633,000 | 2,039 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $365,000 | 3,704 |
| Total noninterest expense | $1,786,000 | 5,363 |
| Salaries and employee benefits | $884,000 | 5,665 |
| Premises and equipment expense | $178,000 | 6,333 |
| Additional noninterest expense | $724,000 | 4,363 |
| Pre-tax net operating income | $252,000 | 7,427 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $252,000 | 7,242 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $252,000 | 7,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,282 |
| Cash dividends | $393,000 | 3,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $252,000 | 7,078 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $801,000 | 8,127 |
| Total interest expense | $94,000 | 8,935 |
| Net interest income | $707,000 | 7,559 |
| Provision for loan and lease losses | $9,000 | 6,877 |
| Total noninterest income | $661,000 | 3,128 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $417,000 | 2,016 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $244,000 | 3,668 |
| Total noninterest expense | $1,181,000 | 5,379 |
| Salaries and employee benefits | $592,000 | 5,660 |
| Premises and equipment expense | $119,000 | 6,291 |
| Additional noninterest expense | $470,000 | 4,444 |
| Pre-tax net operating income | $178,000 | 7,399 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $178,000 | 7,184 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $178,000 | 7,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $229,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $178,000 | 7,004 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $402,000 | 8,162 |
| Total interest expense | $54,000 | 8,940 |
| Net interest income | $348,000 | 7,622 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $338,000 | 2,980 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $217,000 | 1,890 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $121,000 | 3,587 |
| Total noninterest expense | $593,000 | 5,380 |
| Salaries and employee benefits | $292,000 | 5,706 |
| Premises and equipment expense | $60,000 | 6,275 |
| Additional noninterest expense | $241,000 | 4,338 |
| Pre-tax net operating income | $90,000 | 7,351 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $90,000 | 7,087 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $90,000 | 7,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $136,000 | 2,635 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $90,000 | 6,937 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,119,000 | 7,722 |
| Total interest expense | $305,000 | 8,876 |
| Net interest income | $1,814,000 | 6,930 |
| Provision for loan and lease losses | $12,000 | 7,731 |
| Total noninterest income | $1,521,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,076,000 | 1,502 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $445,000 | 3,497 |
| Total noninterest expense | $2,396,000 | 5,229 |
| Salaries and employee benefits | $1,224,000 | 5,408 |
| Premises and equipment expense | $264,000 | 5,954 |
| Additional noninterest expense | $908,000 | 4,514 |
| Pre-tax net operating income | $927,000 | 5,395 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $927,000 | 4,800 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $927,000 | 4,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $2,023,000 | 1,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $927,000 | 4,672 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,159,000 | 7,084 |
| Total interest expense | $641,000 | 8,741 |
| Net interest income | $2,518,000 | 5,695 |
| Provision for loan and lease losses | $12,000 | 7,834 |
| Total noninterest income | $1,811,000 | 2,179 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,391,000 | 1,067 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $420,000 | 3,440 |
| Total noninterest expense | $2,478,000 | 4,980 |
| Salaries and employee benefits | $1,328,000 | 4,959 |
| Premises and equipment expense | $286,000 | 5,678 |
| Additional noninterest expense | $864,000 | 4,526 |
| Pre-tax net operating income | $1,839,000 | 3,375 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,839,000 | 2,730 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,839,000 | 2,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $1,877,000 | 1,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,839,000 | 2,639 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,303,000 | 7,108 |
| Total interest expense | $707,000 | 8,851 |
| Net interest income | $2,596,000 | 5,669 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $1,540,000 | 2,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,134,000 | 1,197 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $406,000 | 3,305 |
| Total noninterest expense | $2,257,000 | 5,239 |
| Salaries and employee benefits | $1,157,000 | 5,362 |
| Premises and equipment expense | $282,000 | 5,628 |
| Additional noninterest expense | $818,000 | 4,661 |
| Pre-tax net operating income | $1,867,000 | 3,490 |
| Securities gains (losses) | $-67,000 | 9,297 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,800,000 | 2,800 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,800,000 | 2,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $1,236,000 | 1,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,867,000 | 2,720 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,906,000 | 7,489 |
| Total interest expense | $635,000 | 9,123 |
| Net interest income | $2,271,000 | 6,139 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,384,000 | 2,425 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $966,000 | 1,357 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $418,000 | 3,311 |
| Total noninterest expense | $1,911,000 | 5,849 |
| Salaries and employee benefits | $969,000 | 6,005 |
| Premises and equipment expense | $260,000 | 5,916 |
| Additional noninterest expense | $682,000 | 5,340 |
| Pre-tax net operating income | $1,744,000 | 3,703 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,744,000 | 2,876 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,744,000 | 2,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $1,184,000 | 2,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,744,000 | 2,852 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,766,000 | 7,798 |
| Total interest expense | $624,000 | 9,413 |
| Net interest income | $2,142,000 | 6,409 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $1,405,000 | 2,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $957,000 | 1,302 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $448,000 | 3,201 |
| Total noninterest expense | $1,808,000 | 5,978 |
| Salaries and employee benefits | $937,000 | 6,040 |
| Premises and equipment expense | $211,000 | 6,550 |
| Additional noninterest expense | $660,000 | 5,389 |
| Pre-tax net operating income | $1,739,000 | 3,739 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $112,000 | 7,352 |
| Income before extraordinary items | $1,627,000 | 3,041 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,627,000 | 3,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $672,000 | 2,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,627,000 | 2,958 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,326,000 | 8,608 |
| Total interest expense | $514,000 | 10,067 |
| Net interest income | $1,812,000 | 7,295 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,214,000 | 2,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $821,000 | 1,582 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $393,000 | 3,318 |
| Total noninterest expense | $1,682,000 | 6,343 |
| Salaries and employee benefits | $876,000 | 6,409 |
| Premises and equipment expense | $176,000 | 7,266 |
| Additional noninterest expense | $630,000 | 5,623 |
| Pre-tax net operating income | $1,344,000 | 4,852 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $485,000 | 4,301 |
| Income before extraordinary items | $859,000 | 5,226 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $859,000 | 5,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $850,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $859,000 | 5,161 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,156,000 | 9,163 |
| Total interest expense | $495,000 | 10,608 |
| Net interest income | $1,661,000 | 7,872 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,131,000 | 2,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $845,000 | 1,582 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,193 |
| Total noninterest expense | $1,642,000 | 6,731 |
| Salaries and employee benefits | $844,000 | 6,751 |
| Premises and equipment expense | $257,000 | 6,151 |
| Additional noninterest expense | $541,000 | 6,757 |
| Pre-tax net operating income | $1,150,000 | 5,259 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $410,000 | 4,821 |
| Income before extraordinary items | $740,000 | 5,582 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $740,000 | 5,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $250,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $740,000 | 5,528 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,970,000 | 9,762 |
| Total interest expense | $437,000 | 11,227 |
| Net interest income | $1,533,000 | 8,445 |
| Provision for loan and lease losses | $-135,000 | 11,768 |
| Total noninterest income | $1,092,000 | 2,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $880,000 | 1,541 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 4,962 |
| Total noninterest expense | $1,753,000 | 6,587 |
| Salaries and employee benefits | $834,000 | 6,925 |
| Premises and equipment expense | $288,000 | 5,805 |
| Additional noninterest expense | $631,000 | 6,326 |
| Pre-tax net operating income | $1,007,000 | 5,973 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $356,000 | 5,372 |
| Income before extraordinary items | $651,000 | 6,306 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $651,000 | 6,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-140,000 | 11,798 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $651,000 | 6,283 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,732,000 | 10,298 |
| Total interest expense | $375,000 | 11,711 |
| Net interest income | $1,357,000 | 9,290 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $1,143,000 | 2,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $942,000 | 1,431 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $201,000 | 5,253 |
| Total noninterest expense | $1,804,000 | 6,681 |
| Salaries and employee benefits | $756,000 | 7,478 |
| Premises and equipment expense | $387,000 | 4,716 |
| Additional noninterest expense | $661,000 | 6,597 |
| Pre-tax net operating income | $678,000 | 7,533 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $236,000 | 6,740 |
| Income before extraordinary items | $442,000 | 7,787 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $442,000 | 7,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,077 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $442,000 | 7,836 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,530,000 | 11,174 |
| Total interest expense | $341,000 | 12,492 |
| Net interest income | $1,189,000 | 10,095 |
| Provision for loan and lease losses | $-15,000 | 12,550 |
| Total noninterest income | $1,051,000 | 3,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $874,000 | 1,563 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 6,042 |
| Total noninterest expense | $1,839,000 | 6,785 |
| Salaries and employee benefits | $716,000 | 7,899 |
| Premises and equipment expense | $533,000 | 3,669 |
| Additional noninterest expense | $590,000 | 7,431 |
| Pre-tax net operating income | $416,000 | 9,286 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $144,000 | 8,778 |
| Income before extraordinary items | $272,000 | 9,793 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $272,000 | 9,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 7,435 |
| Cash dividends | $80,000 | 7,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $272,000 | 9,534 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,636,000 | 11,639 |
| Total interest expense | $396,000 | 13,196 |
| Net interest income | $1,240,000 | 10,180 |
| Provision for loan and lease losses | $256,000 | 4,523 |
| Total noninterest income | $1,136,000 | 2,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $940,000 | 1,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 5,740 |
| Total noninterest expense | $1,759,000 | 7,078 |
| Salaries and employee benefits | $636,000 | 8,496 |
| Premises and equipment expense | $531,000 | 3,771 |
| Additional noninterest expense | $592,000 | 7,583 |
| Pre-tax net operating income | $361,000 | 9,571 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $130,000 | 9,108 |
| Income before extraordinary items | $249,000 | 9,934 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $249,000 | 10,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 4,142 |
| Cash dividends | $120,000 | 6,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $237,120 | 9,721 |
* 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.