Home > The Citizens Bank > Income and Expense
The Citizens Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,654,000 | 4,321 |
| Total interest expense | $2,696,000 | 4,597 |
| Net interest income | $4,958,000 | 4,028 |
| Provision for loan and lease losses | $360,000 | 2,452 |
| Total noninterest income | $1,284,000 | 2,989 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $965,000 | 1,802 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $319,000 | 4,182 |
| Total noninterest expense | $2,391,000 | 5,633 |
| Salaries and employee benefits | $1,158,000 | 6,016 |
| Premises and equipment expense | $254,000 | 6,176 |
| Additional noninterest expense | $979,000 | 4,583 |
| Pre-tax net operating income | $3,491,000 | 2,487 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,265,000 | 1,894 |
| Income before extraordinary items | $2,226,000 | 2,865 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,226,000 | 2,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,276 |
| Cash dividends | $1,721,000 | 1,759 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 983 |
| Net operating income | $2,226,000 | 2,852 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,727,000 | 4,309 |
| Total interest expense | $1,944,000 | 4,629 |
| Net interest income | $3,783,000 | 4,003 |
| Provision for loan and lease losses | $270,000 | 2,327 |
| Total noninterest income | $975,000 | 2,982 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $746,000 | 1,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $229,000 | 4,254 |
| Total noninterest expense | $1,827,000 | 5,547 |
| Salaries and employee benefits | $859,000 | 6,026 |
| Premises and equipment expense | $201,000 | 6,060 |
| Additional noninterest expense | $767,000 | 4,411 |
| Pre-tax net operating income | $2,661,000 | 2,533 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $962,000 | 1,935 |
| Income before extraordinary items | $1,699,000 | 2,922 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,699,000 | 2,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 2,075 |
| Cash dividends | $1,316,000 | 1,610 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 816 |
| Net operating income | $1,699,000 | 2,913 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,783,000 | 4,286 |
| Total interest expense | $1,192,000 | 4,736 |
| Net interest income | $2,591,000 | 3,945 |
| Provision for loan and lease losses | $180,000 | 2,262 |
| Total noninterest income | $653,000 | 2,963 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $489,000 | 1,771 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $164,000 | 4,129 |
| Total noninterest expense | $1,241,000 | 5,500 |
| Salaries and employee benefits | $547,000 | 6,178 |
| Premises and equipment expense | $129,000 | 6,171 |
| Additional noninterest expense | $565,000 | 4,096 |
| Pre-tax net operating income | $1,823,000 | 2,488 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $662,000 | 1,920 |
| Income before extraordinary items | $1,161,000 | 2,872 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,161,000 | 2,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 1,530 |
| Cash dividends | $912,000 | 1,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,161,000 | 2,859 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,836,000 | 4,324 |
| Total interest expense | $521,000 | 4,994 |
| Net interest income | $1,315,000 | 3,908 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $311,000 | 3,011 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $230,000 | 1,823 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $81,000 | 4,122 |
| Total noninterest expense | $603,000 | 5,609 |
| Salaries and employee benefits | $252,000 | 6,437 |
| Premises and equipment expense | $66,000 | 6,124 |
| Additional noninterest expense | $285,000 | 4,055 |
| Pre-tax net operating income | $933,000 | 2,405 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $337,000 | 1,862 |
| Income before extraordinary items | $596,000 | 2,758 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $596,000 | 2,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 1,088 |
| Cash dividends | $507,000 | 1,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $596,000 | 2,740 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,776,000 | 4,242 |
| Total interest expense | $1,522,000 | 5,194 |
| Net interest income | $5,254,000 | 3,818 |
| Provision for loan and lease losses | $360,000 | 2,451 |
| Total noninterest income | $1,412,000 | 2,803 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,015,000 | 1,707 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $397,000 | 3,789 |
| Total noninterest expense | $2,798,000 | 5,018 |
| Salaries and employee benefits | $1,100,000 | 6,061 |
| Premises and equipment expense | $231,000 | 6,406 |
| Additional noninterest expense | $1,467,000 | 3,282 |
| Pre-tax net operating income | $3,508,000 | 2,450 |
| Securities gains (losses) | $-100,000 | 8,428 |
| Applicable income taxes | $1,244,000 | 1,949 |
| Income before extraordinary items | $2,164,000 | 2,895 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,164,000 | 2,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,178 |
| Cash dividends | $2,070,000 | 1,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,228,000 | 2,780 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,957,000 | 4,275 |
| Total interest expense | $1,043,000 | 5,322 |
| Net interest income | $3,914,000 | 3,830 |
| Provision for loan and lease losses | $271,000 | 2,377 |
| Total noninterest income | $1,026,000 | 2,859 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $763,000 | 1,689 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $263,000 | 4,036 |
| Total noninterest expense | $1,823,000 | 5,444 |
| Salaries and employee benefits | $825,000 | 6,029 |
| Premises and equipment expense | $171,000 | 6,411 |
| Additional noninterest expense | $827,000 | 4,077 |
| Pre-tax net operating income | $2,846,000 | 2,328 |
| Securities gains (losses) | $-100,000 | 8,626 |
| Applicable income taxes | $1,024,000 | 1,841 |
| Income before extraordinary items | $1,722,000 | 2,791 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,722,000 | 2,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,790 |
| Cash dividends | $1,510,000 | 1,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,786,000 | 2,680 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,179,000 | 4,326 |
| Total interest expense | $608,000 | 5,529 |
| Net interest income | $2,571,000 | 3,836 |
| Provision for loan and lease losses | $181,000 | 2,297 |
| Total noninterest income | $702,000 | 2,764 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $510,000 | 1,649 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $192,000 | 3,826 |
| Total noninterest expense | $1,213,000 | 5,437 |
| Salaries and employee benefits | $547,000 | 6,061 |
| Premises and equipment expense | $111,000 | 6,473 |
| Additional noninterest expense | $555,000 | 4,032 |
| Pre-tax net operating income | $1,879,000 | 2,292 |
| Securities gains (losses) | $-100,000 | 8,708 |
| Applicable income taxes | $662,000 | 1,864 |
| Income before extraordinary items | $1,117,000 | 2,833 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,117,000 | 2,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 1,956 |
| Cash dividends | $952,000 | 1,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,181,000 | 2,643 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,535,000 | 4,406 |
| Total interest expense | $270,000 | 5,763 |
| Net interest income | $1,265,000 | 3,890 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $392,000 | 2,525 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $257,000 | 1,591 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $135,000 | 3,174 |
| Total noninterest expense | $616,000 | 5,433 |
| Salaries and employee benefits | $289,000 | 5,905 |
| Premises and equipment expense | $54,000 | 6,573 |
| Additional noninterest expense | $273,000 | 4,094 |
| Pre-tax net operating income | $951,000 | 2,257 |
| Securities gains (losses) | $-101,000 | 8,837 |
| Applicable income taxes | $313,000 | 1,918 |
| Income before extraordinary items | $537,000 | 2,878 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $537,000 | 2,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 1,785 |
| Cash dividends | $393,000 | 1,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $601,640 | 2,576 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,141,000 | 4,184 |
| Total interest expense | $906,000 | 5,929 |
| Net interest income | $5,235,000 | 3,673 |
| Provision for loan and lease losses | $401,000 | 2,356 |
| Total noninterest income | $1,458,000 | 2,739 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,124,000 | 1,562 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $334,000 | 4,069 |
| Total noninterest expense | $2,589,000 | 5,178 |
| Salaries and employee benefits | $1,284,000 | 5,474 |
| Premises and equipment expense | $238,000 | 6,319 |
| Additional noninterest expense | $1,067,000 | 4,120 |
| Pre-tax net operating income | $3,703,000 | 2,182 |
| Securities gains (losses) | $-26,000 | 8,443 |
| Applicable income taxes | $1,364,000 | 1,733 |
| Income before extraordinary items | $2,313,000 | 2,580 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,313,000 | 2,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 1,975 |
| Cash dividends | $2,080,000 | 1,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,329,640 | 2,520 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,608,000 | 4,171 |
| Total interest expense | $641,000 | 6,078 |
| Net interest income | $3,967,000 | 3,620 |
| Provision for loan and lease losses | $226,000 | 2,744 |
| Total noninterest income | $1,058,000 | 2,810 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $838,000 | 1,572 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $220,000 | 4,322 |
| Total noninterest expense | $2,004,000 | 5,027 |
| Salaries and employee benefits | $1,029,000 | 5,220 |
| Premises and equipment expense | $179,000 | 6,296 |
| Additional noninterest expense | $796,000 | 4,105 |
| Pre-tax net operating income | $2,795,000 | 2,190 |
| Securities gains (losses) | $-26,000 | 8,704 |
| Applicable income taxes | $1,028,000 | 1,737 |
| Income before extraordinary items | $1,741,000 | 2,621 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,741,000 | 2,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 2,595 |
| Cash dividends | $1,566,000 | 1,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,757,640 | 2,533 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,015,000 | 4,240 |
| Total interest expense | $422,000 | 6,132 |
| Net interest income | $2,593,000 | 3,665 |
| Provision for loan and lease losses | $151,000 | 2,683 |
| Total noninterest income | $683,000 | 2,888 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $544,000 | 1,606 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $139,000 | 4,459 |
| Total noninterest expense | $1,308,000 | 5,119 |
| Salaries and employee benefits | $672,000 | 5,329 |
| Premises and equipment expense | $116,000 | 6,415 |
| Additional noninterest expense | $520,000 | 4,186 |
| Pre-tax net operating income | $1,817,000 | 2,218 |
| Securities gains (losses) | $-26,000 | 8,833 |
| Applicable income taxes | $665,000 | 1,777 |
| Income before extraordinary items | $1,126,000 | 2,660 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,126,000 | 2,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $1,050,000 | 1,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,142,640 | 2,563 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,499,000 | 4,268 |
| Total interest expense | $225,000 | 6,002 |
| Net interest income | $1,274,000 | 3,704 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $334,000 | 2,887 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $264,000 | 1,615 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $70,000 | 4,441 |
| Total noninterest expense | $651,000 | 5,156 |
| Salaries and employee benefits | $332,000 | 5,382 |
| Premises and equipment expense | $59,000 | 6,355 |
| Additional noninterest expense | $260,000 | 4,185 |
| Pre-tax net operating income | $882,000 | 2,246 |
| Securities gains (losses) | $-26,000 | 8,996 |
| Applicable income taxes | $317,000 | 1,842 |
| Income before extraordinary items | $539,000 | 2,758 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $539,000 | 2,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $535,000 | 1,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $555,640 | 2,602 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,158,000 | 4,232 |
| Total interest expense | $1,176,000 | 5,629 |
| Net interest income | $4,982,000 | 3,687 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $1,283,000 | 3,164 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,026,000 | 1,680 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $257,000 | 4,807 |
| Total noninterest expense | $2,616,000 | 5,052 |
| Salaries and employee benefits | $1,329,000 | 5,268 |
| Premises and equipment expense | $248,000 | 6,199 |
| Additional noninterest expense | $1,039,000 | 4,148 |
| Pre-tax net operating income | $3,409,000 | 2,257 |
| Securities gains (losses) | $40,000 | 2,704 |
| Applicable income taxes | $1,280,000 | 1,843 |
| Income before extraordinary items | $2,169,000 | 2,693 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,169,000 | 2,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 2,290 |
| Cash dividends | $2,139,000 | 1,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,143,400 | 2,584 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,686,000 | 4,238 |
| Total interest expense | $957,000 | 5,515 |
| Net interest income | $3,729,000 | 3,713 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $947,000 | 3,245 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $748,000 | 1,735 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $199,000 | 4,806 |
| Total noninterest expense | $1,950,000 | 5,066 |
| Salaries and employee benefits | $993,000 | 5,271 |
| Premises and equipment expense | $184,000 | 6,226 |
| Additional noninterest expense | $773,000 | 4,157 |
| Pre-tax net operating income | $2,546,000 | 2,348 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $945,000 | 1,945 |
| Income before extraordinary items | $1,601,000 | 2,821 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,601,000 | 2,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,499 |
| Cash dividends | $1,652,000 | 1,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,601,000 | 2,677 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,213,000 | 4,180 |
| Total interest expense | $694,000 | 5,374 |
| Net interest income | $2,519,000 | 3,675 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $623,000 | 3,256 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $489,000 | 1,737 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $134,000 | 4,782 |
| Total noninterest expense | $1,292,000 | 5,083 |
| Salaries and employee benefits | $657,000 | 5,313 |
| Premises and equipment expense | $116,000 | 6,372 |
| Additional noninterest expense | $519,000 | 4,123 |
| Pre-tax net operating income | $1,730,000 | 2,323 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $642,000 | 1,952 |
| Income before extraordinary items | $1,088,000 | 2,793 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,088,000 | 2,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,181 |
| Cash dividends | $1,163,000 | 1,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,088,000 | 2,634 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,613,000 | 4,204 |
| Total interest expense | $356,000 | 5,403 |
| Net interest income | $1,257,000 | 3,669 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $319,000 | 3,107 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $236,000 | 1,724 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $83,000 | 4,275 |
| Total noninterest expense | $647,000 | 5,083 |
| Salaries and employee benefits | $330,000 | 5,297 |
| Premises and equipment expense | $59,000 | 6,332 |
| Additional noninterest expense | $258,000 | 4,109 |
| Pre-tax net operating income | $869,000 | 2,305 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $322,000 | 1,954 |
| Income before extraordinary items | $547,000 | 2,752 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $547,000 | 2,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,690 |
| Cash dividends | $693,000 | 938 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $547,000 | 2,613 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,689,000 | 4,205 |
| Total interest expense | $1,515,000 | 5,687 |
| Net interest income | $5,174,000 | 3,560 |
| Provision for loan and lease losses | $210,000 | 4,243 |
| Total noninterest income | $1,292,000 | 2,925 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $987,000 | 1,635 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $305,000 | 4,222 |
| Total noninterest expense | $2,564,000 | 5,004 |
| Salaries and employee benefits | $1,311,000 | 5,175 |
| Premises and equipment expense | $219,000 | 6,535 |
| Additional noninterest expense | $1,034,000 | 4,064 |
| Pre-tax net operating income | $3,692,000 | 2,122 |
| Securities gains (losses) | $13,000 | 3,457 |
| Applicable income taxes | $1,371,000 | 1,773 |
| Income before extraordinary items | $2,334,000 | 2,478 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,334,000 | 2,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 3,463 |
| Cash dividends | $2,471,000 | 1,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,325,680 | 2,402 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,752,000 | 4,128 |
| Total interest expense | $2,847,000 | 4,924 |
| Net interest income | $4,905,000 | 3,485 |
| Provision for loan and lease losses | $215,000 | 3,959 |
| Total noninterest income | $1,212,000 | 2,914 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $960,000 | 1,541 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $252,000 | 4,478 |
| Total noninterest expense | $2,177,000 | 5,420 |
| Salaries and employee benefits | $1,290,000 | 5,060 |
| Premises and equipment expense | $243,000 | 6,170 |
| Additional noninterest expense | $644,000 | 5,581 |
| Pre-tax net operating income | $3,725,000 | 1,881 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $1,385,000 | 1,615 |
| Income before extraordinary items | $2,366,000 | 2,193 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,366,000 | 2,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 3,056 |
| Cash dividends | $1,569,000 | 1,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,349,360 | 2,137 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,850,000 | 4,197 |
| Total interest expense | $2,873,000 | 5,085 |
| Net interest income | $4,977,000 | 3,488 |
| Provision for loan and lease losses | $144,000 | 4,490 |
| Total noninterest income | $1,132,000 | 2,889 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $867,000 | 1,583 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,184 |
| Total noninterest expense | $2,299,000 | 5,162 |
| Salaries and employee benefits | $1,305,000 | 4,891 |
| Premises and equipment expense | $272,000 | 5,750 |
| Additional noninterest expense | $722,000 | 5,068 |
| Pre-tax net operating income | $3,666,000 | 1,991 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,359,000 | 1,638 |
| Income before extraordinary items | $2,307,000 | 2,233 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,307,000 | 2,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,843 |
| Cash dividends | $1,832,000 | 1,453 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,307,000 | 2,243 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,560,000 | 4,638 |
| Total interest expense | $2,182,000 | 5,682 |
| Net interest income | $4,378,000 | 3,872 |
| Provision for loan and lease losses | $144,000 | 4,363 |
| Total noninterest income | $1,084,000 | 2,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $779,000 | 1,695 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $305,000 | 3,984 |
| Total noninterest expense | $2,242,000 | 5,261 |
| Salaries and employee benefits | $1,378,000 | 4,646 |
| Premises and equipment expense | $283,000 | 5,641 |
| Additional noninterest expense | $581,000 | 5,943 |
| Pre-tax net operating income | $3,076,000 | 2,359 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $1,139,000 | 2,006 |
| Income before extraordinary items | $1,947,000 | 2,647 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,947,000 | 2,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,020 |
| Cash dividends | $1,672,000 | 1,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,940,600 | 2,629 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,390,000 | 4,758 |
| Total interest expense | $2,196,000 | 5,841 |
| Net interest income | $4,194,000 | 3,967 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $1,059,000 | 2,956 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $718,000 | 1,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $341,000 | 3,746 |
| Total noninterest expense | $2,237,000 | 5,153 |
| Salaries and employee benefits | $1,299,000 | 4,765 |
| Premises and equipment expense | $303,000 | 5,351 |
| Additional noninterest expense | $635,000 | 5,528 |
| Pre-tax net operating income | $2,776,000 | 2,555 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,018,000 | 2,287 |
| Income before extraordinary items | $1,758,000 | 2,844 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,758,000 | 2,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,465 |
| Cash dividends | $1,586,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,758,000 | 2,762 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,513,000 | 4,770 |
| Total interest expense | $2,369,000 | 5,625 |
| Net interest income | $4,144,000 | 4,112 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $1,059,000 | 2,917 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $672,000 | 1,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $387,000 | 3,353 |
| Total noninterest expense | $2,241,000 | 5,219 |
| Salaries and employee benefits | $1,255,000 | 4,915 |
| Premises and equipment expense | $280,000 | 5,660 |
| Additional noninterest expense | $706,000 | 5,183 |
| Pre-tax net operating income | $2,662,000 | 2,761 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $973,000 | 2,499 |
| Income before extraordinary items | $1,693,000 | 3,003 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,693,000 | 3,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 1,995 |
| Cash dividends | $1,526,000 | 1,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,690,440 | 2,953 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,053,000 | 5,157 |
| Total interest expense | $2,217,000 | 6,017 |
| Net interest income | $3,836,000 | 4,485 |
| Provision for loan and lease losses | $208,000 | 3,331 |
| Total noninterest income | $1,068,000 | 2,968 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $629,000 | 2,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $439,000 | 3,199 |
| Total noninterest expense | $2,315,000 | 5,309 |
| Salaries and employee benefits | $1,263,000 | 4,972 |
| Premises and equipment expense | $377,000 | 4,754 |
| Additional noninterest expense | $675,000 | 5,885 |
| Pre-tax net operating income | $2,381,000 | 2,912 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $851,000 | 2,696 |
| Income before extraordinary items | $1,533,000 | 3,133 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,533,000 | 3,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,539 |
| Cash dividends | $1,101,000 | 1,988 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,531,080 | 3,097 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,669,000 | 5,462 |
| Total interest expense | $2,124,000 | 6,219 |
| Net interest income | $3,545,000 | 4,810 |
| Provision for loan and lease losses | $225,000 | 2,789 |
| Total noninterest income | $955,000 | 3,216 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $580,000 | 2,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $375,000 | 3,454 |
| Total noninterest expense | $2,333,000 | 5,293 |
| Salaries and employee benefits | $1,231,000 | 5,094 |
| Premises and equipment expense | $427,000 | 4,282 |
| Additional noninterest expense | $675,000 | 6,025 |
| Pre-tax net operating income | $1,942,000 | 3,584 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $707,000 | 3,210 |
| Income before extraordinary items | $1,235,000 | 3,859 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,235,000 | 3,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,392 |
| Cash dividends | $463,000 | 3,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,235,000 | 3,832 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,764,000 | 5,882 |
| Total interest expense | $1,746,000 | 6,216 |
| Net interest income | $3,018,000 | 5,592 |
| Provision for loan and lease losses | $72,000 | 5,248 |
| Total noninterest income | $859,000 | 3,490 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $528,000 | 2,582 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $331,000 | 3,845 |
| Total noninterest expense | $2,404,000 | 5,340 |
| Salaries and employee benefits | $1,272,000 | 4,979 |
| Premises and equipment expense | $422,000 | 4,385 |
| Additional noninterest expense | $710,000 | 6,248 |
| Pre-tax net operating income | $1,401,000 | 4,675 |
| Securities gains (losses) | $24,000 | 1,636 |
| Applicable income taxes | $514,000 | 3,976 |
| Income before extraordinary items | $911,000 | 4,863 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $911,000 | 4,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,872 |
| Cash dividends | $470,000 | 3,378 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $895,640 | 4,994 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,209,000 | 6,621 |
| Total interest expense | $1,581,000 | 6,935 |
| Net interest income | $2,628,000 | 6,302 |
| Provision for loan and lease losses | $36,000 | 8,112 |
| Total noninterest income | $797,000 | 4,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $526,000 | 2,649 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $271,000 | 4,756 |
| Total noninterest expense | $2,232,000 | 5,795 |
| Salaries and employee benefits | $1,171,000 | 5,341 |
| Premises and equipment expense | $388,000 | 4,834 |
| Additional noninterest expense | $673,000 | 6,764 |
| Pre-tax net operating income | $1,157,000 | 5,310 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $382,000 | 5,172 |
| Income before extraordinary items | $775,000 | 5,700 |
| Extraordinary gains, net | $98,000 | 1,595 |
| Net income | $873,000 | 5,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,534 |
| Cash dividends | $679,000 | 2,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $775,000 | 5,464 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,157,000 | 7,307 |
| Total interest expense | $1,681,000 | 7,949 |
| Net interest income | $2,476,000 | 6,655 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $804,000 | 3,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $517,000 | 2,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $287,000 | 4,547 |
| Total noninterest expense | $2,154,000 | 6,025 |
| Salaries and employee benefits | $1,081,000 | 5,660 |
| Premises and equipment expense | $361,000 | 5,234 |
| Additional noninterest expense | $712,000 | 6,678 |
| Pre-tax net operating income | $1,006,000 | 5,591 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $312,000 | 5,769 |
| Income before extraordinary items | $694,000 | 5,968 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $694,000 | 6,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 5,871 |
| Cash dividends | $2,099,000 | 810 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $694,000 | 5,633 |
* 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.