Home > The Citizens Bank > Income and Expense
The Citizens Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,329,000 | 5,128 |
| Total interest expense | $1,503,000 | 5,424 |
| Net interest income | $2,826,000 | 4,799 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $611,000 | 3,922 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $428,000 | 2,764 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $183,000 | 4,596 |
| Total noninterest expense | $2,497,000 | 4,758 |
| Salaries and employee benefits | $934,000 | 5,884 |
| Premises and equipment expense | $532,000 | 3,500 |
| Additional noninterest expense | $1,031,000 | 3,777 |
| Pre-tax net operating income | $940,000 | 3,801 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $278,000 | 2,552 |
| Income before extraordinary items | $662,000 | 3,929 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $662,000 | 3,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,511 |
| Cash dividends | $250,000 | 3,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $662,000 | 4,083 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,981,000 | 5,100 |
| Total interest expense | $1,076,000 | 5,398 |
| Net interest income | $1,905,000 | 4,772 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $406,000 | 3,984 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $284,000 | 2,750 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $122,000 | 4,685 |
| Total noninterest expense | $1,786,000 | 4,590 |
| Salaries and employee benefits | $650,000 | 5,815 |
| Premises and equipment expense | $426,000 | 3,046 |
| Additional noninterest expense | $710,000 | 3,685 |
| Pre-tax net operating income | $525,000 | 4,292 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $146,000 | 3,048 |
| Income before extraordinary items | $379,000 | 4,587 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 4,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,008 |
| Cash dividends | $230,000 | 3,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $379,000 | 4,520 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,542,000 | 5,089 |
| Total interest expense | $561,000 | 5,463 |
| Net interest income | $981,000 | 4,686 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $210,000 | 3,907 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $147,000 | 2,677 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $63,000 | 4,607 |
| Total noninterest expense | $925,000 | 4,484 |
| Salaries and employee benefits | $330,000 | 5,822 |
| Premises and equipment expense | $200,000 | 3,228 |
| Additional noninterest expense | $395,000 | 3,346 |
| Pre-tax net operating income | $266,000 | 4,415 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $64,000 | 3,314 |
| Income before extraordinary items | $202,000 | 4,639 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $202,000 | 4,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,945 |
| Cash dividends | $93,000 | 2,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $202,000 | 4,543 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,173,000 | 5,123 |
| Total interest expense | $2,267,000 | 5,532 |
| Net interest income | $3,906,000 | 4,698 |
| Provision for loan and lease losses | $152,000 | 4,294 |
| Total noninterest income | $1,107,000 | 3,330 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $578,000 | 2,751 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $529,000 | 3,204 |
| Total noninterest expense | $3,252,000 | 4,761 |
| Salaries and employee benefits | $1,507,000 | 5,290 |
| Premises and equipment expense | $650,000 | 3,633 |
| Additional noninterest expense | $1,095,000 | 4,345 |
| Pre-tax net operating income | $1,609,000 | 3,777 |
| Securities gains (losses) | $-317,000 | 8,316 |
| Applicable income taxes | $421,000 | 2,963 |
| Income before extraordinary items | $871,000 | 4,609 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $871,000 | 4,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 2,296 |
| Cash dividends | $798,000 | 2,987 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,083,390 | 4,140 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,620,000 | 5,153 |
| Total interest expense | $1,693,000 | 5,549 |
| Net interest income | $2,927,000 | 4,708 |
| Provision for loan and lease losses | $108,000 | 3,997 |
| Total noninterest income | $610,000 | 3,996 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $433,000 | 2,740 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $177,000 | 4,740 |
| Total noninterest expense | $2,434,000 | 4,738 |
| Salaries and employee benefits | $1,138,000 | 5,259 |
| Premises and equipment expense | $501,000 | 3,539 |
| Additional noninterest expense | $795,000 | 4,378 |
| Pre-tax net operating income | $995,000 | 4,369 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $321,000 | 3,113 |
| Income before extraordinary items | $674,000 | 4,761 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $674,000 | 4,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,154 |
| Cash dividends | $495,000 | 2,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $674,000 | 4,747 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,071,000 | 5,178 |
| Total interest expense | $1,120,000 | 5,575 |
| Net interest income | $1,951,000 | 4,741 |
| Provision for loan and lease losses | $72,000 | 3,798 |
| Total noninterest income | $396,000 | 4,058 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $275,000 | 2,838 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $121,000 | 4,742 |
| Total noninterest expense | $1,623,000 | 4,767 |
| Salaries and employee benefits | $767,000 | 5,264 |
| Premises and equipment expense | $327,000 | 3,624 |
| Additional noninterest expense | $529,000 | 4,416 |
| Pre-tax net operating income | $652,000 | 4,470 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $210,000 | 3,195 |
| Income before extraordinary items | $442,000 | 4,843 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $442,000 | 4,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,491 |
| Cash dividends | $300,000 | 3,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $442,000 | 4,841 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,525,000 | 5,188 |
| Total interest expense | $556,000 | 5,585 |
| Net interest income | $969,000 | 4,763 |
| Provision for loan and lease losses | $36,000 | 3,550 |
| Total noninterest income | $184,000 | 4,205 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $126,000 | 2,972 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $58,000 | 4,822 |
| Total noninterest expense | $819,000 | 4,737 |
| Salaries and employee benefits | $387,000 | 5,278 |
| Premises and equipment expense | $171,000 | 3,526 |
| Additional noninterest expense | $261,000 | 4,396 |
| Pre-tax net operating income | $298,000 | 4,664 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $87,000 | 3,460 |
| Income before extraordinary items | $211,000 | 4,933 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $211,000 | 4,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 1,387 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $211,000 | 4,914 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,667,000 | 5,191 |
| Total interest expense | $1,993,000 | 5,417 |
| Net interest income | $3,674,000 | 4,896 |
| Provision for loan and lease losses | $149,000 | 4,083 |
| Total noninterest income | $282,000 | 6,299 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $556,000 | 2,845 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-274,000 | 8,677 |
| Total noninterest expense | $3,359,000 | 4,525 |
| Salaries and employee benefits | $1,553,000 | 5,076 |
| Premises and equipment expense | $695,000 | 3,345 |
| Additional noninterest expense | $1,111,000 | 4,176 |
| Pre-tax net operating income | $448,000 | 6,648 |
| Securities gains (losses) | $-8,000 | 7,211 |
| Applicable income taxes | $40,000 | 5,584 |
| Income before extraordinary items | $400,000 | 6,519 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $400,000 | 6,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,298 |
| Cash dividends | $540,000 | 3,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $407,280 | 6,493 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,197,000 | 5,220 |
| Total interest expense | $1,460,000 | 5,405 |
| Net interest income | $2,737,000 | 4,971 |
| Provision for loan and lease losses | $113,000 | 3,903 |
| Total noninterest income | $88,000 | 7,656 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $412,000 | 2,883 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-324,000 | 8,746 |
| Total noninterest expense | $2,515,000 | 4,516 |
| Salaries and employee benefits | $1,163,000 | 5,071 |
| Premises and equipment expense | $479,000 | 3,587 |
| Additional noninterest expense | $873,000 | 4,006 |
| Pre-tax net operating income | $197,000 | 7,426 |
| Securities gains (losses) | $-8,000 | 7,531 |
| Applicable income taxes | $101,000 | 4,920 |
| Income before extraordinary items | $88,000 | 7,786 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $88,000 | 7,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,384 |
| Cash dividends | $218,000 | 4,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $93,120 | 7,760 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,762,000 | 5,228 |
| Total interest expense | $941,000 | 5,381 |
| Net interest income | $1,821,000 | 4,991 |
| Provision for loan and lease losses | $77,000 | 3,767 |
| Total noninterest income | $-136,000 | 8,768 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $267,000 | 2,931 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-403,000 | 8,783 |
| Total noninterest expense | $1,648,000 | 4,582 |
| Salaries and employee benefits | $766,000 | 5,127 |
| Premises and equipment expense | $324,000 | 3,547 |
| Additional noninterest expense | $558,000 | 4,138 |
| Pre-tax net operating income | $-40,000 | 8,264 |
| Securities gains (losses) | $-8,000 | 7,799 |
| Applicable income taxes | $73,000 | 4,872 |
| Income before extraordinary items | $-121,000 | 8,363 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-121,000 | 8,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-69,000 | 8,500 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-113,000 | 8,355 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,334,000 | 5,282 |
| Total interest expense | $448,000 | 5,406 |
| Net interest income | $886,000 | 5,083 |
| Provision for loan and lease losses | $36,000 | 3,658 |
| Total noninterest income | $173,000 | 4,302 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $129,000 | 2,926 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $44,000 | 5,355 |
| Total noninterest expense | $826,000 | 4,593 |
| Salaries and employee benefits | $380,000 | 5,191 |
| Premises and equipment expense | $154,000 | 3,708 |
| Additional noninterest expense | $292,000 | 3,980 |
| Pre-tax net operating income | $197,000 | 5,870 |
| Securities gains (losses) | $-8,000 | 8,193 |
| Applicable income taxes | $63,000 | 4,198 |
| Income before extraordinary items | $126,000 | 6,317 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $126,000 | 6,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,493 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $131,360 | 6,239 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,988,000 | 5,153 |
| Total interest expense | $1,410,000 | 5,391 |
| Net interest income | $3,578,000 | 4,954 |
| Provision for loan and lease losses | $144,000 | 4,215 |
| Total noninterest income | $591,000 | 4,822 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $494,000 | 3,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $97,000 | 6,449 |
| Total noninterest expense | $3,074,000 | 4,687 |
| Salaries and employee benefits | $1,386,000 | 5,323 |
| Premises and equipment expense | $510,000 | 4,117 |
| Additional noninterest expense | $1,178,000 | 3,914 |
| Pre-tax net operating income | $951,000 | 5,486 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $292,000 | 4,174 |
| Income before extraordinary items | $664,000 | 5,776 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $664,000 | 5,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,016 |
| Cash dividends | $445,000 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $660,550 | 5,761 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,662,000 | 5,192 |
| Total interest expense | $1,014,000 | 5,395 |
| Net interest income | $2,648,000 | 5,005 |
| Provision for loan and lease losses | $108,000 | 4,052 |
| Total noninterest income | $428,000 | 4,952 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $369,000 | 3,080 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $59,000 | 6,795 |
| Total noninterest expense | $2,265,000 | 4,717 |
| Salaries and employee benefits | $995,000 | 5,437 |
| Premises and equipment expense | $378,000 | 4,139 |
| Additional noninterest expense | $892,000 | 3,837 |
| Pre-tax net operating income | $703,000 | 5,628 |
| Securities gains (losses) | $18,000 | 1,269 |
| Applicable income taxes | $229,000 | 4,220 |
| Income before extraordinary items | $492,000 | 5,935 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $492,000 | 5,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,203 |
| Cash dividends | $218,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $479,760 | 5,960 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,373,000 | 5,223 |
| Total interest expense | $645,000 | 5,374 |
| Net interest income | $1,728,000 | 5,068 |
| Provision for loan and lease losses | $72,000 | 3,910 |
| Total noninterest income | $285,000 | 4,924 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $249,000 | 3,021 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $36,000 | 6,940 |
| Total noninterest expense | $1,528,000 | 4,668 |
| Salaries and employee benefits | $630,000 | 5,587 |
| Premises and equipment expense | $260,000 | 4,027 |
| Additional noninterest expense | $638,000 | 3,622 |
| Pre-tax net operating income | $413,000 | 5,899 |
| Securities gains (losses) | $18,000 | 1,140 |
| Applicable income taxes | $130,000 | 4,458 |
| Income before extraordinary items | $301,000 | 6,114 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $301,000 | 6,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,928 |
| Cash dividends | $218,000 | 3,403 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $288,400 | 6,148 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,185,000 | 5,218 |
| Total interest expense | $310,000 | 5,386 |
| Net interest income | $875,000 | 5,044 |
| Provision for loan and lease losses | $36,000 | 3,732 |
| Total noninterest income | $129,000 | 5,097 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $119,000 | 3,049 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,741 |
| Total noninterest expense | $761,000 | 4,703 |
| Salaries and employee benefits | $306,000 | 5,735 |
| Premises and equipment expense | $122,000 | 4,262 |
| Additional noninterest expense | $333,000 | 3,502 |
| Pre-tax net operating income | $207,000 | 5,891 |
| Securities gains (losses) | $33,000 | 651 |
| Applicable income taxes | $92,000 | 3,902 |
| Income before extraordinary items | $148,000 | 6,133 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $148,000 | 6,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 1,823 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $126,880 | 6,421 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,424,000 | 5,234 |
| Total interest expense | $1,047,000 | 5,531 |
| Net interest income | $3,377,000 | 5,024 |
| Provision for loan and lease losses | $146,000 | 4,313 |
| Total noninterest income | $638,000 | 4,658 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $510,000 | 3,104 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $128,000 | 5,993 |
| Total noninterest expense | $3,032,000 | 4,626 |
| Salaries and employee benefits | $1,165,000 | 5,779 |
| Premises and equipment expense | $523,000 | 3,944 |
| Additional noninterest expense | $1,344,000 | 3,428 |
| Pre-tax net operating income | $837,000 | 5,682 |
| Securities gains (losses) | $15,000 | 2,589 |
| Applicable income taxes | $307,000 | 4,140 |
| Income before extraordinary items | $545,000 | 6,181 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $545,000 | 6,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $510,000 | 1,321 |
| Cash dividends | $445,000 | 3,745 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $535,400 | 6,140 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,287,000 | 5,250 |
| Total interest expense | $771,000 | 5,554 |
| Net interest income | $2,516,000 | 5,041 |
| Provision for loan and lease losses | $72,000 | 4,871 |
| Total noninterest income | $480,000 | 4,654 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $386,000 | 3,095 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $94,000 | 6,030 |
| Total noninterest expense | $2,268,000 | 4,604 |
| Salaries and employee benefits | $865,000 | 5,773 |
| Premises and equipment expense | $401,000 | 3,865 |
| Additional noninterest expense | $1,002,000 | 3,429 |
| Pre-tax net operating income | $656,000 | 5,668 |
| Securities gains (losses) | $12,000 | 2,612 |
| Applicable income taxes | $246,000 | 4,112 |
| Income before extraordinary items | $422,000 | 6,188 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $422,000 | 6,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $467,000 | 1,010 |
| Cash dividends | $218,000 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $414,320 | 6,163 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,166,000 | 5,295 |
| Total interest expense | $519,000 | 5,542 |
| Net interest income | $1,647,000 | 5,101 |
| Provision for loan and lease losses | $48,000 | 4,777 |
| Total noninterest income | $331,000 | 4,561 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $260,000 | 3,045 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $71,000 | 5,821 |
| Total noninterest expense | $1,548,000 | 4,564 |
| Salaries and employee benefits | $587,000 | 5,764 |
| Premises and equipment expense | $269,000 | 3,850 |
| Additional noninterest expense | $692,000 | 3,340 |
| Pre-tax net operating income | $382,000 | 5,965 |
| Securities gains (losses) | $20,000 | 2,036 |
| Applicable income taxes | $137,000 | 4,397 |
| Income before extraordinary items | $265,000 | 6,316 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $265,000 | 6,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $374,000 | 883 |
| Cash dividends | $218,000 | 3,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $251,800 | 6,340 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,079,000 | 5,332 |
| Total interest expense | $265,000 | 5,558 |
| Net interest income | $814,000 | 5,143 |
| Provision for loan and lease losses | $24,000 | 4,604 |
| Total noninterest income | $139,000 | 4,970 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $116,000 | 3,225 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $23,000 | 6,579 |
| Total noninterest expense | $812,000 | 4,423 |
| Salaries and employee benefits | $295,000 | 5,784 |
| Premises and equipment expense | $143,000 | 3,718 |
| Additional noninterest expense | $374,000 | 3,098 |
| Pre-tax net operating income | $117,000 | 6,895 |
| Securities gains (losses) | $20,000 | 1,707 |
| Applicable income taxes | $60,000 | 4,582 |
| Income before extraordinary items | $77,000 | 7,289 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $77,000 | 7,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 643 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $64,200 | 7,422 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,709,000 | 5,100 |
| Total interest expense | $1,402,000 | 5,086 |
| Net interest income | $3,307,000 | 4,987 |
| Provision for loan and lease losses | $550,000 | 2,001 |
| Total noninterest income | $1,068,000 | 3,576 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $421,000 | 3,534 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $647,000 | 3,113 |
| Total noninterest expense | $3,241,000 | 4,372 |
| Salaries and employee benefits | $1,377,000 | 5,148 |
| Premises and equipment expense | $525,000 | 3,915 |
| Additional noninterest expense | $1,339,000 | 3,410 |
| Pre-tax net operating income | $584,000 | 6,396 |
| Securities gains (losses) | $107,000 | 1,824 |
| Applicable income taxes | $265,000 | 4,470 |
| Income before extraordinary items | $426,000 | 6,681 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $426,000 | 6,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,705 |
| Cash dividends | $454,000 | 3,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $357,520 | 6,851 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,582,000 | 5,112 |
| Total interest expense | $1,118,000 | 5,022 |
| Net interest income | $2,464,000 | 5,024 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,420,000 | 2,446 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $322,000 | 3,493 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,098,000 | 1,914 |
| Total noninterest expense | $2,407,000 | 4,390 |
| Salaries and employee benefits | $1,023,000 | 5,171 |
| Premises and equipment expense | $366,000 | 4,134 |
| Additional noninterest expense | $1,018,000 | 3,345 |
| Pre-tax net operating income | $1,477,000 | 3,547 |
| Securities gains (losses) | $126,000 | 1,549 |
| Applicable income taxes | $557,000 | 2,821 |
| Income before extraordinary items | $1,046,000 | 3,874 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,046,000 | 3,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,738 |
| Cash dividends | $217,000 | 3,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $964,100 | 3,900 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,442,000 | 5,066 |
| Total interest expense | $783,000 | 4,997 |
| Net interest income | $1,659,000 | 4,973 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $287,000 | 5,115 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $215,000 | 3,448 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $72,000 | 5,940 |
| Total noninterest expense | $1,468,000 | 4,663 |
| Salaries and employee benefits | $689,000 | 5,145 |
| Premises and equipment expense | $248,000 | 4,072 |
| Additional noninterest expense | $531,000 | 4,046 |
| Pre-tax net operating income | $478,000 | 5,427 |
| Securities gains (losses) | $80,000 | 1,681 |
| Applicable income taxes | $239,000 | 3,635 |
| Income before extraordinary items | $319,000 | 5,968 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $319,000 | 5,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,783 |
| Cash dividends | $217,000 | 3,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $267,800 | 6,160 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,226,000 | 5,077 |
| Total interest expense | $410,000 | 4,969 |
| Net interest income | $816,000 | 5,019 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $159,000 | 4,741 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $108,000 | 3,351 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $51,000 | 5,226 |
| Total noninterest expense | $722,000 | 4,698 |
| Salaries and employee benefits | $351,000 | 5,074 |
| Premises and equipment expense | $124,000 | 4,049 |
| Additional noninterest expense | $247,000 | 4,254 |
| Pre-tax net operating income | $253,000 | 5,250 |
| Securities gains (losses) | $29,000 | 1,711 |
| Applicable income taxes | $97,000 | 3,988 |
| Income before extraordinary items | $185,000 | 5,511 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $185,000 | 5,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,992 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $165,860 | 5,593 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,628,000 | 4,756 |
| Total interest expense | $2,054,000 | 4,700 |
| Net interest income | $3,574,000 | 4,702 |
| Provision for loan and lease losses | $200,000 | 4,344 |
| Total noninterest income | $802,000 | 3,993 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $478,000 | 3,095 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $324,000 | 4,087 |
| Total noninterest expense | $2,881,000 | 4,590 |
| Salaries and employee benefits | $1,407,000 | 4,917 |
| Premises and equipment expense | $483,000 | 4,045 |
| Additional noninterest expense | $991,000 | 4,207 |
| Pre-tax net operating income | $1,295,000 | 4,500 |
| Securities gains (losses) | $-8,000 | 8,882 |
| Applicable income taxes | $474,000 | 3,565 |
| Income before extraordinary items | $813,000 | 5,160 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $813,000 | 5,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $544,000 | 1,567 |
| Cash dividends | $444,000 | 3,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $818,120 | 5,004 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,288,000 | 4,804 |
| Total interest expense | $2,853,000 | 4,916 |
| Net interest income | $3,435,000 | 4,622 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $552,000 | 4,798 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $445,000 | 3,125 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $107,000 | 6,284 |
| Total noninterest expense | $2,981,000 | 4,347 |
| Salaries and employee benefits | $1,418,000 | 4,711 |
| Premises and equipment expense | $500,000 | 3,861 |
| Additional noninterest expense | $1,063,000 | 3,865 |
| Pre-tax net operating income | $1,006,000 | 4,879 |
| Securities gains (losses) | $30,000 | 2,828 |
| Applicable income taxes | $392,000 | 3,774 |
| Income before extraordinary items | $644,000 | 5,442 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $644,000 | 5,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,676 |
| Cash dividends | $347,000 | 4,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $624,800 | 5,380 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,788,000 | 4,696 |
| Total interest expense | $3,023,000 | 4,893 |
| Net interest income | $3,765,000 | 4,383 |
| Provision for loan and lease losses | $900,000 | 1,159 |
| Total noninterest income | $420,000 | 5,405 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $312,000 | 3,942 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $108,000 | 6,248 |
| Total noninterest expense | $3,025,000 | 4,199 |
| Salaries and employee benefits | $1,327,000 | 4,826 |
| Premises and equipment expense | $529,000 | 3,627 |
| Additional noninterest expense | $1,169,000 | 3,514 |
| Pre-tax net operating income | $260,000 | 8,080 |
| Securities gains (losses) | $-55,000 | 9,236 |
| Applicable income taxes | $-599,000 | 9,804 |
| Income before extraordinary items | $804,000 | 5,037 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $804,000 | 5,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $825,000 | 860 |
| Cash dividends | $329,000 | 4,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $859,000 | 4,828 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,022,000 | 4,385 |
| Total interest expense | $2,987,000 | 4,623 |
| Net interest income | $4,035,000 | 4,146 |
| Provision for loan and lease losses | $1,600,000 | 668 |
| Total noninterest income | $511,000 | 4,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $389,000 | 3,284 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,135 |
| Total noninterest expense | $4,969,000 | 2,721 |
| Salaries and employee benefits | $1,341,000 | 4,754 |
| Premises and equipment expense | $505,000 | 3,735 |
| Additional noninterest expense | $3,123,000 | 1,472 |
| Pre-tax net operating income | $-2,023,000 | 10,156 |
| Securities gains (losses) | $-13,000 | 9,410 |
| Applicable income taxes | $-817,000 | 10,160 |
| Income before extraordinary items | $-1,219,000 | 10,111 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,219,000 | 10,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,399,000 | 563 |
| Cash dividends | $337,000 | 4,295 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-1,210,680 | 10,102 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,328,000 | 4,233 |
| Total interest expense | $3,055,000 | 4,659 |
| Net interest income | $4,273,000 | 3,909 |
| Provision for loan and lease losses | $2,482,000 | 503 |
| Total noninterest income | $586,000 | 4,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $459,000 | 2,753 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 6,070 |
| Total noninterest expense | $2,968,000 | 4,153 |
| Salaries and employee benefits | $1,239,000 | 4,951 |
| Premises and equipment expense | $541,000 | 3,475 |
| Additional noninterest expense | $1,188,000 | 3,401 |
| Pre-tax net operating income | $-591,000 | 10,226 |
| Securities gains (losses) | $-9,000 | 10,176 |
| Applicable income taxes | $-151,000 | 10,278 |
| Income before extraordinary items | $-449,000 | 10,203 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-449,000 | 10,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,067,000 | 371 |
| Cash dividends | $329,000 | 4,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-442,250 | 10,172 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,240,000 | 4,366 |
| Total interest expense | $3,067,000 | 4,621 |
| Net interest income | $4,173,000 | 4,085 |
| Provision for loan and lease losses | $475,000 | 1,852 |
| Total noninterest income | $809,000 | 3,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $477,000 | 2,738 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $332,000 | 3,696 |
| Total noninterest expense | $3,203,000 | 3,890 |
| Salaries and employee benefits | $1,240,000 | 4,951 |
| Premises and equipment expense | $600,000 | 3,154 |
| Additional noninterest expense | $1,363,000 | 2,976 |
| Pre-tax net operating income | $1,304,000 | 4,946 |
| Securities gains (losses) | $-29,000 | 10,497 |
| Applicable income taxes | $351,000 | 5,291 |
| Income before extraordinary items | $924,000 | 4,965 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $924,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,222 |
| Cash dividends | $256,000 | 4,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $944,880 | 4,833 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,052,000 | 4,546 |
| Total interest expense | $2,854,000 | 4,999 |
| Net interest income | $4,198,000 | 4,149 |
| Provision for loan and lease losses | $1,430,000 | 779 |
| Total noninterest income | $818,000 | 3,641 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $497,000 | 2,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $321,000 | 3,918 |
| Total noninterest expense | $3,066,000 | 4,238 |
| Salaries and employee benefits | $1,151,000 | 5,390 |
| Premises and equipment expense | $580,000 | 3,318 |
| Additional noninterest expense | $1,335,000 | 3,446 |
| Pre-tax net operating income | $520,000 | 7,824 |
| Securities gains (losses) | $-170,000 | 11,287 |
| Applicable income taxes | $-253,000 | 11,294 |
| Income before extraordinary items | $603,000 | 6,256 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $603,000 | 6,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $897,000 | 963 |
| Cash dividends | $310,000 | 4,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $773,000 | 5,370 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,572,000 | 4,810 |
| Total interest expense | $2,280,000 | 5,926 |
| Net interest income | $4,292,000 | 4,075 |
| Provision for loan and lease losses | $532,000 | 1,495 |
| Total noninterest income | $685,000 | 4,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $582,000 | 2,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,140 |
| Total noninterest expense | $2,427,000 | 5,129 |
| Salaries and employee benefits | $1,121,000 | 5,519 |
| Premises and equipment expense | $507,000 | 3,723 |
| Additional noninterest expense | $799,000 | 5,261 |
| Pre-tax net operating income | $2,018,000 | 3,467 |
| Securities gains (losses) | $-74,000 | 11,368 |
| Applicable income taxes | $547,000 | 3,921 |
| Income before extraordinary items | $1,397,000 | 3,477 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,397,000 | 3,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 2,038 |
| Cash dividends | $240,000 | 5,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,450,280 | 3,314 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,711,000 | 5,079 |
| Total interest expense | $1,787,000 | 6,108 |
| Net interest income | $3,924,000 | 4,465 |
| Provision for loan and lease losses | $270,000 | 2,445 |
| Total noninterest income | $568,000 | 4,850 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $468,000 | 2,952 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,516 |
| Total noninterest expense | $2,316,000 | 5,512 |
| Salaries and employee benefits | $1,111,000 | 5,599 |
| Premises and equipment expense | $307,000 | 5,617 |
| Additional noninterest expense | $898,000 | 5,175 |
| Pre-tax net operating income | $1,906,000 | 3,573 |
| Securities gains (losses) | $-211,000 | 11,973 |
| Applicable income taxes | $379,000 | 4,948 |
| Income before extraordinary items | $1,316,000 | 3,553 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,316,000 | 3,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,695 |
| Cash dividends | $182,000 | 5,693 |
| Sale, conversion, retirement of capital stock, net | $-84,000 | 12,503 |
| Net operating income | $1,480,580 | 3,241 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,534,000 | 5,307 |
| Total interest expense | $1,884,000 | 6,128 |
| Net interest income | $3,650,000 | 4,775 |
| Provision for loan and lease losses | $360,000 | 2,633 |
| Total noninterest income | $627,000 | 4,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $531,000 | 2,623 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 8,002 |
| Total noninterest expense | $2,036,000 | 6,231 |
| Salaries and employee benefits | $966,000 | 6,333 |
| Premises and equipment expense | $319,000 | 5,580 |
| Additional noninterest expense | $751,000 | 6,236 |
| Pre-tax net operating income | $1,881,000 | 3,526 |
| Securities gains (losses) | $45,000 | 3,566 |
| Applicable income taxes | $459,000 | 4,522 |
| Income before extraordinary items | $1,467,000 | 3,306 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,467,000 | 3,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 2,742 |
| Cash dividends | $180,000 | 5,679 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,167 |
| Net operating income | $1,432,800 | 3,203 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,554,000 | 5,853 |
| Total interest expense | $2,156,000 | 6,739 |
| Net interest income | $3,398,000 | 5,136 |
| Provision for loan and lease losses | $500,000 | 2,991 |
| Total noninterest income | $642,000 | 4,723 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $481,000 | 2,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 6,391 |
| Total noninterest expense | $1,827,000 | 6,863 |
| Salaries and employee benefits | $896,000 | 6,650 |
| Premises and equipment expense | $294,000 | 6,065 |
| Additional noninterest expense | $637,000 | 7,201 |
| Pre-tax net operating income | $1,713,000 | 3,595 |
| Securities gains (losses) | $76,000 | 3,457 |
| Applicable income taxes | $313,000 | 5,758 |
| Income before extraordinary items | $1,476,000 | 3,123 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,476,000 | 3,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $741,000 | 1,914 |
| Cash dividends | $120,000 | 6,190 |
| Sale, conversion, retirement of capital stock, net | $-36,000 | 13,805 |
| Net operating income | $1,412,920 | 3,018 |
* 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.