Home > The Citizens Bank of Higginsport, Ohio > Income and Expense
The Citizens Bank of Higginsport, Ohio, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,810,000 | 4,902 |
| Total interest expense | $1,250,000 | 4,143 |
| Net interest income | $1,560,000 | 5,304 |
| Provision for loan and lease losses | $60,000 | 5,816 |
| Total noninterest income | $212,000 | 5,120 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $120,000 | 4,303 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $92,000 | 4,946 |
| Total noninterest expense | $1,443,000 | 5,357 |
| Salaries and employee benefits | $706,000 | 5,470 |
| Premises and equipment expense | $221,000 | 4,799 |
| Additional noninterest expense | $516,000 | 5,164 |
| Pre-tax net operating income | $269,000 | 4,298 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $69,000 | 2,927 |
| Income before extraordinary items | $200,000 | 4,538 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $200,000 | 4,536 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $200,000 | 4,536 |
| Net charge-offs | $187,000 | 3,503 |
| Cash dividends | $133,000 | 3,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $200,000 | 4,440 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,437,000 | 4,870 |
| Total interest expense | $645,000 | 4,170 |
| Net interest income | $792,000 | 5,240 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $107,000 | 5,094 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $58,000 | 4,312 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $49,000 | 4,878 |
| Total noninterest expense | $738,000 | 5,226 |
| Salaries and employee benefits | $351,000 | 5,527 |
| Premises and equipment expense | $119,000 | 4,641 |
| Additional noninterest expense | $268,000 | 4,761 |
| Pre-tax net operating income | $131,000 | 4,693 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $37,000 | 3,135 |
| Income before extraordinary items | $94,000 | 5,033 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $94,000 | 5,038 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $94,000 | 5,037 |
| Net charge-offs | $19,000 | 4,361 |
| Cash dividends | $8,000 | 2,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $94,000 | 4,872 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,383,000 | 4,755 |
| Total interest expense | $3,156,000 | 4,109 |
| Net interest income | $3,227,000 | 5,206 |
| Provision for loan and lease losses | $120,000 | 5,805 |
| Total noninterest income | $464,000 | 5,008 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $293,000 | 4,056 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $171,000 | 5,106 |
| Total noninterest expense | $2,964,000 | 5,153 |
| Salaries and employee benefits | $1,435,000 | 5,472 |
| Premises and equipment expense | $411,000 | 5,014 |
| Additional noninterest expense | $1,118,000 | 4,489 |
| Pre-tax net operating income | $607,000 | 4,598 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $126,000 | 3,204 |
| Income before extraordinary items | $481,000 | 4,517 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $481,000 | 4,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,906 |
| Cash dividends | $50,000 | 5,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $481,000 | 4,674 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,889,000 | 4,765 |
| Total interest expense | $2,435,000 | 4,149 |
| Net interest income | $2,454,000 | 5,202 |
| Provision for loan and lease losses | $90,000 | 5,263 |
| Total noninterest income | $342,000 | 5,124 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $225,000 | 4,035 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $117,000 | 5,343 |
| Total noninterest expense | $2,250,000 | 5,101 |
| Salaries and employee benefits | $1,079,000 | 5,472 |
| Premises and equipment expense | $310,000 | 5,012 |
| Additional noninterest expense | $861,000 | 4,340 |
| Pre-tax net operating income | $456,000 | 5,076 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $65,000 | 3,935 |
| Income before extraordinary items | $391,000 | 4,832 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $391,000 | 4,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,490 |
| Cash dividends | $30,000 | 4,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $391,000 | 4,990 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,269,000 | 4,818 |
| Total interest expense | $1,706,000 | 4,150 |
| Net interest income | $1,563,000 | 5,347 |
| Provision for loan and lease losses | $60,000 | 4,901 |
| Total noninterest income | $221,000 | 5,238 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $149,000 | 4,068 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $72,000 | 5,593 |
| Total noninterest expense | $1,475,000 | 5,182 |
| Salaries and employee benefits | $713,000 | 5,544 |
| Premises and equipment expense | $209,000 | 5,019 |
| Additional noninterest expense | $553,000 | 4,428 |
| Pre-tax net operating income | $249,000 | 5,497 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $35,000 | 4,323 |
| Income before extraordinary items | $214,000 | 5,509 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $214,000 | 5,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,555 |
| Cash dividends | $20,000 | 4,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $214,000 | 5,442 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,656,000 | 4,879 |
| Total interest expense | $915,000 | 4,145 |
| Net interest income | $741,000 | 5,515 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $107,000 | 5,281 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $74,000 | 4,043 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $33,000 | 5,761 |
| Total noninterest expense | $730,000 | 5,226 |
| Salaries and employee benefits | $361,000 | 5,548 |
| Premises and equipment expense | $107,000 | 4,968 |
| Additional noninterest expense | $262,000 | 4,543 |
| Pre-tax net operating income | $88,000 | 6,147 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $15,000 | 4,552 |
| Income before extraordinary items | $73,000 | 6,229 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $73,000 | 6,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,138 |
| Cash dividends | $10,000 | 3,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $73,000 | 6,134 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,881,000 | 4,779 |
| Total interest expense | $4,031,000 | 3,992 |
| Net interest income | $2,850,000 | 5,629 |
| Provision for loan and lease losses | $90,000 | 5,036 |
| Total noninterest income | $486,000 | 5,081 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $339,000 | 3,845 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $147,000 | 5,608 |
| Total noninterest expense | $2,767,000 | 5,270 |
| Salaries and employee benefits | $1,437,000 | 5,441 |
| Premises and equipment expense | $413,000 | 4,921 |
| Additional noninterest expense | $917,000 | 4,918 |
| Pre-tax net operating income | $479,000 | 6,061 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $78,000 | 4,649 |
| Income before extraordinary items | $401,000 | 6,044 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $401,000 | 6,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,283 |
| Cash dividends | $39,000 | 5,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $401,000 | 6,036 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,192,000 | 4,789 |
| Total interest expense | $3,060,000 | 3,958 |
| Net interest income | $2,132,000 | 5,671 |
| Provision for loan and lease losses | $90,000 | 4,255 |
| Total noninterest income | $374,000 | 5,059 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $254,000 | 3,848 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $120,000 | 5,477 |
| Total noninterest expense | $2,037,000 | 5,303 |
| Salaries and employee benefits | $1,069,000 | 5,440 |
| Premises and equipment expense | $313,000 | 4,886 |
| Additional noninterest expense | $655,000 | 5,002 |
| Pre-tax net operating income | $379,000 | 6,246 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $80,000 | 4,619 |
| Income before extraordinary items | $299,000 | 6,326 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $299,000 | 6,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,250 |
| Cash dividends | $29,000 | 5,050 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $299,000 | 6,321 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,505,000 | 4,761 |
| Total interest expense | $2,049,000 | 3,954 |
| Net interest income | $1,456,000 | 5,646 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $265,000 | 4,958 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $168,000 | 3,858 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $97,000 | 5,176 |
| Total noninterest expense | $1,321,000 | 5,423 |
| Salaries and employee benefits | $711,000 | 5,496 |
| Premises and equipment expense | $206,000 | 4,941 |
| Additional noninterest expense | $404,000 | 5,272 |
| Pre-tax net operating income | $310,000 | 5,971 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $70,000 | 4,482 |
| Income before extraordinary items | $240,000 | 6,088 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $240,000 | 6,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,011 |
| Cash dividends | $19,000 | 4,885 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $240,000 | 6,078 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,712,000 | 4,823 |
| Total interest expense | $1,011,000 | 3,984 |
| Net interest income | $701,000 | 5,753 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $113,000 | 5,260 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $80,000 | 3,905 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $33,000 | 5,825 |
| Total noninterest expense | $663,000 | 5,438 |
| Salaries and employee benefits | $354,000 | 5,554 |
| Premises and equipment expense | $99,000 | 5,082 |
| Additional noninterest expense | $210,000 | 5,109 |
| Pre-tax net operating income | $151,000 | 6,053 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $10,000 | 5,322 |
| Income before extraordinary items | $141,000 | 5,770 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $141,000 | 5,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,481 |
| Cash dividends | $12,000 | 3,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $141,000 | 5,752 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,692,000 | 4,689 |
| Total interest expense | $3,772,000 | 3,733 |
| Net interest income | $2,920,000 | 5,609 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $462,000 | 5,310 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $361,000 | 3,754 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $101,000 | 6,313 |
| Total noninterest expense | $2,588,000 | 5,374 |
| Salaries and employee benefits | $1,364,000 | 5,486 |
| Premises and equipment expense | $384,000 | 5,061 |
| Additional noninterest expense | $840,000 | 5,079 |
| Pre-tax net operating income | $794,000 | 5,674 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $181,000 | 4,402 |
| Income before extraordinary items | $613,000 | 5,776 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $613,000 | 5,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $356,000 | 4,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $613,000 | 5,762 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,019,000 | 4,680 |
| Total interest expense | $2,755,000 | 3,719 |
| Net interest income | $2,264,000 | 5,550 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $360,000 | 5,230 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $280,000 | 3,705 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $80,000 | 6,220 |
| Total noninterest expense | $1,926,000 | 5,379 |
| Salaries and employee benefits | $996,000 | 5,564 |
| Premises and equipment expense | $286,000 | 5,100 |
| Additional noninterest expense | $644,000 | 4,993 |
| Pre-tax net operating income | $698,000 | 5,533 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $186,000 | 4,218 |
| Income before extraordinary items | $512,000 | 5,707 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $512,000 | 5,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,228 |
| Cash dividends | $344,000 | 3,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $512,000 | 5,702 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,287,000 | 4,690 |
| Total interest expense | $1,767,000 | 3,697 |
| Net interest income | $1,520,000 | 5,548 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $251,000 | 5,140 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $193,000 | 3,625 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,139 |
| Total noninterest expense | $1,235,000 | 5,515 |
| Salaries and employee benefits | $643,000 | 5,686 |
| Premises and equipment expense | $186,000 | 5,159 |
| Additional noninterest expense | $406,000 | 5,154 |
| Pre-tax net operating income | $536,000 | 5,253 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $132,000 | 4,185 |
| Income before extraordinary items | $404,000 | 5,366 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $404,000 | 5,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,193 |
| Cash dividends | $332,000 | 2,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $404,000 | 5,366 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,613,000 | 4,692 |
| Total interest expense | $843,000 | 3,688 |
| Net interest income | $770,000 | 5,520 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $125,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $93,000 | 3,634 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 5,945 |
| Total noninterest expense | $618,000 | 5,520 |
| Salaries and employee benefits | $322,000 | 5,713 |
| Premises and equipment expense | $94,000 | 5,139 |
| Additional noninterest expense | $202,000 | 5,144 |
| Pre-tax net operating income | $277,000 | 5,136 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $67,000 | 4,109 |
| Income before extraordinary items | $210,000 | 5,249 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $210,000 | 5,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $320,000 | 1,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $210,000 | 5,243 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,209,000 | 4,518 |
| Total interest expense | $2,817,000 | 3,509 |
| Net interest income | $3,392,000 | 5,119 |
| Provision for loan and lease losses | $3,000 | 7,042 |
| Total noninterest income | $412,000 | 5,660 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $277,000 | 4,366 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $135,000 | 5,901 |
| Total noninterest expense | $2,403,000 | 5,499 |
| Salaries and employee benefits | $1,286,000 | 5,562 |
| Premises and equipment expense | $351,000 | 5,277 |
| Additional noninterest expense | $766,000 | 5,304 |
| Pre-tax net operating income | $1,398,000 | 4,544 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $367,000 | 3,836 |
| Income before extraordinary items | $1,031,000 | 4,750 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,031,000 | 4,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,857 |
| Cash dividends | $173,000 | 5,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,031,000 | 4,721 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,593,000 | 4,522 |
| Total interest expense | $2,009,000 | 3,501 |
| Net interest income | $2,584,000 | 5,079 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $284,000 | 5,884 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $173,000 | 4,778 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $111,000 | 5,769 |
| Total noninterest expense | $1,723,000 | 5,612 |
| Salaries and employee benefits | $923,000 | 5,688 |
| Premises and equipment expense | $252,000 | 5,413 |
| Additional noninterest expense | $548,000 | 5,425 |
| Pre-tax net operating income | $1,145,000 | 4,433 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $315,000 | 3,725 |
| Income before extraordinary items | $830,000 | 4,660 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $830,000 | 4,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,651 |
| Cash dividends | $153,000 | 4,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $830,000 | 4,620 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,049,000 | 4,470 |
| Total interest expense | $1,288,000 | 3,455 |
| Net interest income | $1,761,000 | 5,006 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $154,000 | 6,280 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $98,000 | 5,081 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $56,000 | 6,224 |
| Total noninterest expense | $1,159,000 | 5,584 |
| Salaries and employee benefits | $619,000 | 5,652 |
| Premises and equipment expense | $170,000 | 5,363 |
| Additional noninterest expense | $370,000 | 5,351 |
| Pre-tax net operating income | $756,000 | 4,418 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $204,000 | 3,754 |
| Income before extraordinary items | $552,000 | 4,633 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $552,000 | 4,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $143,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $552,000 | 4,587 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,512,000 | 4,463 |
| Total interest expense | $634,000 | 3,365 |
| Net interest income | $878,000 | 5,028 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $63,000 | 6,658 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $38,000 | 5,561 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $575,000 | 5,641 |
| Salaries and employee benefits | $284,000 | 5,964 |
| Premises and equipment expense | $86,000 | 5,371 |
| Additional noninterest expense | $205,000 | 4,984 |
| Pre-tax net operating income | $366,000 | 4,496 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $100,000 | 3,763 |
| Income before extraordinary items | $266,000 | 4,699 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $266,000 | 4,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $15,000 | 3,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $266,000 | 4,658 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,875,000 | 4,325 |
| Total interest expense | $2,391,000 | 3,155 |
| Net interest income | $3,484,000 | 4,922 |
| Provision for loan and lease losses | $191,000 | 3,781 |
| Total noninterest income | $252,000 | 6,764 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $178,000 | 5,459 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $74,000 | 6,906 |
| Total noninterest expense | $2,137,000 | 5,792 |
| Salaries and employee benefits | $1,049,000 | 6,123 |
| Premises and equipment expense | $305,000 | 5,646 |
| Additional noninterest expense | $783,000 | 5,170 |
| Pre-tax net operating income | $1,408,000 | 4,411 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $360,000 | 3,887 |
| Income before extraordinary items | $1,048,000 | 4,566 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,048,000 | 4,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,344 |
| Cash dividends | $70,000 | 5,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,048,000 | 4,491 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,386,000 | 4,312 |
| Total interest expense | $1,764,000 | 3,151 |
| Net interest income | $2,622,000 | 4,892 |
| Provision for loan and lease losses | $178,000 | 3,258 |
| Total noninterest income | $190,000 | 6,777 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $134,000 | 5,497 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $56,000 | 6,899 |
| Total noninterest expense | $1,606,000 | 5,756 |
| Salaries and employee benefits | $760,000 | 6,196 |
| Premises and equipment expense | $230,000 | 5,589 |
| Additional noninterest expense | $616,000 | 4,973 |
| Pre-tax net operating income | $1,028,000 | 4,539 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $252,000 | 4,073 |
| Income before extraordinary items | $776,000 | 4,706 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $776,000 | 4,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,870 |
| Cash dividends | $55,000 | 4,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $776,000 | 4,623 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,855,000 | 4,395 |
| Total interest expense | $1,159,000 | 3,172 |
| Net interest income | $1,696,000 | 4,999 |
| Provision for loan and lease losses | $86,000 | 3,821 |
| Total noninterest income | $123,000 | 6,850 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $86,000 | 5,587 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $37,000 | 6,933 |
| Total noninterest expense | $1,059,000 | 5,825 |
| Salaries and employee benefits | $508,000 | 6,239 |
| Premises and equipment expense | $151,000 | 5,643 |
| Additional noninterest expense | $400,000 | 5,060 |
| Pre-tax net operating income | $674,000 | 4,540 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $168,000 | 4,062 |
| Income before extraordinary items | $506,000 | 4,704 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $506,000 | 4,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,797 |
| Cash dividends | $40,000 | 4,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $506,000 | 4,615 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,422,000 | 4,432 |
| Total interest expense | $591,000 | 3,157 |
| Net interest income | $831,000 | 5,084 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $62,000 | 6,798 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $42,000 | 5,572 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $20,000 | 6,798 |
| Total noninterest expense | $515,000 | 5,950 |
| Salaries and employee benefits | $235,000 | 6,534 |
| Premises and equipment expense | $74,000 | 5,726 |
| Additional noninterest expense | $206,000 | 4,963 |
| Pre-tax net operating income | $348,000 | 4,452 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $83,000 | 4,079 |
| Income before extraordinary items | $265,000 | 4,601 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $265,000 | 4,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,206 |
| Cash dividends | $20,000 | 3,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $265,000 | 4,473 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,611,000 | 4,496 |
| Total interest expense | $2,619,000 | 3,229 |
| Net interest income | $2,992,000 | 5,316 |
| Provision for loan and lease losses | $321,000 | 3,009 |
| Total noninterest income | $255,000 | 6,914 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $172,000 | 5,589 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $83,000 | 6,824 |
| Total noninterest expense | $1,839,000 | 6,280 |
| Salaries and employee benefits | $882,000 | 6,659 |
| Premises and equipment expense | $315,000 | 5,520 |
| Additional noninterest expense | $642,000 | 5,769 |
| Pre-tax net operating income | $1,087,000 | 4,957 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $291,000 | 4,330 |
| Income before extraordinary items | $796,000 | 5,254 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $796,000 | 5,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,389 |
| Cash dividends | $30,000 | 6,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $796,000 | 5,091 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,222,000 | 4,549 |
| Total interest expense | $2,000,000 | 3,291 |
| Net interest income | $2,222,000 | 5,361 |
| Provision for loan and lease losses | $257,000 | 2,811 |
| Total noninterest income | $194,000 | 6,934 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $133,000 | 5,552 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $61,000 | 6,919 |
| Total noninterest expense | $1,375,000 | 6,240 |
| Salaries and employee benefits | $659,000 | 6,661 |
| Premises and equipment expense | $237,000 | 5,499 |
| Additional noninterest expense | $479,000 | 5,777 |
| Pre-tax net operating income | $784,000 | 5,189 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $188,000 | 4,749 |
| Income before extraordinary items | $596,000 | 5,413 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $596,000 | 5,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 2,945 |
| Cash dividends | $15,000 | 5,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $596,000 | 5,230 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,786,000 | 4,622 |
| Total interest expense | $1,350,000 | 3,341 |
| Net interest income | $1,436,000 | 5,463 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $125,000 | 6,993 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $87,000 | 5,574 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $38,000 | 7,030 |
| Total noninterest expense | $941,000 | 6,180 |
| Salaries and employee benefits | $456,000 | 6,563 |
| Premises and equipment expense | $161,000 | 5,416 |
| Additional noninterest expense | $324,000 | 5,723 |
| Pre-tax net operating income | $530,000 | 5,169 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $115,000 | 4,928 |
| Income before extraordinary items | $415,000 | 5,298 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $415,000 | 5,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,091 |
| Cash dividends | $15,000 | 5,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $415,000 | 5,097 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,400,000 | 4,625 |
| Total interest expense | $682,000 | 3,382 |
| Net interest income | $718,000 | 5,462 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $53,000 | 7,265 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $45,000 | 5,441 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $500,000 | 5,999 |
| Salaries and employee benefits | $247,000 | 6,294 |
| Premises and equipment expense | $79,000 | 5,487 |
| Additional noninterest expense | $174,000 | 5,473 |
| Pre-tax net operating income | $241,000 | 5,372 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $54,000 | 4,991 |
| Income before extraordinary items | $187,000 | 5,483 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $187,000 | 5,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $15,000 | 3,785 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $187,000 | 5,290 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,624,000 | 4,758 |
| Total interest expense | $2,995,000 | 3,548 |
| Net interest income | $2,629,000 | 5,742 |
| Provision for loan and lease losses | $70,000 | 6,288 |
| Total noninterest income | $255,000 | 6,814 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $184,000 | 5,401 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 7,051 |
| Total noninterest expense | $1,706,000 | 6,448 |
| Salaries and employee benefits | $873,000 | 6,604 |
| Premises and equipment expense | $285,000 | 5,732 |
| Additional noninterest expense | $548,000 | 6,236 |
| Pre-tax net operating income | $1,108,000 | 4,928 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $279,000 | 4,564 |
| Income before extraordinary items | $830,000 | 5,094 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $830,000 | 5,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,227 |
| Cash dividends | $65,000 | 5,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $829,250 | 4,973 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,717,000 | 5,147 |
| Total interest expense | $3,465,000 | 4,240 |
| Net interest income | $2,252,000 | 6,049 |
| Provision for loan and lease losses | $40,000 | 6,926 |
| Total noninterest income | $267,000 | 6,700 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $192,000 | 5,259 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $75,000 | 7,000 |
| Total noninterest expense | $1,683,000 | 6,377 |
| Salaries and employee benefits | $871,000 | 6,489 |
| Premises and equipment expense | $285,000 | 5,692 |
| Additional noninterest expense | $527,000 | 6,273 |
| Pre-tax net operating income | $796,000 | 5,493 |
| Securities gains (losses) | $-7,000 | 9,251 |
| Applicable income taxes | $183,000 | 5,175 |
| Income before extraordinary items | $606,000 | 5,597 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $606,000 | 5,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,057 |
| Cash dividends | $35,000 | 6,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $611,390 | 5,446 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,278,000 | 5,548 |
| Total interest expense | $2,933,000 | 5,011 |
| Net interest income | $2,345,000 | 6,037 |
| Provision for loan and lease losses | $45,000 | 6,708 |
| Total noninterest income | $242,000 | 6,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 4,859 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 8,923 |
| Total noninterest expense | $1,658,000 | 6,348 |
| Salaries and employee benefits | $881,000 | 6,375 |
| Premises and equipment expense | $275,000 | 5,711 |
| Additional noninterest expense | $502,000 | 6,420 |
| Pre-tax net operating income | $884,000 | 5,607 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $234,000 | 5,102 |
| Income before extraordinary items | $650,000 | 5,621 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $650,000 | 5,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,922 |
| Cash dividends | $71,000 | 6,227 |
| Sale, conversion, retirement of capital stock, net | $-337,000 | 9,819 |
| Net operating income | $650,000 | 5,630 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,700,000 | 5,789 |
| Total interest expense | $2,516,000 | 5,179 |
| Net interest income | $2,184,000 | 6,314 |
| Provision for loan and lease losses | $15,000 | 7,855 |
| Total noninterest income | $206,000 | 7,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,383 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,055 |
| Total noninterest expense | $1,650,000 | 6,410 |
| Salaries and employee benefits | $842,000 | 6,566 |
| Premises and equipment expense | $288,000 | 5,591 |
| Additional noninterest expense | $520,000 | 6,363 |
| Pre-tax net operating income | $725,000 | 6,225 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $184,000 | 5,879 |
| Income before extraordinary items | $541,000 | 6,208 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $541,000 | 6,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,892 |
| Cash dividends | $55,000 | 6,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $541,000 | 6,192 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,564,000 | 6,005 |
| Total interest expense | $2,481,000 | 5,395 |
| Net interest income | $2,083,000 | 6,518 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $199,000 | 7,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 5,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,387 |
| Total noninterest expense | $1,482,000 | 6,750 |
| Salaries and employee benefits | $756,000 | 6,887 |
| Premises and equipment expense | $260,000 | 5,831 |
| Additional noninterest expense | $466,000 | 6,679 |
| Pre-tax net operating income | $760,000 | 6,257 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $220,000 | 5,952 |
| Income before extraordinary items | $540,000 | 6,372 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $540,000 | 6,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,812 |
| Cash dividends | $47,000 | 6,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $540,000 | 6,265 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,949,000 | 6,705 |
| Total interest expense | $2,119,000 | 6,051 |
| Net interest income | $1,830,000 | 7,253 |
| Provision for loan and lease losses | $77,000 | 5,729 |
| Total noninterest income | $220,000 | 7,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,697 |
| Total noninterest expense | $1,335,000 | 7,217 |
| Salaries and employee benefits | $693,000 | 7,356 |
| Premises and equipment expense | $245,000 | 6,130 |
| Additional noninterest expense | $397,000 | 7,376 |
| Pre-tax net operating income | $638,000 | 7,257 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $174,000 | 7,253 |
| Income before extraordinary items | $464,000 | 7,203 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $464,000 | 7,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,428 |
| Cash dividends | $111,000 | 6,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $464,000 | 7,151 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,544,000 | 7,335 |
| Total interest expense | $1,917,000 | 6,591 |
| Net interest income | $1,627,000 | 7,957 |
| Provision for loan and lease losses | $16,000 | 8,168 |
| Total noninterest income | $138,000 | 9,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 7,247 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,065 |
| Total noninterest expense | $1,277,000 | 7,734 |
| Salaries and employee benefits | $649,000 | 7,848 |
| Premises and equipment expense | $222,000 | 6,659 |
| Additional noninterest expense | $406,000 | 7,831 |
| Pre-tax net operating income | $472,000 | 8,106 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $91,000 | 8,903 |
| Income before extraordinary items | $380,000 | 7,792 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $380,000 | 7,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $52,000 | 7,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $380,810 | 7,722 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,286,000 | 7,823 |
| Total interest expense | $1,746,000 | 7,024 |
| Net interest income | $1,540,000 | 8,425 |
| Provision for loan and lease losses | $23,000 | 7,541 |
| Total noninterest income | $96,000 | 10,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,284 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,205 |
| Total noninterest expense | $1,040,000 | 8,792 |
| Salaries and employee benefits | $554,000 | 8,685 |
| Premises and equipment expense | $138,000 | 8,574 |
| Additional noninterest expense | $348,000 | 8,711 |
| Pre-tax net operating income | $573,000 | 8,032 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $163,000 | 8,046 |
| Income before extraordinary items | $410,000 | 7,967 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $410,000 | 7,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,445 |
| Cash dividends | $47,000 | 7,864 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $410,000 | 7,932 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,902,000 | 8,225 |
| Total interest expense | $1,355,000 | 7,380 |
| Net interest income | $1,547,000 | 8,745 |
| Provision for loan and lease losses | $26,000 | 7,364 |
| Total noninterest income | $103,000 | 10,665 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 8,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,043 |
| Total noninterest expense | $972,000 | 9,470 |
| Salaries and employee benefits | $482,000 | 9,558 |
| Premises and equipment expense | $129,000 | 9,118 |
| Additional noninterest expense | $361,000 | 9,229 |
| Pre-tax net operating income | $652,000 | 7,697 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $205,000 | 7,263 |
| Income before extraordinary items | $447,000 | 7,749 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $447,000 | 7,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,088 |
| Cash dividends | $47,000 | 8,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $447,000 | 7,791 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,823,000 | 8,626 |
| Total interest expense | $1,329,000 | 7,781 |
| Net interest income | $1,494,000 | 9,130 |
| Provision for loan and lease losses | $70,000 | 6,634 |
| Total noninterest income | $94,000 | 11,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 12,543 |
| Total noninterest expense | $942,000 | 10,006 |
| Salaries and employee benefits | $460,000 | 10,036 |
| Premises and equipment expense | $121,000 | 9,761 |
| Additional noninterest expense | $361,000 | 9,718 |
| Pre-tax net operating income | $576,000 | 8,115 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $176,000 | 8,089 |
| Income before extraordinary items | $400,000 | 8,440 |
| Extraordinary gains, net | $63,000 | 1,988 |
| Net income | $463,000 | 8,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,803 |
| Cash dividends | $47,000 | 8,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $400,000 | 8,164 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,972,000 | 9,039 |
| Total interest expense | $1,534,000 | 8,412 |
| Net interest income | $1,438,000 | 9,487 |
| Provision for loan and lease losses | $89,000 | 7,639 |
| Total noninterest income | $103,000 | 11,644 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,794 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $883,000 | 10,587 |
| Salaries and employee benefits | $359,000 | 11,352 |
| Premises and equipment expense | $120,000 | 10,011 |
| Additional noninterest expense | $404,000 | 9,519 |
| Pre-tax net operating income | $569,000 | 7,931 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $177,000 | 8,040 |
| Income before extraordinary items | $391,000 | 8,309 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $391,000 | 8,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 7,838 |
| Cash dividends | $47,000 | 7,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $391,690 | 7,951 |
* 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.