Home > The Citizens National Bank > Income and Expense
The Citizens National Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $42,136,000 | 528 |
| Total interest expense | $15,571,000 | 646 |
| Net interest income | $26,565,000 | 451 |
| Provision for loan and lease losses | $-900,000 | 8,585 |
| Total noninterest income | $4,245,000 | 727 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,279,000 | 385 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,966,000 | 869 |
| Total noninterest expense | $14,206,000 | 659 |
| Salaries and employee benefits | $6,929,000 | 714 |
| Premises and equipment expense | $2,038,000 | 667 |
| Additional noninterest expense | $5,239,000 | 555 |
| Pre-tax net operating income | $17,504,000 | 353 |
| Securities gains (losses) | $51,000 | 530 |
| Applicable income taxes | $6,381,000 | 322 |
| Income before extraordinary items | $11,174,000 | 385 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $11,174,000 | 384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $1,233,000 | 1,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $11,141,360 | 383 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $20,716,000 | 532 |
| Total interest expense | $7,820,000 | 638 |
| Net interest income | $12,896,000 | 457 |
| Provision for loan and lease losses | $-200,000 | 8,581 |
| Total noninterest income | $2,062,000 | 737 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,040,000 | 404 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,022,000 | 823 |
| Total noninterest expense | $7,379,000 | 641 |
| Salaries and employee benefits | $3,812,000 | 659 |
| Premises and equipment expense | $1,008,000 | 671 |
| Additional noninterest expense | $2,559,000 | 557 |
| Pre-tax net operating income | $7,779,000 | 388 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,545,000 | 379 |
| Income before extraordinary items | $5,234,000 | 400 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $5,234,000 | 399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,108 |
| Cash dividends | $1,233,000 | 680 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $5,234,000 | 393 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $76,942,000 | 535 |
| Total interest expense | $25,547,000 | 664 |
| Net interest income | $51,395,000 | 450 |
| Provision for loan and lease losses | $-1,156,000 | 8,632 |
| Total noninterest income | $7,827,000 | 751 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,709,000 | 468 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,118,000 | 793 |
| Total noninterest expense | $28,504,000 | 623 |
| Salaries and employee benefits | $12,776,000 | 733 |
| Premises and equipment expense | $3,952,000 | 660 |
| Additional noninterest expense | $11,776,000 | 492 |
| Pre-tax net operating income | $31,874,000 | 383 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $11,795,000 | 350 |
| Income before extraordinary items | $20,079,000 | 425 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $20,079,000 | 424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $361,000 | 1,457 |
| Cash dividends | $13,504,000 | 314 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 1,100 |
| Net operating income | $20,079,000 | 419 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $56,431,000 | 551 |
| Total interest expense | $17,864,000 | 699 |
| Net interest income | $38,567,000 | 463 |
| Provision for loan and lease losses | $-1,156,000 | 8,701 |
| Total noninterest income | $5,793,000 | 777 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,718,000 | 479 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,075,000 | 801 |
| Total noninterest expense | $21,396,000 | 638 |
| Salaries and employee benefits | $9,590,000 | 747 |
| Premises and equipment expense | $2,957,000 | 671 |
| Additional noninterest expense | $8,849,000 | 497 |
| Pre-tax net operating income | $24,120,000 | 399 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $9,158,000 | 361 |
| Income before extraordinary items | $14,962,000 | 447 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $14,962,000 | 446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 1,551 |
| Cash dividends | $10,068,000 | 290 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 898 |
| Net operating income | $14,962,000 | 435 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $36,840,000 | 552 |
| Total interest expense | $11,114,000 | 707 |
| Net interest income | $25,726,000 | 464 |
| Provision for loan and lease losses | $-1,011,000 | 8,738 |
| Total noninterest income | $3,742,000 | 798 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,696,000 | 498 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,046,000 | 799 |
| Total noninterest expense | $14,213,000 | 649 |
| Salaries and employee benefits | $6,324,000 | 761 |
| Premises and equipment expense | $1,899,000 | 698 |
| Additional noninterest expense | $5,990,000 | 492 |
| Pre-tax net operating income | $16,266,000 | 395 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $6,184,000 | 356 |
| Income before extraordinary items | $10,082,000 | 441 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $10,082,000 | 440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 1,468 |
| Cash dividends | $6,700,000 | 298 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 737 |
| Net operating income | $10,082,000 | 429 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $17,838,000 | 552 |
| Total interest expense | $5,156,000 | 719 |
| Net interest income | $12,682,000 | 462 |
| Provision for loan and lease losses | $-1,011,000 | 8,764 |
| Total noninterest income | $1,758,000 | 824 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $815,000 | 505 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $943,000 | 842 |
| Total noninterest expense | $7,668,000 | 603 |
| Salaries and employee benefits | $3,198,000 | 753 |
| Premises and equipment expense | $960,000 | 680 |
| Additional noninterest expense | $3,510,000 | 432 |
| Pre-tax net operating income | $7,783,000 | 400 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,960,000 | 366 |
| Income before extraordinary items | $4,823,000 | 449 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,823,000 | 448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 1,056 |
| Cash dividends | $3,324,000 | 289 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 576 |
| Net operating income | $4,823,000 | 438 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $66,869,000 | 523 |
| Total interest expense | $15,353,000 | 741 |
| Net interest income | $51,516,000 | 445 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $7,659,000 | 759 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,530,000 | 486 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,129,000 | 777 |
| Total noninterest expense | $25,898,000 | 668 |
| Salaries and employee benefits | $13,400,000 | 678 |
| Premises and equipment expense | $4,130,000 | 594 |
| Additional noninterest expense | $8,368,000 | 651 |
| Pre-tax net operating income | $33,277,000 | 370 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $12,776,000 | 337 |
| Income before extraordinary items | $20,501,000 | 406 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $20,501,000 | 406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,450 |
| Cash dividends | $8,284,000 | 439 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 897 |
| Net operating income | $20,501,000 | 398 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $49,022,000 | 512 |
| Total interest expense | $10,675,000 | 751 |
| Net interest income | $38,347,000 | 446 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $5,678,000 | 775 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,691,000 | 479 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,987,000 | 812 |
| Total noninterest expense | $19,096,000 | 669 |
| Salaries and employee benefits | $10,113,000 | 664 |
| Premises and equipment expense | $2,939,000 | 619 |
| Additional noninterest expense | $6,044,000 | 667 |
| Pre-tax net operating income | $24,929,000 | 372 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $9,609,000 | 337 |
| Income before extraordinary items | $15,320,000 | 413 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $15,320,000 | 413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 1,862 |
| Cash dividends | $6,250,000 | 397 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $15,320,000 | 401 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $31,637,000 | 515 |
| Total interest expense | $6,548,000 | 765 |
| Net interest income | $25,089,000 | 449 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $3,680,000 | 782 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,775,000 | 469 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,905,000 | 840 |
| Total noninterest expense | $12,618,000 | 671 |
| Salaries and employee benefits | $6,648,000 | 665 |
| Premises and equipment expense | $1,897,000 | 636 |
| Additional noninterest expense | $4,073,000 | 653 |
| Pre-tax net operating income | $16,151,000 | 375 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,219,000 | 345 |
| Income before extraordinary items | $9,932,000 | 415 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $9,932,000 | 415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 933 |
| Cash dividends | $3,530,000 | 438 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $9,932,000 | 405 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $15,352,000 | 520 |
| Total interest expense | $3,040,000 | 786 |
| Net interest income | $12,312,000 | 451 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $1,748,000 | 799 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $872,000 | 455 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $876,000 | 877 |
| Total noninterest expense | $6,253,000 | 673 |
| Salaries and employee benefits | $3,276,000 | 677 |
| Premises and equipment expense | $942,000 | 636 |
| Additional noninterest expense | $2,035,000 | 646 |
| Pre-tax net operating income | $7,807,000 | 384 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,001,000 | 354 |
| Income before extraordinary items | $4,806,000 | 416 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $4,806,000 | 416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 440 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $4,806,000 | 406 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $56,475,000 | 521 |
| Total interest expense | $9,446,000 | 852 |
| Net interest income | $47,029,000 | 444 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $7,450,000 | 760 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,708,000 | 483 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,742,000 | 834 |
| Total noninterest expense | $24,660,000 | 665 |
| Salaries and employee benefits | $12,794,000 | 663 |
| Premises and equipment expense | $3,681,000 | 637 |
| Additional noninterest expense | $8,185,000 | 644 |
| Pre-tax net operating income | $29,819,000 | 374 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $11,273,000 | 343 |
| Income before extraordinary items | $18,546,000 | 412 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $18,546,000 | 413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,222 |
| Cash dividends | $4,156,000 | 737 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 811 |
| Net operating income | $18,546,000 | 404 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $41,647,000 | 517 |
| Total interest expense | $6,840,000 | 861 |
| Net interest income | $34,807,000 | 448 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $5,587,000 | 773 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,794,000 | 492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,793,000 | 850 |
| Total noninterest expense | $18,209,000 | 671 |
| Salaries and employee benefits | $9,538,000 | 661 |
| Premises and equipment expense | $2,678,000 | 650 |
| Additional noninterest expense | $5,993,000 | 649 |
| Pre-tax net operating income | $22,185,000 | 375 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $8,399,000 | 339 |
| Income before extraordinary items | $13,786,000 | 418 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $13,786,000 | 419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,418 |
| Cash dividends | $4,156,000 | 536 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $13,786,000 | 404 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $27,447,000 | 514 |
| Total interest expense | $4,475,000 | 867 |
| Net interest income | $22,972,000 | 451 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $3,795,000 | 767 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,873,000 | 481 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,922,000 | 825 |
| Total noninterest expense | $12,123,000 | 674 |
| Salaries and employee benefits | $6,371,000 | 660 |
| Premises and equipment expense | $1,762,000 | 657 |
| Additional noninterest expense | $3,990,000 | 654 |
| Pre-tax net operating income | $14,644,000 | 380 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $5,504,000 | 350 |
| Income before extraordinary items | $9,140,000 | 415 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $9,140,000 | 415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,362 |
| Cash dividends | $4,156,000 | 383 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $9,140,000 | 403 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $13,728,000 | 519 |
| Total interest expense | $2,225,000 | 897 |
| Net interest income | $11,503,000 | 458 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,731,000 | 801 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $911,000 | 476 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $820,000 | 908 |
| Total noninterest expense | $5,880,000 | 690 |
| Salaries and employee benefits | $3,160,000 | 676 |
| Premises and equipment expense | $794,000 | 742 |
| Additional noninterest expense | $1,926,000 | 662 |
| Pre-tax net operating income | $7,354,000 | 368 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $2,766,000 | 350 |
| Income before extraordinary items | $4,588,000 | 414 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $4,588,000 | 413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $2,366,000 | 328 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $4,588,000 | 393 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $47,849,000 | 586 |
| Total interest expense | $8,243,000 | 1,085 |
| Net interest income | $39,606,000 | 496 |
| Provision for loan and lease losses | $1,020,000 | 1,161 |
| Total noninterest income | $6,618,000 | 907 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,214,000 | 542 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,404,000 | 989 |
| Total noninterest expense | $20,631,000 | 779 |
| Salaries and employee benefits | $10,993,000 | 774 |
| Premises and equipment expense | $3,202,000 | 715 |
| Additional noninterest expense | $6,436,000 | 802 |
| Pre-tax net operating income | $24,573,000 | 408 |
| Securities gains (losses) | $326,000 | 1,000 |
| Applicable income taxes | $9,155,000 | 391 |
| Income before extraordinary items | $15,744,000 | 461 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $15,744,000 | 462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $479,000 | 1,661 |
| Cash dividends | $23,093,000 | 213 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $15,535,360 | 432 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $34,435,000 | 625 |
| Total interest expense | $6,013,000 | 1,163 |
| Net interest income | $28,422,000 | 525 |
| Provision for loan and lease losses | $765,000 | 1,125 |
| Total noninterest income | $4,859,000 | 953 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,311,000 | 572 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,548,000 | 1,035 |
| Total noninterest expense | $14,169,000 | 858 |
| Salaries and employee benefits | $7,877,000 | 814 |
| Premises and equipment expense | $2,016,000 | 850 |
| Additional noninterest expense | $4,276,000 | 901 |
| Pre-tax net operating income | $18,347,000 | 416 |
| Securities gains (losses) | $326,000 | 913 |
| Applicable income taxes | $6,814,000 | 410 |
| Income before extraordinary items | $11,859,000 | 474 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $11,859,000 | 475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,619 |
| Cash dividends | $20,525,000 | 191 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $11,650,360 | 446 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $23,072,000 | 629 |
| Total interest expense | $3,974,000 | 1,204 |
| Net interest income | $19,098,000 | 522 |
| Provision for loan and lease losses | $510,000 | 1,124 |
| Total noninterest income | $3,232,000 | 943 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,546,000 | 560 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,686,000 | 1,030 |
| Total noninterest expense | $9,387,000 | 869 |
| Salaries and employee benefits | $5,192,000 | 824 |
| Premises and equipment expense | $1,332,000 | 855 |
| Additional noninterest expense | $2,863,000 | 904 |
| Pre-tax net operating income | $12,433,000 | 416 |
| Securities gains (losses) | $326,000 | 762 |
| Applicable income taxes | $4,641,000 | 407 |
| Income before extraordinary items | $8,118,000 | 468 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $8,118,000 | 468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,285 |
| Cash dividends | $5,819,000 | 305 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $7,909,360 | 441 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $11,791,000 | 622 |
| Total interest expense | $2,034,000 | 1,204 |
| Net interest income | $9,757,000 | 516 |
| Provision for loan and lease losses | $255,000 | 1,093 |
| Total noninterest income | $1,631,000 | 914 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $795,000 | 528 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $836,000 | 1,014 |
| Total noninterest expense | $4,439,000 | 917 |
| Salaries and employee benefits | $2,587,000 | 827 |
| Premises and equipment expense | $634,000 | 910 |
| Additional noninterest expense | $1,218,000 | 1,007 |
| Pre-tax net operating income | $6,694,000 | 386 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,440,000 | 399 |
| Income before extraordinary items | $4,254,000 | 442 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,254,000 | 441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,653 |
| Cash dividends | $3,220,000 | 261 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $4,254,000 | 411 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $48,381,000 | 635 |
| Total interest expense | $9,394,000 | 1,197 |
| Net interest income | $38,987,000 | 517 |
| Provision for loan and lease losses | $1,003,000 | 1,344 |
| Total noninterest income | $6,328,000 | 861 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,107,000 | 528 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,221,000 | 955 |
| Total noninterest expense | $18,425,000 | 854 |
| Salaries and employee benefits | $9,668,000 | 837 |
| Premises and equipment expense | $2,598,000 | 842 |
| Additional noninterest expense | $6,159,000 | 815 |
| Pre-tax net operating income | $25,887,000 | 382 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $9,426,000 | 372 |
| Income before extraordinary items | $16,461,000 | 431 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $16,461,000 | 433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 3,208 |
| Cash dividends | $11,389,000 | 334 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $16,461,000 | 409 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $49,896,000 | 703 |
| Total interest expense | $15,346,000 | 1,052 |
| Net interest income | $34,550,000 | 540 |
| Provision for loan and lease losses | $688,000 | 1,698 |
| Total noninterest income | $5,642,000 | 888 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,711,000 | 562 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,931,000 | 963 |
| Total noninterest expense | $17,524,000 | 860 |
| Salaries and employee benefits | $8,793,000 | 847 |
| Premises and equipment expense | $2,596,000 | 813 |
| Additional noninterest expense | $6,135,000 | 814 |
| Pre-tax net operating income | $21,980,000 | 393 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $7,887,000 | 393 |
| Income before extraordinary items | $14,093,000 | 434 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $14,093,000 | 433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 3,244 |
| Cash dividends | $9,799,000 | 379 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $14,093,000 | 413 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $48,188,000 | 742 |
| Total interest expense | $16,342,000 | 1,074 |
| Net interest income | $31,846,000 | 587 |
| Provision for loan and lease losses | $1,490,000 | 769 |
| Total noninterest income | $4,831,000 | 950 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,070,000 | 650 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,761,000 | 904 |
| Total noninterest expense | $16,032,000 | 882 |
| Salaries and employee benefits | $8,309,000 | 837 |
| Premises and equipment expense | $2,385,000 | 834 |
| Additional noninterest expense | $5,338,000 | 909 |
| Pre-tax net operating income | $19,155,000 | 463 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $6,508,000 | 458 |
| Income before extraordinary items | $12,647,000 | 471 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $12,647,000 | 473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,051 |
| Cash dividends | $8,862,000 | 418 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $12,647,000 | 471 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $42,607,000 | 792 |
| Total interest expense | $12,770,000 | 1,191 |
| Net interest income | $29,837,000 | 636 |
| Provision for loan and lease losses | $1,333,000 | 774 |
| Total noninterest income | $4,944,000 | 956 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,017,000 | 657 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,927,000 | 907 |
| Total noninterest expense | $15,522,000 | 915 |
| Salaries and employee benefits | $7,731,000 | 886 |
| Premises and equipment expense | $2,377,000 | 845 |
| Additional noninterest expense | $5,414,000 | 900 |
| Pre-tax net operating income | $17,926,000 | 529 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $5,983,000 | 535 |
| Income before extraordinary items | $11,943,000 | 544 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $11,943,000 | 544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 9,920 |
| Cash dividends | $8,351,000 | 461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $11,943,000 | 531 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $42,320,000 | 789 |
| Total interest expense | $14,790,000 | 1,062 |
| Net interest income | $27,530,000 | 651 |
| Provision for loan and lease losses | $684,000 | 1,343 |
| Total noninterest income | $3,833,000 | 1,123 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,905,000 | 647 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,928,000 | 1,189 |
| Total noninterest expense | $15,111,000 | 920 |
| Salaries and employee benefits | $7,713,000 | 855 |
| Premises and equipment expense | $2,292,000 | 852 |
| Additional noninterest expense | $5,106,000 | 938 |
| Pre-tax net operating income | $15,568,000 | 535 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $5,118,000 | 570 |
| Income before extraordinary items | $10,450,000 | 573 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $10,450,000 | 572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,228 |
| Cash dividends | $7,286,000 | 492 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $10,450,000 | 546 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $39,480,000 | 872 |
| Total interest expense | $13,692,000 | 1,184 |
| Net interest income | $25,782,000 | 704 |
| Provision for loan and lease losses | $888,000 | 1,097 |
| Total noninterest income | $3,756,000 | 1,126 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,863,000 | 685 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,893,000 | 1,143 |
| Total noninterest expense | $14,620,000 | 953 |
| Salaries and employee benefits | $7,361,000 | 901 |
| Premises and equipment expense | $1,394,000 | 1,397 |
| Additional noninterest expense | $5,865,000 | 863 |
| Pre-tax net operating income | $14,030,000 | 612 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $4,612,000 | 642 |
| Income before extraordinary items | $9,418,000 | 627 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $9,418,000 | 628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,216,000 | 702 |
| Cash dividends | $6,595,000 | 506 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $9,418,000 | 602 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $36,483,000 | 964 |
| Total interest expense | $12,815,000 | 1,263 |
| Net interest income | $23,668,000 | 789 |
| Provision for loan and lease losses | $480,000 | 1,787 |
| Total noninterest income | $3,302,000 | 1,264 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,834,000 | 726 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,468,000 | 1,403 |
| Total noninterest expense | $13,573,000 | 1,094 |
| Salaries and employee benefits | $6,813,000 | 985 |
| Premises and equipment expense | $1,341,000 | 1,509 |
| Additional noninterest expense | $5,419,000 | 1,064 |
| Pre-tax net operating income | $12,917,000 | 644 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $4,358,000 | 647 |
| Income before extraordinary items | $8,559,000 | 663 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $8,559,000 | 663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $424,000 | 1,614 |
| Cash dividends | $5,900,000 | 612 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $8,559,000 | 645 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $34,791,000 | 1,018 |
| Total interest expense | $12,643,000 | 1,314 |
| Net interest income | $22,148,000 | 855 |
| Provision for loan and lease losses | $530,000 | 1,496 |
| Total noninterest income | $3,227,000 | 1,292 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,853,000 | 725 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,374,000 | 1,433 |
| Total noninterest expense | $13,404,000 | 1,112 |
| Salaries and employee benefits | $6,858,000 | 1,003 |
| Premises and equipment expense | $1,271,000 | 1,597 |
| Additional noninterest expense | $5,275,000 | 1,074 |
| Pre-tax net operating income | $11,441,000 | 745 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $3,850,000 | 749 |
| Income before extraordinary items | $7,591,000 | 759 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $7,591,000 | 759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,838 |
| Cash dividends | $3,648,000 | 815 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $7,591,000 | 745 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $31,901,000 | 997 |
| Total interest expense | $9,661,000 | 1,350 |
| Net interest income | $22,240,000 | 847 |
| Provision for loan and lease losses | $1,565,000 | 685 |
| Total noninterest income | $3,126,000 | 1,320 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,780,000 | 752 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,346,000 | 1,493 |
| Total noninterest expense | $13,105,000 | 1,145 |
| Salaries and employee benefits | $6,290,000 | 1,078 |
| Premises and equipment expense | $1,185,000 | 1,738 |
| Additional noninterest expense | $5,630,000 | 1,061 |
| Pre-tax net operating income | $10,696,000 | 754 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $3,780,000 | 718 |
| Income before extraordinary items | $6,916,000 | 770 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,916,000 | 769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,615,000 | 455 |
| Cash dividends | $2,687,000 | 887 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,916,000 | 776 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $32,554,000 | 988 |
| Total interest expense | $10,082,000 | 1,328 |
| Net interest income | $22,472,000 | 840 |
| Provision for loan and lease losses | $1,700,000 | 905 |
| Total noninterest income | $2,629,000 | 1,614 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,847,000 | 736 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $782,000 | 2,422 |
| Total noninterest expense | $11,525,000 | 1,335 |
| Salaries and employee benefits | $5,669,000 | 1,194 |
| Premises and equipment expense | $1,186,000 | 1,774 |
| Additional noninterest expense | $4,670,000 | 1,341 |
| Pre-tax net operating income | $11,876,000 | 612 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $4,499,000 | 583 |
| Income before extraordinary items | $7,377,000 | 708 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,377,000 | 728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,307,000 | 667 |
| Cash dividends | $3,102,000 | 691 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $7,377,000 | 664 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $36,602,000 | 1,009 |
| Total interest expense | $13,236,000 | 1,340 |
| Net interest income | $23,366,000 | 829 |
| Provision for loan and lease losses | $5,311,000 | 572 |
| Total noninterest income | $2,769,000 | 1,533 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $2,059,000 | 663 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $710,000 | 2,515 |
| Total noninterest expense | $11,015,000 | 1,409 |
| Salaries and employee benefits | $5,538,000 | 1,208 |
| Premises and equipment expense | $1,053,000 | 2,002 |
| Additional noninterest expense | $4,424,000 | 1,489 |
| Pre-tax net operating income | $9,809,000 | 649 |
| Securities gains (losses) | $2,861,000 | 322 |
| Applicable income taxes | $4,689,000 | 508 |
| Income before extraordinary items | $7,981,000 | 599 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $7,981,000 | 599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,279,000 | 1,338 |
| Cash dividends | $3,202,000 | 550 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $6,149,960 | 710 |
* 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.