Home > The Citizens National Bank of Urbana > Income and Expense
The Citizens National Bank of Urbana, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,671,000 | 4,480 |
| Total interest expense | $1,192,000 | 5,148 |
| Net interest income | $2,479,000 | 4,001 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $834,000 | 2,549 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $401,000 | 2,120 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $433,000 | 2,459 |
| Total noninterest expense | $1,993,000 | 4,244 |
| Salaries and employee benefits | $985,000 | 4,573 |
| Premises and equipment expense | $274,000 | 4,247 |
| Additional noninterest expense | $734,000 | 3,587 |
| Pre-tax net operating income | $1,320,000 | 2,442 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $420,000 | 1,816 |
| Income before extraordinary items | $900,000 | 2,801 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $900,000 | 2,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,007 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $900,000 | 2,747 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,853,000 | 4,544 |
| Total interest expense | $642,000 | 5,111 |
| Net interest income | $1,211,000 | 4,081 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $405,000 | 2,581 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $190,000 | 2,170 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $215,000 | 2,471 |
| Total noninterest expense | $1,032,000 | 4,149 |
| Salaries and employee benefits | $518,000 | 4,423 |
| Premises and equipment expense | $146,000 | 4,066 |
| Additional noninterest expense | $368,000 | 3,532 |
| Pre-tax net operating income | $584,000 | 2,767 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $185,000 | 2,076 |
| Income before extraordinary items | $399,000 | 3,196 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $399,000 | 3,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,346 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $399,000 | 3,117 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,173,000 | 4,302 |
| Total interest expense | $3,062,000 | 4,739 |
| Net interest income | $5,111,000 | 3,930 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,720,000 | 2,468 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $830,000 | 2,068 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $890,000 | 2,397 |
| Total noninterest expense | $4,137,000 | 4,009 |
| Salaries and employee benefits | $2,107,000 | 4,224 |
| Premises and equipment expense | $531,000 | 4,197 |
| Additional noninterest expense | $1,499,000 | 3,421 |
| Pre-tax net operating income | $2,694,000 | 2,655 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $864,000 | 2,047 |
| Income before extraordinary items | $1,830,000 | 3,021 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,830,000 | 3,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 2,556 |
| Cash dividends | $4,000,000 | 908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,830,000 | 3,016 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,212,000 | 4,289 |
| Total interest expense | $2,381,000 | 4,631 |
| Net interest income | $3,831,000 | 3,941 |
| Provision for loan and lease losses | $65,000 | 4,761 |
| Total noninterest income | $1,253,000 | 2,514 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $600,000 | 2,110 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $653,000 | 2,434 |
| Total noninterest expense | $3,118,000 | 3,980 |
| Salaries and employee benefits | $1,608,000 | 4,152 |
| Premises and equipment expense | $403,000 | 4,145 |
| Additional noninterest expense | $1,107,000 | 3,411 |
| Pre-tax net operating income | $1,901,000 | 2,952 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $607,000 | 2,273 |
| Income before extraordinary items | $1,294,000 | 3,296 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,294,000 | 3,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,364 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,294,000 | 3,282 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,194,000 | 4,282 |
| Total interest expense | $1,616,000 | 4,565 |
| Net interest income | $2,578,000 | 3,936 |
| Provision for loan and lease losses | $25,000 | 5,140 |
| Total noninterest income | $809,000 | 2,587 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $372,000 | 2,240 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $437,000 | 2,450 |
| Total noninterest expense | $2,107,000 | 3,968 |
| Salaries and employee benefits | $1,080,000 | 4,168 |
| Premises and equipment expense | $273,000 | 4,124 |
| Additional noninterest expense | $754,000 | 3,348 |
| Pre-tax net operating income | $1,255,000 | 3,015 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $402,000 | 2,374 |
| Income before extraordinary items | $853,000 | 3,379 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $853,000 | 3,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,969 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $853,000 | 3,359 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,129,000 | 4,217 |
| Total interest expense | $820,000 | 4,502 |
| Net interest income | $1,309,000 | 3,894 |
| Provision for loan and lease losses | $40,000 | 3,421 |
| Total noninterest income | $394,000 | 2,589 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $174,000 | 2,309 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $220,000 | 2,407 |
| Total noninterest expense | $1,058,000 | 3,962 |
| Salaries and employee benefits | $556,000 | 4,101 |
| Premises and equipment expense | $132,000 | 4,228 |
| Additional noninterest expense | $370,000 | 3,378 |
| Pre-tax net operating income | $605,000 | 3,096 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $193,000 | 2,447 |
| Income before extraordinary items | $412,000 | 3,426 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $412,000 | 3,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,588 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $412,000 | 3,402 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,897,000 | 3,899 |
| Total interest expense | $3,514,000 | 3,900 |
| Net interest income | $5,383,000 | 3,804 |
| Provision for loan and lease losses | $125,000 | 4,315 |
| Total noninterest income | $1,709,000 | 2,470 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $707,000 | 2,352 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,002,000 | 2,225 |
| Total noninterest expense | $4,274,000 | 3,790 |
| Salaries and employee benefits | $2,198,000 | 3,985 |
| Premises and equipment expense | $546,000 | 4,021 |
| Additional noninterest expense | $1,530,000 | 3,246 |
| Pre-tax net operating income | $2,693,000 | 2,979 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $839,000 | 2,414 |
| Income before extraordinary items | $1,854,000 | 3,275 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,854,000 | 3,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,478 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,854,000 | 3,257 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,697,000 | 3,861 |
| Total interest expense | $2,615,000 | 3,847 |
| Net interest income | $4,082,000 | 3,795 |
| Provision for loan and lease losses | $105,000 | 3,999 |
| Total noninterest income | $1,229,000 | 2,561 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $535,000 | 2,348 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $694,000 | 2,333 |
| Total noninterest expense | $3,219,000 | 3,765 |
| Salaries and employee benefits | $1,643,000 | 3,982 |
| Premises and equipment expense | $407,000 | 4,064 |
| Additional noninterest expense | $1,169,000 | 3,206 |
| Pre-tax net operating income | $1,987,000 | 3,123 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $634,000 | 2,511 |
| Income before extraordinary items | $1,353,000 | 3,428 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,353,000 | 3,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 2,145 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,353,000 | 3,421 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,502,000 | 3,788 |
| Total interest expense | $1,743,000 | 3,732 |
| Net interest income | $2,759,000 | 3,774 |
| Provision for loan and lease losses | $40,000 | 4,712 |
| Total noninterest income | $810,000 | 2,574 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $349,000 | 2,356 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $461,000 | 2,334 |
| Total noninterest expense | $2,160,000 | 3,751 |
| Salaries and employee benefits | $1,098,000 | 3,989 |
| Premises and equipment expense | $280,000 | 3,986 |
| Additional noninterest expense | $782,000 | 3,199 |
| Pre-tax net operating income | $1,369,000 | 3,071 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $437,000 | 2,491 |
| Income before extraordinary items | $932,000 | 3,375 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $932,000 | 3,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,811 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $932,000 | 3,366 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,234,000 | 3,764 |
| Total interest expense | $848,000 | 3,677 |
| Net interest income | $1,386,000 | 3,762 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $418,000 | 2,487 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $164,000 | 2,406 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $254,000 | 2,172 |
| Total noninterest expense | $1,069,000 | 3,806 |
| Salaries and employee benefits | $551,000 | 3,996 |
| Premises and equipment expense | $127,000 | 4,250 |
| Additional noninterest expense | $391,000 | 3,191 |
| Pre-tax net operating income | $735,000 | 2,874 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $236,000 | 2,360 |
| Income before extraordinary items | $499,000 | 3,162 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $499,000 | 3,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,725 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $499,000 | 3,140 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,746,000 | 3,210 |
| Total interest expense | $3,606,000 | 2,870 |
| Net interest income | $6,140,000 | 3,357 |
| Provision for loan and lease losses | $-100,000 | 8,628 |
| Total noninterest income | $1,056,000 | 3,425 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $691,000 | 2,373 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $365,000 | 3,932 |
| Total noninterest expense | $4,458,000 | 3,563 |
| Salaries and employee benefits | $2,272,000 | 3,761 |
| Premises and equipment expense | $525,000 | 4,028 |
| Additional noninterest expense | $1,661,000 | 2,982 |
| Pre-tax net operating income | $2,838,000 | 2,887 |
| Securities gains (losses) | $18,000 | 1,287 |
| Applicable income taxes | $928,000 | 2,359 |
| Income before extraordinary items | $1,928,000 | 3,180 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,928,000 | 3,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,694 |
| Cash dividends | $3,250,000 | 964 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,915,760 | 3,170 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,427,000 | 3,135 |
| Total interest expense | $2,744,000 | 2,725 |
| Net interest income | $4,683,000 | 3,314 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $1,129,000 | 2,690 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $507,000 | 2,421 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $622,000 | 2,501 |
| Total noninterest expense | $3,340,000 | 3,530 |
| Salaries and employee benefits | $1,786,000 | 3,594 |
| Premises and equipment expense | $393,000 | 4,018 |
| Additional noninterest expense | $1,161,000 | 3,120 |
| Pre-tax net operating income | $2,322,000 | 2,721 |
| Securities gains (losses) | $18,000 | 1,269 |
| Applicable income taxes | $755,000 | 2,294 |
| Income before extraordinary items | $1,585,000 | 3,005 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,585,000 | 3,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,996 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,572,760 | 2,980 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,071,000 | 2,999 |
| Total interest expense | $1,861,000 | 2,559 |
| Net interest income | $3,210,000 | 3,215 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $740,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $325,000 | 2,460 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $415,000 | 2,481 |
| Total noninterest expense | $2,263,000 | 3,458 |
| Salaries and employee benefits | $1,221,000 | 3,513 |
| Premises and equipment expense | $267,000 | 3,948 |
| Additional noninterest expense | $775,000 | 3,104 |
| Pre-tax net operating income | $1,587,000 | 2,636 |
| Securities gains (losses) | $18,000 | 1,140 |
| Applicable income taxes | $518,000 | 2,227 |
| Income before extraordinary items | $1,087,000 | 2,906 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,087,000 | 2,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 1,602 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,074,760 | 2,883 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,483,000 | 3,009 |
| Total interest expense | $855,000 | 2,641 |
| Net interest income | $1,628,000 | 3,175 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $358,000 | 2,682 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $154,000 | 2,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $204,000 | 2,457 |
| Total noninterest expense | $1,155,000 | 3,418 |
| Salaries and employee benefits | $629,000 | 3,432 |
| Premises and equipment expense | $139,000 | 3,869 |
| Additional noninterest expense | $387,000 | 3,106 |
| Pre-tax net operating income | $781,000 | 2,623 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $251,000 | 2,265 |
| Income before extraordinary items | $530,000 | 2,909 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $530,000 | 2,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 1,169 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $530,000 | 2,863 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,144,000 | 2,793 |
| Total interest expense | $2,892,000 | 2,706 |
| Net interest income | $7,252,000 | 2,793 |
| Provision for loan and lease losses | $580,000 | 1,719 |
| Total noninterest income | $1,252,000 | 3,031 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $730,000 | 2,299 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $522,000 | 3,234 |
| Total noninterest expense | $4,481,000 | 3,426 |
| Salaries and employee benefits | $2,333,000 | 3,533 |
| Premises and equipment expense | $523,000 | 3,944 |
| Additional noninterest expense | $1,625,000 | 2,940 |
| Pre-tax net operating income | $3,443,000 | 2,300 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,112,000 | 2,007 |
| Income before extraordinary items | $2,331,000 | 2,567 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,331,000 | 2,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $678,000 | 1,046 |
| Cash dividends | $2,400,000 | 1,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,331,000 | 2,517 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,650,000 | 2,749 |
| Total interest expense | $2,126,000 | 2,715 |
| Net interest income | $5,524,000 | 2,718 |
| Provision for loan and lease losses | $170,000 | 3,327 |
| Total noninterest income | $1,150,000 | 2,646 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $554,000 | 2,298 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $596,000 | 2,511 |
| Total noninterest expense | $3,390,000 | 3,376 |
| Salaries and employee benefits | $1,792,000 | 3,445 |
| Premises and equipment expense | $403,000 | 3,853 |
| Additional noninterest expense | $1,195,000 | 2,948 |
| Pre-tax net operating income | $3,114,000 | 2,009 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,014,000 | 1,752 |
| Income before extraordinary items | $2,100,000 | 2,219 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,100,000 | 2,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 1,820 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,100,000 | 2,171 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,095,000 | 2,737 |
| Total interest expense | $1,369,000 | 2,767 |
| Net interest income | $3,726,000 | 2,666 |
| Provision for loan and lease losses | $110,000 | 3,324 |
| Total noninterest income | $746,000 | 2,719 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $344,000 | 2,431 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $402,000 | 2,500 |
| Total noninterest expense | $2,271,000 | 3,395 |
| Salaries and employee benefits | $1,227,000 | 3,379 |
| Premises and equipment expense | $268,000 | 3,862 |
| Additional noninterest expense | $776,000 | 3,017 |
| Pre-tax net operating income | $2,091,000 | 1,969 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $680,000 | 1,746 |
| Income before extraordinary items | $1,411,000 | 2,186 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,411,000 | 2,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,446 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,411,000 | 2,127 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,552,000 | 2,738 |
| Total interest expense | $679,000 | 2,820 |
| Net interest income | $1,873,000 | 2,641 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $369,000 | 2,688 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $162,000 | 2,518 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $207,000 | 2,420 |
| Total noninterest expense | $1,133,000 | 3,405 |
| Salaries and employee benefits | $624,000 | 3,350 |
| Premises and equipment expense | $136,000 | 3,860 |
| Additional noninterest expense | $373,000 | 3,108 |
| Pre-tax net operating income | $1,109,000 | 1,845 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $359,000 | 1,693 |
| Income before extraordinary items | $750,000 | 2,048 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $750,000 | 2,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $750,000 | 1,969 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,263,000 | 3,035 |
| Total interest expense | $2,811,000 | 3,038 |
| Net interest income | $6,452,000 | 2,985 |
| Provision for loan and lease losses | $-35,000 | 8,957 |
| Total noninterest income | $1,710,000 | 2,581 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $640,000 | 2,562 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,070,000 | 2,290 |
| Total noninterest expense | $4,580,000 | 3,306 |
| Salaries and employee benefits | $2,404,000 | 3,367 |
| Premises and equipment expense | $597,000 | 3,538 |
| Additional noninterest expense | $1,579,000 | 2,934 |
| Pre-tax net operating income | $3,617,000 | 2,157 |
| Securities gains (losses) | $-291,000 | 9,106 |
| Applicable income taxes | $1,063,000 | 2,095 |
| Income before extraordinary items | $2,263,000 | 2,600 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,263,000 | 2,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,783 |
| Cash dividends | $1,200,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,460,880 | 2,298 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,996,000 | 3,060 |
| Total interest expense | $2,131,000 | 3,112 |
| Net interest income | $4,865,000 | 2,975 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $1,297,000 | 2,612 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $475,000 | 2,595 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $822,000 | 2,334 |
| Total noninterest expense | $3,456,000 | 3,265 |
| Salaries and employee benefits | $1,828,000 | 3,333 |
| Premises and equipment expense | $464,000 | 3,425 |
| Additional noninterest expense | $1,164,000 | 2,971 |
| Pre-tax net operating income | $2,436,000 | 2,444 |
| Securities gains (losses) | $-252,000 | 9,166 |
| Applicable income taxes | $684,000 | 2,427 |
| Income before extraordinary items | $1,500,000 | 2,965 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,500,000 | 2,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 2,725 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,673,880 | 2,575 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,797,000 | 3,010 |
| Total interest expense | $1,454,000 | 3,140 |
| Net interest income | $3,343,000 | 2,889 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $966,000 | 2,417 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $318,000 | 2,540 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $648,000 | 2,085 |
| Total noninterest expense | $2,286,000 | 3,297 |
| Salaries and employee benefits | $1,215,000 | 3,332 |
| Premises and equipment expense | $295,000 | 3,546 |
| Additional noninterest expense | $776,000 | 2,946 |
| Pre-tax net operating income | $1,843,000 | 2,187 |
| Securities gains (losses) | $-49,000 | 9,157 |
| Applicable income taxes | $575,000 | 2,107 |
| Income before extraordinary items | $1,219,000 | 2,539 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,219,000 | 2,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,755 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,252,320 | 2,338 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,347,000 | 3,078 |
| Total interest expense | $734,000 | 3,184 |
| Net interest income | $1,613,000 | 2,966 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $473,000 | 2,382 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $155,000 | 2,520 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $318,000 | 2,029 |
| Total noninterest expense | $1,172,000 | 3,224 |
| Salaries and employee benefits | $624,000 | 3,251 |
| Premises and equipment expense | $142,000 | 3,648 |
| Additional noninterest expense | $406,000 | 2,819 |
| Pre-tax net operating income | $824,000 | 2,409 |
| Securities gains (losses) | $-49,000 | 9,229 |
| Applicable income taxes | $245,000 | 2,352 |
| Income before extraordinary items | $530,000 | 2,823 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $530,000 | 2,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $563,320 | 2,547 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,036,000 | 3,011 |
| Total interest expense | $3,436,000 | 3,158 |
| Net interest income | $6,600,000 | 2,889 |
| Provision for loan and lease losses | $705,000 | 1,817 |
| Total noninterest income | $1,657,000 | 2,451 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $638,000 | 2,455 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,019,000 | 2,151 |
| Total noninterest expense | $4,632,000 | 3,141 |
| Salaries and employee benefits | $2,458,000 | 3,171 |
| Premises and equipment expense | $614,000 | 3,347 |
| Additional noninterest expense | $1,560,000 | 2,871 |
| Pre-tax net operating income | $2,920,000 | 2,557 |
| Securities gains (losses) | $-5,000 | 8,824 |
| Applicable income taxes | $896,000 | 2,399 |
| Income before extraordinary items | $2,019,000 | 2,776 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,019,000 | 2,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $777,000 | 1,190 |
| Cash dividends | $2,400,000 | 1,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,022,450 | 2,679 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,959,000 | 2,841 |
| Total interest expense | $5,251,000 | 3,027 |
| Net interest income | $6,708,000 | 2,665 |
| Provision for loan and lease losses | $819,000 | 1,472 |
| Total noninterest income | $1,533,000 | 2,471 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $634,000 | 2,331 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $899,000 | 2,205 |
| Total noninterest expense | $4,519,000 | 3,080 |
| Salaries and employee benefits | $2,352,000 | 3,119 |
| Premises and equipment expense | $634,000 | 3,217 |
| Additional noninterest expense | $1,533,000 | 2,819 |
| Pre-tax net operating income | $2,903,000 | 2,327 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $922,000 | 2,199 |
| Income before extraordinary items | $1,998,000 | 2,542 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,998,000 | 2,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $417,000 | 1,775 |
| Cash dividends | $3,000,000 | 915 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,986,440 | 2,469 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,019,000 | 2,896 |
| Total interest expense | $5,407,000 | 3,089 |
| Net interest income | $6,612,000 | 2,696 |
| Provision for loan and lease losses | $540,000 | 1,753 |
| Total noninterest income | $1,307,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $590,000 | 2,325 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $717,000 | 2,313 |
| Total noninterest expense | $4,343,000 | 3,103 |
| Salaries and employee benefits | $2,207,000 | 3,174 |
| Premises and equipment expense | $617,000 | 3,186 |
| Additional noninterest expense | $1,519,000 | 2,787 |
| Pre-tax net operating income | $3,036,000 | 2,364 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $975,000 | 2,172 |
| Income before extraordinary items | $2,061,000 | 2,493 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,061,000 | 2,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 2,388 |
| Cash dividends | $2,700,000 | 1,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,061,000 | 2,495 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,986,000 | 2,937 |
| Total interest expense | $4,602,000 | 3,151 |
| Net interest income | $6,384,000 | 2,750 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,322,000 | 2,505 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $636,000 | 2,095 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $686,000 | 2,414 |
| Total noninterest expense | $4,254,000 | 3,131 |
| Salaries and employee benefits | $2,192,000 | 3,152 |
| Premises and equipment expense | $677,000 | 2,945 |
| Additional noninterest expense | $1,385,000 | 3,061 |
| Pre-tax net operating income | $3,452,000 | 2,127 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,080,000 | 2,089 |
| Income before extraordinary items | $2,372,000 | 2,209 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,372,000 | 2,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 9,703 |
| Cash dividends | $1,200,000 | 1,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,372,000 | 2,178 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,005,000 | 3,234 |
| Total interest expense | $3,879,000 | 3,791 |
| Net interest income | $6,126,000 | 2,805 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $1,195,000 | 2,700 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $520,000 | 2,469 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $675,000 | 2,458 |
| Total noninterest expense | $4,257,000 | 3,053 |
| Salaries and employee benefits | $2,272,000 | 2,968 |
| Premises and equipment expense | $682,000 | 2,827 |
| Additional noninterest expense | $1,303,000 | 3,126 |
| Pre-tax net operating income | $3,064,000 | 2,326 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $961,000 | 2,374 |
| Income before extraordinary items | $2,103,000 | 2,445 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,103,000 | 2,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,781 |
| Cash dividends | $1,050,000 | 2,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,103,000 | 2,365 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,759,000 | 3,311 |
| Total interest expense | $3,645,000 | 4,011 |
| Net interest income | $6,114,000 | 2,849 |
| Provision for loan and lease losses | $-200,000 | 10,822 |
| Total noninterest income | $995,000 | 3,055 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $517,000 | 2,542 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $478,000 | 2,912 |
| Total noninterest expense | $4,290,000 | 2,970 |
| Salaries and employee benefits | $2,297,000 | 2,883 |
| Premises and equipment expense | $697,000 | 2,749 |
| Additional noninterest expense | $1,296,000 | 3,120 |
| Pre-tax net operating income | $3,019,000 | 2,479 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $906,000 | 2,643 |
| Income before extraordinary items | $2,121,000 | 2,449 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,121,000 | 2,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,759 |
| Cash dividends | $6,273,000 | 526 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,115,400 | 2,398 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,810,000 | 3,341 |
| Total interest expense | $3,759,000 | 3,929 |
| Net interest income | $6,051,000 | 2,931 |
| Provision for loan and lease losses | $75,000 | 5,702 |
| Total noninterest income | $941,000 | 3,291 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $487,000 | 2,775 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $454,000 | 3,124 |
| Total noninterest expense | $4,359,000 | 3,103 |
| Salaries and employee benefits | $2,331,000 | 2,869 |
| Premises and equipment expense | $712,000 | 2,740 |
| Additional noninterest expense | $1,316,000 | 3,492 |
| Pre-tax net operating income | $2,558,000 | 2,725 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $725,000 | 3,100 |
| Income before extraordinary items | $1,833,000 | 2,653 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,833,000 | 2,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,098 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,833,000 | 2,610 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,765,000 | 3,356 |
| Total interest expense | $3,813,000 | 3,839 |
| Net interest income | $5,952,000 | 2,995 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $857,000 | 3,498 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $472,000 | 2,874 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $385,000 | 3,384 |
| Total noninterest expense | $4,544,000 | 2,963 |
| Salaries and employee benefits | $2,418,000 | 2,761 |
| Premises and equipment expense | $752,000 | 2,632 |
| Additional noninterest expense | $1,374,000 | 3,326 |
| Pre-tax net operating income | $2,115,000 | 3,318 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $628,000 | 3,550 |
| Income before extraordinary items | $1,487,000 | 3,274 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,487,000 | 3,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,551 |
| Cash dividends | $1,080,000 | 1,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,487,000 | 3,247 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,765,000 | 3,422 |
| Total interest expense | $3,003,000 | 3,961 |
| Net interest income | $5,762,000 | 3,106 |
| Provision for loan and lease losses | $44,000 | 6,435 |
| Total noninterest income | $877,000 | 3,421 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $483,000 | 2,862 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $394,000 | 3,436 |
| Total noninterest expense | $4,617,000 | 2,985 |
| Salaries and employee benefits | $2,369,000 | 2,800 |
| Premises and equipment expense | $754,000 | 2,659 |
| Additional noninterest expense | $1,494,000 | 3,304 |
| Pre-tax net operating income | $1,978,000 | 3,456 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $573,000 | 3,648 |
| Income before extraordinary items | $1,405,000 | 3,361 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,405,000 | 3,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-309,000 | 12,483 |
| Cash dividends | $1,002,000 | 1,876 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,405,000 | 3,385 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,556,000 | 3,590 |
| Total interest expense | $3,218,000 | 3,879 |
| Net interest income | $5,338,000 | 3,358 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $848,000 | 3,806 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $483,000 | 2,895 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $365,000 | 3,997 |
| Total noninterest expense | $4,259,000 | 3,290 |
| Salaries and employee benefits | $2,142,000 | 3,059 |
| Premises and equipment expense | $715,000 | 2,823 |
| Additional noninterest expense | $1,402,000 | 3,703 |
| Pre-tax net operating income | $1,777,000 | 3,724 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $501,000 | 4,181 |
| Income before extraordinary items | $1,279,000 | 3,775 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,279,000 | 3,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,727 |
| Cash dividends | $1,127,000 | 1,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,276,840 | 3,582 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,939,000 | 3,875 |
| Total interest expense | $3,988,000 | 4,090 |
| Net interest income | $4,951,000 | 3,673 |
| Provision for loan and lease losses | $99,000 | 7,328 |
| Total noninterest income | $764,000 | 4,101 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $440,000 | 3,185 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $324,000 | 4,222 |
| Total noninterest expense | $3,971,000 | 3,523 |
| Salaries and employee benefits | $1,993,000 | 3,217 |
| Premises and equipment expense | $718,000 | 2,858 |
| Additional noninterest expense | $1,260,000 | 4,152 |
| Pre-tax net operating income | $1,645,000 | 3,722 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $457,000 | 4,306 |
| Income before extraordinary items | $1,189,000 | 3,843 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,189,000 | 3,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 7,598 |
| Cash dividends | $240,000 | 4,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,188,280 | 3,562 |
* 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.