Home > The Citizens State Bank > Income and Expense
The Citizens State Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $341,000 | 8,451 |
| Total interest expense | $114,000 | 8,385 |
| Net interest income | $227,000 | 8,427 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $10,000 | 8,363 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $10,000 | 7,225 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $0 | 8,426 |
| Total noninterest expense | $245,000 | 8,386 |
| Salaries and employee benefits | $121,000 | 8,421 |
| Premises and equipment expense | $44,000 | 7,907 |
| Additional noninterest expense | $80,000 | 8,238 |
| Pre-tax net operating income | $-8,000 | 7,802 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-8,000 | 7,812 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-8,000 | 7,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,769 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-8,000 | 7,800 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $172,000 | 8,506 |
| Total interest expense | $55,000 | 8,433 |
| Net interest income | $117,000 | 8,470 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $6,000 | 8,365 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $5,000 | 7,254 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $122,000 | 8,423 |
| Salaries and employee benefits | $59,000 | 8,477 |
| Premises and equipment expense | $23,000 | 7,878 |
| Additional noninterest expense | $40,000 | 8,272 |
| Pre-tax net operating income | $1,000 | 7,825 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,000 | 7,847 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,000 | 7,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,000 | 7,830 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $686,000 | 8,453 |
| Total interest expense | $197,000 | 8,419 |
| Net interest income | $489,000 | 8,416 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $31,000 | 8,340 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $24,000 | 7,236 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,000 | 8,343 |
| Total noninterest expense | $548,000 | 8,378 |
| Salaries and employee benefits | $279,000 | 8,422 |
| Premises and equipment expense | $89,000 | 7,927 |
| Additional noninterest expense | $180,000 | 8,221 |
| Pre-tax net operating income | $-28,000 | 7,994 |
| Securities gains (losses) | $2,000 | 1,439 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-26,000 | 8,014 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-26,000 | 8,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-102,000 | 8,499 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-28,000 | 8,001 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $508,000 | 8,521 |
| Total interest expense | $140,000 | 8,492 |
| Net interest income | $368,000 | 8,483 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $21,000 | 8,448 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $19,000 | 7,290 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,526 |
| Total noninterest expense | $416,000 | 8,407 |
| Salaries and employee benefits | $209,000 | 8,456 |
| Premises and equipment expense | $69,000 | 7,933 |
| Additional noninterest expense | $138,000 | 8,230 |
| Pre-tax net operating income | $-27,000 | 8,158 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-27,000 | 8,172 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-27,000 | 8,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-98,000 | 8,524 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-27,000 | 8,162 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $341,000 | 8,571 |
| Total interest expense | $89,000 | 8,536 |
| Net interest income | $252,000 | 8,537 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $15,000 | 8,481 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $13,000 | 7,334 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,535 |
| Total noninterest expense | $279,000 | 8,436 |
| Salaries and employee benefits | $141,000 | 8,499 |
| Premises and equipment expense | $46,000 | 7,929 |
| Additional noninterest expense | $92,000 | 8,245 |
| Pre-tax net operating income | $-12,000 | 8,204 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-12,000 | 8,211 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-12,000 | 8,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-90,000 | 8,558 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-12,000 | 8,199 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $172,000 | 8,590 |
| Total interest expense | $44,000 | 8,556 |
| Net interest income | $128,000 | 8,557 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $7,000 | 8,517 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $6,000 | 7,374 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $138,000 | 8,462 |
| Salaries and employee benefits | $69,000 | 8,528 |
| Premises and equipment expense | $23,000 | 7,939 |
| Additional noninterest expense | $46,000 | 8,257 |
| Pre-tax net operating income | $-3,000 | 8,232 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-3,000 | 8,225 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,000 | 8,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-87,000 | 8,627 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-3,000 | 8,217 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $669,000 | 8,549 |
| Total interest expense | $199,000 | 8,448 |
| Net interest income | $470,000 | 8,559 |
| Provision for loan and lease losses | $130,000 | 4,334 |
| Total noninterest income | $35,000 | 8,512 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $29,000 | 7,363 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,000 | 8,519 |
| Total noninterest expense | $555,000 | 8,483 |
| Salaries and employee benefits | $247,000 | 8,610 |
| Premises and equipment expense | $97,000 | 7,892 |
| Additional noninterest expense | $211,000 | 8,159 |
| Pre-tax net operating income | $-180,000 | 8,368 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-180,000 | 8,406 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-180,000 | 8,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,059 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-180,000 | 8,384 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $500,000 | 8,592 |
| Total interest expense | $151,000 | 8,454 |
| Net interest income | $349,000 | 8,609 |
| Provision for loan and lease losses | $106,000 | 4,082 |
| Total noninterest income | $28,000 | 8,558 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $25,000 | 7,364 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,000 | 8,618 |
| Total noninterest expense | $419,000 | 8,477 |
| Salaries and employee benefits | $180,000 | 8,624 |
| Premises and equipment expense | $73,000 | 7,911 |
| Additional noninterest expense | $166,000 | 8,096 |
| Pre-tax net operating income | $-148,000 | 8,457 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-148,000 | 8,487 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-148,000 | 8,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,486 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-148,000 | 8,458 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $337,000 | 8,600 |
| Total interest expense | $104,000 | 8,421 |
| Net interest income | $233,000 | 8,621 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $21,000 | 8,532 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $18,000 | 7,341 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,000 | 8,558 |
| Total noninterest expense | $257,000 | 8,541 |
| Salaries and employee benefits | $106,000 | 8,689 |
| Premises and equipment expense | $49,000 | 7,887 |
| Additional noninterest expense | $102,000 | 8,179 |
| Pre-tax net operating income | $-3,000 | 8,362 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-3,000 | 8,380 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-3,000 | 8,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-3,000 | 8,350 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $169,000 | 8,677 |
| Total interest expense | $56,000 | 8,432 |
| Net interest income | $113,000 | 8,710 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $11,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,574 |
| Total noninterest expense | $132,000 | 8,591 |
| Salaries and employee benefits | $51,000 | 8,770 |
| Premises and equipment expense | $25,000 | 7,927 |
| Additional noninterest expense | $56,000 | 8,141 |
| Pre-tax net operating income | $-8,000 | 8,467 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-8,000 | 8,489 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-8,000 | 8,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-8,000 | 8,463 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $805,000 | 8,566 |
| Total interest expense | $238,000 | 8,342 |
| Net interest income | $567,000 | 8,587 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $57,000 | 8,522 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $43,000 | 7,394 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $14,000 | 8,404 |
| Total noninterest expense | $610,000 | 8,500 |
| Salaries and employee benefits | $282,000 | 8,635 |
| Premises and equipment expense | $101,000 | 7,956 |
| Additional noninterest expense | $227,000 | 8,145 |
| Pre-tax net operating income | $14,000 | 8,350 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $14,000 | 8,399 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $14,000 | 8,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,616 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $14,000 | 8,365 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $618,000 | 8,593 |
| Total interest expense | $184,000 | 8,344 |
| Net interest income | $434,000 | 8,621 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $41,000 | 8,591 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $6,000 | 7,841 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $35,000 | 7,515 |
| Total noninterest expense | $464,000 | 8,480 |
| Salaries and employee benefits | $215,000 | 8,654 |
| Premises and equipment expense | $55,000 | 8,312 |
| Additional noninterest expense | $194,000 | 7,953 |
| Pre-tax net operating income | $11,000 | 8,431 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $11,000 | 8,466 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $11,000 | 8,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,190 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $11,000 | 8,424 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $425,000 | 8,630 |
| Total interest expense | $125,000 | 8,377 |
| Net interest income | $300,000 | 8,646 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $28,000 | 8,640 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $28,000 | 7,267 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $0 | 8,943 |
| Total noninterest expense | $312,000 | 8,522 |
| Salaries and employee benefits | $148,000 | 8,685 |
| Premises and equipment expense | $37,000 | 8,342 |
| Additional noninterest expense | $127,000 | 8,001 |
| Pre-tax net operating income | $16,000 | 8,439 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $16,000 | 8,481 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $16,000 | 8,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $16,000 | 8,426 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $223,000 | 8,646 |
| Total interest expense | $66,000 | 8,390 |
| Net interest income | $157,000 | 8,659 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $13,000 | 8,701 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $13,000 | 7,319 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $167,000 | 8,487 |
| Salaries and employee benefits | $84,000 | 8,598 |
| Premises and equipment expense | $20,000 | 8,263 |
| Additional noninterest expense | $63,000 | 8,066 |
| Pre-tax net operating income | $3,000 | 8,508 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $3,000 | 8,552 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,000 | 8,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,000 | 8,497 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $936,000 | 8,641 |
| Total interest expense | $340,000 | 8,328 |
| Net interest income | $596,000 | 8,698 |
| Provision for loan and lease losses | $78,000 | 5,679 |
| Total noninterest income | $61,000 | 8,696 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $57,000 | 7,321 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,000 | 8,931 |
| Total noninterest expense | $614,000 | 8,629 |
| Salaries and employee benefits | $323,000 | 8,692 |
| Premises and equipment expense | $82,000 | 8,309 |
| Additional noninterest expense | $209,000 | 8,385 |
| Pre-tax net operating income | $-35,000 | 8,586 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-35,000 | 8,674 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-35,000 | 8,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,806 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-35,000 | 8,590 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $704,000 | 8,724 |
| Total interest expense | $264,000 | 8,407 |
| Net interest income | $440,000 | 8,781 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $42,000 | 8,805 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $41,000 | 7,419 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,000 | 9,071 |
| Total noninterest expense | $455,000 | 8,647 |
| Salaries and employee benefits | $240,000 | 8,706 |
| Premises and equipment expense | $64,000 | 8,298 |
| Additional noninterest expense | $151,000 | 8,454 |
| Pre-tax net operating income | $-3,000 | 8,651 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-3,000 | 8,733 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-3,000 | 8,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,881 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-3,000 | 8,641 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $478,000 | 8,756 |
| Total interest expense | $181,000 | 8,463 |
| Net interest income | $297,000 | 8,805 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $27,000 | 8,841 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $26,000 | 7,472 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,000 | 9,074 |
| Total noninterest expense | $301,000 | 8,677 |
| Salaries and employee benefits | $162,000 | 8,718 |
| Premises and equipment expense | $43,000 | 8,290 |
| Additional noninterest expense | $96,000 | 8,511 |
| Pre-tax net operating income | $23,000 | 8,539 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $23,000 | 8,629 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $23,000 | 8,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,922 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $23,000 | 8,504 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $242,000 | 8,808 |
| Total interest expense | $95,000 | 8,490 |
| Net interest income | $147,000 | 8,867 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $14,000 | 8,843 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $153,000 | 8,706 |
| Salaries and employee benefits | $81,000 | 8,757 |
| Premises and equipment expense | $24,000 | 8,165 |
| Additional noninterest expense | $48,000 | 8,544 |
| Pre-tax net operating income | $8,000 | 8,597 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $8,000 | 8,659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,000 | 8,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $8,000 | 8,552 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $810,000 | 8,993 |
| Total interest expense | $384,000 | 8,703 |
| Net interest income | $426,000 | 9,071 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $70,000 | 8,746 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $66,000 | 7,219 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 9,098 |
| Total noninterest expense | $636,000 | 8,687 |
| Salaries and employee benefits | $342,000 | 8,732 |
| Premises and equipment expense | $104,000 | 8,116 |
| Additional noninterest expense | $190,000 | 8,622 |
| Pre-tax net operating income | $-140,000 | 8,796 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-140,000 | 8,869 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-140,000 | 8,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-140,000 | 8,813 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,006,000 | 9,147 |
| Total interest expense | $556,000 | 8,908 |
| Net interest income | $450,000 | 9,262 |
| Provision for loan and lease losses | $50,000 | 6,655 |
| Total noninterest income | $62,000 | 9,022 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $47,000 | 7,661 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $15,000 | 8,930 |
| Total noninterest expense | $782,000 | 8,490 |
| Salaries and employee benefits | $400,000 | 8,627 |
| Premises and equipment expense | $144,000 | 7,624 |
| Additional noninterest expense | $238,000 | 8,333 |
| Pre-tax net operating income | $-320,000 | 9,045 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-9,000 | 8,997 |
| Income before extraordinary items | $-311,000 | 9,133 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-311,000 | 9,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,802 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-311,000 | 9,079 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,285,000 | 9,169 |
| Total interest expense | $695,000 | 8,877 |
| Net interest income | $590,000 | 9,308 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $405,000 | 5,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 7,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $362,000 | 3,563 |
| Total noninterest expense | $890,000 | 8,326 |
| Salaries and employee benefits | $483,000 | 8,331 |
| Premises and equipment expense | $166,000 | 7,315 |
| Additional noninterest expense | $241,000 | 8,417 |
| Pre-tax net operating income | $105,000 | 8,782 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $30,000 | 7,623 |
| Income before extraordinary items | $75,000 | 8,858 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $75,000 | 8,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,280 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $75,000 | 8,841 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,621,000 | 8,912 |
| Total interest expense | $769,000 | 8,761 |
| Net interest income | $852,000 | 8,949 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $65,000 | 9,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 7,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,578 |
| Total noninterest expense | $1,057,000 | 7,961 |
| Salaries and employee benefits | $671,000 | 7,389 |
| Premises and equipment expense | $164,000 | 7,413 |
| Additional noninterest expense | $222,000 | 8,822 |
| Pre-tax net operating income | $-140,000 | 9,567 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-47,000 | 9,819 |
| Income before extraordinary items | $-93,000 | 9,564 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-93,000 | 9,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-93,000 | 9,541 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,551,000 | 9,221 |
| Total interest expense | $671,000 | 9,266 |
| Net interest income | $880,000 | 9,073 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $73,000 | 9,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 10,010 |
| Total noninterest expense | $913,000 | 8,393 |
| Salaries and employee benefits | $544,000 | 8,085 |
| Premises and equipment expense | $155,000 | 7,539 |
| Additional noninterest expense | $214,000 | 8,972 |
| Pre-tax net operating income | $40,000 | 9,654 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $8,000 | 9,125 |
| Income before extraordinary items | $32,000 | 9,712 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $32,000 | 9,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 10,128 |
| Cash dividends | $22,000 | 7,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $32,000 | 9,654 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,441,000 | 9,757 |
| Total interest expense | $597,000 | 9,831 |
| Net interest income | $844,000 | 9,560 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $64,000 | 10,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 8,344 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 10,359 |
| Total noninterest expense | $705,000 | 9,387 |
| Salaries and employee benefits | $440,000 | 9,014 |
| Premises and equipment expense | $78,000 | 9,482 |
| Additional noninterest expense | $187,000 | 9,572 |
| Pre-tax net operating income | $203,000 | 9,557 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $62,000 | 9,053 |
| Income before extraordinary items | $140,000 | 9,669 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $140,000 | 9,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $22,000 | 7,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $140,690 | 9,622 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,310,000 | 10,377 |
| Total interest expense | $625,000 | 10,194 |
| Net interest income | $685,000 | 10,436 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $92,000 | 10,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 8,618 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 9,653 |
| Total noninterest expense | $652,000 | 9,985 |
| Salaries and employee benefits | $409,000 | 9,546 |
| Premises and equipment expense | $66,000 | 10,194 |
| Additional noninterest expense | $177,000 | 10,209 |
| Pre-tax net operating income | $125,000 | 10,236 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $38,000 | 9,901 |
| Income before extraordinary items | $87,000 | 10,340 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $87,000 | 10,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,437 |
| Cash dividends | $22,000 | 8,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $87,000 | 10,295 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,239,000 | 10,928 |
| Total interest expense | $620,000 | 10,603 |
| Net interest income | $619,000 | 11,075 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $70,000 | 10,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 9,123 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,150 |
| Total noninterest expense | $570,000 | 10,707 |
| Salaries and employee benefits | $362,000 | 10,237 |
| Premises and equipment expense | $66,000 | 10,593 |
| Additional noninterest expense | $142,000 | 11,157 |
| Pre-tax net operating income | $119,000 | 10,983 |
| Securities gains (losses) | $-20,000 | 10,553 |
| Applicable income taxes | $12,000 | 10,895 |
| Income before extraordinary items | $87,000 | 11,041 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $87,000 | 11,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,202 |
| Cash dividends | $22,000 | 8,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $104,600 | 10,867 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,198,000 | 11,356 |
| Total interest expense | $535,000 | 10,934 |
| Net interest income | $663,000 | 11,514 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $66,000 | 11,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 9,442 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,149 |
| Total noninterest expense | $622,000 | 11,023 |
| Salaries and employee benefits | $381,000 | 10,458 |
| Premises and equipment expense | $64,000 | 11,169 |
| Additional noninterest expense | $177,000 | 11,439 |
| Pre-tax net operating income | $107,000 | 11,588 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $25,000 | 11,050 |
| Income before extraordinary items | $82,000 | 11,547 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $82,000 | 11,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 12,000 |
| Cash dividends | $22,000 | 8,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $82,000 | 11,596 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,302,000 | 11,682 |
| Total interest expense | $544,000 | 11,449 |
| Net interest income | $758,000 | 11,674 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $67,000 | 12,150 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 10,299 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 11,745 |
| Total noninterest expense | $653,000 | 11,368 |
| Salaries and employee benefits | $369,000 | 10,953 |
| Premises and equipment expense | $68,000 | 11,579 |
| Additional noninterest expense | $216,000 | 11,521 |
| Pre-tax net operating income | $172,000 | 11,301 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $38,000 | 11,202 |
| Income before extraordinary items | $134,000 | 11,403 |
| Extraordinary gains, net | $80,000 | 1,785 |
| Net income | $214,000 | 10,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 12,752 |
| Cash dividends | $22,000 | 8,642 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $134,000 | 11,193 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,140,000 | 12,741 |
| Total interest expense | $551,000 | 12,525 |
| Net interest income | $589,000 | 12,745 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $43,000 | 13,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 10,969 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 13,358 |
| Total noninterest expense | $516,000 | 12,549 |
| Salaries and employee benefits | $307,000 | 11,930 |
| Premises and equipment expense | $62,000 | 12,181 |
| Additional noninterest expense | $147,000 | 13,001 |
| Pre-tax net operating income | $116,000 | 11,854 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $19,000 | 12,141 |
| Income before extraordinary items | $97,000 | 11,975 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $97,000 | 12,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $23,000 | 8,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $97,000 | 11,682 |
* 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.