Home > First Federal Bank > Income and Expense
First Federal Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $36,220,000 | 1,089 |
| Total interest expense | $12,676,000 | 1,327 |
| Net interest income | $23,544,000 | 940 |
| Provision for loan and lease losses | $390,000 | 2,314 |
| Total noninterest income | $3,012,000 | 1,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,012,000 | 993 |
| Total noninterest expense | $16,615,000 | 1,080 |
| Salaries and employee benefits | $10,494,000 | 917 |
| Premises and equipment expense | $3,409,000 | 745 |
| Additional noninterest expense | $2,712,000 | 1,945 |
| Pre-tax net operating income | $9,551,000 | 1,021 |
| Securities gains (losses) | $423,000 | 266 |
| Applicable income taxes | $4,084,000 | 742 |
| Income before extraordinary items | $5,890,000 | 1,237 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,890,000 | 1,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $886,000 | 761 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,619,280 | 1,275 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $26,681,000 | 1,109 |
| Total interest expense | $9,313,000 | 1,316 |
| Net interest income | $17,368,000 | 974 |
| Provision for loan and lease losses | $192,000 | 2,947 |
| Total noninterest income | $2,441,000 | 1,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,441,000 | 953 |
| Total noninterest expense | $12,652,000 | 1,072 |
| Salaries and employee benefits | $7,999,000 | 909 |
| Premises and equipment expense | $2,578,000 | 750 |
| Additional noninterest expense | $2,075,000 | 1,881 |
| Pre-tax net operating income | $6,965,000 | 1,099 |
| Securities gains (losses) | $292,000 | 279 |
| Applicable income taxes | $2,982,000 | 794 |
| Income before extraordinary items | $4,275,000 | 1,327 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,275,000 | 1,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,609 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,088,120 | 1,370 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,079,000 | 1,135 |
| Total interest expense | $6,085,000 | 1,286 |
| Net interest income | $10,994,000 | 1,038 |
| Provision for loan and lease losses | $-282,000 | 8,688 |
| Total noninterest income | $1,880,000 | 1,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,880,000 | 863 |
| Total noninterest expense | $8,337,000 | 1,084 |
| Salaries and employee benefits | $5,230,000 | 929 |
| Premises and equipment expense | $1,753,000 | 745 |
| Additional noninterest expense | $1,354,000 | 1,935 |
| Pre-tax net operating income | $4,819,000 | 1,052 |
| Securities gains (losses) | $152,000 | 298 |
| Applicable income taxes | $2,040,000 | 784 |
| Income before extraordinary items | $2,931,000 | 1,281 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,931,000 | 1,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 2,743 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,833,720 | 1,309 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,403,000 | 1,116 |
| Total interest expense | $2,945,000 | 1,272 |
| Net interest income | $5,458,000 | 1,040 |
| Provision for loan and lease losses | $-287,000 | 8,727 |
| Total noninterest income | $843,000 | 1,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $843,000 | 930 |
| Total noninterest expense | $4,209,000 | 1,076 |
| Salaries and employee benefits | $2,630,000 | 930 |
| Premises and equipment expense | $931,000 | 700 |
| Additional noninterest expense | $648,000 | 2,012 |
| Pre-tax net operating income | $2,379,000 | 1,049 |
| Securities gains (losses) | $105,000 | 246 |
| Applicable income taxes | $1,021,000 | 775 |
| Income before extraordinary items | $1,463,000 | 1,264 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,463,000 | 1,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 1,701 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,395,800 | 1,294 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $26,142,000 | 1,274 |
| Total interest expense | $8,285,000 | 1,371 |
| Net interest income | $17,857,000 | 1,212 |
| Provision for loan and lease losses | $-133,000 | 8,657 |
| Total noninterest income | $3,244,000 | 1,510 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,244,000 | 965 |
| Total noninterest expense | $13,661,000 | 1,262 |
| Salaries and employee benefits | $8,371,000 | 1,106 |
| Premises and equipment expense | $3,107,000 | 780 |
| Additional noninterest expense | $2,183,000 | 2,293 |
| Pre-tax net operating income | $7,573,000 | 1,254 |
| Securities gains (losses) | $587,000 | 256 |
| Applicable income taxes | $3,342,000 | 885 |
| Income before extraordinary items | $4,818,000 | 1,467 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,818,000 | 1,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 2,863 |
| Cash dividends | $6,000,000 | 564 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,442,320 | 1,557 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $17,981,000 | 1,358 |
| Total interest expense | $5,623,000 | 1,428 |
| Net interest income | $12,358,000 | 1,314 |
| Provision for loan and lease losses | $7,000 | 6,660 |
| Total noninterest income | $2,292,000 | 1,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,292,000 | 1,007 |
| Total noninterest expense | $9,696,000 | 1,325 |
| Salaries and employee benefits | $5,895,000 | 1,166 |
| Premises and equipment expense | $2,246,000 | 798 |
| Additional noninterest expense | $1,555,000 | 2,360 |
| Pre-tax net operating income | $4,947,000 | 1,447 |
| Securities gains (losses) | $428,000 | 293 |
| Applicable income taxes | $2,213,000 | 981 |
| Income before extraordinary items | $3,162,000 | 1,669 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,162,000 | 1,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,287 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,888,080 | 1,778 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,077,000 | 1,589 |
| Total interest expense | $3,091,000 | 1,641 |
| Net interest income | $6,986,000 | 1,532 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,292,000 | 1,816 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,292,000 | 1,114 |
| Total noninterest expense | $5,603,000 | 1,510 |
| Salaries and employee benefits | $3,590,000 | 1,275 |
| Premises and equipment expense | $1,220,000 | 956 |
| Additional noninterest expense | $793,000 | 3,034 |
| Pre-tax net operating income | $2,675,000 | 1,735 |
| Securities gains (losses) | $269,000 | 348 |
| Applicable income taxes | $1,197,000 | 1,173 |
| Income before extraordinary items | $1,747,000 | 1,946 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,747,000 | 1,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,666 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,574,840 | 2,110 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,451,000 | 1,752 |
| Total interest expense | $1,340,000 | 1,780 |
| Net interest income | $3,111,000 | 1,720 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $630,000 | 1,808 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $630,000 | 1,133 |
| Total noninterest expense | $2,533,000 | 1,664 |
| Salaries and employee benefits | $1,589,000 | 1,461 |
| Premises and equipment expense | $560,000 | 1,074 |
| Additional noninterest expense | $384,000 | 3,130 |
| Pre-tax net operating income | $1,208,000 | 1,867 |
| Securities gains (losses) | $142,000 | 305 |
| Applicable income taxes | $550,000 | 1,236 |
| Income before extraordinary items | $800,000 | 2,080 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $800,000 | 2,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $709,120 | 2,262 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,503,000 | 1,649 |
| Total interest expense | $5,516,000 | 1,492 |
| Net interest income | $11,987,000 | 1,691 |
| Provision for loan and lease losses | $-198,000 | 8,839 |
| Total noninterest income | $2,457,000 | 1,890 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,457,000 | 1,142 |
| Total noninterest expense | $10,076,000 | 1,608 |
| Salaries and employee benefits | $6,266,000 | 1,412 |
| Premises and equipment expense | $2,276,000 | 1,008 |
| Additional noninterest expense | $1,534,000 | 3,074 |
| Pre-tax net operating income | $4,566,000 | 1,836 |
| Securities gains (losses) | $532,000 | 439 |
| Applicable income taxes | $2,000,000 | 1,274 |
| Income before extraordinary items | $3,098,000 | 2,023 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,098,000 | 2,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,222 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,757,520 | 2,180 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,146,000 | 1,633 |
| Total interest expense | $4,211,000 | 1,431 |
| Net interest income | $8,935,000 | 1,687 |
| Provision for loan and lease losses | $-198,000 | 8,921 |
| Total noninterest income | $1,841,000 | 1,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,841,000 | 1,154 |
| Total noninterest expense | $7,574,000 | 1,604 |
| Salaries and employee benefits | $4,717,000 | 1,407 |
| Premises and equipment expense | $1,695,000 | 1,017 |
| Additional noninterest expense | $1,162,000 | 3,028 |
| Pre-tax net operating income | $3,400,000 | 1,849 |
| Securities gains (losses) | $403,000 | 482 |
| Applicable income taxes | $1,473,000 | 1,297 |
| Income before extraordinary items | $2,330,000 | 2,013 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,330,000 | 2,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,322 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,072,080 | 2,192 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,768,000 | 1,608 |
| Total interest expense | $2,842,000 | 1,401 |
| Net interest income | $5,926,000 | 1,691 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,209,000 | 1,909 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,209,000 | 1,165 |
| Total noninterest expense | $5,085,000 | 1,592 |
| Salaries and employee benefits | $3,129,000 | 1,401 |
| Premises and equipment expense | $1,135,000 | 1,007 |
| Additional noninterest expense | $821,000 | 2,872 |
| Pre-tax net operating income | $2,050,000 | 2,008 |
| Securities gains (losses) | $275,000 | 519 |
| Applicable income taxes | $947,000 | 1,339 |
| Income before extraordinary items | $1,378,000 | 2,234 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,378,000 | 2,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,672 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,202,000 | 2,454 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,347,000 | 1,626 |
| Total interest expense | $1,423,000 | 1,405 |
| Net interest income | $2,924,000 | 1,703 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $607,000 | 1,860 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $607,000 | 1,129 |
| Total noninterest expense | $2,554,000 | 1,593 |
| Salaries and employee benefits | $1,539,000 | 1,443 |
| Premises and equipment expense | $578,000 | 1,011 |
| Additional noninterest expense | $437,000 | 2,673 |
| Pre-tax net operating income | $977,000 | 2,046 |
| Securities gains (losses) | $157,000 | 603 |
| Applicable income taxes | $462,000 | 1,381 |
| Income before extraordinary items | $672,000 | 2,256 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $672,000 | 2,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,824 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $571,520 | 2,536 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $18,486,000 | 1,558 |
| Total interest expense | $6,260,000 | 1,418 |
| Net interest income | $12,226,000 | 1,593 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $2,982,000 | 1,701 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,982,000 | 1,098 |
| Total noninterest expense | $10,730,000 | 1,491 |
| Salaries and employee benefits | $6,518,000 | 1,320 |
| Premises and equipment expense | $2,401,000 | 939 |
| Additional noninterest expense | $1,811,000 | 2,622 |
| Pre-tax net operating income | $4,478,000 | 1,795 |
| Securities gains (losses) | $1,171,000 | 428 |
| Applicable income taxes | $2,193,000 | 1,202 |
| Income before extraordinary items | $3,456,000 | 1,798 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,456,000 | 1,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,097 |
| Cash dividends | $2,300,000 | 1,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,706,560 | 2,133 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,044,000 | 1,556 |
| Total interest expense | $4,789,000 | 1,452 |
| Net interest income | $9,255,000 | 1,581 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $2,382,000 | 1,648 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,382,000 | 1,095 |
| Total noninterest expense | $8,205,000 | 1,465 |
| Salaries and employee benefits | $5,002,000 | 1,307 |
| Premises and equipment expense | $1,777,000 | 971 |
| Additional noninterest expense | $1,426,000 | 2,505 |
| Pre-tax net operating income | $3,432,000 | 1,822 |
| Securities gains (losses) | $989,000 | 452 |
| Applicable income taxes | $1,693,000 | 1,213 |
| Income before extraordinary items | $2,728,000 | 1,766 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,728,000 | 1,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,672 |
| Cash dividends | $2,300,000 | 898 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,095,040 | 2,117 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,443,000 | 1,558 |
| Total interest expense | $3,255,000 | 1,486 |
| Net interest income | $6,188,000 | 1,580 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,649,000 | 1,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,649,000 | 1,052 |
| Total noninterest expense | $5,348,000 | 1,501 |
| Salaries and employee benefits | $3,211,000 | 1,360 |
| Premises and equipment expense | $1,164,000 | 985 |
| Additional noninterest expense | $973,000 | 2,424 |
| Pre-tax net operating income | $2,489,000 | 1,681 |
| Securities gains (losses) | $609,000 | 508 |
| Applicable income taxes | $1,253,000 | 1,134 |
| Income before extraordinary items | $1,845,000 | 1,751 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,845,000 | 1,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,723 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,455,240 | 2,046 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,765,000 | 1,554 |
| Total interest expense | $1,595,000 | 1,550 |
| Net interest income | $3,170,000 | 1,539 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $759,000 | 1,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $759,000 | 1,091 |
| Total noninterest expense | $2,682,000 | 1,483 |
| Salaries and employee benefits | $1,587,000 | 1,364 |
| Premises and equipment expense | $618,000 | 930 |
| Additional noninterest expense | $477,000 | 2,440 |
| Pre-tax net operating income | $1,247,000 | 1,683 |
| Securities gains (losses) | $270,000 | 545 |
| Applicable income taxes | $616,000 | 1,167 |
| Income before extraordinary items | $901,000 | 1,766 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $901,000 | 1,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,624 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $728,200 | 2,021 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,535,000 | 1,578 |
| Total interest expense | $6,937,000 | 1,644 |
| Net interest income | $12,598,000 | 1,538 |
| Provision for loan and lease losses | $327,000 | 3,264 |
| Total noninterest income | $2,312,000 | 1,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,312,000 | 1,184 |
| Total noninterest expense | $9,813,000 | 1,567 |
| Salaries and employee benefits | $5,603,000 | 1,453 |
| Premises and equipment expense | $2,306,000 | 948 |
| Additional noninterest expense | $1,904,000 | 2,421 |
| Pre-tax net operating income | $4,770,000 | 1,716 |
| Securities gains (losses) | $527,000 | 636 |
| Applicable income taxes | $2,093,000 | 1,239 |
| Income before extraordinary items | $3,204,000 | 1,869 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,204,000 | 1,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,419 |
| Cash dividends | $2,000,000 | 1,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,866,720 | 2,017 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,186,000 | 1,600 |
| Total interest expense | $10,148,000 | 1,603 |
| Net interest income | $11,038,000 | 1,614 |
| Provision for loan and lease losses | $238,000 | 3,783 |
| Total noninterest income | $1,996,000 | 2,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,996,000 | 1,251 |
| Total noninterest expense | $8,381,000 | 1,737 |
| Salaries and employee benefits | $4,652,000 | 1,612 |
| Premises and equipment expense | $2,190,000 | 956 |
| Additional noninterest expense | $1,539,000 | 2,807 |
| Pre-tax net operating income | $4,415,000 | 1,619 |
| Securities gains (losses) | $160,000 | 1,362 |
| Applicable income taxes | $1,875,000 | 1,244 |
| Income before extraordinary items | $2,700,000 | 1,949 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,700,000 | 1,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 9,130 |
| Cash dividends | $2,400,000 | 1,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,597,600 | 1,936 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $20,463,000 | 1,689 |
| Total interest expense | $10,565,000 | 1,620 |
| Net interest income | $9,898,000 | 1,774 |
| Provision for loan and lease losses | $524,000 | 1,807 |
| Total noninterest income | $2,003,000 | 1,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,003,000 | 1,132 |
| Total noninterest expense | $7,798,000 | 1,788 |
| Salaries and employee benefits | $4,205,000 | 1,703 |
| Premises and equipment expense | $2,101,000 | 950 |
| Additional noninterest expense | $1,492,000 | 2,841 |
| Pre-tax net operating income | $3,579,000 | 2,041 |
| Securities gains (losses) | $39,000 | 772 |
| Applicable income taxes | $1,392,000 | 1,607 |
| Income before extraordinary items | $2,226,000 | 2,310 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,226,000 | 2,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,184 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,201,040 | 2,337 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,574,000 | 1,746 |
| Total interest expense | $9,793,000 | 1,533 |
| Net interest income | $8,781,000 | 2,002 |
| Provision for loan and lease losses | $269,000 | 2,924 |
| Total noninterest income | $1,657,000 | 2,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,657,000 | 1,313 |
| Total noninterest expense | $7,296,000 | 1,888 |
| Salaries and employee benefits | $3,585,000 | 1,959 |
| Premises and equipment expense | $2,082,000 | 970 |
| Additional noninterest expense | $1,629,000 | 2,645 |
| Pre-tax net operating income | $2,873,000 | 2,503 |
| Securities gains (losses) | $119,000 | 675 |
| Applicable income taxes | $1,119,000 | 2,036 |
| Income before extraordinary items | $1,873,000 | 2,727 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,873,000 | 2,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,068 |
| Cash dividends | $900,000 | 2,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,796,840 | 2,778 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,742,000 | 1,832 |
| Total interest expense | $9,056,000 | 1,701 |
| Net interest income | $8,686,000 | 1,969 |
| Provision for loan and lease losses | $150,000 | 4,136 |
| Total noninterest income | $1,535,000 | 2,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,535,000 | 1,382 |
| Total noninterest expense | $6,420,000 | 2,046 |
| Salaries and employee benefits | $3,309,000 | 2,041 |
| Premises and equipment expense | $1,857,000 | 1,039 |
| Additional noninterest expense | $1,254,000 | 3,246 |
| Pre-tax net operating income | $3,651,000 | 1,986 |
| Securities gains (losses) | $377,000 | 653 |
| Applicable income taxes | $1,466,000 | 1,667 |
| Income before extraordinary items | $2,562,000 | 2,039 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,562,000 | 2,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,892 |
| Cash dividends | $1,745,000 | 1,487 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,320,720 | 2,171 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,689,000 | 1,965 |
| Total interest expense | $8,410,000 | 1,846 |
| Net interest income | $8,279,000 | 2,101 |
| Provision for loan and lease losses | $309,000 | 2,531 |
| Total noninterest income | $1,293,000 | 2,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,293,000 | 1,476 |
| Total noninterest expense | $5,821,000 | 2,215 |
| Salaries and employee benefits | $3,056,000 | 2,166 |
| Premises and equipment expense | $1,853,000 | 1,068 |
| Additional noninterest expense | $912,000 | 4,252 |
| Pre-tax net operating income | $3,442,000 | 2,186 |
| Securities gains (losses) | $152,000 | 819 |
| Applicable income taxes | $1,414,000 | 1,792 |
| Income before extraordinary items | $2,180,000 | 2,390 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,180,000 | 2,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 2,242 |
| Cash dividends | $675,000 | 2,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,082,720 | 2,438 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,521,000 | 2,174 |
| Total interest expense | $7,847,000 | 2,002 |
| Net interest income | $7,674,000 | 2,347 |
| Provision for loan and lease losses | $379,000 | 2,176 |
| Total noninterest income | $1,222,000 | 2,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,222,000 | 1,581 |
| Total noninterest expense | $6,813,000 | 2,044 |
| Salaries and employee benefits | $2,897,000 | 2,298 |
| Premises and equipment expense | $1,296,000 | 1,568 |
| Additional noninterest expense | $2,620,000 | 1,939 |
| Pre-tax net operating income | $1,704,000 | 3,913 |
| Securities gains (losses) | $330,000 | 527 |
| Applicable income taxes | $816,000 | 2,793 |
| Income before extraordinary items | $1,218,000 | 3,824 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,218,000 | 3,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,890 |
| Cash dividends | $511,000 | 3,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,006,800 | 4,422 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,334,000 | 2,353 |
| Total interest expense | $7,390,000 | 2,118 |
| Net interest income | $6,944,000 | 2,581 |
| Provision for loan and lease losses | $170,000 | 3,392 |
| Total noninterest income | $808,000 | 3,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $808,000 | 2,087 |
| Total noninterest expense | $5,016,000 | 2,707 |
| Salaries and employee benefits | $2,501,000 | 2,671 |
| Premises and equipment expense | $1,080,000 | 1,871 |
| Additional noninterest expense | $1,435,000 | 3,205 |
| Pre-tax net operating income | $2,566,000 | 2,775 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $1,062,000 | 2,252 |
| Income before extraordinary items | $1,501,000 | 3,251 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,501,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,576 |
| Cash dividends | $574,000 | 3,046 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,502,920 | 3,220 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,611,000 | 2,402 |
| Total interest expense | $5,689,000 | 2,189 |
| Net interest income | $6,922,000 | 2,606 |
| Provision for loan and lease losses | $105,000 | 4,433 |
| Total noninterest income | $986,000 | 3,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $986,000 | 1,853 |
| Total noninterest expense | $5,327,000 | 2,610 |
| Salaries and employee benefits | $2,626,000 | 2,538 |
| Premises and equipment expense | $1,106,000 | 1,852 |
| Additional noninterest expense | $1,595,000 | 3,136 |
| Pre-tax net operating income | $2,476,000 | 2,856 |
| Securities gains (losses) | $28,000 | 1,509 |
| Applicable income taxes | $1,007,000 | 2,227 |
| Income before extraordinary items | $1,497,000 | 3,182 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,497,000 | 3,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,521 |
| Cash dividends | $613,000 | 2,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,479,080 | 3,244 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,977,000 | 2,578 |
| Total interest expense | $5,910,000 | 2,195 |
| Net interest income | $6,067,000 | 2,999 |
| Provision for loan and lease losses | $-111,000 | 12,927 |
| Total noninterest income | $975,000 | 3,410 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $975,000 | 2,063 |
| Total noninterest expense | $4,628,000 | 3,045 |
| Salaries and employee benefits | $2,174,000 | 3,010 |
| Premises and equipment expense | $1,004,000 | 2,042 |
| Additional noninterest expense | $1,450,000 | 3,608 |
| Pre-tax net operating income | $2,525,000 | 2,686 |
| Securities gains (losses) | $120,000 | 2,257 |
| Applicable income taxes | $1,074,000 | 2,104 |
| Income before extraordinary items | $1,571,000 | 3,104 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,571,000 | 3,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $510,000 | 3,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,494,200 | 3,087 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,927,000 | 3,211 |
| Total interest expense | $5,459,000 | 3,048 |
| Net interest income | $5,468,000 | 3,347 |
| Provision for loan and lease losses | $143,000 | 6,243 |
| Total noninterest income | $407,000 | 6,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $407,000 | 3,665 |
| Total noninterest expense | $2,986,000 | 4,556 |
| Salaries and employee benefits | $1,376,000 | 4,571 |
| Premises and equipment expense | $668,000 | 3,050 |
| Additional noninterest expense | $942,000 | 5,315 |
| Pre-tax net operating income | $2,746,000 | 2,252 |
| Securities gains (losses) | $-15,000 | 13,410 |
| Applicable income taxes | $937,000 | 2,231 |
| Income before extraordinary items | $1,794,000 | 2,561 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,794,000 | 2,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 4,249 |
| Cash dividends | $654,000 | 2,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,803,900 | 2,358 |
* 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.