FSFSB, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $13,553,000 | 1,013 |
| Total interest expense | $4,941,000 | 797 |
| Net interest income | $8,612,000 | 1,146 |
| Provision for loan and lease losses | $1,019,000 | 514 |
| Total noninterest income | $1,242,000 | 1,870 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,242,000 | 1,141 |
| Total noninterest expense | $7,278,000 | 1,103 |
| Salaries and employee benefits | $5,159,000 | 828 |
| Premises and equipment expense | $706,000 | 1,635 |
| Additional noninterest expense | $1,413,000 | 1,692 |
| Pre-tax net operating income | $1,557,000 | 2,504 |
| Securities gains (losses) | $-328,000 | 9,023 |
| Applicable income taxes | $88,000 | 5,004 |
| Income before extraordinary items | $1,141,000 | 2,634 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,141,000 | 2,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,446,040 | 2,085 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,971,000 | 992 |
| Total interest expense | $2,520,000 | 804 |
| Net interest income | $4,451,000 | 1,105 |
| Provision for loan and lease losses | $33,000 | 3,984 |
| Total noninterest income | $517,000 | 2,108 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $517,000 | 1,268 |
| Total noninterest expense | $1,751,000 | 2,269 |
| Salaries and employee benefits | $1,166,000 | 1,878 |
| Premises and equipment expense | $387,000 | 1,518 |
| Additional noninterest expense | $198,000 | 5,107 |
| Pre-tax net operating income | $3,184,000 | 703 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,171,000 | 652 |
| Income before extraordinary items | $2,013,000 | 822 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,013,000 | 822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,013,000 | 774 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $28,359,000 | 992 |
| Total interest expense | $10,844,000 | 822 |
| Net interest income | $17,515,000 | 1,102 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $3,134,000 | 1,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,134,000 | 1,054 |
| Total noninterest expense | $7,212,000 | 2,185 |
| Salaries and employee benefits | $4,843,000 | 1,770 |
| Premises and equipment expense | $1,527,000 | 1,493 |
| Additional noninterest expense | $842,000 | 4,887 |
| Pre-tax net operating income | $13,317,000 | 664 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $4,735,000 | 646 |
| Income before extraordinary items | $8,582,000 | 764 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $8,582,000 | 766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,909 |
| Cash dividends | $7,200,000 | 476 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $8,582,000 | 709 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $21,465,000 | 1,007 |
| Total interest expense | $8,261,000 | 845 |
| Net interest income | $13,204,000 | 1,110 |
| Provision for loan and lease losses | $87,000 | 5,029 |
| Total noninterest income | $2,521,000 | 1,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,521,000 | 1,046 |
| Total noninterest expense | $5,318,000 | 2,217 |
| Salaries and employee benefits | $3,575,000 | 1,816 |
| Premises and equipment expense | $1,117,000 | 1,535 |
| Additional noninterest expense | $626,000 | 4,867 |
| Pre-tax net operating income | $10,320,000 | 668 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $3,714,000 | 654 |
| Income before extraordinary items | $6,606,000 | 773 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $6,606,000 | 774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,146 |
| Cash dividends | $7,200,000 | 376 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $6,606,000 | 721 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $14,346,000 | 1,012 |
| Total interest expense | $5,606,000 | 856 |
| Net interest income | $8,740,000 | 1,120 |
| Provision for loan and lease losses | $54,000 | 5,044 |
| Total noninterest income | $1,930,000 | 1,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,930,000 | 938 |
| Total noninterest expense | $3,632,000 | 2,164 |
| Salaries and employee benefits | $2,455,000 | 1,750 |
| Premises and equipment expense | $758,000 | 1,510 |
| Additional noninterest expense | $419,000 | 4,843 |
| Pre-tax net operating income | $6,984,000 | 654 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,514,000 | 648 |
| Income before extraordinary items | $4,470,000 | 764 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,470,000 | 765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,544 |
| Cash dividends | $7,200,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,470,000 | 701 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,210,000 | 1,015 |
| Total interest expense | $2,847,000 | 866 |
| Net interest income | $4,363,000 | 1,120 |
| Provision for loan and lease losses | $21,000 | 5,171 |
| Total noninterest income | $598,000 | 2,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $598,000 | 1,306 |
| Total noninterest expense | $1,867,000 | 2,096 |
| Salaries and employee benefits | $1,270,000 | 1,682 |
| Premises and equipment expense | $397,000 | 1,462 |
| Additional noninterest expense | $200,000 | 4,959 |
| Pre-tax net operating income | $3,073,000 | 740 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,145,000 | 702 |
| Income before extraordinary items | $1,928,000 | 871 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,928,000 | 870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,624 |
| Cash dividends | $6,000,000 | 162 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,928,000 | 797 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $29,839,000 | 1,031 |
| Total interest expense | $12,647,000 | 893 |
| Net interest income | $17,192,000 | 1,124 |
| Provision for loan and lease losses | $127,000 | 5,244 |
| Total noninterest income | $1,941,000 | 2,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,941,000 | 1,341 |
| Total noninterest expense | $7,125,000 | 2,106 |
| Salaries and employee benefits | $4,902,000 | 1,641 |
| Premises and equipment expense | $1,450,000 | 1,532 |
| Additional noninterest expense | $773,000 | 5,056 |
| Pre-tax net operating income | $11,881,000 | 740 |
| Securities gains (losses) | $32,000 | 2,782 |
| Applicable income taxes | $4,057,000 | 722 |
| Income before extraordinary items | $7,856,000 | 813 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,856,000 | 813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,649 |
| Cash dividends | $17,500,000 | 243 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $7,834,880 | 779 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $29,584,000 | 1,147 |
| Total interest expense | $14,716,000 | 1,090 |
| Net interest income | $14,868,000 | 1,188 |
| Provision for loan and lease losses | $144,000 | 4,879 |
| Total noninterest income | $1,865,000 | 2,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,865,000 | 1,312 |
| Total noninterest expense | $6,655,000 | 2,157 |
| Salaries and employee benefits | $4,529,000 | 1,664 |
| Premises and equipment expense | $1,326,000 | 1,627 |
| Additional noninterest expense | $800,000 | 4,781 |
| Pre-tax net operating income | $9,934,000 | 770 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,459,000 | 745 |
| Income before extraordinary items | $6,475,000 | 856 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,475,000 | 857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-103,000 | 9,507 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,475,000 | 813 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $28,320,000 | 1,249 |
| Total interest expense | $14,311,000 | 1,209 |
| Net interest income | $14,009,000 | 1,248 |
| Provision for loan and lease losses | $246,000 | 3,276 |
| Total noninterest income | $890,000 | 3,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $890,000 | 2,009 |
| Total noninterest expense | $6,236,000 | 2,204 |
| Salaries and employee benefits | $4,241,000 | 1,687 |
| Premises and equipment expense | $1,197,000 | 1,748 |
| Additional noninterest expense | $798,000 | 4,757 |
| Pre-tax net operating income | $8,417,000 | 923 |
| Securities gains (losses) | $-30,000 | 8,946 |
| Applicable income taxes | $2,898,000 | 854 |
| Income before extraordinary items | $5,489,000 | 979 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,489,000 | 979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $10,500,000 | 358 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,508,500 | 970 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $24,636,000 | 1,316 |
| Total interest expense | $11,036,000 | 1,358 |
| Net interest income | $13,600,000 | 1,283 |
| Provision for loan and lease losses | $246,000 | 3,082 |
| Total noninterest income | $855,000 | 3,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $855,000 | 2,067 |
| Total noninterest expense | $6,145,000 | 2,231 |
| Salaries and employee benefits | $4,074,000 | 1,696 |
| Premises and equipment expense | $1,220,000 | 1,675 |
| Additional noninterest expense | $851,000 | 4,588 |
| Pre-tax net operating income | $8,064,000 | 989 |
| Securities gains (losses) | $-7,000 | 9,189 |
| Applicable income taxes | $2,903,000 | 907 |
| Income before extraordinary items | $5,154,000 | 1,066 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,154,000 | 1,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,158,480 | 1,043 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,117,000 | 1,398 |
| Total interest expense | $10,294,000 | 1,483 |
| Net interest income | $12,823,000 | 1,323 |
| Provision for loan and lease losses | $245,000 | 3,032 |
| Total noninterest income | $851,000 | 3,463 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $851,000 | 2,073 |
| Total noninterest expense | $6,022,000 | 2,167 |
| Salaries and employee benefits | $3,844,000 | 1,717 |
| Premises and equipment expense | $1,395,000 | 1,399 |
| Additional noninterest expense | $783,000 | 4,754 |
| Pre-tax net operating income | $7,407,000 | 1,032 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,828,000 | 919 |
| Income before extraordinary items | $4,579,000 | 1,170 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,579,000 | 1,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,579,000 | 1,135 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,515,000 | 1,610 |
| Total interest expense | $10,129,000 | 1,528 |
| Net interest income | $10,386,000 | 1,682 |
| Provision for loan and lease losses | $739,000 | 1,277 |
| Total noninterest income | $782,000 | 3,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $782,000 | 2,061 |
| Total noninterest expense | $5,135,000 | 2,504 |
| Salaries and employee benefits | $2,896,000 | 2,280 |
| Premises and equipment expense | $1,140,000 | 1,726 |
| Additional noninterest expense | $1,099,000 | 3,599 |
| Pre-tax net operating income | $5,294,000 | 1,462 |
| Securities gains (losses) | $-44,000 | 10,611 |
| Applicable income taxes | $1,956,000 | 1,354 |
| Income before extraordinary items | $3,294,000 | 1,640 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,294,000 | 1,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $431,000 | 1,508 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $29,477,000 | 30 |
| Net operating income | $3,322,160 | 1,591 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,887,000 | 1,788 |
| Total interest expense | $9,492,000 | 1,666 |
| Net interest income | $9,395,000 | 1,901 |
| Provision for loan and lease losses | $706,000 | 1,317 |
| Total noninterest income | $864,000 | 3,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $864,000 | 2,003 |
| Total noninterest expense | $8,695,000 | 1,630 |
| Salaries and employee benefits | $2,537,000 | 2,647 |
| Premises and equipment expense | $1,100,000 | 1,824 |
| Additional noninterest expense | $5,058,000 | 1,125 |
| Pre-tax net operating income | $858,000 | 6,259 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $406,000 | 4,850 |
| Income before extraordinary items | $452,000 | 7,215 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $452,000 | 7,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,149 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $452,000 | 7,172 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,593,000 | 1,927 |
| Total interest expense | $8,785,000 | 1,800 |
| Net interest income | $8,808,000 | 2,042 |
| Provision for loan and lease losses | $138,000 | 3,809 |
| Total noninterest income | $960,000 | 3,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $960,000 | 1,849 |
| Total noninterest expense | $4,668,000 | 2,883 |
| Salaries and employee benefits | $2,458,000 | 2,715 |
| Premises and equipment expense | $1,092,000 | 1,852 |
| Additional noninterest expense | $1,118,000 | 3,977 |
| Pre-tax net operating income | $4,962,000 | 1,521 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,760,000 | 1,424 |
| Income before extraordinary items | $3,202,000 | 1,593 |
| Extraordinary gains, net | $-9,000 | 11,921 |
| Net income | $3,193,000 | 1,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $3,202,000 | 1,568 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,658,000 | 1,966 |
| Total interest expense | $6,624,000 | 1,883 |
| Net interest income | $9,034,000 | 2,008 |
| Provision for loan and lease losses | $182,000 | 3,187 |
| Total noninterest income | $644,000 | 4,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $644,000 | 2,475 |
| Total noninterest expense | $4,253,000 | 3,226 |
| Salaries and employee benefits | $2,187,000 | 3,026 |
| Premises and equipment expense | $1,083,000 | 1,887 |
| Additional noninterest expense | $983,000 | 4,779 |
| Pre-tax net operating income | $5,243,000 | 1,403 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $1,825,000 | 1,303 |
| Income before extraordinary items | $3,425,000 | 1,447 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,425,000 | 1,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,420,450 | 1,458 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,950,000 | 2,232 |
| Total interest expense | $6,068,000 | 2,144 |
| Net interest income | $7,882,000 | 2,281 |
| Provision for loan and lease losses | $264,000 | 3,274 |
| Total noninterest income | $659,000 | 4,634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $659,000 | 2,707 |
| Total noninterest expense | $3,457,000 | 3,953 |
| Salaries and employee benefits | $1,822,000 | 3,570 |
| Premises and equipment expense | $774,000 | 2,635 |
| Additional noninterest expense | $861,000 | 5,576 |
| Pre-tax net operating income | $4,820,000 | 1,453 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,644,000 | 1,451 |
| Income before extraordinary items | $3,176,000 | 1,606 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,176,000 | 1,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,176,000 | 1,513 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,727,000 | 2,388 |
| Total interest expense | $7,310,000 | 2,316 |
| Net interest income | $7,417,000 | 2,445 |
| Provision for loan and lease losses | $264,000 | 4,465 |
| Total noninterest income | $508,000 | 5,579 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $508,000 | 3,151 |
| Total noninterest expense | $3,162,000 | 4,311 |
| Salaries and employee benefits | $1,680,000 | 3,815 |
| Premises and equipment expense | $693,000 | 2,942 |
| Additional noninterest expense | $789,000 | 6,140 |
| Pre-tax net operating income | $4,499,000 | 1,418 |
| Securities gains (losses) | $28,000 | 5,098 |
| Applicable income taxes | $1,496,000 | 1,456 |
| Income before extraordinary items | $3,031,000 | 1,525 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,031,000 | 1,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 12,539 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,012,240 | 1,425 |
* 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.