Home > The First State Bank > Income and Expense
The First State Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,209,000 | 5,778 |
| Total interest expense | $431,000 | 6,104 |
| Net interest income | $778,000 | 5,389 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $136,000 | 4,832 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $101,000 | 3,432 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $35,000 | 5,679 |
| Total noninterest expense | $692,000 | 5,404 |
| Salaries and employee benefits | $368,000 | 5,488 |
| Premises and equipment expense | $119,000 | 4,656 |
| Additional noninterest expense | $205,000 | 5,302 |
| Pre-tax net operating income | $222,000 | 4,758 |
| Securities gains (losses) | $21,000 | 1,562 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $243,000 | 4,252 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $243,000 | 4,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $222,000 | 4,343 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,343,000 | 5,538 |
| Total interest expense | $1,904,000 | 5,927 |
| Net interest income | $3,439,000 | 5,092 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $780,000 | 4,058 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $442,000 | 3,323 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $338,000 | 4,031 |
| Total noninterest expense | $2,683,000 | 5,376 |
| Salaries and employee benefits | $1,414,000 | 5,482 |
| Premises and equipment expense | $539,000 | 4,143 |
| Additional noninterest expense | $730,000 | 5,627 |
| Pre-tax net operating income | $1,536,000 | 3,861 |
| Securities gains (losses) | $3,000 | 1,730 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $1,539,000 | 3,385 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,539,000 | 3,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,400 |
| Cash dividends | $1,019,000 | 2,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,536,000 | 3,372 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,014,000 | 5,555 |
| Total interest expense | $1,430,000 | 5,959 |
| Net interest income | $2,584,000 | 5,104 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $615,000 | 3,974 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $327,000 | 3,355 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $288,000 | 3,817 |
| Total noninterest expense | $2,045,000 | 5,293 |
| Salaries and employee benefits | $1,052,000 | 5,488 |
| Premises and equipment expense | $406,000 | 4,123 |
| Additional noninterest expense | $587,000 | 5,367 |
| Pre-tax net operating income | $1,154,000 | 4,037 |
| Securities gains (losses) | $2,000 | 1,394 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,156,000 | 3,556 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,156,000 | 3,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,926 |
| Cash dividends | $527,000 | 2,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,154,000 | 3,542 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,639,000 | 5,622 |
| Total interest expense | $925,000 | 6,036 |
| Net interest income | $1,714,000 | 5,144 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $438,000 | 3,827 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $204,000 | 3,476 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $234,000 | 3,481 |
| Total noninterest expense | $1,380,000 | 5,284 |
| Salaries and employee benefits | $701,000 | 5,546 |
| Premises and equipment expense | $275,000 | 4,104 |
| Additional noninterest expense | $404,000 | 5,272 |
| Pre-tax net operating income | $772,000 | 4,095 |
| Securities gains (losses) | $2,000 | 1,203 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $774,000 | 3,600 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $774,000 | 3,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $327,000 | 3,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $772,000 | 3,575 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,275,000 | 5,723 |
| Total interest expense | $453,000 | 6,083 |
| Net interest income | $822,000 | 5,300 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $276,000 | 3,301 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $99,000 | 3,475 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $177,000 | 2,735 |
| Total noninterest expense | $657,000 | 5,472 |
| Salaries and employee benefits | $352,000 | 5,571 |
| Premises and equipment expense | $141,000 | 4,032 |
| Additional noninterest expense | $164,000 | 5,864 |
| Pre-tax net operating income | $441,000 | 3,791 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $442,000 | 3,276 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $442,000 | 3,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $441,000 | 3,256 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,846,000 | 5,647 |
| Total interest expense | $1,635,000 | 5,914 |
| Net interest income | $3,211,000 | 5,324 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $558,000 | 4,895 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $437,000 | 3,357 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $121,000 | 5,995 |
| Total noninterest expense | $2,559,000 | 5,410 |
| Salaries and employee benefits | $1,291,000 | 5,671 |
| Premises and equipment expense | $426,000 | 4,727 |
| Additional noninterest expense | $842,000 | 5,070 |
| Pre-tax net operating income | $1,210,000 | 4,766 |
| Securities gains (losses) | $4,000 | 1,309 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,214,000 | 4,260 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,214,000 | 4,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,321 |
| Cash dividends | $788,000 | 3,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,210,000 | 4,242 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,572,000 | 5,693 |
| Total interest expense | $1,182,000 | 5,945 |
| Net interest income | $2,390,000 | 5,385 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $420,000 | 4,901 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $336,000 | 3,322 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $84,000 | 6,144 |
| Total noninterest expense | $1,846,000 | 5,511 |
| Salaries and employee benefits | $954,000 | 5,690 |
| Premises and equipment expense | $326,000 | 4,676 |
| Additional noninterest expense | $566,000 | 5,396 |
| Pre-tax net operating income | $964,000 | 4,791 |
| Securities gains (losses) | $3,000 | 1,123 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $967,000 | 4,251 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $967,000 | 4,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,656 |
| Cash dividends | $597,000 | 2,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $964,000 | 4,246 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,322,000 | 5,728 |
| Total interest expense | $742,000 | 6,004 |
| Net interest income | $1,580,000 | 5,439 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $269,000 | 4,992 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $222,000 | 3,316 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $47,000 | 6,470 |
| Total noninterest expense | $1,216,000 | 5,567 |
| Salaries and employee benefits | $631,000 | 5,746 |
| Premises and equipment expense | $219,000 | 4,657 |
| Additional noninterest expense | $366,000 | 5,487 |
| Pre-tax net operating income | $633,000 | 4,864 |
| Securities gains (losses) | $2,000 | 970 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $635,000 | 4,304 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $635,000 | 4,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $401,000 | 2,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $633,000 | 4,306 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,113,000 | 5,810 |
| Total interest expense | $335,000 | 6,138 |
| Net interest income | $778,000 | 5,472 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $137,000 | 4,883 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $115,000 | 3,157 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,566 |
| Total noninterest expense | $619,000 | 5,516 |
| Salaries and employee benefits | $325,000 | 5,686 |
| Premises and equipment expense | $107,000 | 4,746 |
| Additional noninterest expense | $187,000 | 5,392 |
| Pre-tax net operating income | $296,000 | 5,005 |
| Securities gains (losses) | $1,000 | 856 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $297,000 | 4,447 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $297,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $296,000 | 4,442 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,045,000 | 5,795 |
| Total interest expense | $1,109,000 | 6,025 |
| Net interest income | $2,936,000 | 5,577 |
| Provision for loan and lease losses | $30,000 | 6,187 |
| Total noninterest income | $473,000 | 5,368 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $385,000 | 3,646 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $88,000 | 6,605 |
| Total noninterest expense | $2,100,000 | 5,948 |
| Salaries and employee benefits | $1,073,000 | 6,154 |
| Premises and equipment expense | $381,000 | 5,009 |
| Additional noninterest expense | $646,000 | 5,818 |
| Pre-tax net operating income | $1,279,000 | 4,768 |
| Securities gains (losses) | $29,000 | 1,127 |
| Applicable income taxes | $-33,000 | 8,530 |
| Income before extraordinary items | $1,341,000 | 4,068 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,341,000 | 4,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,766 |
| Cash dividends | $780,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,312,000 | 4,097 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,929,000 | 5,868 |
| Total interest expense | $796,000 | 6,027 |
| Net interest income | $2,133,000 | 5,687 |
| Provision for loan and lease losses | $30,000 | 5,800 |
| Total noninterest income | $350,000 | 5,428 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $287,000 | 3,673 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $63,000 | 6,687 |
| Total noninterest expense | $1,537,000 | 5,995 |
| Salaries and employee benefits | $787,000 | 6,181 |
| Premises and equipment expense | $265,000 | 5,234 |
| Additional noninterest expense | $485,000 | 5,804 |
| Pre-tax net operating income | $916,000 | 4,996 |
| Securities gains (losses) | $29,000 | 1,083 |
| Applicable income taxes | $-33,000 | 8,659 |
| Income before extraordinary items | $978,000 | 4,225 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $978,000 | 4,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $574,000 | 2,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $949,000 | 4,261 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,891,000 | 5,904 |
| Total interest expense | $500,000 | 6,044 |
| Net interest income | $1,391,000 | 5,743 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $224,000 | 5,488 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $184,000 | 3,697 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $40,000 | 6,773 |
| Total noninterest expense | $995,000 | 6,081 |
| Salaries and employee benefits | $509,000 | 6,284 |
| Premises and equipment expense | $160,000 | 5,527 |
| Additional noninterest expense | $326,000 | 5,756 |
| Pre-tax net operating income | $590,000 | 5,047 |
| Securities gains (losses) | $15,000 | 1,210 |
| Applicable income taxes | $-33,000 | 8,690 |
| Income before extraordinary items | $638,000 | 4,260 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $638,000 | 4,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $167,000 | 3,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $623,000 | 4,261 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $914,000 | 6,000 |
| Total interest expense | $234,000 | 6,144 |
| Net interest income | $680,000 | 5,819 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $108,000 | 5,518 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $86,000 | 3,771 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,697 |
| Total noninterest expense | $492,000 | 6,164 |
| Salaries and employee benefits | $252,000 | 6,363 |
| Premises and equipment expense | $75,000 | 5,744 |
| Additional noninterest expense | $165,000 | 5,705 |
| Pre-tax net operating income | $266,000 | 5,298 |
| Securities gains (losses) | $7,000 | 1,110 |
| Applicable income taxes | $-33,000 | 8,775 |
| Income before extraordinary items | $306,000 | 4,312 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $306,000 | 4,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $299,000 | 4,345 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,328,000 | 6,118 |
| Total interest expense | $813,000 | 6,214 |
| Net interest income | $2,515,000 | 5,988 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $435,000 | 5,618 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $364,000 | 3,849 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $71,000 | 6,969 |
| Total noninterest expense | $1,869,000 | 6,247 |
| Salaries and employee benefits | $995,000 | 6,287 |
| Premises and equipment expense | $268,000 | 6,007 |
| Additional noninterest expense | $606,000 | 5,941 |
| Pre-tax net operating income | $961,000 | 5,341 |
| Securities gains (losses) | $82,000 | 1,383 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,043,000 | 4,576 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,043,000 | 4,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,559 |
| Cash dividends | $621,000 | 3,158 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $961,000 | 4,734 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,469,000 | 6,146 |
| Total interest expense | $597,000 | 6,263 |
| Net interest income | $1,872,000 | 6,022 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $326,000 | 5,639 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $272,000 | 3,895 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $54,000 | 6,952 |
| Total noninterest expense | $1,383,000 | 6,242 |
| Salaries and employee benefits | $749,000 | 6,243 |
| Premises and equipment expense | $195,000 | 6,068 |
| Additional noninterest expense | $439,000 | 6,012 |
| Pre-tax net operating income | $725,000 | 5,434 |
| Securities gains (losses) | $59,000 | 1,530 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $784,000 | 4,677 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $784,000 | 4,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,006 |
| Cash dividends | $478,000 | 2,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $725,000 | 4,783 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,619,000 | 6,212 |
| Total interest expense | $395,000 | 6,321 |
| Net interest income | $1,224,000 | 6,101 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $210,000 | 5,711 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $183,000 | 3,867 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $27,000 | 7,377 |
| Total noninterest expense | $932,000 | 6,243 |
| Salaries and employee benefits | $501,000 | 6,297 |
| Premises and equipment expense | $129,000 | 6,121 |
| Additional noninterest expense | $302,000 | 5,961 |
| Pre-tax net operating income | $442,000 | 5,616 |
| Securities gains (losses) | $38,000 | 1,632 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $480,000 | 4,838 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $480,000 | 4,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,943 |
| Cash dividends | $288,000 | 2,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $442,000 | 4,958 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $788,000 | 6,319 |
| Total interest expense | $200,000 | 6,351 |
| Net interest income | $588,000 | 6,219 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $105,000 | 5,670 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $88,000 | 3,887 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $17,000 | 7,062 |
| Total noninterest expense | $483,000 | 6,156 |
| Salaries and employee benefits | $249,000 | 6,354 |
| Premises and equipment expense | $49,000 | 6,832 |
| Additional noninterest expense | $185,000 | 5,342 |
| Pre-tax net operating income | $180,000 | 6,064 |
| Securities gains (losses) | $28,000 | 1,532 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $208,000 | 5,236 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $208,000 | 5,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,966 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $180,000 | 5,472 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,417,000 | 6,107 |
| Total interest expense | $1,133,000 | 5,758 |
| Net interest income | $2,284,000 | 6,210 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $462,000 | 5,629 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $379,000 | 3,767 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $83,000 | 6,824 |
| Total noninterest expense | $1,783,000 | 6,378 |
| Salaries and employee benefits | $950,000 | 6,440 |
| Premises and equipment expense | $258,000 | 6,084 |
| Additional noninterest expense | $575,000 | 6,127 |
| Pre-tax net operating income | $843,000 | 5,560 |
| Securities gains (losses) | $181,000 | 1,407 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,024,000 | 4,582 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,024,000 | 4,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,709 |
| Cash dividends | $507,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $843,000 | 4,947 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,573,000 | 6,168 |
| Total interest expense | $887,000 | 5,762 |
| Net interest income | $1,686,000 | 6,284 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $342,000 | 5,723 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $272,000 | 3,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $70,000 | 6,710 |
| Total noninterest expense | $1,343,000 | 6,336 |
| Salaries and employee benefits | $715,000 | 6,409 |
| Premises and equipment expense | $196,000 | 6,054 |
| Additional noninterest expense | $432,000 | 6,114 |
| Pre-tax net operating income | $595,000 | 5,901 |
| Securities gains (losses) | $109,000 | 1,672 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $704,000 | 4,983 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $704,000 | 4,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,154 |
| Cash dividends | $362,000 | 3,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $595,000 | 5,235 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,758,000 | 6,135 |
| Total interest expense | $613,000 | 5,776 |
| Net interest income | $1,145,000 | 6,215 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $212,000 | 5,872 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $185,000 | 3,796 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $27,000 | 7,458 |
| Total noninterest expense | $897,000 | 6,344 |
| Salaries and employee benefits | $483,000 | 6,384 |
| Premises and equipment expense | $128,000 | 6,096 |
| Additional noninterest expense | $286,000 | 6,123 |
| Pre-tax net operating income | $400,000 | 5,864 |
| Securities gains (losses) | $83,000 | 1,647 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $483,000 | 4,892 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $483,000 | 4,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-81,000 | 9,094 |
| Cash dividends | $242,000 | 3,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $400,000 | 5,197 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $906,000 | 6,075 |
| Total interest expense | $319,000 | 5,748 |
| Net interest income | $587,000 | 6,125 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $95,000 | 6,020 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $82,000 | 4,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 7,569 |
| Total noninterest expense | $459,000 | 6,282 |
| Salaries and employee benefits | $242,000 | 6,376 |
| Premises and equipment expense | $63,000 | 6,146 |
| Additional noninterest expense | $154,000 | 5,833 |
| Pre-tax net operating income | $193,000 | 5,923 |
| Securities gains (losses) | $46,000 | 1,434 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $239,000 | 4,830 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $239,000 | 4,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $193,000 | 5,228 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,117,000 | 5,811 |
| Total interest expense | $1,582,000 | 5,558 |
| Net interest income | $2,535,000 | 5,855 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $407,000 | 5,741 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $359,000 | 3,799 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $48,000 | 7,649 |
| Total noninterest expense | $1,661,000 | 6,541 |
| Salaries and employee benefits | $847,000 | 6,709 |
| Premises and equipment expense | $233,000 | 6,353 |
| Additional noninterest expense | $581,000 | 6,056 |
| Pre-tax net operating income | $1,161,000 | 4,803 |
| Securities gains (losses) | $-269,000 | 9,218 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $892,000 | 4,906 |
| Extraordinary gains, net | $-244,000 | 9,327 |
| Net income | $648,000 | 5,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,236 |
| Cash dividends | $442,000 | 3,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,161,000 | 4,077 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,984,000 | 5,625 |
| Total interest expense | $2,497,000 | 5,406 |
| Net interest income | $2,487,000 | 5,732 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $348,000 | 6,034 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $345,000 | 3,802 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,000 | 9,387 |
| Total noninterest expense | $1,480,000 | 6,834 |
| Salaries and employee benefits | $787,000 | 6,842 |
| Premises and equipment expense | $214,000 | 6,589 |
| Additional noninterest expense | $479,000 | 6,589 |
| Pre-tax net operating income | $1,115,000 | 4,616 |
| Securities gains (losses) | $235,000 | 1,062 |
| Applicable income taxes | $1,000 | 7,858 |
| Income before extraordinary items | $1,349,000 | 3,499 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,349,000 | 3,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 2,450 |
| Cash dividends | $655,000 | 2,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,114,000 | 3,877 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,872,000 | 5,831 |
| Total interest expense | $2,530,000 | 5,519 |
| Net interest income | $2,342,000 | 6,043 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $245,000 | 6,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 4,684 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,421 |
| Total noninterest expense | $1,283,000 | 7,292 |
| Salaries and employee benefits | $629,000 | 7,547 |
| Premises and equipment expense | $161,000 | 7,398 |
| Additional noninterest expense | $493,000 | 6,475 |
| Pre-tax net operating income | $1,304,000 | 4,494 |
| Securities gains (losses) | $8,000 | 1,222 |
| Applicable income taxes | $432,000 | 3,829 |
| Income before extraordinary items | $880,000 | 4,747 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $880,000 | 4,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,623 |
| Cash dividends | $494,000 | 3,602 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $874,640 | 4,772 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,933,000 | 6,428 |
| Total interest expense | $1,962,000 | 6,068 |
| Net interest income | $1,971,000 | 6,699 |
| Provision for loan and lease losses | $50,000 | 6,505 |
| Total noninterest income | $191,000 | 7,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 5,507 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,296 |
| Total noninterest expense | $1,081,000 | 7,895 |
| Salaries and employee benefits | $537,000 | 8,119 |
| Premises and equipment expense | $138,000 | 7,876 |
| Additional noninterest expense | $406,000 | 7,213 |
| Pre-tax net operating income | $1,031,000 | 5,211 |
| Securities gains (losses) | $39,000 | 1,079 |
| Applicable income taxes | $283,000 | 4,940 |
| Income before extraordinary items | $787,000 | 5,137 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $787,000 | 5,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $361,000 | 4,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $758,140 | 5,209 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,376,000 | 7,093 |
| Total interest expense | $1,632,000 | 6,912 |
| Net interest income | $1,744,000 | 7,177 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $184,000 | 7,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 5,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,291 |
| Total noninterest expense | $1,040,000 | 7,987 |
| Salaries and employee benefits | $534,000 | 8,145 |
| Premises and equipment expense | $154,000 | 7,558 |
| Additional noninterest expense | $352,000 | 7,647 |
| Pre-tax net operating income | $888,000 | 5,778 |
| Securities gains (losses) | $89,000 | 1,361 |
| Applicable income taxes | $284,000 | 5,318 |
| Income before extraordinary items | $693,000 | 5,649 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $693,000 | 5,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $304,000 | 4,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $629,810 | 5,811 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,302,000 | 7,395 |
| Total interest expense | $1,491,000 | 7,367 |
| Net interest income | $1,811,000 | 7,298 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $167,000 | 8,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 6,194 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,900 |
| Total noninterest expense | $979,000 | 8,421 |
| Salaries and employee benefits | $499,000 | 8,612 |
| Premises and equipment expense | $149,000 | 7,823 |
| Additional noninterest expense | $331,000 | 8,002 |
| Pre-tax net operating income | $899,000 | 6,156 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $297,000 | 5,752 |
| Income before extraordinary items | $604,000 | 6,345 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $604,000 | 6,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 10,160 |
| Cash dividends | $304,000 | 4,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $602,660 | 6,303 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,186,000 | 7,755 |
| Total interest expense | $1,447,000 | 7,699 |
| Net interest income | $1,739,000 | 7,686 |
| Provision for loan and lease losses | $98,000 | 5,180 |
| Total noninterest income | $180,000 | 8,532 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,347 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,237 |
| Total noninterest expense | $986,000 | 8,717 |
| Salaries and employee benefits | $558,000 | 8,417 |
| Premises and equipment expense | $140,000 | 8,281 |
| Additional noninterest expense | $288,000 | 9,005 |
| Pre-tax net operating income | $835,000 | 6,347 |
| Securities gains (losses) | $-19,000 | 10,606 |
| Applicable income taxes | $227,000 | 6,744 |
| Income before extraordinary items | $589,000 | 6,335 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $589,000 | 6,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 10,986 |
| Cash dividends | $283,000 | 4,690 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $602,680 | 6,199 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,936,000 | 8,305 |
| Total interest expense | $1,193,000 | 8,602 |
| Net interest income | $1,743,000 | 7,908 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $153,000 | 9,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,029 |
| Total noninterest expense | $916,000 | 9,300 |
| Salaries and employee benefits | $484,000 | 9,252 |
| Premises and equipment expense | $146,000 | 8,373 |
| Additional noninterest expense | $286,000 | 9,391 |
| Pre-tax net operating income | $910,000 | 6,371 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $339,000 | 5,568 |
| Income before extraordinary items | $576,000 | 6,747 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $576,000 | 6,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,436 |
| Cash dividends | $296,000 | 4,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $572,800 | 6,747 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,091,000 | 9,628 |
| Total interest expense | $730,000 | 9,929 |
| Net interest income | $1,361,000 | 9,283 |
| Provision for loan and lease losses | $55,000 | 5,922 |
| Total noninterest income | $101,000 | 10,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,618 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 11,499 |
| Total noninterest expense | $833,000 | 10,078 |
| Salaries and employee benefits | $399,000 | 10,294 |
| Premises and equipment expense | $106,000 | 9,833 |
| Additional noninterest expense | $328,000 | 9,619 |
| Pre-tax net operating income | $574,000 | 8,161 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $188,000 | 7,551 |
| Income before extraordinary items | $386,000 | 8,303 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $386,000 | 8,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 11,679 |
| Cash dividends | $163,000 | 5,898 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 544 |
| Net operating income | $386,000 | 8,357 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,607,000 | 10,984 |
| Total interest expense | $657,000 | 10,839 |
| Net interest income | $950,000 | 10,957 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $50,000 | 12,542 |
| 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 | $7,000 | 12,927 |
| Total noninterest expense | $579,000 | 11,754 |
| Salaries and employee benefits | $242,000 | 12,267 |
| Premises and equipment expense | $50,000 | 12,210 |
| Additional noninterest expense | $287,000 | 10,601 |
| Pre-tax net operating income | $361,000 | 9,718 |
| Securities gains (losses) | $19,000 | 4,737 |
| Applicable income taxes | $130,000 | 9,087 |
| Income before extraordinary items | $250,000 | 10,045 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $250,000 | 10,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 6,165 |
| Cash dividends | $158,000 | 5,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $237,460 | 9,939 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,701,000 | 11,518 |
| Total interest expense | $907,000 | 10,836 |
| Net interest income | $794,000 | 11,927 |
| Provision for loan and lease losses | $53,000 | 8,929 |
| Total noninterest income | $39,000 | 13,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 10,873 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 13,723 |
| Total noninterest expense | $449,000 | 12,902 |
| Salaries and employee benefits | $201,000 | 13,150 |
| Premises and equipment expense | $46,000 | 12,842 |
| Additional noninterest expense | $202,000 | 12,211 |
| Pre-tax net operating income | $331,000 | 9,862 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $113,000 | 9,575 |
| Income before extraordinary items | $218,000 | 10,351 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $218,000 | 10,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 12,606 |
| Cash dividends | $168,000 | 5,513 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $218,000 | 10,003 |
* 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.