Home > American Savings, Inc. > Income and Expense
American Savings, Inc., Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $293,000 | 8,461 |
| Total interest expense | $120,000 | 8,378 |
| Net interest income | $173,000 | 8,475 |
| Provision for loan and lease losses | $-35,000 | 8,288 |
| Total noninterest income | $27,000 | 8,190 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $0 | 7,508 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $27,000 | 7,619 |
| Total noninterest expense | $235,000 | 8,492 |
| Salaries and employee benefits | $98,000 | 8,491 |
| Premises and equipment expense | $51,000 | 8,239 |
| Additional noninterest expense | $86,000 | 8,452 |
| Pre-tax net operating income | $0 | 7,429 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $0 | 7,497 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $0 | 7,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,114 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $0 | 7,468 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $213,000 | 8,498 |
| Total interest expense | $83,000 | 8,416 |
| Net interest income | $130,000 | 8,510 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $5,000 | 8,377 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,525 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $5,000 | 8,195 |
| Total noninterest expense | $170,000 | 8,516 |
| Salaries and employee benefits | $88,000 | 8,510 |
| Premises and equipment expense | $35,000 | 8,269 |
| Additional noninterest expense | $47,000 | 8,515 |
| Pre-tax net operating income | $-35,000 | 7,713 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-35,000 | 7,748 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-35,000 | 7,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,320 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-35,000 | 7,730 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $135,000 | 8,563 |
| Total interest expense | $50,000 | 8,487 |
| Net interest income | $85,000 | 8,578 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $3,000 | 8,449 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,000 | 8,264 |
| Total noninterest expense | $111,000 | 8,571 |
| Salaries and employee benefits | $59,000 | 8,561 |
| Premises and equipment expense | $23,000 | 8,323 |
| Additional noninterest expense | $29,000 | 8,574 |
| Pre-tax net operating income | $-23,000 | 7,834 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-23,000 | 7,853 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-23,000 | 7,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-23,000 | 7,842 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $62,000 | 8,615 |
| Total interest expense | $22,000 | 8,542 |
| Net interest income | $40,000 | 8,622 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $2,000 | 8,473 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,000 | 8,219 |
| Total noninterest expense | $65,000 | 8,596 |
| Salaries and employee benefits | $36,000 | 8,585 |
| Premises and equipment expense | $14,000 | 8,242 |
| Additional noninterest expense | $15,000 | 8,601 |
| Pre-tax net operating income | $-23,000 | 7,960 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-23,000 | 7,971 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-23,000 | 7,970 |
| 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 | $-23,000 | 7,957 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $312,000 | 8,601 |
| Total interest expense | $118,000 | 8,517 |
| Net interest income | $194,000 | 8,610 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $5,000 | 8,537 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,000 | 8,389 |
| Total noninterest expense | $221,000 | 8,638 |
| Salaries and employee benefits | $98,000 | 8,635 |
| Premises and equipment expense | $59,000 | 8,258 |
| Additional noninterest expense | $64,000 | 8,629 |
| Pre-tax net operating income | $-22,000 | 7,986 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-22,000 | 8,005 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-22,000 | 8,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,587 |
| Cash dividends | $1,295,000 | 2,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-22,000 | 7,992 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $249,000 | 8,662 |
| Total interest expense | $98,000 | 8,556 |
| Net interest income | $151,000 | 8,668 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $4,000 | 8,611 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,000 | 8,464 |
| Total noninterest expense | $177,000 | 8,692 |
| Salaries and employee benefits | $76,000 | 8,694 |
| Premises and equipment expense | $47,000 | 8,271 |
| Additional noninterest expense | $54,000 | 8,672 |
| Pre-tax net operating income | $-22,000 | 8,151 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-22,000 | 8,167 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-22,000 | 8,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $1,295,000 | 1,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-22,000 | 8,156 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $191,000 | 8,695 |
| Total interest expense | $82,000 | 8,553 |
| Net interest income | $109,000 | 8,712 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $2,000 | 8,664 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,535 |
| Total noninterest expense | $129,000 | 8,719 |
| Salaries and employee benefits | $53,000 | 8,737 |
| Premises and equipment expense | $33,000 | 8,242 |
| Additional noninterest expense | $43,000 | 8,671 |
| Pre-tax net operating income | $-18,000 | 8,220 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-18,000 | 8,232 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-18,000 | 8,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $1,295,000 | 1,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-18,000 | 8,220 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $136,000 | 8,664 |
| Total interest expense | $67,000 | 8,416 |
| Net interest income | $69,000 | 8,712 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $0 | 8,704 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,611 |
| Total noninterest expense | $73,000 | 8,722 |
| Salaries and employee benefits | $26,000 | 8,748 |
| Premises and equipment expense | $18,000 | 8,165 |
| Additional noninterest expense | $29,000 | 8,598 |
| Pre-tax net operating income | $-4,000 | 8,233 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-4,000 | 8,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,000 | 8,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $1,295,000 | 613 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-4,000 | 8,219 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,393,000 | 7,998 |
| Total interest expense | $798,000 | 6,791 |
| Net interest income | $595,000 | 8,452 |
| Provision for loan and lease losses | $36,000 | 6,047 |
| Total noninterest income | $0 | 8,769 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,688 |
| Total noninterest expense | $357,000 | 8,708 |
| Salaries and employee benefits | $153,000 | 8,744 |
| Premises and equipment expense | $40,000 | 8,584 |
| Additional noninterest expense | $164,000 | 8,424 |
| Pre-tax net operating income | $202,000 | 7,694 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $202,000 | 7,572 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $202,000 | 7,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,831 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $202,000 | 7,541 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,060,000 | 8,003 |
| Total interest expense | $617,000 | 6,651 |
| Net interest income | $443,000 | 8,500 |
| Provision for loan and lease losses | $27,000 | 5,913 |
| Total noninterest income | $0 | 8,802 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,723 |
| Total noninterest expense | $300,000 | 8,675 |
| Salaries and employee benefits | $136,000 | 8,721 |
| Premises and equipment expense | $30,000 | 8,583 |
| Additional noninterest expense | $134,000 | 8,336 |
| Pre-tax net operating income | $116,000 | 7,952 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $116,000 | 7,871 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $116,000 | 7,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,099 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $116,000 | 7,845 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $721,000 | 7,980 |
| Total interest expense | $420,000 | 6,481 |
| Net interest income | $301,000 | 8,507 |
| Provision for loan and lease losses | $18,000 | 5,733 |
| Total noninterest income | $0 | 8,806 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $210,000 | 8,662 |
| Salaries and employee benefits | $97,000 | 8,720 |
| Premises and equipment expense | $20,000 | 8,575 |
| Additional noninterest expense | $93,000 | 8,287 |
| Pre-tax net operating income | $73,000 | 8,015 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $73,000 | 7,940 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $73,000 | 7,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,046 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $73,000 | 7,903 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $355,000 | 8,049 |
| Total interest expense | $208,000 | 6,437 |
| Net interest income | $147,000 | 8,600 |
| Provision for loan and lease losses | $9,000 | 5,480 |
| Total noninterest income | $0 | 8,858 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $116,000 | 8,666 |
| Salaries and employee benefits | $54,000 | 8,745 |
| Premises and equipment expense | $10,000 | 8,622 |
| Additional noninterest expense | $52,000 | 8,214 |
| Pre-tax net operating income | $22,000 | 8,236 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $22,000 | 8,218 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $22,000 | 8,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $22,000 | 8,194 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,662,000 | 7,726 |
| Total interest expense | $999,000 | 5,654 |
| Net interest income | $663,000 | 8,482 |
| Provision for loan and lease losses | $88,000 | 5,225 |
| Total noninterest income | $3,000 | 8,883 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,000 | 8,748 |
| Total noninterest expense | $403,000 | 8,787 |
| Salaries and employee benefits | $181,000 | 8,838 |
| Premises and equipment expense | $36,000 | 8,755 |
| Additional noninterest expense | $186,000 | 8,392 |
| Pre-tax net operating income | $175,000 | 7,859 |
| Securities gains (losses) | $6,000 | 3,079 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $181,000 | 7,741 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $181,000 | 7,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,895 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $175,000 | 7,727 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,305,000 | 7,685 |
| Total interest expense | $775,000 | 5,533 |
| Net interest income | $530,000 | 8,464 |
| Provision for loan and lease losses | $14,000 | 6,593 |
| Total noninterest income | $3,000 | 8,948 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,783 |
| Total noninterest expense | $304,000 | 8,819 |
| Salaries and employee benefits | $126,000 | 8,898 |
| Premises and equipment expense | $33,000 | 8,685 |
| Additional noninterest expense | $145,000 | 8,351 |
| Pre-tax net operating income | $215,000 | 7,623 |
| Securities gains (losses) | $6,000 | 2,970 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $221,000 | 7,360 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $221,000 | 7,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,550 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $215,000 | 7,332 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $911,000 | 7,635 |
| Total interest expense | $537,000 | 5,443 |
| Net interest income | $374,000 | 8,461 |
| Provision for loan and lease losses | $9,000 | 6,446 |
| Total noninterest income | $3,000 | 8,988 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $201,000 | 8,875 |
| Salaries and employee benefits | $82,000 | 8,965 |
| Premises and equipment expense | $24,000 | 8,676 |
| Additional noninterest expense | $95,000 | 8,407 |
| Pre-tax net operating income | $167,000 | 7,436 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $167,000 | 7,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $167,000 | 7,194 |
| 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 | $167,000 | 7,114 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $487,000 | 7,544 |
| Total interest expense | $282,000 | 5,358 |
| Net interest income | $205,000 | 8,411 |
| Provision for loan and lease losses | $5,000 | 6,071 |
| Total noninterest income | $0 | 9,051 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $116,000 | 8,836 |
| Salaries and employee benefits | $54,000 | 8,917 |
| Premises and equipment expense | $12,000 | 8,685 |
| Additional noninterest expense | $50,000 | 8,398 |
| Pre-tax net operating income | $84,000 | 7,410 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $84,000 | 7,156 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $84,000 | 7,158 |
| 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 | $84,000 | 7,075 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,066,000 | 7,475 |
| Total interest expense | $1,276,000 | 5,369 |
| Net interest income | $790,000 | 8,430 |
| Provision for loan and lease losses | $18,000 | 7,137 |
| Total noninterest income | $16,000 | 9,028 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $16,000 | 8,557 |
| Total noninterest expense | $529,000 | 8,801 |
| Salaries and employee benefits | $313,000 | 8,727 |
| Premises and equipment expense | $52,000 | 8,737 |
| Additional noninterest expense | $164,000 | 8,672 |
| Pre-tax net operating income | $259,000 | 7,602 |
| Securities gains (losses) | $8,000 | 3,717 |
| Applicable income taxes | $1,000 | 7,379 |
| Income before extraordinary items | $266,000 | 7,443 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $266,000 | 7,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,174 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $258,000 | 7,338 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,540,000 | 7,568 |
| Total interest expense | $979,000 | 5,450 |
| Net interest income | $561,000 | 8,556 |
| Provision for loan and lease losses | $14,000 | 7,000 |
| Total noninterest income | $15,000 | 9,080 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $15,000 | 8,465 |
| Total noninterest expense | $385,000 | 8,846 |
| Salaries and employee benefits | $231,000 | 8,751 |
| Premises and equipment expense | $38,000 | 8,797 |
| Additional noninterest expense | $116,000 | 8,758 |
| Pre-tax net operating income | $177,000 | 7,837 |
| Securities gains (losses) | $8,000 | 3,425 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $185,000 | 7,678 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $185,000 | 7,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,399 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $177,000 | 7,590 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,032,000 | 7,613 |
| Total interest expense | $660,000 | 5,527 |
| Net interest income | $372,000 | 8,602 |
| Provision for loan and lease losses | $9,000 | 6,877 |
| Total noninterest income | $13,000 | 9,080 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $13,000 | 8,275 |
| Total noninterest expense | $263,000 | 8,848 |
| Salaries and employee benefits | $155,000 | 8,774 |
| Premises and equipment expense | $30,000 | 8,671 |
| Additional noninterest expense | $78,000 | 8,758 |
| Pre-tax net operating income | $113,000 | 7,898 |
| Securities gains (losses) | $8,000 | 3,037 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $120,000 | 7,752 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $120,000 | 7,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,344 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $112,080 | 7,657 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $525,000 | 7,623 |
| Total interest expense | $333,000 | 5,603 |
| Net interest income | $192,000 | 8,616 |
| Provision for loan and lease losses | $5,000 | 6,526 |
| Total noninterest income | $0 | 9,248 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 9,145 |
| Total noninterest expense | $133,000 | 8,873 |
| Salaries and employee benefits | $78,000 | 8,802 |
| Premises and equipment expense | $14,000 | 8,741 |
| Additional noninterest expense | $41,000 | 8,745 |
| Pre-tax net operating income | $54,000 | 7,928 |
| Securities gains (losses) | $8,000 | 2,242 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $61,000 | 7,669 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $61,000 | 7,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,300 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $53,160 | 7,677 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 7,521 |
| Total interest expense | $1,531,000 | 5,662 |
| Net interest income | $781,000 | 8,617 |
| Provision for loan and lease losses | $36,000 | 7,011 |
| Total noninterest income | $1,000 | 9,283 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,000 | 9,177 |
| Total noninterest expense | $484,000 | 9,012 |
| Salaries and employee benefits | $284,000 | 8,946 |
| Premises and equipment expense | $53,000 | 8,846 |
| Additional noninterest expense | $147,000 | 8,906 |
| Pre-tax net operating income | $262,000 | 7,699 |
| Securities gains (losses) | $30,000 | 2,835 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $292,000 | 7,360 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $292,000 | 7,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,979 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $262,000 | 7,409 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 7,948 |
| Total interest expense | $1,633,000 | 6,723 |
| Net interest income | $670,000 | 8,904 |
| Provision for loan and lease losses | $68,000 | 6,251 |
| Total noninterest income | $2,000 | 9,537 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,000 | 9,423 |
| Total noninterest expense | $433,000 | 9,306 |
| Salaries and employee benefits | $256,000 | 9,230 |
| Premises and equipment expense | $50,000 | 9,122 |
| Additional noninterest expense | $127,000 | 9,210 |
| Pre-tax net operating income | $171,000 | 8,014 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $22,000 | 7,256 |
| Income before extraordinary items | $149,000 | 8,039 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $149,000 | 8,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,098 |
| Cash dividends | $5,000 | 6,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $149,000 | 7,925 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,815,000 | 8,609 |
| Total interest expense | $1,212,000 | 7,780 |
| Net interest income | $603,000 | 9,291 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $0 | 9,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 9,820 |
| Total noninterest expense | $419,000 | 9,556 |
| Salaries and employee benefits | $265,000 | 9,401 |
| Premises and equipment expense | $50,000 | 9,363 |
| Additional noninterest expense | $104,000 | 9,606 |
| Pre-tax net operating income | $4,000 | 9,103 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,000 | 8,314 |
| Income before extraordinary items | $3,000 | 9,140 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,000 | 9,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,499 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,000 | 9,124 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,195,000 | 9,426 |
| Total interest expense | $735,000 | 8,866 |
| Net interest income | $460,000 | 9,746 |
| Provision for loan and lease losses | $57,000 | 6,356 |
| Total noninterest income | $1,000 | 10,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,109 |
| Total noninterest expense | $372,000 | 9,943 |
| Salaries and employee benefits | $230,000 | 9,791 |
| Premises and equipment expense | $45,000 | 9,724 |
| Additional noninterest expense | $97,000 | 9,939 |
| Pre-tax net operating income | $32,000 | 9,300 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-2,000 | 9,609 |
| Income before extraordinary items | $34,000 | 9,311 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $34,000 | 9,306 |
| 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 | $34,000 | 9,275 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $601,000 | 10,153 |
| Total interest expense | $321,000 | 10,021 |
| Net interest income | $280,000 | 10,222 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $0 | 10,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $231,000 | 10,352 |
| Salaries and employee benefits | $109,000 | 10,354 |
| Premises and equipment expense | $34,000 | 10,124 |
| Additional noninterest expense | $88,000 | 10,212 |
| Pre-tax net operating income | $19,000 | 9,727 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $3,000 | 9,247 |
| Income before extraordinary items | $16,000 | 9,773 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $16,000 | 9,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $16,000 | 9,721 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $56,000 | 10,900 |
| Total interest expense | $9,000 | 10,873 |
| Net interest income | $47,000 | 10,891 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $0 | 10,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,861 |
| Total noninterest expense | $70,000 | 10,901 |
| Salaries and employee benefits | $23,000 | 10,899 |
| Premises and equipment expense | $11,000 | 10,844 |
| Additional noninterest expense | $36,000 | 10,871 |
| Pre-tax net operating income | $-23,000 | 10,418 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-2,000 | 10,487 |
| Income before extraordinary items | $-21,000 | 10,429 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-21,000 | 10,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 764 |
| Net operating income | $-21,000 | 10,395 |
* 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.