Home > First Bank > Income and Expense
First Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,088,000 | 7,499 |
| Total interest expense | $888,000 | 7,335 |
| Net interest income | $1,200,000 | 7,509 |
| Provision for loan and lease losses | $35,000 | 5,986 |
| Total noninterest income | $436,000 | 5,315 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $333,000 | 3,874 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $103,000 | 6,164 |
| Total noninterest expense | $1,090,000 | 7,524 |
| Salaries and employee benefits | $547,000 | 7,675 |
| Premises and equipment expense | $97,000 | 7,786 |
| Additional noninterest expense | $446,000 | 6,841 |
| Pre-tax net operating income | $511,000 | 5,955 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $513,000 | 5,631 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $513,000 | 5,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,041 |
| Cash dividends | $410,000 | 3,998 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $511,000 | 5,624 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,546,000 | 7,550 |
| Total interest expense | $662,000 | 7,379 |
| Net interest income | $884,000 | 7,588 |
| Provision for loan and lease losses | $6,000 | 6,329 |
| Total noninterest income | $272,000 | 5,729 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $231,000 | 4,024 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $41,000 | 7,030 |
| Total noninterest expense | $828,000 | 7,483 |
| Salaries and employee benefits | $416,000 | 7,638 |
| Premises and equipment expense | $78,000 | 7,692 |
| Additional noninterest expense | $334,000 | 6,825 |
| Pre-tax net operating income | $322,000 | 6,482 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $322,000 | 6,203 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $322,000 | 6,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,700 |
| Cash dividends | $220,000 | 4,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $322,000 | 6,191 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,016,000 | 7,615 |
| Total interest expense | $440,000 | 7,411 |
| Net interest income | $576,000 | 7,661 |
| Provision for loan and lease losses | $6,000 | 5,907 |
| Total noninterest income | $172,000 | 5,877 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $145,000 | 4,154 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $27,000 | 7,090 |
| Total noninterest expense | $554,000 | 7,537 |
| Salaries and employee benefits | $273,000 | 7,711 |
| Premises and equipment expense | $52,000 | 7,734 |
| Additional noninterest expense | $229,000 | 6,800 |
| Pre-tax net operating income | $188,000 | 6,710 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $188,000 | 6,466 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $188,000 | 6,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,435 |
| Cash dividends | $120,000 | 4,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $188,000 | 6,463 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $502,000 | 7,681 |
| Total interest expense | $216,000 | 7,472 |
| Net interest income | $286,000 | 7,713 |
| Provision for loan and lease losses | $6,000 | 5,291 |
| Total noninterest income | $82,000 | 5,936 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $67,000 | 4,285 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $15,000 | 6,985 |
| Total noninterest expense | $285,000 | 7,522 |
| Salaries and employee benefits | $145,000 | 7,662 |
| Premises and equipment expense | $25,000 | 7,791 |
| Additional noninterest expense | $115,000 | 6,805 |
| Pre-tax net operating income | $77,000 | 6,963 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $77,000 | 6,755 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $77,000 | 6,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $77,000 | 6,733 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,991,000 | 7,550 |
| Total interest expense | $748,000 | 7,433 |
| Net interest income | $1,243,000 | 7,529 |
| Provision for loan and lease losses | $23,000 | 6,241 |
| Total noninterest income | $340,000 | 5,936 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $296,000 | 4,159 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $44,000 | 7,377 |
| Total noninterest expense | $1,061,000 | 7,612 |
| Salaries and employee benefits | $535,000 | 7,772 |
| Premises and equipment expense | $104,000 | 7,750 |
| Additional noninterest expense | $422,000 | 6,959 |
| Pre-tax net operating income | $499,000 | 6,490 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $499,000 | 6,167 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $499,000 | 6,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,238 |
| Cash dividends | $349,000 | 4,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $499,000 | 6,158 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,489,000 | 7,601 |
| Total interest expense | $547,000 | 7,467 |
| Net interest income | $942,000 | 7,573 |
| Provision for loan and lease losses | $17,000 | 6,141 |
| Total noninterest income | $256,000 | 5,961 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $223,000 | 4,189 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $33,000 | 7,424 |
| Total noninterest expense | $794,000 | 7,617 |
| Salaries and employee benefits | $406,000 | 7,758 |
| Premises and equipment expense | $78,000 | 7,787 |
| Additional noninterest expense | $310,000 | 7,022 |
| Pre-tax net operating income | $387,000 | 6,662 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $387,000 | 6,300 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $387,000 | 6,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,782 |
| Cash dividends | $277,000 | 3,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $387,000 | 6,303 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $988,000 | 7,623 |
| Total interest expense | $353,000 | 7,475 |
| Net interest income | $635,000 | 7,598 |
| Provision for loan and lease losses | $11,000 | 5,966 |
| Total noninterest income | $169,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $147,000 | 4,180 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $22,000 | 7,458 |
| Total noninterest expense | $520,000 | 7,679 |
| Salaries and employee benefits | $267,000 | 7,812 |
| Premises and equipment expense | $52,000 | 7,803 |
| Additional noninterest expense | $201,000 | 7,088 |
| Pre-tax net operating income | $273,000 | 6,626 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $273,000 | 6,203 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $273,000 | 6,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $185,000 | 3,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $273,000 | 6,210 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $497,000 | 7,619 |
| Total interest expense | $170,000 | 7,501 |
| Net interest income | $327,000 | 7,571 |
| Provision for loan and lease losses | $6,000 | 5,562 |
| Total noninterest income | $78,000 | 6,127 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $69,000 | 4,247 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,631 |
| Total noninterest expense | $261,000 | 7,695 |
| Salaries and employee benefits | $141,000 | 7,745 |
| Premises and equipment expense | $27,000 | 7,763 |
| Additional noninterest expense | $93,000 | 7,227 |
| Pre-tax net operating income | $138,000 | 6,572 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $138,000 | 6,133 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $138,000 | 6,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $138,000 | 6,131 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 7,618 |
| Total interest expense | $548,000 | 7,482 |
| Net interest income | $1,270,000 | 7,603 |
| Provision for loan and lease losses | $12,000 | 6,720 |
| Total noninterest income | $317,000 | 6,224 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $269,000 | 4,413 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $48,000 | 7,428 |
| Total noninterest expense | $1,054,000 | 7,657 |
| Salaries and employee benefits | $522,000 | 7,827 |
| Premises and equipment expense | $107,000 | 7,786 |
| Additional noninterest expense | $425,000 | 6,964 |
| Pre-tax net operating income | $521,000 | 6,686 |
| Securities gains (losses) | $-7,000 | 7,410 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $514,000 | 6,313 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $514,000 | 6,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,620 |
| Cash dividends | $810,000 | 2,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $521,000 | 6,254 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,358,000 | 7,655 |
| Total interest expense | $400,000 | 7,475 |
| Net interest income | $958,000 | 7,634 |
| Provision for loan and lease losses | $12,000 | 6,428 |
| Total noninterest income | $236,000 | 6,252 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $200,000 | 4,460 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $36,000 | 7,455 |
| Total noninterest expense | $800,000 | 7,614 |
| Salaries and employee benefits | $398,000 | 7,789 |
| Premises and equipment expense | $80,000 | 7,786 |
| Additional noninterest expense | $322,000 | 6,942 |
| Pre-tax net operating income | $382,000 | 6,869 |
| Securities gains (losses) | $-7,000 | 7,795 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $375,000 | 6,517 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $375,000 | 6,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $721,000 | 2,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $382,000 | 6,426 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $912,000 | 7,636 |
| Total interest expense | $257,000 | 7,468 |
| Net interest income | $655,000 | 7,605 |
| Provision for loan and lease losses | $12,000 | 5,987 |
| Total noninterest income | $152,000 | 6,315 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $125,000 | 4,565 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $27,000 | 7,318 |
| Total noninterest expense | $531,000 | 7,628 |
| Salaries and employee benefits | $263,000 | 7,812 |
| Premises and equipment expense | $54,000 | 7,770 |
| Additional noninterest expense | $214,000 | 6,934 |
| Pre-tax net operating income | $264,000 | 6,808 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $264,000 | 6,399 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $264,000 | 6,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $626,000 | 1,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $264,000 | 6,343 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $446,000 | 7,710 |
| Total interest expense | $127,000 | 7,465 |
| Net interest income | $319,000 | 7,724 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $78,000 | 6,223 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $61,000 | 4,567 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 7,096 |
| Total noninterest expense | $256,000 | 7,758 |
| Salaries and employee benefits | $122,000 | 7,990 |
| Premises and equipment expense | $27,000 | 7,847 |
| Additional noninterest expense | $107,000 | 6,972 |
| Pre-tax net operating income | $135,000 | 6,753 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $135,000 | 6,321 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $135,000 | 6,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $135,000 | 6,276 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,811,000 | 7,569 |
| Total interest expense | $461,000 | 7,451 |
| Net interest income | $1,350,000 | 7,522 |
| Provision for loan and lease losses | $30,000 | 6,416 |
| Total noninterest income | $296,000 | 6,433 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $256,000 | 4,696 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $40,000 | 7,684 |
| Total noninterest expense | $1,076,000 | 7,661 |
| Salaries and employee benefits | $537,000 | 7,886 |
| Premises and equipment expense | $92,000 | 8,068 |
| Additional noninterest expense | $447,000 | 6,857 |
| Pre-tax net operating income | $540,000 | 6,580 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $540,000 | 6,207 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $540,000 | 6,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,222 |
| Cash dividends | $378,000 | 4,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $540,000 | 6,120 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,367,000 | 7,604 |
| Total interest expense | $340,000 | 7,507 |
| Net interest income | $1,027,000 | 7,518 |
| Provision for loan and lease losses | $27,000 | 6,080 |
| Total noninterest income | $224,000 | 6,459 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $194,000 | 4,710 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $30,000 | 7,707 |
| Total noninterest expense | $786,000 | 7,684 |
| Salaries and employee benefits | $395,000 | 7,874 |
| Premises and equipment expense | $64,000 | 8,149 |
| Additional noninterest expense | $327,000 | 6,895 |
| Pre-tax net operating income | $438,000 | 6,588 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $438,000 | 6,116 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $438,000 | 6,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,426 |
| Cash dividends | $306,000 | 3,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $438,000 | 6,038 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $914,000 | 7,627 |
| Total interest expense | $226,000 | 7,585 |
| Net interest income | $688,000 | 7,539 |
| Provision for loan and lease losses | $18,000 | 5,953 |
| Total noninterest income | $146,000 | 6,528 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $126,000 | 4,757 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $20,000 | 7,733 |
| Total noninterest expense | $530,000 | 7,708 |
| Salaries and employee benefits | $271,000 | 7,883 |
| Premises and equipment expense | $38,000 | 8,310 |
| Additional noninterest expense | $221,000 | 6,903 |
| Pre-tax net operating income | $286,000 | 6,595 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $286,000 | 6,134 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $286,000 | 6,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,422 |
| Cash dividends | $198,000 | 3,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $286,000 | 6,064 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $460,000 | 7,672 |
| Total interest expense | $113,000 | 7,644 |
| Net interest income | $347,000 | 7,566 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $75,000 | 6,432 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $69,000 | 4,450 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $262,000 | 7,779 |
| Salaries and employee benefits | $127,000 | 8,015 |
| Premises and equipment expense | $24,000 | 8,053 |
| Additional noninterest expense | $111,000 | 6,892 |
| Pre-tax net operating income | $151,000 | 6,425 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $151,000 | 6,002 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $151,000 | 6,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,902 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $151,000 | 5,878 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,865,000 | 7,692 |
| Total interest expense | $505,000 | 7,722 |
| Net interest income | $1,360,000 | 7,569 |
| Provision for loan and lease losses | $26,000 | 6,885 |
| Total noninterest income | $279,000 | 6,740 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $251,000 | 4,748 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $28,000 | 8,187 |
| Total noninterest expense | $1,066,000 | 7,743 |
| Salaries and employee benefits | $532,000 | 7,962 |
| Premises and equipment expense | $100,000 | 8,065 |
| Additional noninterest expense | $434,000 | 6,936 |
| Pre-tax net operating income | $547,000 | 6,529 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $548,000 | 6,138 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $548,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,519 |
| Cash dividends | $484,000 | 3,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $547,000 | 5,996 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 7,781 |
| Total interest expense | $391,000 | 7,812 |
| Net interest income | $1,014,000 | 7,633 |
| Provision for loan and lease losses | $19,000 | 6,815 |
| Total noninterest income | $200,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $181,000 | 4,859 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $19,000 | 8,294 |
| Total noninterest expense | $782,000 | 7,781 |
| Salaries and employee benefits | $387,000 | 7,999 |
| Premises and equipment expense | $76,000 | 8,069 |
| Additional noninterest expense | $319,000 | 6,981 |
| Pre-tax net operating income | $413,000 | 6,662 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $414,000 | 6,276 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $414,000 | 6,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $290,000 | 3,556 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $413,000 | 6,106 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $948,000 | 7,813 |
| Total interest expense | $271,000 | 7,852 |
| Net interest income | $677,000 | 7,667 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $133,000 | 6,869 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $114,000 | 4,956 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $19,000 | 7,898 |
| Total noninterest expense | $523,000 | 7,801 |
| Salaries and employee benefits | $261,000 | 7,999 |
| Premises and equipment expense | $50,000 | 8,086 |
| Additional noninterest expense | $212,000 | 6,986 |
| Pre-tax net operating income | $272,000 | 6,687 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $273,000 | 6,318 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $273,000 | 6,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $188,000 | 3,595 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $272,000 | 6,113 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $478,000 | 7,848 |
| Total interest expense | $140,000 | 7,885 |
| Net interest income | $338,000 | 7,674 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $65,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $58,000 | 4,839 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $251,000 | 7,921 |
| Salaries and employee benefits | $121,000 | 8,179 |
| Premises and equipment expense | $25,000 | 8,112 |
| Additional noninterest expense | $105,000 | 7,027 |
| Pre-tax net operating income | $143,000 | 6,558 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $144,000 | 6,103 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $144,000 | 6,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $143,000 | 5,947 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,116,000 | 7,723 |
| Total interest expense | $659,000 | 7,925 |
| Net interest income | $1,457,000 | 7,505 |
| Provision for loan and lease losses | $35,000 | 7,087 |
| Total noninterest income | $264,000 | 6,745 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $241,000 | 4,789 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $23,000 | 8,435 |
| Total noninterest expense | $1,089,000 | 7,736 |
| Salaries and employee benefits | $525,000 | 8,037 |
| Premises and equipment expense | $117,000 | 7,917 |
| Additional noninterest expense | $447,000 | 6,836 |
| Pre-tax net operating income | $597,000 | 6,432 |
| Securities gains (losses) | $21,000 | 3,108 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $618,000 | 5,891 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $618,000 | 5,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,634 |
| Cash dividends | $433,000 | 3,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $597,000 | 5,835 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,279,000 | 7,966 |
| Total interest expense | $931,000 | 8,156 |
| Net interest income | $1,348,000 | 7,603 |
| Provision for loan and lease losses | $40,000 | 6,926 |
| Total noninterest income | $263,000 | 6,739 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $241,000 | 4,740 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $22,000 | 8,652 |
| Total noninterest expense | $975,000 | 8,024 |
| Salaries and employee benefits | $487,000 | 8,242 |
| Premises and equipment expense | $95,000 | 8,379 |
| Additional noninterest expense | $393,000 | 7,204 |
| Pre-tax net operating income | $596,000 | 6,184 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $39,000 | 6,903 |
| Income before extraordinary items | $557,000 | 5,806 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $557,000 | 5,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,750 |
| Cash dividends | $389,000 | 3,954 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $557,000 | 5,687 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,301,000 | 8,122 |
| Total interest expense | $941,000 | 8,348 |
| Net interest income | $1,360,000 | 7,732 |
| Provision for loan and lease losses | $37,000 | 6,967 |
| Total noninterest income | $264,000 | 6,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 4,645 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 8,716 |
| Total noninterest expense | $915,000 | 8,260 |
| Salaries and employee benefits | $485,000 | 8,320 |
| Premises and equipment expense | $81,000 | 8,764 |
| Additional noninterest expense | $349,000 | 7,557 |
| Pre-tax net operating income | $672,000 | 6,337 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $39,000 | 7,426 |
| Income before extraordinary items | $633,000 | 5,696 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $633,000 | 5,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,647 |
| Cash dividends | $443,000 | 3,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $633,000 | 5,711 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,175,000 | 8,304 |
| Total interest expense | $845,000 | 8,574 |
| Net interest income | $1,330,000 | 7,921 |
| Provision for loan and lease losses | $45,000 | 6,711 |
| Total noninterest income | $265,000 | 6,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 4,771 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,510 |
| Total noninterest expense | $958,000 | 8,244 |
| Salaries and employee benefits | $458,000 | 8,582 |
| Premises and equipment expense | $104,000 | 8,553 |
| Additional noninterest expense | $396,000 | 7,310 |
| Pre-tax net operating income | $592,000 | 6,742 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $69,000 | 7,349 |
| Income before extraordinary items | $523,000 | 6,281 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $523,000 | 6,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,459 |
| Cash dividends | $427,000 | 3,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $523,000 | 6,265 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,233,000 | 8,400 |
| Total interest expense | $925,000 | 8,624 |
| Net interest income | $1,308,000 | 8,103 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $256,000 | 6,931 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,006 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,339 |
| Total noninterest expense | $986,000 | 8,153 |
| Salaries and employee benefits | $436,000 | 8,738 |
| Premises and equipment expense | $111,000 | 8,461 |
| Additional noninterest expense | $439,000 | 6,894 |
| Pre-tax net operating income | $548,000 | 7,160 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-59,000 | 10,154 |
| Income before extraordinary items | $607,000 | 6,018 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $607,000 | 6,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,253 |
| Cash dividends | $385,000 | 4,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $607,000 | 5,917 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,222,000 | 8,757 |
| Total interest expense | $939,000 | 8,854 |
| Net interest income | $1,283,000 | 8,501 |
| Provision for loan and lease losses | $28,000 | 7,514 |
| Total noninterest income | $257,000 | 7,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 8,605 |
| Total noninterest expense | $907,000 | 8,660 |
| Salaries and employee benefits | $406,000 | 9,227 |
| Premises and equipment expense | $122,000 | 8,446 |
| Additional noninterest expense | $379,000 | 7,539 |
| Pre-tax net operating income | $605,000 | 7,398 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $207,000 | 6,784 |
| Income before extraordinary items | $398,000 | 7,656 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $398,000 | 7,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,811 |
| Cash dividends | $200,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $398,000 | 7,596 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 8,976 |
| Total interest expense | $907,000 | 9,308 |
| Net interest income | $1,396,000 | 8,522 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $260,000 | 7,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,080 |
| Total noninterest expense | $855,000 | 9,213 |
| Salaries and employee benefits | $433,000 | 9,369 |
| Premises and equipment expense | $82,000 | 9,755 |
| Additional noninterest expense | $340,000 | 8,455 |
| Pre-tax net operating income | $741,000 | 6,748 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $251,000 | 6,439 |
| Income before extraordinary items | $490,000 | 6,964 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $490,000 | 6,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,399 |
| Cash dividends | $1,280,000 | 1,785 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $490,000 | 6,903 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,317,000 | 9,229 |
| Total interest expense | $899,000 | 9,617 |
| Net interest income | $1,418,000 | 8,749 |
| Provision for loan and lease losses | $53,000 | 6,095 |
| Total noninterest income | $225,000 | 8,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,407 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,620 |
| Total noninterest expense | $773,000 | 9,895 |
| Salaries and employee benefits | $399,000 | 9,955 |
| Premises and equipment expense | $65,000 | 10,624 |
| Additional noninterest expense | $309,000 | 9,158 |
| Pre-tax net operating income | $817,000 | 6,763 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $272,000 | 6,339 |
| Income before extraordinary items | $545,000 | 6,934 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $545,000 | 6,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,333 |
| Cash dividends | $240,000 | 5,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $545,000 | 6,908 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,055,000 | 9,701 |
| Total interest expense | $691,000 | 10,143 |
| Net interest income | $1,364,000 | 9,266 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $204,000 | 8,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 6,969 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,251 |
| Total noninterest expense | $865,000 | 9,927 |
| Salaries and employee benefits | $443,000 | 9,888 |
| Premises and equipment expense | $71,000 | 10,948 |
| Additional noninterest expense | $351,000 | 9,331 |
| Pre-tax net operating income | $673,000 | 7,569 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $215,000 | 7,096 |
| Income before extraordinary items | $458,000 | 7,630 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $458,000 | 7,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,780 |
| Cash dividends | $240,000 | 5,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $458,000 | 7,685 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,105,000 | 9,977 |
| Total interest expense | $692,000 | 10,632 |
| Net interest income | $1,413,000 | 9,378 |
| Provision for loan and lease losses | $55,000 | 7,245 |
| Total noninterest income | $244,000 | 8,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 7,016 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,188 |
| Total noninterest expense | $926,000 | 10,077 |
| Salaries and employee benefits | $459,000 | 10,049 |
| Premises and equipment expense | $80,000 | 11,146 |
| Additional noninterest expense | $387,000 | 9,405 |
| Pre-tax net operating income | $676,000 | 7,490 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $209,000 | 7,456 |
| Income before extraordinary items | $467,000 | 7,824 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $467,000 | 7,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,927 |
| Cash dividends | $255,000 | 4,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $467,000 | 7,563 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,313,000 | 10,271 |
| Total interest expense | $906,000 | 10,844 |
| Net interest income | $1,407,000 | 9,607 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $194,000 | 9,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,744 |
| Total noninterest expense | $891,000 | 10,545 |
| Salaries and employee benefits | $436,000 | 10,450 |
| Premises and equipment expense | $85,000 | 11,297 |
| Additional noninterest expense | $370,000 | 9,943 |
| Pre-tax net operating income | $680,000 | 7,213 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $201,000 | 7,542 |
| Income before extraordinary items | $479,000 | 7,511 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $479,000 | 7,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 7,390 |
| Cash dividends | $275,000 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $479,000 | 7,132 |
* 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.