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First Bank, Income and Expense

2004-06-30 (YTD Data)		Rank
Total interest income	$5,122,000	2,724
Total interest expense	$1,496,000	2,576
Net interest income	$3,626,000	2,752
Provision for loan and lease losses	$135,000	2,929
Total noninterest income	$933,000	2,309
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$260,000	3,045
Trading account gains and fees	$0	130
Additional Noninterest Income	$673,000	1,770
Total noninterest expense	$3,392,000	2,339
Salaries and employee benefits	$2,083,000	2,101
Premises and equipment expense	$472,000	2,399
Additional noninterest expense	$837,000	2,811
Pre-tax net operating income	$1,032,000	3,462
Securities gains (losses)	$9,000	2,475
Applicable income taxes	$323,000	2,945
Income before extraordinary items	$718,000	3,798
Extraordinary gains, net	$0	21
Net income	$718,000	3,798
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	8,580
Cash dividends	$550,000	1,992
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$711,790	3,725
2004-03-31 (YTD Data)		Rank
Total interest income	$2,523,000	2,763
Total interest expense	$736,000	2,644
Net interest income	$1,787,000	2,789
Provision for loan and lease losses	$45,000	3,437
Total noninterest income	$442,000	2,377
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$121,000	3,142
Trading account gains and fees	$0	121
Additional Noninterest Income	$321,000	1,798
Total noninterest expense	$1,676,000	2,375
Salaries and employee benefits	$1,050,000	2,098
Premises and equipment expense	$235,000	2,433
Additional noninterest expense	$391,000	2,982
Pre-tax net operating income	$508,000	3,482
Securities gains (losses)	$8,000	2,145
Applicable income taxes	$159,000	2,988
Income before extraordinary items	$357,000	3,801
Extraordinary gains, net	$0	16
Net income	$357,000	3,800
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-64,000	8,896
Cash dividends	$200,000	2,144
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$351,480	3,728
2003-12-31 (YTD Data)		Rank
Total interest income	$9,706,000	2,919
Total interest expense	$3,010,000	2,857
Net interest income	$6,696,000	2,865
Provision for loan and lease losses	$875,000	1,355
Total noninterest income	$2,083,000	2,262
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$453,000	3,353
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,630,000	1,707
Total noninterest expense	$6,574,000	2,389
Salaries and employee benefits	$4,152,000	2,044
Premises and equipment expense	$833,000	2,657
Additional noninterest expense	$1,589,000	2,918
Pre-tax net operating income	$1,330,000	4,423
Securities gains (losses)	$294,000	1,057
Applicable income taxes	$490,000	3,408
Income before extraordinary items	$1,134,000	4,281
Extraordinary gains, net	$0	54
Net income	$1,134,000	4,282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$748,000	1,157
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$928,200	4,692
2003-09-30 (YTD Data)		Rank
Total interest income	$7,246,000	2,968
Total interest expense	$2,314,000	2,888
Net interest income	$4,932,000	2,926
Provision for loan and lease losses	$1,260,000	737
Total noninterest income	$1,691,000	2,162
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$332,000	3,416
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,359,000	1,646
Total noninterest expense	$4,966,000	2,372
Salaries and employee benefits	$3,157,000	2,032
Premises and equipment expense	$639,000	2,615
Additional noninterest expense	$1,170,000	2,955
Pre-tax net operating income	$397,000	6,723
Securities gains (losses)	$245,000	1,098
Applicable income taxes	$140,000	5,201
Income before extraordinary items	$502,000	5,849
Extraordinary gains, net	$0	40
Net income	$502,000	5,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$258,000	1,880
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$310,900	6,725
2003-06-30 (YTD Data)		Rank
Total interest income	$4,774,000	3,025
Total interest expense	$1,590,000	2,888
Net interest income	$3,184,000	3,008
Provision for loan and lease losses	$230,000	2,276
Total noninterest income	$1,162,000	2,108
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$218,000	3,416
Trading account gains and fees	$0	150
Additional Noninterest Income	$944,000	1,578
Total noninterest expense	$3,225,000	2,430
Salaries and employee benefits	$2,036,000	2,083
Premises and equipment expense	$412,000	2,698
Additional noninterest expense	$777,000	2,942
Pre-tax net operating income	$891,000	3,780
Securities gains (losses)	$224,000	972
Applicable income taxes	$362,000	2,895
Income before extraordinary items	$753,000	3,666
Extraordinary gains, net	$0	30
Net income	$753,000	3,666
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	3,111
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$600,680	4,091
2003-03-31 (YTD Data)		Rank
Total interest income	$2,337,000	3,088
Total interest expense	$817,000	2,884
Net interest income	$1,520,000	3,140
Provision for loan and lease losses	$110,000	2,202
Total noninterest income	$542,000	2,158
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$107,000	3,373
Trading account gains and fees	$0	134
Additional Noninterest Income	$435,000	1,634
Total noninterest expense	$1,621,000	2,397
Salaries and employee benefits	$1,012,000	2,089
Premises and equipment expense	$211,000	2,633
Additional noninterest expense	$398,000	2,881
Pre-tax net operating income	$331,000	4,533
Securities gains (losses)	$91,000	1,052
Applicable income taxes	$125,000	3,551
Income before extraordinary items	$297,000	4,271
Extraordinary gains, net	$0	21
Net income	$297,000	4,269
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	2,492
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$233,300	4,705
2002-12-31 (YTD Data)		Rank
Total interest income	$9,229,000	3,232
Total interest expense	$3,406,000	3,188
Net interest income	$5,823,000	3,227
Provision for loan and lease losses	$448,000	2,598
Total noninterest income	$1,636,000	2,474
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$395,000	3,563
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,241,000	1,901
Total noninterest expense	$5,330,000	2,759
Salaries and employee benefits	$3,168,000	2,492
Premises and equipment expense	$744,000	2,847
Additional noninterest expense	$1,418,000	3,087
Pre-tax net operating income	$1,681,000	3,811
Securities gains (losses)	$222,000	1,093
Applicable income taxes	$314,000	4,359
Income before extraordinary items	$1,589,000	3,347
Extraordinary gains, net	$0	70
Net income	$1,589,000	3,346
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$210,000	2,935
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,404,740	3,564
2001-12-31 (YTD Data)		Rank
Total interest income	$9,175,000	3,577
Total interest expense	$4,691,000	3,338
Net interest income	$4,484,000	3,776
Provision for loan and lease losses	$331,000	3,012
Total noninterest income	$1,039,000	3,255
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$299,000	4,171
Trading account gains and fees	$0	177
Additional Noninterest Income	$740,000	2,497
Total noninterest expense	$4,382,000	3,156
Salaries and employee benefits	$2,559,000	2,890
Premises and equipment expense	$589,000	3,419
Additional noninterest expense	$1,234,000	3,413
Pre-tax net operating income	$810,000	5,459
Securities gains (losses)	$63,000	2,155
Applicable income taxes	$0	7,903
Income before extraordinary items	$873,000	4,647
Extraordinary gains, net	$0	105
Net income	$873,000	4,649
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	4,177
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$810,000	4,725
2000-12-31 (YTD Data)		Rank
Total interest income	$7,541,000	4,311
Total interest expense	$4,253,000	3,793
Net interest income	$3,288,000	4,835
Provision for loan and lease losses	$417,000	2,202
Total noninterest income	$559,000	4,600
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$180,000	5,355
Trading account gains and fees	NA	NA
Additional Noninterest Income	$379,000	3,473
Total noninterest expense	$4,172,000	3,218
Salaries and employee benefits	$2,334,000	3,017
Premises and equipment expense	$568,000	3,423
Additional noninterest expense	$1,270,000	3,247
Pre-tax net operating income	$-742,000	9,647
Securities gains (losses)	$-1,000	7,406
Applicable income taxes	$-1,000	9,263
Income before extraordinary items	$-742,000	9,670
Extraordinary gains, net	$0	38
Net income	$-742,000	9,669
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	4,566
Cash dividends	$100,000	5,913
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-741,000	9,669
1999-12-31 (YTD Data)		Rank
Total interest income	$3,862,000	6,482
Total interest expense	$1,817,000	6,322
Net interest income	$2,045,000	6,560
Provision for loan and lease losses	$280,000	2,822
Total noninterest income	$264,000	6,800
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$113,000	6,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$151,000	5,590
Total noninterest expense	$2,669,000	4,629
Salaries and employee benefits	$1,615,000	4,093
Premises and equipment expense	$314,000	5,333
Additional noninterest expense	$740,000	5,053
Pre-tax net operating income	$-640,000	9,939
Securities gains (losses)	$0	3,155
Applicable income taxes	$-73,000	9,876
Income before extraordinary items	$-567,000	9,942
Extraordinary gains, net	$0	35
Net income	$-567,000	9,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	4,024
Cash dividends	$89,000	6,226
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-567,000	9,919
1998-12-31 (YTD Data)		Rank
Total interest income	$3,321,000	7,148
Total interest expense	$1,470,000	7,257
Net interest income	$1,851,000	6,943
Provision for loan and lease losses	$526,000	1,651
Total noninterest income	$164,000	8,032
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	6,631
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	8,090
Total noninterest expense	$1,578,000	6,477
Salaries and employee benefits	$885,000	6,274
Premises and equipment expense	$168,000	7,274
Additional noninterest expense	$525,000	6,263
Pre-tax net operating income	$-89,000	9,907
Securities gains (losses)	$0	4,449
Applicable income taxes	$-77,000	10,185
Income before extraordinary items	$-12,000	9,858
Extraordinary gains, net	$0	32
Net income	$-12,000	9,856
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$576,000	1,122
Cash dividends	$91,000	6,372
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-12,000	9,814
1997-12-31 (YTD Data)		Rank
Total interest income	$3,325,000	7,378
Total interest expense	$1,506,000	7,331
Net interest income	$1,819,000	7,275
Provision for loan and lease losses	$15,000	8,110
Total noninterest income	$201,000	7,827
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	6,738
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	7,372
Total noninterest expense	$1,506,000	6,769
Salaries and employee benefits	$927,000	6,164
Premises and equipment expense	$155,000	7,697
Additional noninterest expense	$424,000	7,161
Pre-tax net operating income	$499,000	7,919
Securities gains (losses)	$0	3,944
Applicable income taxes	$187,000	7,077
Income before extraordinary items	$312,000	8,291
Extraordinary gains, net	$0	44
Net income	$312,000	8,292
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	2,774
Cash dividends	$89,000	6,675
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$312,000	8,241
1996-12-31 (YTD Data)		Rank
Total interest income	$3,164,000	7,789
Total interest expense	$1,474,000	7,635
Net interest income	$1,690,000	7,805
Provision for loan and lease losses	$0	9,041
Total noninterest income	$196,000	8,291
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	7,247
Trading account gains and fees	NA	NA
Additional Noninterest Income	$84,000	7,617
Total noninterest expense	$1,395,000	7,409
Salaries and employee benefits	$827,000	6,850
Premises and equipment expense	$160,000	7,826
Additional noninterest expense	$408,000	7,815
Pre-tax net operating income	$491,000	7,993
Securities gains (losses)	$0	4,148
Applicable income taxes	$188,000	7,318
Income before extraordinary items	$303,000	8,396
Extraordinary gains, net	$0	53
Net income	$303,000	8,393
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,597
Cash dividends	$134,000	6,245
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$303,000	8,341
1995-12-31 (YTD Data)		Rank
Total interest income	$2,367,000	9,160
Total interest expense	$1,084,000	8,948
Net interest income	$1,283,000	9,115
Provision for loan and lease losses	$0	8,958
Total noninterest income	$171,000	8,944
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$94,000	7,930
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	8,059
Total noninterest expense	$935,000	9,240
Salaries and employee benefits	$590,000	8,426
Premises and equipment expense	$98,000	9,671
Additional noninterest expense	$247,000	9,853
Pre-tax net operating income	$519,000	8,335
Securities gains (losses)	$0	3,831
Applicable income taxes	$204,000	7,346
Income before extraordinary items	$315,000	8,785
Extraordinary gains, net	$0	65
Net income	$315,000	8,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	11,271
Cash dividends	$254,000	4,921
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$315,000	8,743
1994-12-31 (YTD Data)		Rank
Total interest income	$2,135,000	9,551
Total interest expense	$924,000	9,017
Net interest income	$1,211,000	9,736
Provision for loan and lease losses	$0	9,146
Total noninterest income	$363,000	6,509
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	8,410
Trading account gains and fees	NA	NA
Additional Noninterest Income	$274,000	4,351
Total noninterest expense	$998,000	9,362
Salaries and employee benefits	$505,000	9,346
Premises and equipment expense	$102,000	9,964
Additional noninterest expense	$391,000	8,915
Pre-tax net operating income	$576,000	8,150
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$233,000	6,778
Income before extraordinary items	$344,000	8,680
Extraordinary gains, net	$0	249
Net income	$344,000	8,684
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-58,000	11,960
Cash dividends	$81,000	7,276
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$343,360	8,749
1993-12-31 (YTD Data)		Rank
Total interest income	$2,263,000	9,654
Total interest expense	$1,128,000	8,564
Net interest income	$1,135,000	10,276
Provision for loan and lease losses	$115,000	5,422
Total noninterest income	$126,000	10,712
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$113,000	8,031
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	12,543
Total noninterest expense	$1,092,000	9,351
Salaries and employee benefits	$494,000	9,732
Premises and equipment expense	$89,000	10,821
Additional noninterest expense	$509,000	8,119
Pre-tax net operating income	$54,000	12,157
Securities gains (losses)	$0	7,477
Applicable income taxes	$22,000	11,565
Income before extraordinary items	$32,000	12,365
Extraordinary gains, net	$0	3,149
Net income	$32,000	12,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$278,000	2,579
Cash dividends	$70,000	7,518
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$32,000	12,226
1992-12-31 (YTD Data)		Rank
Total interest income	$2,854,000	9,234
Total interest expense	$1,474,000	8,588
Net interest income	$1,380,000	9,701
Provision for loan and lease losses	$1,757,000	1,266
Total noninterest income	$134,000	10,833
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$151,000	7,077
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-17,000	13,937
Total noninterest expense	$1,091,000	9,559
Salaries and employee benefits	$536,000	9,405
Premises and equipment expense	$100,000	10,743
Additional noninterest expense	$455,000	8,919
Pre-tax net operating income	$-1,334,000	13,546
Securities gains (losses)	$105,000	2,939
Applicable income taxes	$-497,000	13,754
Income before extraordinary items	$-732,000	13,475
Extraordinary gains, net	$-66,000	13,607
Net income	$-798,000	13,495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,240,000	1,372
Cash dividends	$70,000	7,232
Sale, conversion, retirement of capital stock, net	$-133,000	13,833
Net operating income	$-799,200	13,413

* 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.