Home > First Bank and Trust > Income and Expense
First Bank and Trust, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,525,000 | 4,540 |
| Total interest expense | $3,713,000 | 4,199 |
| Net interest income | $3,812,000 | 4,775 |
| Provision for loan and lease losses | $10,000 | 6,581 |
| Total noninterest income | $593,000 | 4,671 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $131,000 | 5,631 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $462,000 | 3,461 |
| Total noninterest expense | $2,945,000 | 5,056 |
| Salaries and employee benefits | $1,667,000 | 4,978 |
| Premises and equipment expense | $511,000 | 4,288 |
| Additional noninterest expense | $767,000 | 5,481 |
| Pre-tax net operating income | $1,450,000 | 3,972 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $453,000 | 2,858 |
| Income before extraordinary items | $997,000 | 4,337 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $997,000 | 4,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,770 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $997,000 | 4,325 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,544,000 | 4,604 |
| Total interest expense | $2,770,000 | 4,214 |
| Net interest income | $2,774,000 | 4,875 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $418,000 | 4,809 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $96,000 | 5,692 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $322,000 | 3,611 |
| Total noninterest expense | $2,180,000 | 5,075 |
| Salaries and employee benefits | $1,194,000 | 5,111 |
| Premises and equipment expense | $381,000 | 4,300 |
| Additional noninterest expense | $605,000 | 5,269 |
| Pre-tax net operating income | $1,012,000 | 4,329 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $301,000 | 3,200 |
| Income before extraordinary items | $711,000 | 4,614 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $711,000 | 4,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $711,000 | 4,606 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,618,000 | 4,664 |
| Total interest expense | $1,790,000 | 4,301 |
| Net interest income | $1,828,000 | 4,936 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $288,000 | 4,766 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $66,000 | 5,676 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $222,000 | 3,585 |
| Total noninterest expense | $1,450,000 | 5,120 |
| Salaries and employee benefits | $791,000 | 5,170 |
| Premises and equipment expense | $256,000 | 4,316 |
| Additional noninterest expense | $403,000 | 5,280 |
| Pre-tax net operating income | $666,000 | 4,433 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $195,000 | 3,309 |
| Income before extraordinary items | $471,000 | 4,684 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $471,000 | 4,684 |
| 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 | $471,000 | 4,680 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,775,000 | 4,729 |
| Total interest expense | $877,000 | 4,341 |
| Net interest income | $898,000 | 4,997 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $135,000 | 4,869 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $28,000 | 5,902 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $107,000 | 3,642 |
| Total noninterest expense | $714,000 | 5,180 |
| Salaries and employee benefits | $390,000 | 5,254 |
| Premises and equipment expense | $132,000 | 4,228 |
| Additional noninterest expense | $192,000 | 5,396 |
| Pre-tax net operating income | $319,000 | 4,514 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $90,000 | 3,414 |
| Income before extraordinary items | $229,000 | 4,755 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $229,000 | 4,757 |
| 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 | $229,000 | 4,734 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,424,000 | 4,791 |
| Total interest expense | $2,929,000 | 4,373 |
| Net interest income | $3,495,000 | 5,064 |
| Provision for loan and lease losses | $12,000 | 6,496 |
| Total noninterest income | $588,000 | 4,782 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $132,000 | 5,746 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $456,000 | 3,498 |
| Total noninterest expense | $2,826,000 | 5,088 |
| Salaries and employee benefits | $1,549,000 | 5,084 |
| Premises and equipment expense | $477,000 | 4,401 |
| Additional noninterest expense | $800,000 | 5,236 |
| Pre-tax net operating income | $1,245,000 | 4,710 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $354,000 | 3,581 |
| Income before extraordinary items | $891,000 | 4,963 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $891,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $500,000 | 3,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $891,000 | 4,958 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,724,000 | 4,837 |
| Total interest expense | $2,119,000 | 4,393 |
| Net interest income | $2,605,000 | 5,120 |
| Provision for loan and lease losses | $12,000 | 6,287 |
| Total noninterest income | $451,000 | 4,752 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $101,000 | 5,777 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $350,000 | 3,441 |
| Total noninterest expense | $2,117,000 | 5,075 |
| Salaries and employee benefits | $1,154,000 | 5,093 |
| Premises and equipment expense | $346,000 | 4,492 |
| Additional noninterest expense | $617,000 | 5,130 |
| Pre-tax net operating income | $927,000 | 4,889 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $262,000 | 3,759 |
| Income before extraordinary items | $665,000 | 5,123 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $665,000 | 5,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $665,000 | 5,118 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,073,000 | 4,873 |
| Total interest expense | $1,338,000 | 4,400 |
| Net interest income | $1,735,000 | 5,146 |
| Provision for loan and lease losses | $12,000 | 5,878 |
| Total noninterest income | $309,000 | 4,651 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $68,000 | 5,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $241,000 | 3,390 |
| Total noninterest expense | $1,385,000 | 5,154 |
| Salaries and employee benefits | $763,000 | 5,141 |
| Premises and equipment expense | $226,000 | 4,557 |
| Additional noninterest expense | $396,000 | 5,239 |
| Pre-tax net operating income | $647,000 | 4,814 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $184,000 | 3,722 |
| Income before extraordinary items | $463,000 | 5,072 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $463,000 | 5,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $463,000 | 5,057 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,546,000 | 4,816 |
| Total interest expense | $647,000 | 4,379 |
| Net interest income | $899,000 | 5,037 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $155,000 | 4,596 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $31,000 | 5,867 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $124,000 | 3,323 |
| Total noninterest expense | $720,000 | 5,041 |
| Salaries and employee benefits | $402,000 | 4,996 |
| Premises and equipment expense | $116,000 | 4,522 |
| Additional noninterest expense | $202,000 | 5,144 |
| Pre-tax net operating income | $322,000 | 4,780 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $90,000 | 3,735 |
| Income before extraordinary items | $232,000 | 5,016 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $232,000 | 5,016 |
| 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 | $232,000 | 4,998 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,521,000 | 4,831 |
| Total interest expense | $2,123,000 | 4,256 |
| Net interest income | $3,398,000 | 5,112 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $674,000 | 4,489 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $153,000 | 5,584 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $521,000 | 3,301 |
| Total noninterest expense | $2,695,000 | 5,126 |
| Salaries and employee benefits | $1,448,000 | 5,171 |
| Premises and equipment expense | $451,000 | 4,479 |
| Additional noninterest expense | $796,000 | 5,183 |
| Pre-tax net operating income | $1,377,000 | 4,589 |
| Securities gains (losses) | $-6,000 | 7,363 |
| Applicable income taxes | $414,000 | 3,650 |
| Income before extraordinary items | $957,000 | 4,936 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $957,000 | 4,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,352 |
| Cash dividends | $300,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $961,200 | 4,891 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,038,000 | 4,891 |
| Total interest expense | $1,514,000 | 4,261 |
| Net interest income | $2,524,000 | 5,152 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $513,000 | 4,476 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $112,000 | 5,656 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $401,000 | 3,278 |
| Total noninterest expense | $2,028,000 | 5,099 |
| Salaries and employee benefits | $1,113,000 | 5,065 |
| Premises and equipment expense | $328,000 | 4,556 |
| Additional noninterest expense | $587,000 | 5,193 |
| Pre-tax net operating income | $1,009,000 | 4,747 |
| Securities gains (losses) | $-6,000 | 7,744 |
| Applicable income taxes | $300,000 | 3,814 |
| Income before extraordinary items | $703,000 | 5,079 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $703,000 | 5,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,292 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $707,200 | 5,026 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,584,000 | 4,954 |
| Total interest expense | $935,000 | 4,333 |
| Net interest income | $1,649,000 | 5,204 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $318,000 | 4,643 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $73,000 | 5,656 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $245,000 | 3,396 |
| Total noninterest expense | $1,344,000 | 5,104 |
| Salaries and employee benefits | $733,000 | 5,104 |
| Premises and equipment expense | $216,000 | 4,551 |
| Additional noninterest expense | $395,000 | 5,130 |
| Pre-tax net operating income | $623,000 | 4,917 |
| Securities gains (losses) | $-6,000 | 7,982 |
| Applicable income taxes | $172,000 | 4,044 |
| Income before extraordinary items | $445,000 | 5,176 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $445,000 | 5,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,334 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $449,320 | 5,109 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,263,000 | 5,021 |
| Total interest expense | $444,000 | 4,369 |
| Net interest income | $819,000 | 5,264 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $171,000 | 4,372 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $34,000 | 5,761 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $137,000 | 3,142 |
| Total noninterest expense | $675,000 | 5,127 |
| Salaries and employee benefits | $370,000 | 5,097 |
| Premises and equipment expense | $107,000 | 4,643 |
| Additional noninterest expense | $198,000 | 5,114 |
| Pre-tax net operating income | $315,000 | 4,865 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $92,000 | 3,902 |
| Income before extraordinary items | $223,000 | 5,150 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $223,000 | 5,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,526 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $223,000 | 5,119 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,912,000 | 4,905 |
| Total interest expense | $1,669,000 | 4,200 |
| Net interest income | $3,243,000 | 5,168 |
| Provision for loan and lease losses | $35,000 | 6,319 |
| Total noninterest income | $614,000 | 4,757 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $150,000 | 5,779 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $464,000 | 3,447 |
| Total noninterest expense | $2,721,000 | 5,001 |
| Salaries and employee benefits | $1,457,000 | 5,050 |
| Premises and equipment expense | $444,000 | 4,454 |
| Additional noninterest expense | $820,000 | 5,007 |
| Pre-tax net operating income | $1,101,000 | 4,997 |
| Securities gains (losses) | $11,000 | 2,784 |
| Applicable income taxes | $289,000 | 4,225 |
| Income before extraordinary items | $823,000 | 5,203 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $823,000 | 5,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,491 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $814,860 | 5,158 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,648,000 | 4,922 |
| Total interest expense | $1,243,000 | 4,170 |
| Net interest income | $2,405,000 | 5,190 |
| Provision for loan and lease losses | $20,000 | 6,311 |
| Total noninterest income | $460,000 | 4,763 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $113,000 | 5,820 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $347,000 | 3,451 |
| Total noninterest expense | $2,051,000 | 4,944 |
| Salaries and employee benefits | $1,098,000 | 4,979 |
| Premises and equipment expense | $342,000 | 4,352 |
| Additional noninterest expense | $611,000 | 4,994 |
| Pre-tax net operating income | $794,000 | 5,204 |
| Securities gains (losses) | $11,000 | 2,659 |
| Applicable income taxes | $208,000 | 4,381 |
| Income before extraordinary items | $597,000 | 5,378 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $597,000 | 5,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,770 |
| Cash dividends | $100,000 | 4,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $588,860 | 5,328 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,418,000 | 4,955 |
| Total interest expense | $839,000 | 4,132 |
| Net interest income | $1,579,000 | 5,247 |
| Provision for loan and lease losses | $5,000 | 6,663 |
| Total noninterest income | $311,000 | 4,738 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $74,000 | 5,866 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $237,000 | 3,420 |
| Total noninterest expense | $1,377,000 | 4,946 |
| Salaries and employee benefits | $747,000 | 4,943 |
| Premises and equipment expense | $228,000 | 4,370 |
| Additional noninterest expense | $402,000 | 5,047 |
| Pre-tax net operating income | $508,000 | 5,272 |
| Securities gains (losses) | $11,000 | 2,367 |
| Applicable income taxes | $136,000 | 4,407 |
| Income before extraordinary items | $383,000 | 5,425 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $383,000 | 5,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,165 |
| Cash dividends | $100,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $374,860 | 5,392 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,199,000 | 5,002 |
| Total interest expense | $428,000 | 4,124 |
| Net interest income | $771,000 | 5,335 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $147,000 | 4,822 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $36,000 | 5,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $111,000 | 3,491 |
| Total noninterest expense | $709,000 | 4,878 |
| Salaries and employee benefits | $381,000 | 4,905 |
| Premises and equipment expense | $119,000 | 4,271 |
| Additional noninterest expense | $209,000 | 4,912 |
| Pre-tax net operating income | $209,000 | 5,725 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $53,000 | 4,770 |
| Income before extraordinary items | $159,000 | 5,868 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $159,000 | 5,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,228 |
| Cash dividends | $100,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $156,750 | 5,790 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,031,000 | 4,873 |
| Total interest expense | $1,829,000 | 4,298 |
| Net interest income | $3,202,000 | 5,093 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $827,000 | 4,159 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $168,000 | 5,642 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $659,000 | 3,082 |
| Total noninterest expense | $2,730,000 | 4,912 |
| Salaries and employee benefits | $1,517,000 | 4,810 |
| Premises and equipment expense | $445,000 | 4,405 |
| Additional noninterest expense | $768,000 | 5,188 |
| Pre-tax net operating income | $1,299,000 | 4,484 |
| Securities gains (losses) | $50,000 | 2,510 |
| Applicable income taxes | $379,000 | 3,895 |
| Income before extraordinary items | $970,000 | 4,734 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $970,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,477 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $934,000 | 4,674 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,810,000 | 4,894 |
| Total interest expense | $1,382,000 | 4,402 |
| Net interest income | $2,428,000 | 5,073 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $688,000 | 3,979 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $125,000 | 5,705 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $563,000 | 2,926 |
| Total noninterest expense | $2,054,000 | 4,888 |
| Salaries and employee benefits | $1,119,000 | 4,854 |
| Premises and equipment expense | $332,000 | 4,419 |
| Additional noninterest expense | $603,000 | 4,986 |
| Pre-tax net operating income | $1,062,000 | 4,398 |
| Securities gains (losses) | $50,000 | 2,306 |
| Applicable income taxes | $319,000 | 3,803 |
| Income before extraordinary items | $793,000 | 4,618 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $793,000 | 4,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,128 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $757,500 | 4,571 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,579,000 | 4,885 |
| Total interest expense | $924,000 | 4,507 |
| Net interest income | $1,655,000 | 4,981 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $468,000 | 3,893 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $85,000 | 5,628 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $383,000 | 2,863 |
| Total noninterest expense | $1,359,000 | 4,917 |
| Salaries and employee benefits | $751,000 | 4,838 |
| Premises and equipment expense | $219,000 | 4,445 |
| Additional noninterest expense | $389,000 | 5,107 |
| Pre-tax net operating income | $764,000 | 4,184 |
| Securities gains (losses) | $4,000 | 3,287 |
| Applicable income taxes | $219,000 | 3,788 |
| Income before extraordinary items | $549,000 | 4,548 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $549,000 | 4,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $546,160 | 4,348 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,287,000 | 4,911 |
| Total interest expense | $473,000 | 4,519 |
| Net interest income | $814,000 | 5,031 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $198,000 | 4,189 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $40,000 | 5,673 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $158,000 | 3,120 |
| Total noninterest expense | $673,000 | 4,931 |
| Salaries and employee benefits | $369,000 | 4,909 |
| Premises and equipment expense | $115,000 | 4,305 |
| Additional noninterest expense | $189,000 | 5,173 |
| Pre-tax net operating income | $339,000 | 4,460 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $93,000 | 4,071 |
| Income before extraordinary items | $246,000 | 4,760 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $246,000 | 4,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,300 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $246,000 | 4,561 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,192,000 | 5,047 |
| Total interest expense | $2,035,000 | 4,737 |
| Net interest income | $3,157,000 | 5,133 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $802,000 | 3,993 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $189,000 | 5,336 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $613,000 | 2,928 |
| Total noninterest expense | $2,578,000 | 4,974 |
| Salaries and employee benefits | $1,371,000 | 5,015 |
| Premises and equipment expense | $469,000 | 4,134 |
| Additional noninterest expense | $738,000 | 5,219 |
| Pre-tax net operating income | $1,351,000 | 4,381 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $379,000 | 3,995 |
| Income before extraordinary items | $972,000 | 4,674 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $972,000 | 4,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $400,000 | 3,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $972,000 | 4,550 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,683,000 | 5,176 |
| Total interest expense | $2,840,000 | 4,932 |
| Net interest income | $2,843,000 | 5,271 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $684,000 | 4,248 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $183,000 | 5,350 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $501,000 | 3,127 |
| Total noninterest expense | $2,484,000 | 4,972 |
| Salaries and employee benefits | $1,289,000 | 5,066 |
| Premises and equipment expense | $473,000 | 4,082 |
| Additional noninterest expense | $722,000 | 5,172 |
| Pre-tax net operating income | $1,043,000 | 4,805 |
| Securities gains (losses) | $6,000 | 3,836 |
| Applicable income taxes | $285,000 | 4,374 |
| Income before extraordinary items | $764,000 | 4,994 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $764,000 | 4,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 9,119 |
| Cash dividends | $400,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $759,620 | 4,902 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,933,000 | 5,126 |
| Total interest expense | $3,174,000 | 4,714 |
| Net interest income | $2,759,000 | 5,453 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $529,000 | 4,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 5,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $370,000 | 3,525 |
| Total noninterest expense | $2,355,000 | 5,062 |
| Salaries and employee benefits | $1,218,000 | 5,163 |
| Premises and equipment expense | $448,000 | 4,149 |
| Additional noninterest expense | $689,000 | 5,232 |
| Pre-tax net operating income | $933,000 | 5,445 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $285,000 | 4,692 |
| Income before extraordinary items | $645,000 | 5,643 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $645,000 | 5,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-152,000 | 9,800 |
| Cash dividends | $480,000 | 3,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $647,070 | 5,643 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,004,000 | 5,572 |
| Total interest expense | $2,480,000 | 5,217 |
| Net interest income | $2,524,000 | 5,767 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $586,000 | 4,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 5,981 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $444,000 | 3,193 |
| Total noninterest expense | $2,221,000 | 5,294 |
| Salaries and employee benefits | $1,168,000 | 5,265 |
| Premises and equipment expense | $389,000 | 4,644 |
| Additional noninterest expense | $664,000 | 5,444 |
| Pre-tax net operating income | $889,000 | 5,638 |
| Securities gains (losses) | $-56,000 | 9,815 |
| Applicable income taxes | $252,000 | 5,180 |
| Income before extraordinary items | $581,000 | 5,987 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $581,000 | 5,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 9,667 |
| Cash dividends | $1,070,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $620,200 | 5,771 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,051,000 | 5,644 |
| Total interest expense | $2,414,000 | 5,498 |
| Net interest income | $2,637,000 | 5,640 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $556,000 | 4,633 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 5,821 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $400,000 | 3,447 |
| Total noninterest expense | $2,197,000 | 5,220 |
| Salaries and employee benefits | $1,142,000 | 5,258 |
| Premises and equipment expense | $421,000 | 4,248 |
| Additional noninterest expense | $634,000 | 5,532 |
| Pre-tax net operating income | $936,000 | 5,618 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $239,000 | 5,749 |
| Income before extraordinary items | $709,000 | 5,578 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $709,000 | 5,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,959 |
| Cash dividends | $1,320,000 | 1,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $700,000 | 5,505 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,216,000 | 5,625 |
| Total interest expense | $2,275,000 | 5,752 |
| Net interest income | $2,941,000 | 5,386 |
| Provision for loan and lease losses | $278,000 | 2,776 |
| Total noninterest income | $413,000 | 5,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 5,726 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $237,000 | 4,513 |
| Total noninterest expense | $2,205,000 | 5,282 |
| Salaries and employee benefits | $1,183,000 | 5,166 |
| Premises and equipment expense | $410,000 | 4,364 |
| Additional noninterest expense | $612,000 | 5,733 |
| Pre-tax net operating income | $871,000 | 6,250 |
| Securities gains (losses) | $-118,000 | 10,792 |
| Applicable income taxes | $217,000 | 6,654 |
| Income before extraordinary items | $536,000 | 6,764 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $536,000 | 6,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,786 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $619,780 | 6,193 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,308,000 | 5,669 |
| Total interest expense | $2,243,000 | 5,959 |
| Net interest income | $3,065,000 | 5,348 |
| Provision for loan and lease losses | $140,000 | 4,234 |
| Total noninterest income | $453,000 | 5,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $262,000 | 4,411 |
| Total noninterest expense | $2,492,000 | 5,015 |
| Salaries and employee benefits | $1,363,000 | 4,681 |
| Premises and equipment expense | $415,000 | 4,408 |
| Additional noninterest expense | $714,000 | 5,663 |
| Pre-tax net operating income | $886,000 | 6,138 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $245,000 | 6,513 |
| Income before extraordinary items | $649,000 | 5,993 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $649,000 | 5,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,285 |
| Cash dividends | $620,000 | 2,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $643,160 | 5,960 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,541,000 | 5,558 |
| Total interest expense | $2,532,000 | 5,504 |
| Net interest income | $3,009,000 | 5,485 |
| Provision for loan and lease losses | $539,000 | 1,488 |
| Total noninterest income | $464,000 | 5,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 5,323 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $243,000 | 4,558 |
| Total noninterest expense | $2,570,000 | 4,879 |
| Salaries and employee benefits | $1,394,000 | 4,575 |
| Premises and equipment expense | $449,000 | 4,121 |
| Additional noninterest expense | $727,000 | 5,676 |
| Pre-tax net operating income | $364,000 | 9,301 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $25,000 | 10,670 |
| Income before extraordinary items | $336,000 | 8,602 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $336,000 | 8,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $422,000 | 1,538 |
| Cash dividends | $470,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $338,790 | 8,552 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,082,000 | 5,611 |
| Total interest expense | $2,200,000 | 5,160 |
| Net interest income | $2,882,000 | 5,771 |
| Provision for loan and lease losses | $168,000 | 3,376 |
| Total noninterest income | $460,000 | 5,595 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,651 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $249,000 | 4,607 |
| Total noninterest expense | $2,807,000 | 4,669 |
| Salaries and employee benefits | $1,453,000 | 4,396 |
| Premises and equipment expense | $480,000 | 3,931 |
| Additional noninterest expense | $874,000 | 5,311 |
| Pre-tax net operating income | $367,000 | 9,597 |
| Securities gains (losses) | $-25,000 | 10,510 |
| Applicable income taxes | $30,000 | 10,923 |
| Income before extraordinary items | $312,000 | 9,013 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $312,000 | 9,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,304 |
| Cash dividends | $420,000 | 3,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $334,750 | 8,833 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,385,000 | 5,431 |
| Total interest expense | $2,223,000 | 5,334 |
| Net interest income | $3,162,000 | 5,421 |
| Provision for loan and lease losses | $59,000 | 7,168 |
| Total noninterest income | $512,000 | 5,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,900 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $308,000 | 4,405 |
| Total noninterest expense | $2,569,000 | 5,151 |
| Salaries and employee benefits | $1,426,000 | 4,468 |
| Premises and equipment expense | $314,000 | 5,635 |
| Additional noninterest expense | $829,000 | 5,760 |
| Pre-tax net operating income | $1,046,000 | 5,717 |
| Securities gains (losses) | $40,000 | 3,728 |
| Applicable income taxes | $219,000 | 7,275 |
| Income before extraordinary items | $867,000 | 5,229 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $867,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $480,000 | 3,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $835,000 | 5,150 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,955,000 | 5,533 |
| Total interest expense | $2,679,000 | 5,675 |
| Net interest income | $3,276,000 | 5,302 |
| Provision for loan and lease losses | $148,000 | 6,150 |
| Total noninterest income | $435,000 | 6,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 5,597 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 5,441 |
| Total noninterest expense | $2,417,000 | 5,463 |
| Salaries and employee benefits | $1,287,000 | 4,863 |
| Premises and equipment expense | $351,000 | 5,357 |
| Additional noninterest expense | $779,000 | 6,217 |
| Pre-tax net operating income | $1,146,000 | 5,109 |
| Securities gains (losses) | $31,000 | 4,927 |
| Applicable income taxes | $275,000 | 6,284 |
| Income before extraordinary items | $902,000 | 4,924 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $902,000 | 4,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 5,311 |
| Cash dividends | $440,000 | 3,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $878,130 | 4,711 |
* 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.