Home > First Bank and Trust > Income and Expense
First Bank and Trust, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,220,000 | 6,115 |
| Total interest expense | $1,366,000 | 6,064 |
| Net interest income | $1,854,000 | 6,041 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $285,000 | 5,640 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $140,000 | 5,063 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $145,000 | 5,158 |
| Total noninterest expense | $1,549,000 | 6,128 |
| Salaries and employee benefits | $897,000 | 5,979 |
| Premises and equipment expense | $299,000 | 5,031 |
| Additional noninterest expense | $353,000 | 6,704 |
| Pre-tax net operating income | $590,000 | 5,476 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $27,000 | 5,314 |
| Income before extraordinary items | $563,000 | 5,142 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $563,000 | 5,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,768 |
| Cash dividends | $500,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $563,000 | 5,132 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,117,000 | 6,174 |
| Total interest expense | $900,000 | 6,102 |
| Net interest income | $1,217,000 | 6,124 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $196,000 | 5,615 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $86,000 | 5,219 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $110,000 | 4,949 |
| Total noninterest expense | $1,011,000 | 6,230 |
| Salaries and employee benefits | $574,000 | 6,148 |
| Premises and equipment expense | $192,000 | 5,156 |
| Additional noninterest expense | $245,000 | 6,637 |
| Pre-tax net operating income | $402,000 | 5,512 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $19,000 | 5,371 |
| Income before extraordinary items | $383,000 | 5,162 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $383,000 | 5,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,059 |
| Cash dividends | $450,000 | 2,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $383,000 | 5,151 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,021,000 | 6,276 |
| Total interest expense | $423,000 | 6,266 |
| Net interest income | $598,000 | 6,170 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $112,000 | 5,295 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $37,000 | 5,442 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $75,000 | 4,329 |
| Total noninterest expense | $543,000 | 6,056 |
| Salaries and employee benefits | $308,000 | 5,961 |
| Premises and equipment expense | $97,000 | 5,145 |
| Additional noninterest expense | $138,000 | 6,346 |
| Pre-tax net operating income | $167,000 | 5,853 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $3,000 | 5,852 |
| Income before extraordinary items | $164,000 | 5,472 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $164,000 | 5,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $200,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $164,000 | 5,455 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,969,000 | 6,145 |
| Total interest expense | $1,488,000 | 6,135 |
| Net interest income | $2,481,000 | 6,052 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $315,000 | 6,075 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $145,000 | 5,588 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $170,000 | 5,407 |
| Total noninterest expense | $2,117,000 | 5,996 |
| Salaries and employee benefits | $1,211,000 | 5,881 |
| Premises and equipment expense | $444,000 | 4,606 |
| Additional noninterest expense | $462,000 | 6,722 |
| Pre-tax net operating income | $679,000 | 5,971 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $34,000 | 5,690 |
| Income before extraordinary items | $645,000 | 5,670 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $645,000 | 5,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $500,000 | 3,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $645,000 | 5,653 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,911,000 | 6,217 |
| Total interest expense | $1,045,000 | 6,228 |
| Net interest income | $1,866,000 | 6,103 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $231,000 | 6,185 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $106,000 | 5,698 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $125,000 | 5,458 |
| Total noninterest expense | $1,599,000 | 5,953 |
| Salaries and employee benefits | $917,000 | 5,819 |
| Premises and equipment expense | $328,000 | 4,650 |
| Additional noninterest expense | $354,000 | 6,669 |
| Pre-tax net operating income | $498,000 | 6,226 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $25,000 | 5,863 |
| Income before extraordinary items | $473,000 | 5,882 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $473,000 | 5,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $450,000 | 3,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $473,000 | 5,885 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,936,000 | 6,201 |
| Total interest expense | $674,000 | 6,218 |
| Net interest income | $1,262,000 | 6,088 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $163,000 | 6,079 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $71,000 | 5,690 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $92,000 | 5,303 |
| Total noninterest expense | $1,066,000 | 5,976 |
| Salaries and employee benefits | $612,000 | 5,849 |
| Premises and equipment expense | $222,000 | 4,617 |
| Additional noninterest expense | $232,000 | 6,757 |
| Pre-tax net operating income | $359,000 | 6,105 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $16,000 | 5,921 |
| Income before extraordinary items | $343,000 | 5,726 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $343,000 | 5,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $400,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $343,000 | 5,725 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $945,000 | 6,237 |
| Total interest expense | $318,000 | 6,262 |
| Net interest income | $627,000 | 6,116 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $86,000 | 5,923 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $36,000 | 5,597 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $50,000 | 5,119 |
| Total noninterest expense | $544,000 | 5,929 |
| Salaries and employee benefits | $305,000 | 5,876 |
| Premises and equipment expense | $111,000 | 4,639 |
| Additional noninterest expense | $128,000 | 6,492 |
| Pre-tax net operating income | $169,000 | 6,180 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $8,000 | 5,862 |
| Income before extraordinary items | $161,000 | 5,796 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $161,000 | 5,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $161,000 | 5,792 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,523,000 | 6,166 |
| Total interest expense | $966,000 | 6,364 |
| Net interest income | $2,557,000 | 5,983 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $263,000 | 6,579 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $131,000 | 5,865 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $132,000 | 5,948 |
| Total noninterest expense | $2,033,000 | 6,060 |
| Salaries and employee benefits | $1,218,000 | 5,749 |
| Premises and equipment expense | $315,000 | 5,589 |
| Additional noninterest expense | $500,000 | 6,581 |
| Pre-tax net operating income | $787,000 | 5,914 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $45,000 | 5,931 |
| Income before extraordinary items | $741,000 | 5,539 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $741,000 | 5,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $620,000 | 3,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $741,940 | 5,503 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,586,000 | 6,216 |
| Total interest expense | $673,000 | 6,462 |
| Net interest income | $1,913,000 | 6,020 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $191,000 | 6,676 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $95,000 | 5,958 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $96,000 | 6,008 |
| Total noninterest expense | $1,568,000 | 5,915 |
| Salaries and employee benefits | $937,000 | 5,642 |
| Premises and equipment expense | $243,000 | 5,522 |
| Additional noninterest expense | $388,000 | 6,445 |
| Pre-tax net operating income | $536,000 | 6,257 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $42,000 | 5,906 |
| Income before extraordinary items | $493,000 | 5,926 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $493,000 | 5,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $570,000 | 2,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $493,920 | 5,887 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,684,000 | 6,233 |
| Total interest expense | $407,000 | 6,567 |
| Net interest income | $1,277,000 | 5,994 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $129,000 | 6,618 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $59,000 | 6,042 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $70,000 | 5,870 |
| Total noninterest expense | $1,024,000 | 5,994 |
| Salaries and employee benefits | $614,000 | 5,683 |
| Premises and equipment expense | $162,000 | 5,492 |
| Additional noninterest expense | $248,000 | 6,559 |
| Pre-tax net operating income | $382,000 | 6,091 |
| Securities gains (losses) | $-1,000 | 7,609 |
| Applicable income taxes | $33,000 | 5,805 |
| Income before extraordinary items | $348,000 | 5,798 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $348,000 | 5,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,257 |
| Cash dividends | $570,000 | 2,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $348,910 | 5,751 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $820,000 | 6,318 |
| Total interest expense | $174,000 | 6,869 |
| Net interest income | $646,000 | 5,993 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $70,000 | 6,425 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $26,000 | 6,203 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $44,000 | 5,463 |
| Total noninterest expense | $490,000 | 6,184 |
| Salaries and employee benefits | $299,000 | 5,793 |
| Premises and equipment expense | $81,000 | 5,528 |
| Additional noninterest expense | $110,000 | 6,903 |
| Pre-tax net operating income | $226,000 | 5,685 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $21,000 | 5,628 |
| Income before extraordinary items | $205,000 | 5,351 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $205,000 | 5,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $350,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $205,000 | 5,322 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,345,000 | 6,102 |
| Total interest expense | $505,000 | 7,286 |
| Net interest income | $2,840,000 | 5,592 |
| Provision for loan and lease losses | $31,000 | 6,405 |
| Total noninterest income | $279,000 | 6,561 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $127,000 | 6,082 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $152,000 | 5,659 |
| Total noninterest expense | $1,879,000 | 6,224 |
| Salaries and employee benefits | $1,151,000 | 5,828 |
| Premises and equipment expense | $252,000 | 6,168 |
| Additional noninterest expense | $476,000 | 6,693 |
| Pre-tax net operating income | $1,209,000 | 4,777 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $61,000 | 5,913 |
| Income before extraordinary items | $1,148,000 | 4,318 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,148,000 | 4,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,562 |
| Cash dividends | $1,230,000 | 2,004 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,148,000 | 4,244 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,499,000 | 6,107 |
| Total interest expense | $360,000 | 7,403 |
| Net interest income | $2,139,000 | 5,566 |
| Provision for loan and lease losses | $31,000 | 5,966 |
| Total noninterest income | $211,000 | 6,579 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $95,000 | 6,138 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $116,000 | 5,640 |
| Total noninterest expense | $1,397,000 | 6,211 |
| Salaries and employee benefits | $869,000 | 5,762 |
| Premises and equipment expense | $181,000 | 6,265 |
| Additional noninterest expense | $347,000 | 6,745 |
| Pre-tax net operating income | $922,000 | 4,809 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $47,000 | 6,002 |
| Income before extraordinary items | $875,000 | 4,355 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $875,000 | 4,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,314 |
| Cash dividends | $810,000 | 1,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $875,000 | 4,282 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,683,000 | 6,105 |
| Total interest expense | $239,000 | 7,474 |
| Net interest income | $1,444,000 | 5,516 |
| Provision for loan and lease losses | $31,000 | 5,281 |
| Total noninterest income | $149,000 | 6,474 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $68,000 | 6,033 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $81,000 | 5,579 |
| Total noninterest expense | $939,000 | 6,219 |
| Salaries and employee benefits | $576,000 | 5,815 |
| Premises and equipment expense | $121,000 | 6,294 |
| Additional noninterest expense | $242,000 | 6,633 |
| Pre-tax net operating income | $623,000 | 4,735 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $29,000 | 6,064 |
| Income before extraordinary items | $594,000 | 4,275 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $594,000 | 4,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,353 |
| Cash dividends | $690,000 | 1,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $594,000 | 4,192 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $813,000 | 6,219 |
| Total interest expense | $122,000 | 7,488 |
| Net interest income | $691,000 | 5,680 |
| Provision for loan and lease losses | $31,000 | 4,037 |
| Total noninterest income | $82,000 | 6,234 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $31,000 | 6,143 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $51,000 | 5,085 |
| Total noninterest expense | $471,000 | 6,248 |
| Salaries and employee benefits | $287,000 | 5,859 |
| Premises and equipment expense | $59,000 | 6,355 |
| Additional noninterest expense | $125,000 | 6,555 |
| Pre-tax net operating income | $271,000 | 5,070 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $12,000 | 6,136 |
| Income before extraordinary items | $259,000 | 4,652 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $259,000 | 4,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $450,000 | 1,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $259,000 | 4,524 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,459,000 | 6,074 |
| Total interest expense | $737,000 | 6,912 |
| Net interest income | $2,722,000 | 5,613 |
| Provision for loan and lease losses | $84,000 | 5,577 |
| Total noninterest income | $394,000 | 5,996 |
| Gross Fiduciary activities income | $4,000 | 1,466 |
| Service charges on deposit accounts | $143,000 | 5,948 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $247,000 | 4,876 |
| Total noninterest expense | $1,828,000 | 6,308 |
| Salaries and employee benefits | $1,123,000 | 5,861 |
| Premises and equipment expense | $240,000 | 6,296 |
| Additional noninterest expense | $465,000 | 6,755 |
| Pre-tax net operating income | $1,204,000 | 4,679 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $37,000 | 6,479 |
| Income before extraordinary items | $1,167,000 | 4,213 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,167,000 | 4,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,477 |
| Cash dividends | $1,480,000 | 1,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,167,000 | 4,042 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,661,000 | 6,073 |
| Total interest expense | $592,000 | 6,882 |
| Net interest income | $2,069,000 | 5,614 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $325,000 | 5,852 |
| Gross Fiduciary activities income | $3,000 | 1,448 |
| Service charges on deposit accounts | $111,000 | 5,932 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $211,000 | 4,688 |
| Total noninterest expense | $1,366,000 | 6,272 |
| Salaries and employee benefits | $838,000 | 5,856 |
| Premises and equipment expense | $175,000 | 6,385 |
| Additional noninterest expense | $353,000 | 6,693 |
| Pre-tax net operating income | $1,019,000 | 4,498 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $52,000 | 6,175 |
| Income before extraordinary items | $967,000 | 4,062 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $967,000 | 4,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,773 |
| Cash dividends | $1,060,000 | 1,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $967,000 | 3,895 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,795,000 | 6,073 |
| Total interest expense | $425,000 | 6,813 |
| Net interest income | $1,370,000 | 5,621 |
| Provision for loan and lease losses | $9,000 | 6,877 |
| Total noninterest income | $220,000 | 5,791 |
| Gross Fiduciary activities income | $2,000 | 1,432 |
| Service charges on deposit accounts | $74,000 | 5,920 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $144,000 | 4,641 |
| Total noninterest expense | $920,000 | 6,257 |
| Salaries and employee benefits | $555,000 | 5,874 |
| Premises and equipment expense | $111,000 | 6,499 |
| Additional noninterest expense | $254,000 | 6,484 |
| Pre-tax net operating income | $661,000 | 4,584 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $34,000 | 6,245 |
| Income before extraordinary items | $627,000 | 4,162 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $627,000 | 4,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,754 |
| Cash dividends | $940,000 | 1,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $627,000 | 3,970 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $912,000 | 6,057 |
| Total interest expense | $218,000 | 6,841 |
| Net interest income | $694,000 | 5,574 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $110,000 | 5,671 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $75,000 | 4,475 |
| Total noninterest expense | $456,000 | 6,306 |
| Salaries and employee benefits | $268,000 | 6,005 |
| Premises and equipment expense | $63,000 | 6,146 |
| Additional noninterest expense | $125,000 | 6,520 |
| Pre-tax net operating income | $348,000 | 4,413 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $16,000 | 6,250 |
| Income before extraordinary items | $332,000 | 3,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $332,000 | 3,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,300 |
| Cash dividends | $820,000 | 810 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $332,000 | 3,774 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,905,000 | 5,985 |
| Total interest expense | $1,031,000 | 6,853 |
| Net interest income | $2,874,000 | 5,415 |
| Provision for loan and lease losses | $251,000 | 3,851 |
| Total noninterest income | $408,000 | 5,731 |
| Gross Fiduciary activities income | $4,000 | 1,538 |
| Service charges on deposit accounts | $170,000 | 5,598 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $234,000 | 4,713 |
| Total noninterest expense | $1,864,000 | 6,124 |
| Salaries and employee benefits | $1,108,000 | 5,784 |
| Premises and equipment expense | $224,000 | 6,471 |
| Additional noninterest expense | $532,000 | 6,329 |
| Pre-tax net operating income | $1,167,000 | 4,793 |
| Securities gains (losses) | $-3,000 | 8,756 |
| Applicable income taxes | $61,000 | 6,388 |
| Income before extraordinary items | $1,103,000 | 4,315 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,103,000 | 4,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,922 |
| Cash dividends | $1,090,000 | 2,092 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,105,850 | 4,200 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,225,000 | 6,179 |
| Total interest expense | $1,815,000 | 6,396 |
| Net interest income | $2,410,000 | 5,841 |
| Provision for loan and lease losses | $38,000 | 7,009 |
| Total noninterest income | $319,000 | 6,250 |
| Gross Fiduciary activities income | $4,000 | 1,566 |
| Service charges on deposit accounts | $128,000 | 6,115 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $187,000 | 5,069 |
| Total noninterest expense | $1,825,000 | 6,078 |
| Salaries and employee benefits | $1,108,000 | 5,627 |
| Premises and equipment expense | $223,000 | 6,461 |
| Additional noninterest expense | $494,000 | 6,479 |
| Pre-tax net operating income | $866,000 | 5,297 |
| Securities gains (losses) | $81,000 | 1,924 |
| Applicable income taxes | $52,000 | 6,676 |
| Income before extraordinary items | $895,000 | 4,584 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $895,000 | 4,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 9,370 |
| Cash dividends | $640,000 | 3,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $818,050 | 4,695 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,203,000 | 6,327 |
| Total interest expense | $2,064,000 | 6,177 |
| Net interest income | $2,139,000 | 6,368 |
| Provision for loan and lease losses | $50,000 | 6,512 |
| Total noninterest income | $270,000 | 6,568 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 6,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,596 |
| Total noninterest expense | $1,678,000 | 6,311 |
| Salaries and employee benefits | $1,073,000 | 5,651 |
| Premises and equipment expense | $213,000 | 6,566 |
| Additional noninterest expense | $392,000 | 7,208 |
| Pre-tax net operating income | $681,000 | 6,302 |
| Securities gains (losses) | $-33,000 | 8,995 |
| Applicable income taxes | $162,000 | 5,786 |
| Income before extraordinary items | $486,000 | 6,397 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $486,000 | 6,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,069 |
| Cash dividends | $310,000 | 4,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $510,750 | 6,281 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,785,000 | 6,539 |
| Total interest expense | $1,589,000 | 6,752 |
| Net interest income | $2,196,000 | 6,285 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $241,000 | 7,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 6,468 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 6,013 |
| Total noninterest expense | $1,627,000 | 6,466 |
| Salaries and employee benefits | $1,002,000 | 5,876 |
| Premises and equipment expense | $224,000 | 6,435 |
| Additional noninterest expense | $401,000 | 7,262 |
| Pre-tax net operating income | $810,000 | 5,887 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $294,000 | 4,860 |
| Income before extraordinary items | $516,000 | 6,321 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $516,000 | 6,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 2,487 |
| Cash dividends | $310,000 | 4,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $516,000 | 6,303 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,922,000 | 6,544 |
| Total interest expense | $1,724,000 | 6,719 |
| Net interest income | $2,198,000 | 6,295 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $275,000 | 6,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,481 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 5,579 |
| Total noninterest expense | $1,614,000 | 6,411 |
| Salaries and employee benefits | $971,000 | 5,890 |
| Premises and equipment expense | $265,000 | 5,763 |
| Additional noninterest expense | $378,000 | 7,405 |
| Pre-tax net operating income | $859,000 | 5,875 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $291,000 | 5,247 |
| Income before extraordinary items | $568,000 | 6,220 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $568,000 | 6,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,253 |
| Cash dividends | $500,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $568,000 | 6,104 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,874,000 | 6,771 |
| Total interest expense | $1,644,000 | 7,016 |
| Net interest income | $2,230,000 | 6,475 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $177,000 | 8,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,811 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,059 |
| Total noninterest expense | $1,499,000 | 6,782 |
| Salaries and employee benefits | $941,000 | 6,103 |
| Premises and equipment expense | $157,000 | 7,652 |
| Additional noninterest expense | $401,000 | 7,347 |
| Pre-tax net operating income | $858,000 | 6,294 |
| Securities gains (losses) | $13,000 | 2,177 |
| Applicable income taxes | $333,000 | 5,448 |
| Income before extraordinary items | $540,000 | 6,736 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $540,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 10,577 |
| Cash dividends | $650,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $531,680 | 6,735 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,703,000 | 7,149 |
| Total interest expense | $1,535,000 | 7,480 |
| Net interest income | $2,168,000 | 6,824 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $169,000 | 8,704 |
| 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 | $57,000 | 8,577 |
| Total noninterest expense | $1,370,000 | 7,465 |
| Salaries and employee benefits | $852,000 | 6,700 |
| Premises and equipment expense | $133,000 | 8,447 |
| Additional noninterest expense | $385,000 | 8,005 |
| Pre-tax net operating income | $967,000 | 5,856 |
| Securities gains (losses) | $-8,000 | 10,177 |
| Applicable income taxes | $349,000 | 5,337 |
| Income before extraordinary items | $610,000 | 6,213 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $610,000 | 6,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,733 |
| Cash dividends | $250,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $615,120 | 6,120 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,470,000 | 7,601 |
| Total interest expense | $1,500,000 | 7,707 |
| Net interest income | $1,970,000 | 7,380 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $164,000 | 9,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 7,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,130 |
| Total noninterest expense | $1,301,000 | 7,860 |
| Salaries and employee benefits | $791,000 | 7,151 |
| Premises and equipment expense | $137,000 | 8,597 |
| Additional noninterest expense | $373,000 | 8,468 |
| Pre-tax net operating income | $833,000 | 6,710 |
| Securities gains (losses) | $-32,000 | 10,879 |
| Applicable income taxes | $285,000 | 6,195 |
| Income before extraordinary items | $516,000 | 7,130 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $516,000 | 7,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,954 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $536,480 | 6,970 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,048,000 | 7,960 |
| Total interest expense | $1,016,000 | 8,623 |
| Net interest income | $2,032,000 | 7,491 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $194,000 | 8,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 7,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 9,362 |
| Total noninterest expense | $1,298,000 | 8,251 |
| Salaries and employee benefits | $751,000 | 7,519 |
| Premises and equipment expense | $148,000 | 8,603 |
| Additional noninterest expense | $399,000 | 8,840 |
| Pre-tax net operating income | $928,000 | 6,270 |
| Securities gains (losses) | $-27,000 | 10,567 |
| Applicable income taxes | $312,000 | 5,729 |
| Income before extraordinary items | $589,000 | 6,625 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $589,000 | 6,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $150,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $606,550 | 6,546 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,230,000 | 7,962 |
| Total interest expense | $1,150,000 | 8,483 |
| Net interest income | $2,080,000 | 7,456 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $181,000 | 9,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,262 |
| Total noninterest expense | $1,194,000 | 8,916 |
| Salaries and employee benefits | $694,000 | 8,035 |
| Premises and equipment expense | $131,000 | 9,437 |
| Additional noninterest expense | $369,000 | 9,615 |
| Pre-tax net operating income | $1,067,000 | 5,626 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $376,000 | 5,226 |
| Income before extraordinary items | $691,000 | 6,174 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $691,000 | 6,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 12,362 |
| Cash dividends | $125,000 | 6,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $691,000 | 5,903 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,242,000 | 8,575 |
| Total interest expense | $1,374,000 | 8,946 |
| Net interest income | $1,868,000 | 8,139 |
| Provision for loan and lease losses | $100,000 | 7,236 |
| Total noninterest income | $171,000 | 10,010 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,968 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 10,289 |
| Total noninterest expense | $1,136,000 | 9,343 |
| Salaries and employee benefits | $659,000 | 8,315 |
| Premises and equipment expense | $132,000 | 9,627 |
| Additional noninterest expense | $345,000 | 10,262 |
| Pre-tax net operating income | $803,000 | 6,548 |
| Securities gains (losses) | $95,000 | 3,090 |
| Applicable income taxes | $325,000 | 5,633 |
| Income before extraordinary items | $573,000 | 6,756 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $573,000 | 6,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 12,871 |
| Cash dividends | $125,000 | 6,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $512,200 | 6,850 |
* 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.