Home > First & Farmers Bank, Inc. > Income and Expense
First & Farmers Bank, Inc., Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,058,000 | 2,670 |
| Total interest expense | $6,304,000 | 2,884 |
| Net interest income | $8,754,000 | 2,521 |
| Provision for loan and lease losses | $420,000 | 2,620 |
| Total noninterest income | $1,548,000 | 2,650 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,113,000 | 1,608 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $435,000 | 3,567 |
| Total noninterest expense | $7,543,000 | 2,416 |
| Salaries and employee benefits | $4,417,000 | 2,283 |
| Premises and equipment expense | $711,000 | 3,403 |
| Additional noninterest expense | $2,415,000 | 2,244 |
| Pre-tax net operating income | $2,339,000 | 2,969 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $578,000 | 2,555 |
| Income before extraordinary items | $1,761,000 | 3,092 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,761,000 | 3,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,712 |
| Cash dividends | $1,250,000 | 2,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,761,000 | 3,080 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,141,000 | 2,700 |
| Total interest expense | $4,685,000 | 2,907 |
| Net interest income | $6,456,000 | 2,572 |
| Provision for loan and lease losses | $315,000 | 2,230 |
| Total noninterest income | $1,070,000 | 2,774 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $787,000 | 1,675 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $283,000 | 3,845 |
| Total noninterest expense | $5,548,000 | 2,438 |
| Salaries and employee benefits | $3,330,000 | 2,261 |
| Premises and equipment expense | $532,000 | 3,385 |
| Additional noninterest expense | $1,686,000 | 2,349 |
| Pre-tax net operating income | $1,663,000 | 3,245 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $386,000 | 2,846 |
| Income before extraordinary items | $1,277,000 | 3,328 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,277,000 | 3,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,269 |
| Cash dividends | $900,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,277,000 | 3,313 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,335,000 | 2,748 |
| Total interest expense | $3,076,000 | 2,947 |
| Net interest income | $4,259,000 | 2,618 |
| Provision for loan and lease losses | $210,000 | 2,072 |
| Total noninterest income | $700,000 | 2,832 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $514,000 | 1,715 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $186,000 | 3,917 |
| Total noninterest expense | $3,653,000 | 2,499 |
| Salaries and employee benefits | $2,202,000 | 2,310 |
| Premises and equipment expense | $353,000 | 3,421 |
| Additional noninterest expense | $1,098,000 | 2,409 |
| Pre-tax net operating income | $1,096,000 | 3,327 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $241,000 | 3,020 |
| Income before extraordinary items | $855,000 | 3,373 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $855,000 | 3,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 1,803 |
| Cash dividends | $550,000 | 2,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $855,000 | 3,352 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,633,000 | 2,764 |
| Total interest expense | $1,507,000 | 2,979 |
| Net interest income | $2,126,000 | 2,619 |
| Provision for loan and lease losses | $105,000 | 1,929 |
| Total noninterest income | $331,000 | 2,921 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $238,000 | 1,784 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $93,000 | 3,879 |
| Total noninterest expense | $1,823,000 | 2,517 |
| Salaries and employee benefits | $1,082,000 | 2,373 |
| Premises and equipment expense | $178,000 | 3,422 |
| Additional noninterest expense | $563,000 | 2,339 |
| Pre-tax net operating income | $529,000 | 3,391 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $113,000 | 3,106 |
| Income before extraordinary items | $416,000 | 3,397 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $416,000 | 3,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 1,228 |
| Cash dividends | $250,000 | 2,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $416,000 | 3,376 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,897,000 | 2,708 |
| Total interest expense | $4,803,000 | 3,134 |
| Net interest income | $9,094,000 | 2,493 |
| Provision for loan and lease losses | $480,000 | 1,962 |
| Total noninterest income | $1,313,000 | 2,950 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,009,000 | 1,738 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $304,000 | 4,266 |
| Total noninterest expense | $7,288,000 | 2,426 |
| Salaries and employee benefits | $4,222,000 | 2,330 |
| Premises and equipment expense | $671,000 | 3,449 |
| Additional noninterest expense | $2,395,000 | 2,185 |
| Pre-tax net operating income | $2,639,000 | 3,012 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $722,000 | 2,624 |
| Income before extraordinary items | $1,917,000 | 3,189 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,917,000 | 3,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 1,752 |
| Cash dividends | $1,650,000 | 1,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,917,000 | 3,173 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,252,000 | 2,737 |
| Total interest expense | $3,420,000 | 3,164 |
| Net interest income | $6,832,000 | 2,512 |
| Provision for loan and lease losses | $360,000 | 1,848 |
| Total noninterest income | $999,000 | 2,924 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $761,000 | 1,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $238,000 | 4,179 |
| Total noninterest expense | $5,484,000 | 2,414 |
| Salaries and employee benefits | $3,164,000 | 2,327 |
| Premises and equipment expense | $506,000 | 3,436 |
| Additional noninterest expense | $1,814,000 | 2,148 |
| Pre-tax net operating income | $1,987,000 | 3,123 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $523,000 | 2,799 |
| Income before extraordinary items | $1,464,000 | 3,251 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,464,000 | 3,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 1,461 |
| Cash dividends | $1,150,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,464,000 | 3,245 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,724,000 | 2,740 |
| Total interest expense | $2,140,000 | 3,211 |
| Net interest income | $4,584,000 | 2,496 |
| Provision for loan and lease losses | $240,000 | 1,809 |
| Total noninterest income | $668,000 | 2,913 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $495,000 | 1,754 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $173,000 | 4,029 |
| Total noninterest expense | $3,639,000 | 2,436 |
| Salaries and employee benefits | $2,088,000 | 2,355 |
| Premises and equipment expense | $341,000 | 3,396 |
| Additional noninterest expense | $1,210,000 | 2,149 |
| Pre-tax net operating income | $1,373,000 | 3,066 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $354,000 | 2,809 |
| Income before extraordinary items | $1,019,000 | 3,165 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,019,000 | 3,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 1,190 |
| Cash dividends | $850,000 | 1,636 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,019,000 | 3,155 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,306,000 | 2,735 |
| Total interest expense | $1,017,000 | 3,214 |
| Net interest income | $2,289,000 | 2,489 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $320,000 | 2,957 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $236,000 | 1,779 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $84,000 | 4,044 |
| Total noninterest expense | $1,805,000 | 2,457 |
| Salaries and employee benefits | $1,028,000 | 2,390 |
| Premises and equipment expense | $172,000 | 3,386 |
| Additional noninterest expense | $605,000 | 2,138 |
| Pre-tax net operating income | $684,000 | 3,013 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $172,000 | 2,826 |
| Income before extraordinary items | $512,000 | 3,104 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $512,000 | 3,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 741 |
| Cash dividends | $350,000 | 1,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $512,000 | 3,083 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,165,000 | 2,683 |
| Total interest expense | $3,152,000 | 3,192 |
| Net interest income | $9,013,000 | 2,436 |
| Provision for loan and lease losses | $752,000 | 1,334 |
| Total noninterest income | $1,146,000 | 3,237 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $794,000 | 2,120 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $352,000 | 4,011 |
| Total noninterest expense | $7,102,000 | 2,358 |
| Salaries and employee benefits | $4,128,000 | 2,220 |
| Premises and equipment expense | $669,000 | 3,357 |
| Additional noninterest expense | $2,305,000 | 2,174 |
| Pre-tax net operating income | $2,305,000 | 3,344 |
| Securities gains (losses) | $-291,000 | 8,648 |
| Applicable income taxes | $460,000 | 3,499 |
| Income before extraordinary items | $1,554,000 | 3,700 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,554,000 | 3,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 1,923 |
| Cash dividends | $965,000 | 2,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,778,070 | 3,357 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,839,000 | 2,700 |
| Total interest expense | $2,193,000 | 3,253 |
| Net interest income | $6,646,000 | 2,449 |
| Provision for loan and lease losses | $872,000 | 868 |
| Total noninterest income | $841,000 | 3,300 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $568,000 | 2,203 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $273,000 | 3,965 |
| Total noninterest expense | $5,309,000 | 2,336 |
| Salaries and employee benefits | $3,116,000 | 2,185 |
| Premises and equipment expense | $513,000 | 3,295 |
| Additional noninterest expense | $1,680,000 | 2,202 |
| Pre-tax net operating income | $1,306,000 | 4,101 |
| Securities gains (losses) | $-128,000 | 8,664 |
| Applicable income taxes | $229,000 | 4,220 |
| Income before extraordinary items | $949,000 | 4,316 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $949,000 | 4,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,033 |
| Cash dividends | $965,000 | 1,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,052,680 | 3,981 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,723,000 | 2,704 |
| Total interest expense | $1,368,000 | 3,285 |
| Net interest income | $4,355,000 | 2,465 |
| Provision for loan and lease losses | $246,000 | 1,811 |
| Total noninterest income | $535,000 | 3,363 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $346,000 | 2,332 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $189,000 | 3,861 |
| Total noninterest expense | $3,534,000 | 2,333 |
| Salaries and employee benefits | $2,087,000 | 2,169 |
| Premises and equipment expense | $340,000 | 3,273 |
| Additional noninterest expense | $1,107,000 | 2,215 |
| Pre-tax net operating income | $1,110,000 | 3,439 |
| Securities gains (losses) | $-62,000 | 8,639 |
| Applicable income taxes | $230,000 | 3,549 |
| Income before extraordinary items | $818,000 | 3,593 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $818,000 | 3,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,069 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $866,360 | 3,398 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,778,000 | 2,742 |
| Total interest expense | $652,000 | 3,292 |
| Net interest income | $2,126,000 | 2,516 |
| Provision for loan and lease losses | $85,000 | 2,331 |
| Total noninterest income | $235,000 | 3,609 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $127,000 | 2,903 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $108,000 | 3,584 |
| Total noninterest expense | $1,796,000 | 2,310 |
| Salaries and employee benefits | $1,034,000 | 2,194 |
| Premises and equipment expense | $218,000 | 2,657 |
| Additional noninterest expense | $544,000 | 2,241 |
| Pre-tax net operating income | $480,000 | 3,789 |
| Securities gains (losses) | $-12,000 | 8,571 |
| Applicable income taxes | $87,000 | 3,995 |
| Income before extraordinary items | $381,000 | 3,737 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $381,000 | 3,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 1,807 |
| Cash dividends | $250,000 | 1,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $390,720 | 3,641 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,926,000 | 2,854 |
| Total interest expense | $2,482,000 | 3,074 |
| Net interest income | $7,444,000 | 2,720 |
| Provision for loan and lease losses | $294,000 | 2,982 |
| Total noninterest income | $908,000 | 3,770 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $547,000 | 2,940 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $361,000 | 3,905 |
| Total noninterest expense | $6,738,000 | 2,375 |
| Salaries and employee benefits | $3,833,000 | 2,272 |
| Premises and equipment expense | $623,000 | 3,424 |
| Additional noninterest expense | $2,282,000 | 2,130 |
| Pre-tax net operating income | $1,320,000 | 4,554 |
| Securities gains (losses) | $7,000 | 3,010 |
| Applicable income taxes | $220,000 | 4,630 |
| Income before extraordinary items | $1,107,000 | 4,411 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,107,000 | 4,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,654 |
| Cash dividends | $1,450,000 | 1,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,101,190 | 4,363 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,145,000 | 2,926 |
| Total interest expense | $1,889,000 | 2,981 |
| Net interest income | $5,256,000 | 2,856 |
| Provision for loan and lease losses | $214,000 | 2,885 |
| Total noninterest income | $670,000 | 3,833 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $448,000 | 2,731 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $222,000 | 4,298 |
| Total noninterest expense | $4,860,000 | 2,445 |
| Salaries and employee benefits | $2,750,000 | 2,353 |
| Premises and equipment expense | $407,000 | 3,825 |
| Additional noninterest expense | $1,703,000 | 2,120 |
| Pre-tax net operating income | $852,000 | 5,022 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $118,000 | 5,155 |
| Income before extraordinary items | $736,000 | 4,830 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $736,000 | 4,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 1,784 |
| Cash dividends | $1,150,000 | 1,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $734,280 | 4,747 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,471,000 | 3,075 |
| Total interest expense | $1,225,000 | 3,031 |
| Net interest income | $3,246,000 | 3,069 |
| Provision for loan and lease losses | $95,000 | 3,576 |
| Total noninterest income | $528,000 | 3,443 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $249,000 | 3,164 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $279,000 | 3,116 |
| Total noninterest expense | $3,055,000 | 2,571 |
| Salaries and employee benefits | $1,692,000 | 2,544 |
| Premises and equipment expense | $232,000 | 4,308 |
| Additional noninterest expense | $1,131,000 | 2,136 |
| Pre-tax net operating income | $624,000 | 4,729 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $167,000 | 4,070 |
| Income before extraordinary items | $459,000 | 4,951 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $459,000 | 4,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 1,721 |
| Cash dividends | $850,000 | 1,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $457,540 | 4,877 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,956,000 | 3,450 |
| Total interest expense | $542,000 | 3,398 |
| Net interest income | $1,414,000 | 3,414 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $226,000 | 3,756 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $99,000 | 3,616 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $127,000 | 3,230 |
| Total noninterest expense | $1,263,000 | 3,070 |
| Salaries and employee benefits | $711,000 | 2,990 |
| Premises and equipment expense | $76,000 | 5,660 |
| Additional noninterest expense | $476,000 | 2,485 |
| Pre-tax net operating income | $357,000 | 4,374 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $60,000 | 4,582 |
| Income before extraordinary items | $299,000 | 4,272 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $299,000 | 4,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,919 |
| Cash dividends | $500,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $297,340 | 4,167 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,268,000 | 4,714 |
| Total interest expense | $1,679,000 | 4,555 |
| Net interest income | $3,589,000 | 4,711 |
| Provision for loan and lease losses | $80,000 | 5,625 |
| Total noninterest income | $394,000 | 5,996 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $284,000 | 4,431 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $110,000 | 6,367 |
| Total noninterest expense | $2,213,000 | 5,653 |
| Salaries and employee benefits | $1,238,000 | 5,529 |
| Premises and equipment expense | $190,000 | 6,903 |
| Additional noninterest expense | $785,000 | 5,119 |
| Pre-tax net operating income | $1,690,000 | 3,804 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $451,000 | 3,563 |
| Income before extraordinary items | $1,239,000 | 4,051 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,239,000 | 4,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,709 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,239,000 | 3,874 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,954,000 | 4,770 |
| Total interest expense | $1,289,000 | 4,602 |
| Net interest income | $2,665,000 | 4,755 |
| Provision for loan and lease losses | $60,000 | 5,499 |
| Total noninterest income | $297,000 | 6,033 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $208,000 | 4,511 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $89,000 | 6,283 |
| Total noninterest expense | $1,610,000 | 5,734 |
| Salaries and employee benefits | $897,000 | 5,609 |
| Premises and equipment expense | $138,000 | 6,995 |
| Additional noninterest expense | $575,000 | 5,166 |
| Pre-tax net operating income | $1,292,000 | 3,869 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $348,000 | 3,650 |
| Income before extraordinary items | $944,000 | 4,132 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $944,000 | 4,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,212 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $944,000 | 3,957 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,633,000 | 4,814 |
| Total interest expense | $876,000 | 4,655 |
| Net interest income | $1,757,000 | 4,790 |
| Provision for loan and lease losses | $40,000 | 5,444 |
| Total noninterest income | $207,000 | 5,916 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $136,000 | 4,529 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $71,000 | 5,964 |
| Total noninterest expense | $1,059,000 | 5,794 |
| Salaries and employee benefits | $596,000 | 5,635 |
| Premises and equipment expense | $90,000 | 7,025 |
| Additional noninterest expense | $373,000 | 5,252 |
| Pre-tax net operating income | $865,000 | 3,858 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $244,000 | 3,594 |
| Income before extraordinary items | $621,000 | 4,189 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $621,000 | 4,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,791 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $621,000 | 3,990 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,321,000 | 4,825 |
| Total interest expense | $445,000 | 4,702 |
| Net interest income | $876,000 | 4,782 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $108,000 | 5,715 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $65,000 | 4,539 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 5,547 |
| Total noninterest expense | $505,000 | 5,961 |
| Salaries and employee benefits | $297,000 | 5,656 |
| Premises and equipment expense | $43,000 | 7,175 |
| Additional noninterest expense | $165,000 | 5,630 |
| Pre-tax net operating income | $459,000 | 3,698 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $97,000 | 3,988 |
| Income before extraordinary items | $362,000 | 3,720 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $362,000 | 3,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,019 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $362,000 | 3,548 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,558,000 | 4,808 |
| Total interest expense | $2,112,000 | 4,630 |
| Net interest income | $3,446,000 | 4,802 |
| Provision for loan and lease losses | $80,000 | 6,062 |
| Total noninterest income | $391,000 | 5,832 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $274,000 | 4,450 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $117,000 | 6,114 |
| Total noninterest expense | $1,982,000 | 5,895 |
| Salaries and employee benefits | $1,121,000 | 5,742 |
| Premises and equipment expense | $244,000 | 6,223 |
| Additional noninterest expense | $617,000 | 5,822 |
| Pre-tax net operating income | $1,775,000 | 3,694 |
| Securities gains (losses) | $-31,000 | 9,037 |
| Applicable income taxes | $394,000 | 3,912 |
| Income before extraordinary items | $1,350,000 | 3,789 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,350,000 | 3,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,727 |
| Cash dividends | $1,200,000 | 1,938 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,373,870 | 3,627 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,812,000 | 5,078 |
| Total interest expense | $2,827,000 | 4,949 |
| Net interest income | $2,985,000 | 5,095 |
| Provision for loan and lease losses | $80,000 | 5,977 |
| Total noninterest income | $358,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $245,000 | 4,685 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $113,000 | 6,139 |
| Total noninterest expense | $1,896,000 | 5,942 |
| Salaries and employee benefits | $1,042,000 | 5,846 |
| Premises and equipment expense | $174,000 | 7,155 |
| Additional noninterest expense | $680,000 | 5,395 |
| Pre-tax net operating income | $1,367,000 | 4,101 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $315,000 | 4,170 |
| Income before extraordinary items | $1,052,000 | 4,141 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,052,000 | 4,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,750 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,052,000 | 4,033 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,648,000 | 5,300 |
| Total interest expense | $2,824,000 | 5,149 |
| Net interest income | $2,824,000 | 5,374 |
| Provision for loan and lease losses | $80,000 | 5,752 |
| Total noninterest income | $353,000 | 5,865 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 4,674 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,051 |
| Total noninterest expense | $1,824,000 | 6,011 |
| Salaries and employee benefits | $994,000 | 5,940 |
| Premises and equipment expense | $152,000 | 7,569 |
| Additional noninterest expense | $678,000 | 5,305 |
| Pre-tax net operating income | $1,273,000 | 4,559 |
| Securities gains (losses) | $-12,000 | 8,439 |
| Applicable income taxes | $286,000 | 4,681 |
| Income before extraordinary items | $975,000 | 4,457 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $975,000 | 4,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,922 |
| Cash dividends | $900,000 | 2,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $984,240 | 4,427 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,326,000 | 5,349 |
| Total interest expense | $2,634,000 | 5,050 |
| Net interest income | $2,692,000 | 5,544 |
| Provision for loan and lease losses | $80,000 | 5,643 |
| Total noninterest income | $312,000 | 6,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 4,854 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 6,849 |
| Total noninterest expense | $1,714,000 | 6,265 |
| Salaries and employee benefits | $877,000 | 6,415 |
| Premises and equipment expense | $170,000 | 7,325 |
| Additional noninterest expense | $667,000 | 5,430 |
| Pre-tax net operating income | $1,210,000 | 4,740 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $288,000 | 4,908 |
| Income before extraordinary items | $922,000 | 4,677 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $922,000 | 4,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,310 |
| Cash dividends | $900,000 | 2,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $922,000 | 4,637 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,180,000 | 5,543 |
| Total interest expense | $2,639,000 | 5,182 |
| Net interest income | $2,541,000 | 5,789 |
| Provision for loan and lease losses | $80,000 | 5,577 |
| Total noninterest income | $277,000 | 6,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 4,853 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 7,951 |
| Total noninterest expense | $1,723,000 | 6,176 |
| Salaries and employee benefits | $890,000 | 6,256 |
| Premises and equipment expense | $167,000 | 7,299 |
| Additional noninterest expense | $666,000 | 5,358 |
| Pre-tax net operating income | $1,015,000 | 5,365 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $234,000 | 5,789 |
| Income before extraordinary items | $786,000 | 5,246 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $786,000 | 5,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,253 |
| Cash dividends | $750,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $782,150 | 5,160 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,116,000 | 5,697 |
| Total interest expense | $2,606,000 | 5,252 |
| Net interest income | $2,510,000 | 6,044 |
| Provision for loan and lease losses | $131,000 | 4,433 |
| Total noninterest income | $243,000 | 7,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 5,538 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 8,171 |
| Total noninterest expense | $1,577,000 | 6,586 |
| Salaries and employee benefits | $813,000 | 6,717 |
| Premises and equipment expense | $139,000 | 8,048 |
| Additional noninterest expense | $625,000 | 5,653 |
| Pre-tax net operating income | $1,045,000 | 5,701 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $245,000 | 6,308 |
| Income before extraordinary items | $804,000 | 5,438 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $804,000 | 5,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,638 |
| Cash dividends | $710,000 | 2,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $800,920 | 5,410 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,933,000 | 5,998 |
| Total interest expense | $2,615,000 | 5,338 |
| Net interest income | $2,318,000 | 6,532 |
| Provision for loan and lease losses | $80,000 | 5,594 |
| Total noninterest income | $195,000 | 8,302 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 6,483 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,071 |
| Total noninterest expense | $1,445,000 | 7,269 |
| Salaries and employee benefits | $752,000 | 7,242 |
| Premises and equipment expense | $104,000 | 9,176 |
| Additional noninterest expense | $589,000 | 6,421 |
| Pre-tax net operating income | $988,000 | 5,779 |
| Securities gains (losses) | $12,000 | 2,365 |
| Applicable income taxes | $242,000 | 6,559 |
| Income before extraordinary items | $758,000 | 5,479 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $758,000 | 5,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $1,140,000 | 1,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $748,880 | 5,479 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,695,000 | 6,243 |
| Total interest expense | $2,594,000 | 5,403 |
| Net interest income | $2,101,000 | 7,081 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $175,000 | 8,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 7,225 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,186 |
| Total noninterest expense | $1,439,000 | 7,463 |
| Salaries and employee benefits | $715,000 | 7,625 |
| Premises and equipment expense | $90,000 | 9,917 |
| Additional noninterest expense | $634,000 | 6,308 |
| Pre-tax net operating income | $767,000 | 6,972 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $167,000 | 7,980 |
| Income before extraordinary items | $600,000 | 6,613 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $600,000 | 6,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,954 |
| Cash dividends | $810,000 | 2,391 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $600,000 | 6,606 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,042,000 | 6,647 |
| Total interest expense | $1,934,000 | 5,758 |
| Net interest income | $2,108,000 | 7,306 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $174,000 | 9,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,881 |
| Total noninterest expense | $1,461,000 | 7,723 |
| Salaries and employee benefits | $663,000 | 8,169 |
| Premises and equipment expense | $92,000 | 10,281 |
| Additional noninterest expense | $706,000 | 6,272 |
| Pre-tax net operating income | $781,000 | 6,964 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $238,000 | 6,717 |
| Income before extraordinary items | $543,000 | 6,979 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $543,000 | 6,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,455 |
| Cash dividends | $380,000 | 3,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $543,000 | 7,028 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,871,000 | 7,031 |
| Total interest expense | $2,184,000 | 5,412 |
| Net interest income | $1,687,000 | 8,527 |
| Provision for loan and lease losses | $5,000 | 10,098 |
| Total noninterest income | $122,000 | 10,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,849 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 10,863 |
| Total noninterest expense | $1,346,000 | 8,349 |
| Salaries and employee benefits | $608,000 | 8,735 |
| Premises and equipment expense | $77,000 | 11,269 |
| Additional noninterest expense | $661,000 | 6,859 |
| Pre-tax net operating income | $458,000 | 8,954 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $106,000 | 9,601 |
| Income before extraordinary items | $352,000 | 8,913 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $352,000 | 9,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 7,509 |
| Cash dividends | $3,342,000 | 653 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $352,000 | 8,659 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,655,000 | 6,722 |
| Total interest expense | $2,591,000 | 5,810 |
| Net interest income | $2,064,000 | 7,587 |
| Provision for loan and lease losses | $81,000 | 7,858 |
| Total noninterest income | $38,000 | 13,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 11,362 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $1,074,000 | 9,647 |
| Salaries and employee benefits | $498,000 | 9,802 |
| Premises and equipment expense | $77,000 | 11,610 |
| Additional noninterest expense | $499,000 | 8,472 |
| Pre-tax net operating income | $947,000 | 5,875 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $227,000 | 7,050 |
| Income before extraordinary items | $720,000 | 5,799 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $720,000 | 5,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 7,390 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $720,000 | 5,463 |
* 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.