Home > First Federal Bank > Income and Expense
First Federal Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,809,000 | 2,108 |
| Total interest expense | $2,689,000 | 1,748 |
| Net interest income | $2,120,000 | 2,574 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $252,000 | 3,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $252,000 | 2,215 |
| Total noninterest expense | $1,650,000 | 2,803 |
| Salaries and employee benefits | $630,000 | 3,829 |
| Premises and equipment expense | $359,000 | 1,893 |
| Additional noninterest expense | $661,000 | 2,118 |
| Pre-tax net operating income | $722,000 | 2,355 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $121,000 | 2,572 |
| Income before extraordinary items | $601,000 | 2,311 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $601,000 | 2,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,367 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $9,524,000 | 49 |
| Net operating income | $601,000 | 2,237 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,352,000 | 2,059 |
| Total interest expense | $11,223,000 | 1,779 |
| Net interest income | $9,129,000 | 2,422 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,571,000 | 2,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,571,000 | 1,623 |
| Total noninterest expense | $6,685,000 | 2,700 |
| Salaries and employee benefits | $3,384,000 | 2,906 |
| Premises and equipment expense | $1,184,000 | 2,192 |
| Additional noninterest expense | $2,117,000 | 2,529 |
| Pre-tax net operating income | $4,015,000 | 1,981 |
| Securities gains (losses) | $51,000 | 784 |
| Applicable income taxes | $71,000 | 4,715 |
| Income before extraordinary items | $3,995,000 | 1,598 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,995,000 | 1,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,837 |
| Cash dividends | $1,500,000 | 1,987 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 918 |
| Net operating income | $3,945,020 | 1,605 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,325,000 | 2,059 |
| Total interest expense | $8,469,000 | 1,770 |
| Net interest income | $6,856,000 | 2,438 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $1,118,000 | 2,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,118,000 | 1,676 |
| Total noninterest expense | $4,871,000 | 2,727 |
| Salaries and employee benefits | $2,516,000 | 2,901 |
| Premises and equipment expense | $874,000 | 2,210 |
| Additional noninterest expense | $1,481,000 | 2,644 |
| Pre-tax net operating income | $3,103,000 | 2,042 |
| Securities gains (losses) | $-177,000 | 8,370 |
| Applicable income taxes | $71,000 | 4,709 |
| Income before extraordinary items | $2,855,000 | 1,768 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,855,000 | 1,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,703 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 741 |
| Net operating income | $3,028,460 | 1,659 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,027,000 | 2,105 |
| Total interest expense | $5,649,000 | 1,767 |
| Net interest income | $4,378,000 | 2,547 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $679,000 | 2,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $679,000 | 1,818 |
| Total noninterest expense | $3,226,000 | 2,780 |
| Salaries and employee benefits | $1,792,000 | 2,764 |
| Premises and equipment expense | $535,000 | 2,410 |
| Additional noninterest expense | $899,000 | 2,886 |
| Pre-tax net operating income | $1,831,000 | 2,311 |
| Securities gains (losses) | $-177,000 | 8,461 |
| Applicable income taxes | $71,000 | 4,465 |
| Income before extraordinary items | $1,583,000 | 2,121 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,583,000 | 2,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,211 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 598 |
| Net operating income | $1,752,920 | 1,943 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,677,000 | 2,228 |
| Total interest expense | $2,919,000 | 1,703 |
| Net interest income | $1,758,000 | 3,108 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $315,000 | 3,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $315,000 | 1,886 |
| Total noninterest expense | $1,691,000 | 2,687 |
| Salaries and employee benefits | $950,000 | 2,669 |
| Premises and equipment expense | $293,000 | 2,231 |
| Additional noninterest expense | $448,000 | 2,867 |
| Pre-tax net operating income | $382,000 | 4,108 |
| Securities gains (losses) | $-177,000 | 8,580 |
| Applicable income taxes | $71,000 | 3,732 |
| Income before extraordinary items | $134,000 | 5,876 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $134,000 | 5,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 526 |
| Net operating income | $249,050 | 4,554 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,694,000 | 2,205 |
| Total interest expense | $10,682,000 | 1,583 |
| Net interest income | $7,012,000 | 3,101 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,409,000 | 2,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,409,000 | 1,742 |
| Total noninterest expense | $7,255,000 | 2,435 |
| Salaries and employee benefits | $4,492,000 | 2,177 |
| Premises and equipment expense | $1,177,000 | 2,104 |
| Additional noninterest expense | $1,586,000 | 3,148 |
| Pre-tax net operating income | $1,166,000 | 4,847 |
| Securities gains (losses) | $12,000 | 1,037 |
| Applicable income taxes | $439,000 | 3,317 |
| Income before extraordinary items | $739,000 | 5,385 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $739,000 | 5,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,282 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $422,000 | 630 |
| Net operating income | $731,320 | 5,403 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,191,000 | 2,215 |
| Total interest expense | $7,856,000 | 1,556 |
| Net interest income | $5,335,000 | 3,087 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,056,000 | 2,821 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,056,000 | 1,750 |
| Total noninterest expense | $5,469,000 | 2,419 |
| Salaries and employee benefits | $3,367,000 | 2,178 |
| Premises and equipment expense | $891,000 | 2,111 |
| Additional noninterest expense | $1,211,000 | 3,104 |
| Pre-tax net operating income | $922,000 | 4,900 |
| Securities gains (losses) | $12,000 | 854 |
| Applicable income taxes | $343,000 | 3,397 |
| Income before extraordinary items | $591,000 | 5,394 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $591,000 | 5,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,430 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $257,000 | 549 |
| Net operating income | $583,320 | 5,418 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,710,000 | 2,204 |
| Total interest expense | $5,112,000 | 1,522 |
| Net interest income | $3,598,000 | 3,064 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $685,000 | 2,863 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $685,000 | 1,792 |
| Total noninterest expense | $3,727,000 | 2,368 |
| Salaries and employee benefits | $2,296,000 | 2,141 |
| Premises and equipment expense | $607,000 | 2,066 |
| Additional noninterest expense | $824,000 | 3,059 |
| Pre-tax net operating income | $556,000 | 5,173 |
| Securities gains (losses) | $11,000 | 713 |
| Applicable income taxes | $210,000 | 3,549 |
| Income before extraordinary items | $357,000 | 5,642 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $357,000 | 5,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 1,883 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $176,000 | 450 |
| Net operating income | $349,960 | 5,688 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,244,000 | 2,213 |
| Total interest expense | $2,429,000 | 1,516 |
| Net interest income | $1,815,000 | 3,037 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $315,000 | 2,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $315,000 | 1,866 |
| Total noninterest expense | $1,814,000 | 2,441 |
| Salaries and employee benefits | $1,093,000 | 2,256 |
| Premises and equipment expense | $306,000 | 2,058 |
| Additional noninterest expense | $415,000 | 3,014 |
| Pre-tax net operating income | $316,000 | 4,831 |
| Securities gains (losses) | $20,000 | 479 |
| Applicable income taxes | $115,000 | 3,401 |
| Income before extraordinary items | $221,000 | 5,110 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $221,000 | 5,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 1,195 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 328 |
| Net operating income | $207,800 | 5,275 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,444,000 | 2,155 |
| Total interest expense | $7,846,000 | 1,441 |
| Net interest income | $7,598,000 | 2,828 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,263,000 | 3,026 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,263,000 | 1,891 |
| Total noninterest expense | $7,232,000 | 2,316 |
| Salaries and employee benefits | $4,364,000 | 2,110 |
| Premises and equipment expense | $917,000 | 2,552 |
| Additional noninterest expense | $1,951,000 | 2,549 |
| Pre-tax net operating income | $1,629,000 | 4,190 |
| Securities gains (losses) | $234,000 | 460 |
| Applicable income taxes | $674,000 | 2,878 |
| Income before extraordinary items | $1,189,000 | 4,370 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,189,000 | 4,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 1,863 |
| Cash dividends | $1,999,000 | 1,486 |
| Sale, conversion, retirement of capital stock, net | $294,000 | 599 |
| Net operating income | $1,039,240 | 4,696 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,398,000 | 2,138 |
| Total interest expense | $5,608,000 | 1,433 |
| Net interest income | $5,790,000 | 2,772 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $913,000 | 3,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $913,000 | 1,937 |
| Total noninterest expense | $5,480,000 | 2,272 |
| Salaries and employee benefits | $3,304,000 | 2,071 |
| Premises and equipment expense | $633,000 | 2,732 |
| Additional noninterest expense | $1,543,000 | 2,381 |
| Pre-tax net operating income | $1,223,000 | 4,266 |
| Securities gains (losses) | $234,000 | 439 |
| Applicable income taxes | $522,000 | 2,860 |
| Income before extraordinary items | $935,000 | 4,355 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $935,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 1,410 |
| Cash dividends | $1,999,000 | 1,072 |
| Sale, conversion, retirement of capital stock, net | $205,000 | 490 |
| Net operating income | $785,240 | 4,775 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,394,000 | 2,136 |
| Total interest expense | $3,518,000 | 1,425 |
| Net interest income | $3,876,000 | 2,739 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $577,000 | 3,190 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $577,000 | 1,981 |
| Total noninterest expense | $3,542,000 | 2,324 |
| Salaries and employee benefits | $2,175,000 | 2,086 |
| Premises and equipment expense | $550,000 | 2,155 |
| Additional noninterest expense | $817,000 | 2,969 |
| Pre-tax net operating income | $911,000 | 3,963 |
| Securities gains (losses) | $230,000 | 376 |
| Applicable income taxes | $410,000 | 2,572 |
| Income before extraordinary items | $731,000 | 3,861 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $731,000 | 3,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $1,999,000 | 744 |
| Sale, conversion, retirement of capital stock, net | $142,000 | 396 |
| Net operating income | $583,800 | 4,439 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,631,000 | 2,132 |
| Total interest expense | $1,675,000 | 1,425 |
| Net interest income | $1,956,000 | 2,703 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $267,000 | 3,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $267,000 | 2,045 |
| Total noninterest expense | $1,651,000 | 2,483 |
| Salaries and employee benefits | $1,045,000 | 2,175 |
| Premises and equipment expense | $268,000 | 2,218 |
| Additional noninterest expense | $338,000 | 3,459 |
| Pre-tax net operating income | $572,000 | 3,342 |
| Securities gains (losses) | $4,000 | 1,261 |
| Applicable income taxes | $211,000 | 2,509 |
| Income before extraordinary items | $365,000 | 3,865 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $365,000 | 3,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $1,999,000 | 380 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 282 |
| Net operating income | $362,440 | 3,839 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,211,000 | 1,994 |
| Total interest expense | $5,955,000 | 1,382 |
| Net interest income | $8,256,000 | 2,477 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,097,000 | 3,329 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,097,000 | 2,035 |
| Total noninterest expense | $6,602,000 | 2,418 |
| Salaries and employee benefits | $4,290,000 | 2,028 |
| Premises and equipment expense | $1,018,000 | 2,248 |
| Additional noninterest expense | $1,294,000 | 3,537 |
| Pre-tax net operating income | $2,751,000 | 2,767 |
| Securities gains (losses) | $596,000 | 409 |
| Applicable income taxes | $1,265,000 | 1,836 |
| Income before extraordinary items | $2,082,000 | 2,814 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,082,000 | 2,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $6,000,000 | 519 |
| Sale, conversion, retirement of capital stock, net | $438,000 | 487 |
| Net operating income | $1,700,560 | 3,252 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,608,000 | 1,978 |
| Total interest expense | $4,373,000 | 1,380 |
| Net interest income | $6,235,000 | 2,426 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $752,000 | 3,562 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $752,000 | 2,158 |
| Total noninterest expense | $4,917,000 | 2,415 |
| Salaries and employee benefits | $3,171,000 | 2,065 |
| Premises and equipment expense | $780,000 | 2,201 |
| Additional noninterest expense | $966,000 | 3,520 |
| Pre-tax net operating income | $2,070,000 | 2,798 |
| Securities gains (losses) | $596,000 | 382 |
| Applicable income taxes | $1,010,000 | 1,764 |
| Income before extraordinary items | $1,656,000 | 2,729 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,656,000 | 2,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,384 |
| Cash dividends | $6,000,000 | 392 |
| Sale, conversion, retirement of capital stock, net | $304,000 | 398 |
| Net operating income | $1,274,560 | 3,309 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,062,000 | 1,976 |
| Total interest expense | $2,903,000 | 1,369 |
| Net interest income | $4,159,000 | 2,398 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $481,000 | 3,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $481,000 | 2,251 |
| Total noninterest expense | $3,329,000 | 2,395 |
| Salaries and employee benefits | $2,151,000 | 2,024 |
| Premises and equipment expense | $545,000 | 2,094 |
| Additional noninterest expense | $633,000 | 3,582 |
| Pre-tax net operating income | $1,311,000 | 2,893 |
| Securities gains (losses) | $404,000 | 405 |
| Applicable income taxes | $662,000 | 1,785 |
| Income before extraordinary items | $1,053,000 | 2,806 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,053,000 | 2,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,422 |
| Cash dividends | $6,000,000 | 281 |
| Sale, conversion, retirement of capital stock, net | $227,000 | 331 |
| Net operating income | $794,440 | 3,451 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,520,000 | 1,993 |
| Total interest expense | $1,479,000 | 1,352 |
| Net interest income | $2,041,000 | 2,442 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $253,000 | 3,497 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $253,000 | 2,115 |
| Total noninterest expense | $1,633,000 | 2,447 |
| Salaries and employee benefits | $1,031,000 | 2,133 |
| Premises and equipment expense | $285,000 | 2,027 |
| Additional noninterest expense | $317,000 | 3,581 |
| Pre-tax net operating income | $661,000 | 2,836 |
| Securities gains (losses) | $380,000 | 308 |
| Applicable income taxes | $418,000 | 1,495 |
| Income before extraordinary items | $623,000 | 2,406 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $623,000 | 2,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,144 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $121,000 | 243 |
| Net operating income | $379,800 | 3,528 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,048,000 | 1,876 |
| Total interest expense | $6,697,000 | 1,319 |
| Net interest income | $8,351,000 | 2,326 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $2,260,000 | 2,118 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,260,000 | 1,341 |
| Total noninterest expense | $6,721,000 | 2,329 |
| Salaries and employee benefits | $3,939,000 | 2,155 |
| Premises and equipment expense | $1,236,000 | 1,852 |
| Additional noninterest expense | $1,546,000 | 2,996 |
| Pre-tax net operating income | $3,890,000 | 2,018 |
| Securities gains (losses) | $599,000 | 669 |
| Applicable income taxes | $1,574,000 | 1,557 |
| Income before extraordinary items | $2,915,000 | 2,087 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,915,000 | 2,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 4,012 |
| Cash dividends | $13,000,000 | 316 |
| Sale, conversion, retirement of capital stock, net | $465,000 | 503 |
| Net operating income | $2,525,650 | 2,247 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,485,000 | 1,892 |
| Total interest expense | $5,174,000 | 1,344 |
| Net interest income | $6,311,000 | 2,312 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,866,000 | 2,010 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,866,000 | 1,305 |
| Total noninterest expense | $4,822,000 | 2,450 |
| Salaries and employee benefits | $2,843,000 | 2,237 |
| Premises and equipment expense | $928,000 | 1,854 |
| Additional noninterest expense | $1,051,000 | 3,248 |
| Pre-tax net operating income | $3,355,000 | 1,865 |
| Securities gains (losses) | $550,000 | 641 |
| Applicable income taxes | $1,504,000 | 1,353 |
| Income before extraordinary items | $2,401,000 | 2,001 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,401,000 | 2,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,097 |
| Cash dividends | $5,000,000 | 478 |
| Sale, conversion, retirement of capital stock, net | $227,000 | 435 |
| Net operating income | $2,049,000 | 2,167 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,662,000 | 1,903 |
| Total interest expense | $3,631,000 | 1,315 |
| Net interest income | $4,031,000 | 2,409 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,056,000 | 2,265 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,056,000 | 1,457 |
| Total noninterest expense | $3,133,000 | 2,492 |
| Salaries and employee benefits | $1,882,000 | 2,248 |
| Premises and equipment expense | $585,000 | 1,949 |
| Additional noninterest expense | $666,000 | 3,381 |
| Pre-tax net operating income | $1,954,000 | 2,082 |
| Securities gains (losses) | $311,000 | 787 |
| Applicable income taxes | $864,000 | 1,518 |
| Income before extraordinary items | $1,401,000 | 2,235 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,401,000 | 2,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,326 |
| Cash dividends | $5,000,000 | 343 |
| Sale, conversion, retirement of capital stock, net | $127,000 | 372 |
| Net operating income | $1,201,960 | 2,427 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,963,000 | 1,857 |
| Total interest expense | $1,850,000 | 1,317 |
| Net interest income | $2,113,000 | 2,303 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $318,000 | 3,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $318,000 | 2,029 |
| Total noninterest expense | $1,505,000 | 2,577 |
| Salaries and employee benefits | $862,000 | 2,448 |
| Premises and equipment expense | $313,000 | 1,822 |
| Additional noninterest expense | $330,000 | 3,356 |
| Pre-tax net operating income | $926,000 | 2,185 |
| Securities gains (losses) | $65,000 | 1,236 |
| Applicable income taxes | $375,000 | 1,721 |
| Income before extraordinary items | $616,000 | 2,476 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $616,000 | 2,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,468 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 258 |
| Net operating income | $574,400 | 2,497 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,727,000 | 2,430 |
| Total interest expense | $6,305,000 | 1,813 |
| Net interest income | $6,422,000 | 2,965 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $739,000 | 4,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $739,000 | 2,630 |
| Total noninterest expense | $4,376,000 | 3,302 |
| Salaries and employee benefits | $2,714,000 | 2,893 |
| Premises and equipment expense | $826,000 | 2,614 |
| Additional noninterest expense | $836,000 | 4,779 |
| Pre-tax net operating income | $2,785,000 | 2,652 |
| Securities gains (losses) | $60,000 | 2,237 |
| Applicable income taxes | $1,041,000 | 2,149 |
| Income before extraordinary items | $1,804,000 | 3,032 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,804,000 | 3,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 9,204 |
| Cash dividends | $7,000,000 | 464 |
| Sale, conversion, retirement of capital stock, net | $1,400,000 | 342 |
| Net operating income | $1,765,600 | 2,989 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,840,000 | 2,309 |
| Total interest expense | $9,298,000 | 1,750 |
| Net interest income | $5,542,000 | 3,158 |
| Provision for loan and lease losses | $596,000 | 1,921 |
| Total noninterest income | $611,000 | 4,534 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $611,000 | 2,797 |
| Total noninterest expense | $3,860,000 | 3,540 |
| Salaries and employee benefits | $2,187,000 | 3,332 |
| Premises and equipment expense | $745,000 | 2,802 |
| Additional noninterest expense | $928,000 | 4,308 |
| Pre-tax net operating income | $1,697,000 | 3,556 |
| Securities gains (losses) | $760,000 | 475 |
| Applicable income taxes | $911,000 | 2,224 |
| Income before extraordinary items | $1,546,000 | 3,151 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,546,000 | 3,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,500 |
| Cash dividends | $3,500,000 | 807 |
| Sale, conversion, retirement of capital stock, net | $1,516,000 | 342 |
| Net operating income | $1,059,600 | 4,011 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,032,000 | 2,327 |
| Total interest expense | $9,679,000 | 1,773 |
| Net interest income | $5,353,000 | 3,272 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $543,000 | 4,678 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $543,000 | 2,817 |
| Total noninterest expense | $3,366,000 | 3,850 |
| Salaries and employee benefits | $1,693,000 | 3,965 |
| Premises and equipment expense | $785,000 | 2,623 |
| Additional noninterest expense | $888,000 | 4,386 |
| Pre-tax net operating income | $2,530,000 | 2,739 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $665,000 | 2,903 |
| Income before extraordinary items | $1,865,000 | 2,724 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,865,000 | 2,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $10,675,000 | 58 |
| Net operating income | $1,865,000 | 2,723 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,448,000 | 2,434 |
| Total interest expense | $8,480,000 | 1,752 |
| Net interest income | $4,968,000 | 3,470 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $471,000 | 5,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $471,000 | 3,070 |
| Total noninterest expense | $3,087,000 | 4,115 |
| Salaries and employee benefits | $1,503,000 | 4,332 |
| Premises and equipment expense | $732,000 | 2,761 |
| Additional noninterest expense | $852,000 | 4,585 |
| Pre-tax net operating income | $2,352,000 | 2,933 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $830,000 | 2,567 |
| Income before extraordinary items | $1,521,000 | 3,209 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,521,000 | 3,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,565 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,521,650 | 3,170 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,103,000 | 2,482 |
| Total interest expense | $8,298,000 | 1,844 |
| Net interest income | $4,805,000 | 3,534 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $430,000 | 5,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $430,000 | 3,277 |
| Total noninterest expense | $2,752,000 | 4,437 |
| Salaries and employee benefits | $1,354,000 | 4,613 |
| Premises and equipment expense | $792,000 | 2,478 |
| Additional noninterest expense | $606,000 | 5,723 |
| Pre-tax net operating income | $2,483,000 | 2,806 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,003,000 | 2,310 |
| Income before extraordinary items | $1,480,000 | 3,299 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,480,000 | 3,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 10,096 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,480,000 | 3,215 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,770,000 | 2,571 |
| Total interest expense | $7,773,000 | 1,981 |
| Net interest income | $4,997,000 | 3,495 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $379,000 | 5,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $379,000 | 3,405 |
| Total noninterest expense | $2,665,000 | 4,532 |
| Salaries and employee benefits | $1,325,000 | 4,711 |
| Premises and equipment expense | $606,000 | 3,125 |
| Additional noninterest expense | $734,000 | 5,039 |
| Pre-tax net operating income | $2,711,000 | 2,725 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $971,000 | 2,501 |
| Income before extraordinary items | $1,740,000 | 2,928 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,740,000 | 2,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,752 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,740,000 | 2,875 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,244,000 | 2,714 |
| Total interest expense | $7,465,000 | 2,104 |
| Net interest income | $4,779,000 | 3,694 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $441,000 | 5,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $441,000 | 3,187 |
| Total noninterest expense | $3,818,000 | 3,481 |
| Salaries and employee benefits | $1,219,000 | 5,124 |
| Premises and equipment expense | $540,000 | 3,537 |
| Additional noninterest expense | $2,059,000 | 2,392 |
| Pre-tax net operating income | $1,402,000 | 4,575 |
| Securities gains (losses) | $320,000 | 533 |
| Applicable income taxes | $399,000 | 4,901 |
| Income before extraordinary items | $1,323,000 | 3,573 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,323,000 | 3,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,783 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,076,600 | 4,157 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,034,000 | 2,775 |
| Total interest expense | $7,101,000 | 2,189 |
| Net interest income | $4,933,000 | 3,588 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $346,000 | 6,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $346,000 | 3,639 |
| Total noninterest expense | $2,635,000 | 4,773 |
| Salaries and employee benefits | $1,058,000 | 5,775 |
| Premises and equipment expense | $552,000 | 3,453 |
| Additional noninterest expense | $1,025,000 | 4,266 |
| Pre-tax net operating income | $2,644,000 | 2,692 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $868,000 | 2,689 |
| Income before extraordinary items | $1,776,000 | 2,777 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,776,000 | 2,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,757 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,776,000 | 2,742 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,430,000 | 2,652 |
| Total interest expense | $5,847,000 | 2,138 |
| Net interest income | $5,583,000 | 3,213 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $361,000 | 6,536 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $361,000 | 3,648 |
| Total noninterest expense | $2,482,000 | 5,190 |
| Salaries and employee benefits | $987,000 | 6,149 |
| Premises and equipment expense | $501,000 | 3,804 |
| Additional noninterest expense | $994,000 | 4,730 |
| Pre-tax net operating income | $3,462,000 | 2,056 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,105,000 | 2,039 |
| Income before extraordinary items | $2,357,000 | 2,073 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,357,000 | 2,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,413 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,357,000 | 2,089 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,855,000 | 2,602 |
| Total interest expense | $5,934,000 | 2,187 |
| Net interest income | $5,921,000 | 3,063 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $468,000 | 5,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $468,000 | 3,399 |
| Total noninterest expense | $2,506,000 | 5,271 |
| Salaries and employee benefits | $1,029,000 | 5,970 |
| Premises and equipment expense | $452,000 | 4,251 |
| Additional noninterest expense | $1,025,000 | 4,815 |
| Pre-tax net operating income | $3,883,000 | 1,769 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,587,000 | 1,501 |
| Income before extraordinary items | $2,296,000 | 2,180 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,296,000 | 2,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 6,513 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,296,000 | 2,048 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,115,000 | 2,689 |
| Total interest expense | $7,587,000 | 2,241 |
| Net interest income | $5,528,000 | 3,310 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $425,000 | 6,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $425,000 | 3,555 |
| Total noninterest expense | $2,678,000 | 4,995 |
| Salaries and employee benefits | $984,000 | 6,122 |
| Premises and equipment expense | $429,000 | 4,536 |
| Additional noninterest expense | $1,265,000 | 4,136 |
| Pre-tax net operating income | $3,275,000 | 1,897 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,172,000 | 1,795 |
| Income before extraordinary items | $2,103,000 | 2,182 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,103,000 | 2,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 5,482 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,103,000 | 2,007 |
* 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.