Home > First Federal Savings Bank > Income and Expense
First Federal Savings Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,066,000 | 6,197 |
| Total interest expense | $202,000 | 5,762 |
| Net interest income | $864,000 | 6,241 |
| Provision for loan and lease losses | $10,000 | 5,356 |
| Total noninterest income | $93,000 | 5,880 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $23,000 | 6,408 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $70,000 | 5,109 |
| Total noninterest expense | $692,000 | 6,330 |
| Salaries and employee benefits | $407,000 | 6,151 |
| Premises and equipment expense | $75,000 | 6,220 |
| Additional noninterest expense | $210,000 | 6,396 |
| Pre-tax net operating income | $255,000 | 5,028 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $77,000 | 3,260 |
| Income before extraordinary items | $178,000 | 5,471 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $178,000 | 5,471 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $178,000 | 5,471 |
| Net charge-offs | $6,000 | 5,096 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $178,000 | 5,281 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $523,000 | 6,289 |
| Total interest expense | $103,000 | 5,825 |
| Net interest income | $420,000 | 6,317 |
| Provision for loan and lease losses | $6,000 | 4,993 |
| Total noninterest income | $38,000 | 6,134 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $9,000 | 6,588 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $29,000 | 5,390 |
| Total noninterest expense | $336,000 | 6,419 |
| Salaries and employee benefits | $203,000 | 6,199 |
| Premises and equipment expense | $38,000 | 6,251 |
| Additional noninterest expense | $95,000 | 6,564 |
| Pre-tax net operating income | $116,000 | 5,239 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $35,000 | 3,327 |
| Income before extraordinary items | $81,000 | 5,602 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $81,000 | 5,602 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $81,000 | 5,602 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $81,000 | 5,447 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,138,000 | 6,346 |
| Total interest expense | $502,000 | 5,843 |
| Net interest income | $1,636,000 | 6,414 |
| Provision for loan and lease losses | $-16,000 | 7,218 |
| Total noninterest income | $249,000 | 5,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 6,504 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $210,000 | 4,401 |
| Total noninterest expense | $1,432,000 | 6,382 |
| Salaries and employee benefits | $818,000 | 6,243 |
| Premises and equipment expense | $309,000 | 5,171 |
| Additional noninterest expense | $305,000 | 6,840 |
| Pre-tax net operating income | $469,000 | 4,792 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $169,000 | 3,032 |
| Income before extraordinary items | $300,000 | 5,245 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $300,000 | 5,247 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $300,000 | 5,247 |
| Net charge-offs | $0 | 6,441 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $300,000 | 5,128 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,607,000 | 6,404 |
| Total interest expense | $392,000 | 5,878 |
| Net interest income | $1,215,000 | 6,477 |
| Provision for loan and lease losses | $-12,000 | 7,299 |
| Total noninterest income | $204,000 | 5,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 6,630 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $180,000 | 4,250 |
| Total noninterest expense | $1,092,000 | 6,398 |
| Salaries and employee benefits | $601,000 | 6,286 |
| Premises and equipment expense | $233,000 | 5,203 |
| Additional noninterest expense | $258,000 | 6,758 |
| Pre-tax net operating income | $339,000 | 4,978 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $126,000 | 3,032 |
| Income before extraordinary items | $213,000 | 5,438 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $213,000 | 5,438 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $213,000 | 5,438 |
| Net charge-offs | $0 | 6,185 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $213,000 | 5,300 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,070,000 | 6,464 |
| Total interest expense | $273,000 | 5,918 |
| Net interest income | $797,000 | 6,553 |
| Provision for loan and lease losses | $-6,000 | 7,362 |
| Total noninterest income | $161,000 | 5,197 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 6,778 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $149,000 | 3,964 |
| Total noninterest expense | $755,000 | 6,405 |
| Salaries and employee benefits | $408,000 | 6,312 |
| Premises and equipment expense | $157,000 | 5,227 |
| Additional noninterest expense | $190,000 | 6,727 |
| Pre-tax net operating income | $209,000 | 5,062 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $77,000 | 3,061 |
| Income before extraordinary items | $132,000 | 5,484 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $132,000 | 5,483 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $132,000 | 5,484 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $132,000 | 5,392 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $529,000 | 6,528 |
| Total interest expense | $144,000 | 5,915 |
| Net interest income | $385,000 | 6,628 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $42,000 | 6,140 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $42,000 | 4,925 |
| Total noninterest expense | $349,000 | 6,581 |
| Salaries and employee benefits | $210,000 | 6,298 |
| Premises and equipment expense | $86,000 | 5,068 |
| Additional noninterest expense | $53,000 | 7,298 |
| Pre-tax net operating income | $78,000 | 5,399 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $35,000 | 3,081 |
| Income before extraordinary items | $43,000 | 5,810 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $43,000 | 5,809 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $43,000 | 5,810 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $43,000 | 5,776 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,584,000 | 6,318 |
| Total interest expense | $723,000 | 5,906 |
| Net interest income | $1,861,000 | 6,364 |
| Provision for loan and lease losses | $21,000 | 6,800 |
| Total noninterest income | $923,000 | 3,365 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $923,000 | 2,278 |
| Total noninterest expense | $2,376,000 | 5,621 |
| Salaries and employee benefits | $1,601,000 | 4,883 |
| Premises and equipment expense | $419,000 | 4,638 |
| Additional noninterest expense | $356,000 | 6,933 |
| Pre-tax net operating income | $387,000 | 4,661 |
| Securities gains (losses) | $-4,000 | 6,965 |
| Applicable income taxes | $160,000 | 2,884 |
| Income before extraordinary items | $223,000 | 5,198 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $223,000 | 5,202 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $223,000 | 5,202 |
| Net charge-offs | $-24,000 | 7,519 |
| Cash dividends | $675,000 | 1,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $225,560 | 5,047 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,035,000 | 6,340 |
| Total interest expense | $557,000 | 6,006 |
| Net interest income | $1,478,000 | 6,375 |
| Provision for loan and lease losses | $21,000 | 6,656 |
| Total noninterest income | $890,000 | 2,952 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $890,000 | 1,939 |
| Total noninterest expense | $2,068,000 | 5,275 |
| Salaries and employee benefits | $1,416,000 | 4,433 |
| Premises and equipment expense | $350,000 | 4,431 |
| Additional noninterest expense | $302,000 | 6,853 |
| Pre-tax net operating income | $279,000 | 4,935 |
| Securities gains (losses) | $-4,000 | 7,144 |
| Applicable income taxes | $113,000 | 3,025 |
| Income before extraordinary items | $162,000 | 5,466 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $162,000 | 5,468 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $162,000 | 5,469 |
| Net charge-offs | $21,000 | 6,000 |
| Cash dividends | $275,000 | 2,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $164,560 | 5,296 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,476,000 | 6,227 |
| Total interest expense | $386,000 | 6,030 |
| Net interest income | $1,090,000 | 6,197 |
| Provision for loan and lease losses | $21,000 | 6,377 |
| Total noninterest income | $860,000 | 2,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $860,000 | 1,447 |
| Total noninterest expense | $1,723,000 | 4,670 |
| Salaries and employee benefits | $1,226,000 | 3,702 |
| Premises and equipment expense | $255,000 | 4,219 |
| Additional noninterest expense | $242,000 | 6,644 |
| Pre-tax net operating income | $206,000 | 4,908 |
| Securities gains (losses) | $-6,000 | 7,275 |
| Applicable income taxes | $83,000 | 2,935 |
| Income before extraordinary items | $117,000 | 5,433 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $117,000 | 5,435 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $117,000 | 5,435 |
| Net charge-offs | $16,000 | 5,608 |
| Cash dividends | $275,000 | 1,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $120,840 | 5,283 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $804,000 | 6,129 |
| Total interest expense | $203,000 | 6,048 |
| Net interest income | $601,000 | 5,999 |
| Provision for loan and lease losses | $18,000 | 5,796 |
| Total noninterest income | $631,000 | 1,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $631,000 | 1,088 |
| Total noninterest expense | $1,115,000 | 3,972 |
| Salaries and employee benefits | $849,000 | 2,857 |
| Premises and equipment expense | $138,000 | 4,104 |
| Additional noninterest expense | $128,000 | 6,618 |
| Pre-tax net operating income | $99,000 | 5,062 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $41,000 | 2,936 |
| Income before extraordinary items | $58,000 | 5,581 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $58,000 | 5,583 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $58,000 | 5,582 |
| Net charge-offs | $21,000 | 4,393 |
| Cash dividends | $275,000 | 1,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $58,000 | 5,479 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,772,000 | 6,486 |
| Total interest expense | $969,000 | 6,086 |
| Net interest income | $1,803,000 | 6,563 |
| Provision for loan and lease losses | $29,000 | 7,089 |
| Total noninterest income | $542,000 | 4,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $542,000 | 3,066 |
| Total noninterest expense | $1,909,000 | 6,338 |
| Salaries and employee benefits | $1,136,000 | 5,972 |
| Premises and equipment expense | $411,000 | 4,919 |
| Additional noninterest expense | $362,000 | 7,222 |
| Pre-tax net operating income | $407,000 | 4,223 |
| Securities gains (losses) | $25,000 | 2,955 |
| Applicable income taxes | $157,000 | 2,574 |
| Income before extraordinary items | $275,000 | 4,561 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $275,000 | 4,560 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $275,000 | 4,561 |
| Net charge-offs | $24,000 | 6,585 |
| Cash dividends | $800,000 | 1,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $259,000 | 4,540 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,014,000 | 6,619 |
| Total interest expense | $753,000 | 6,161 |
| Net interest income | $1,261,000 | 6,745 |
| Provision for loan and lease losses | $29,000 | 6,813 |
| Total noninterest income | $147,000 | 6,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $147,000 | 4,809 |
| Total noninterest expense | $1,110,000 | 6,856 |
| Salaries and employee benefits | $602,000 | 6,728 |
| Premises and equipment expense | $272,000 | 5,276 |
| Additional noninterest expense | $236,000 | 7,414 |
| Pre-tax net operating income | $269,000 | 4,649 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $94,000 | 2,917 |
| Income before extraordinary items | $175,000 | 4,959 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $175,000 | 4,958 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $175,000 | 4,959 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $800,000 | 1,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $175,000 | 4,908 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,290,000 | 6,774 |
| Total interest expense | $521,000 | 6,188 |
| Net interest income | $769,000 | 6,929 |
| Provision for loan and lease losses | $29,000 | 6,542 |
| Total noninterest income | $54,000 | 7,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $54,000 | 5,737 |
| Total noninterest expense | $628,000 | 7,184 |
| Salaries and employee benefits | $341,000 | 7,119 |
| Premises and equipment expense | $165,000 | 5,542 |
| Additional noninterest expense | $122,000 | 7,726 |
| Pre-tax net operating income | $166,000 | 4,848 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $57,000 | 3,064 |
| Income before extraordinary items | $109,000 | 5,134 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $109,000 | 5,132 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $109,000 | 5,133 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $800,000 | 1,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $109,000 | 5,045 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $651,000 | 6,807 |
| Total interest expense | $271,000 | 6,214 |
| Net interest income | $380,000 | 6,968 |
| Provision for loan and lease losses | $29,000 | 5,632 |
| Total noninterest income | $23,000 | 7,294 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $23,000 | 6,000 |
| Total noninterest expense | $295,000 | 7,298 |
| Salaries and employee benefits | $163,000 | 7,236 |
| Premises and equipment expense | $84,000 | 5,551 |
| Additional noninterest expense | $48,000 | 7,891 |
| Pre-tax net operating income | $79,000 | 5,263 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $27,000 | 3,369 |
| Income before extraordinary items | $52,000 | 5,648 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $52,000 | 5,651 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $52,000 | 5,651 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $52,000 | 5,481 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,808,000 | 6,751 |
| Total interest expense | $1,249,000 | 6,350 |
| Net interest income | $1,559,000 | 6,929 |
| Provision for loan and lease losses | $52,000 | 6,552 |
| Total noninterest income | $172,000 | 6,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $172,000 | 5,091 |
| Total noninterest expense | $1,080,000 | 7,441 |
| Salaries and employee benefits | $621,000 | 7,354 |
| Premises and equipment expense | $310,000 | 5,709 |
| Additional noninterest expense | $149,000 | 8,083 |
| Pre-tax net operating income | $599,000 | 4,618 |
| Securities gains (losses) | $-3,000 | 6,917 |
| Applicable income taxes | $210,000 | 2,765 |
| Income before extraordinary items | $386,000 | 4,799 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $386,000 | 4,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,209 |
| Cash dividends | $250,000 | 4,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $387,950 | 4,957 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,128,000 | 6,803 |
| Total interest expense | $968,000 | 6,409 |
| Net interest income | $1,160,000 | 6,997 |
| Provision for loan and lease losses | $37,000 | 6,145 |
| Total noninterest income | $136,000 | 6,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $136,000 | 5,118 |
| Total noninterest expense | $798,000 | 7,476 |
| Salaries and employee benefits | $460,000 | 7,394 |
| Premises and equipment expense | $236,000 | 5,701 |
| Additional noninterest expense | $102,000 | 8,170 |
| Pre-tax net operating income | $461,000 | 5,062 |
| Securities gains (losses) | $-3,000 | 7,226 |
| Applicable income taxes | $162,000 | 3,157 |
| Income before extraordinary items | $296,000 | 5,231 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $296,000 | 5,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,374 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $297,950 | 5,409 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,452,000 | 6,816 |
| Total interest expense | $690,000 | 6,382 |
| Net interest income | $762,000 | 7,049 |
| Provision for loan and lease losses | $28,000 | 5,752 |
| Total noninterest income | $99,000 | 6,682 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $99,000 | 5,078 |
| Total noninterest expense | $535,000 | 7,524 |
| Salaries and employee benefits | $305,000 | 7,485 |
| Premises and equipment expense | $160,000 | 5,703 |
| Additional noninterest expense | $70,000 | 8,218 |
| Pre-tax net operating income | $298,000 | 5,289 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $106,000 | 3,393 |
| Income before extraordinary items | $192,000 | 5,668 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $192,000 | 5,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,124 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $192,000 | 5,605 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $737,000 | 6,871 |
| Total interest expense | $379,000 | 6,348 |
| Net interest income | $358,000 | 7,203 |
| Provision for loan and lease losses | $16,000 | 5,047 |
| Total noninterest income | $33,000 | 7,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $33,000 | 5,761 |
| Total noninterest expense | $261,000 | 7,583 |
| Salaries and employee benefits | $150,000 | 7,552 |
| Premises and equipment expense | $80,000 | 5,724 |
| Additional noninterest expense | $31,000 | 8,303 |
| Pre-tax net operating income | $114,000 | 5,844 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $40,000 | 3,790 |
| Income before extraordinary items | $74,000 | 6,222 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $74,000 | 6,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $74,000 | 6,127 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,930,000 | 6,889 |
| Total interest expense | $1,564,000 | 6,341 |
| Net interest income | $1,366,000 | 7,294 |
| Provision for loan and lease losses | $20,000 | 6,324 |
| Total noninterest income | $130,000 | 7,292 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $130,000 | 5,813 |
| Total noninterest expense | $1,033,000 | 7,614 |
| Salaries and employee benefits | $615,000 | 7,499 |
| Premises and equipment expense | $292,000 | 5,843 |
| Additional noninterest expense | $126,000 | 8,356 |
| Pre-tax net operating income | $443,000 | 6,153 |
| Securities gains (losses) | $-2,000 | 7,197 |
| Applicable income taxes | $152,000 | 4,116 |
| Income before extraordinary items | $289,000 | 6,466 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $289,000 | 6,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,321 |
| Cash dividends | $200,000 | 4,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $290,320 | 6,446 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,214,000 | 6,919 |
| Total interest expense | $1,170,000 | 6,375 |
| Net interest income | $1,044,000 | 7,306 |
| Provision for loan and lease losses | $13,000 | 6,083 |
| Total noninterest income | $97,000 | 7,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $97,000 | 5,858 |
| Total noninterest expense | $791,000 | 7,551 |
| Salaries and employee benefits | $467,000 | 7,454 |
| Premises and equipment expense | $224,000 | 5,801 |
| Additional noninterest expense | $100,000 | 8,329 |
| Pre-tax net operating income | $337,000 | 6,418 |
| Securities gains (losses) | $-1,000 | 7,322 |
| Applicable income taxes | $114,000 | 4,317 |
| Income before extraordinary items | $222,000 | 6,700 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $222,000 | 6,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,700 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $222,660 | 6,690 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,482,000 | 6,940 |
| Total interest expense | $785,000 | 6,397 |
| Net interest income | $697,000 | 7,365 |
| Provision for loan and lease losses | $10,000 | 5,732 |
| Total noninterest income | $64,000 | 7,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $64,000 | 5,897 |
| Total noninterest expense | $534,000 | 7,588 |
| Salaries and employee benefits | $318,000 | 7,460 |
| Premises and equipment expense | $149,000 | 5,826 |
| Additional noninterest expense | $67,000 | 8,369 |
| Pre-tax net operating income | $217,000 | 6,532 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $72,000 | 4,453 |
| Income before extraordinary items | $145,000 | 6,787 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $145,000 | 6,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,997 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $145,000 | 6,772 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $741,000 | 6,964 |
| Total interest expense | $382,000 | 6,460 |
| Net interest income | $359,000 | 7,340 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $31,000 | 7,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $31,000 | 5,926 |
| Total noninterest expense | $280,000 | 7,555 |
| Salaries and employee benefits | $170,000 | 7,390 |
| Premises and equipment expense | $75,000 | 5,852 |
| Additional noninterest expense | $35,000 | 8,371 |
| Pre-tax net operating income | $110,000 | 6,542 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $38,000 | 4,407 |
| Income before extraordinary items | $72,000 | 6,830 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $72,000 | 6,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $72,000 | 6,810 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,836,000 | 6,906 |
| Total interest expense | $1,426,000 | 6,225 |
| Net interest income | $1,410,000 | 7,295 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $144,000 | 7,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $144,000 | 5,694 |
| Total noninterest expense | $1,131,000 | 7,504 |
| Salaries and employee benefits | $701,000 | 7,271 |
| Premises and equipment expense | $296,000 | 5,772 |
| Additional noninterest expense | $134,000 | 8,439 |
| Pre-tax net operating income | $423,000 | 6,716 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $154,000 | 4,571 |
| Income before extraordinary items | $269,000 | 7,033 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $269,000 | 7,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $269,000 | 7,028 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,099,000 | 6,969 |
| Total interest expense | $1,011,000 | 6,295 |
| Net interest income | $1,088,000 | 7,311 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $113,000 | 7,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $113,000 | 5,618 |
| Total noninterest expense | $850,000 | 7,512 |
| Salaries and employee benefits | $529,000 | 7,251 |
| Premises and equipment expense | $220,000 | 5,824 |
| Additional noninterest expense | $101,000 | 8,473 |
| Pre-tax net operating income | $351,000 | 6,772 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $126,000 | 4,693 |
| Income before extraordinary items | $225,000 | 7,085 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $225,000 | 7,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $225,000 | 7,087 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,363,000 | 7,031 |
| Total interest expense | $620,000 | 6,375 |
| Net interest income | $743,000 | 7,318 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $96,000 | 7,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $96,000 | 5,214 |
| Total noninterest expense | $579,000 | 7,499 |
| Salaries and employee benefits | $354,000 | 7,275 |
| Premises and equipment expense | $153,000 | 5,725 |
| Additional noninterest expense | $72,000 | 8,454 |
| Pre-tax net operating income | $260,000 | 6,712 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $89,000 | 4,668 |
| Income before extraordinary items | $171,000 | 6,990 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $171,000 | 6,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $171,000 | 6,996 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $646,000 | 7,124 |
| Total interest expense | $268,000 | 6,651 |
| Net interest income | $378,000 | 7,300 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $52,000 | 6,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $52,000 | 5,040 |
| Total noninterest expense | $293,000 | 7,480 |
| Salaries and employee benefits | $174,000 | 7,332 |
| Premises and equipment expense | $79,000 | 5,661 |
| Additional noninterest expense | $40,000 | 8,386 |
| Pre-tax net operating income | $137,000 | 6,588 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $52,000 | 4,445 |
| Income before extraordinary items | $85,000 | 6,976 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $85,000 | 6,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $85,000 | 6,977 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,477,000 | 7,029 |
| Total interest expense | $906,000 | 6,522 |
| Net interest income | $1,571,000 | 7,202 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $216,000 | 6,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $216,000 | 5,012 |
| Total noninterest expense | $1,168,000 | 7,456 |
| Salaries and employee benefits | $675,000 | 7,356 |
| Premises and equipment expense | $308,000 | 5,654 |
| Additional noninterest expense | $185,000 | 8,315 |
| Pre-tax net operating income | $619,000 | 6,361 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $225,000 | 4,505 |
| Income before extraordinary items | $394,000 | 6,797 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $394,000 | 6,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $394,000 | 6,762 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,856,000 | 7,045 |
| Total interest expense | $654,000 | 6,532 |
| Net interest income | $1,202,000 | 7,193 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $169,000 | 6,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $169,000 | 4,974 |
| Total noninterest expense | $902,000 | 7,394 |
| Salaries and employee benefits | $521,000 | 7,265 |
| Premises and equipment expense | $239,000 | 5,570 |
| Additional noninterest expense | $142,000 | 8,282 |
| Pre-tax net operating income | $469,000 | 6,508 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $172,000 | 4,641 |
| Income before extraordinary items | $297,000 | 6,934 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $297,000 | 6,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $297,000 | 6,894 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,233,000 | 7,015 |
| Total interest expense | $425,000 | 6,455 |
| Net interest income | $808,000 | 7,164 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $115,000 | 6,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $115,000 | 4,902 |
| Total noninterest expense | $602,000 | 7,385 |
| Salaries and employee benefits | $353,000 | 7,238 |
| Premises and equipment expense | $159,000 | 5,543 |
| Additional noninterest expense | $90,000 | 8,306 |
| Pre-tax net operating income | $321,000 | 6,460 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $115,000 | 4,636 |
| Income before extraordinary items | $206,000 | 6,900 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $206,000 | 6,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $206,000 | 6,851 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $614,000 | 7,055 |
| Total interest expense | $208,000 | 6,437 |
| Net interest income | $406,000 | 7,213 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $60,000 | 6,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $299,000 | 7,453 |
| Salaries and employee benefits | $175,000 | 7,311 |
| Premises and equipment expense | $84,000 | 5,420 |
| Additional noninterest expense | $40,000 | 8,488 |
| Pre-tax net operating income | $167,000 | 6,351 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $62,000 | 4,479 |
| Income before extraordinary items | $105,000 | 6,803 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $105,000 | 6,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $105,000 | 6,769 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,502,000 | 6,887 |
| Total interest expense | $813,000 | 6,214 |
| Net interest income | $1,689,000 | 7,057 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $175,000 | 7,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $175,000 | 5,383 |
| Total noninterest expense | $1,284,000 | 7,295 |
| Salaries and employee benefits | $720,000 | 7,213 |
| Premises and equipment expense | $378,000 | 4,949 |
| Additional noninterest expense | $186,000 | 8,392 |
| Pre-tax net operating income | $580,000 | 6,450 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $202,000 | 4,737 |
| Income before extraordinary items | $378,000 | 6,887 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $378,000 | 6,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $378,000 | 6,829 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,872,000 | 6,909 |
| Total interest expense | $616,000 | 6,185 |
| Net interest income | $1,256,000 | 7,096 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $134,000 | 7,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $134,000 | 5,364 |
| Total noninterest expense | $946,000 | 7,299 |
| Salaries and employee benefits | $536,000 | 7,186 |
| Premises and equipment expense | $279,000 | 4,993 |
| Additional noninterest expense | $131,000 | 8,456 |
| Pre-tax net operating income | $444,000 | 6,566 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $155,000 | 4,807 |
| Income before extraordinary items | $289,000 | 6,970 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $289,000 | 6,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $289,000 | 6,899 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,257,000 | 6,927 |
| Total interest expense | $414,000 | 6,197 |
| Net interest income | $843,000 | 7,113 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $95,000 | 7,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $95,000 | 5,258 |
| Total noninterest expense | $623,000 | 7,380 |
| Salaries and employee benefits | $355,000 | 7,264 |
| Premises and equipment expense | $179,000 | 5,131 |
| Additional noninterest expense | $89,000 | 8,478 |
| Pre-tax net operating income | $315,000 | 6,408 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $101,000 | 4,830 |
| Income before extraordinary items | $214,000 | 6,761 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $214,000 | 6,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $214,000 | 6,675 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $633,000 | 6,942 |
| Total interest expense | $207,000 | 6,258 |
| Net interest income | $426,000 | 7,112 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $38,000 | 7,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $38,000 | 5,668 |
| Total noninterest expense | $304,000 | 7,474 |
| Salaries and employee benefits | $178,000 | 7,301 |
| Premises and equipment expense | $76,000 | 5,660 |
| Additional noninterest expense | $50,000 | 8,398 |
| Pre-tax net operating income | $160,000 | 6,310 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $48,000 | 4,889 |
| Income before extraordinary items | $112,000 | 6,660 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $112,000 | 6,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $112,000 | 6,542 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,575,000 | 6,964 |
| Total interest expense | $907,000 | 6,395 |
| Net interest income | $1,668,000 | 7,114 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $1,014,000 | 3,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,014,000 | 2,363 |
| Total noninterest expense | $1,226,000 | 7,426 |
| Salaries and employee benefits | $774,000 | 7,009 |
| Premises and equipment expense | $307,000 | 5,607 |
| Additional noninterest expense | $145,000 | 8,782 |
| Pre-tax net operating income | $1,456,000 | 4,200 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $513,000 | 3,331 |
| Income before extraordinary items | $943,000 | 4,815 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $943,000 | 4,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,477 |
| Cash dividends | $900,000 | 2,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $943,000 | 4,648 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,938,000 | 7,033 |
| Total interest expense | $694,000 | 6,481 |
| Net interest income | $1,244,000 | 7,173 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $951,000 | 3,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $951,000 | 2,122 |
| Total noninterest expense | $944,000 | 7,336 |
| Salaries and employee benefits | $599,000 | 6,920 |
| Premises and equipment expense | $232,000 | 5,560 |
| Additional noninterest expense | $113,000 | 8,789 |
| Pre-tax net operating income | $1,251,000 | 3,963 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $436,000 | 3,280 |
| Income before extraordinary items | $815,000 | 4,544 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $815,000 | 4,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $815,000 | 4,376 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,312,000 | 7,035 |
| Total interest expense | $472,000 | 6,551 |
| Net interest income | $840,000 | 7,147 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $895,000 | 2,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $895,000 | 1,641 |
| Total noninterest expense | $643,000 | 7,315 |
| Salaries and employee benefits | $418,000 | 6,829 |
| Premises and equipment expense | $152,000 | 5,609 |
| Additional noninterest expense | $73,000 | 8,827 |
| Pre-tax net operating income | $1,092,000 | 3,305 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $382,000 | 2,783 |
| Income before extraordinary items | $710,000 | 3,819 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $710,000 | 3,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $710,000 | 3,629 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $660,000 | 7,065 |
| Total interest expense | $244,000 | 6,559 |
| Net interest income | $416,000 | 7,189 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $849,000 | 1,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $849,000 | 999 |
| Total noninterest expense | $345,000 | 7,161 |
| Salaries and employee benefits | $228,000 | 6,579 |
| Premises and equipment expense | $78,000 | 5,518 |
| Additional noninterest expense | $39,000 | 8,811 |
| Pre-tax net operating income | $920,000 | 2,200 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $326,000 | 1,938 |
| Income before extraordinary items | $594,000 | 2,566 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $594,000 | 2,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $594,000 | 2,430 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,631,000 | 7,224 |
| Total interest expense | $1,110,000 | 6,652 |
| Net interest income | $1,521,000 | 7,403 |
| Provision for loan and lease losses | $3,000 | 8,029 |
| Total noninterest income | $346,000 | 6,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $346,000 | 3,972 |
| Total noninterest expense | $1,341,000 | 7,156 |
| Salaries and employee benefits | $852,000 | 6,692 |
| Premises and equipment expense | $326,000 | 5,308 |
| Additional noninterest expense | $163,000 | 8,792 |
| Pre-tax net operating income | $523,000 | 6,685 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $172,000 | 5,326 |
| Income before extraordinary items | $351,000 | 7,065 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $351,000 | 7,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $351,000 | 6,947 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 7,884 |
| Total interest expense | $1,118,000 | 7,778 |
| Net interest income | $1,247,000 | 7,785 |
| Provision for loan and lease losses | $2,000 | 8,184 |
| Total noninterest income | $153,000 | 7,813 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $153,000 | 5,514 |
| Total noninterest expense | $1,071,000 | 7,779 |
| Salaries and employee benefits | $673,000 | 7,320 |
| Premises and equipment expense | $286,000 | 5,678 |
| Additional noninterest expense | $112,000 | 9,303 |
| Pre-tax net operating income | $327,000 | 7,284 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $83,000 | 6,223 |
| Income before extraordinary items | $244,000 | 7,468 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $244,000 | 7,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $244,000 | 7,352 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,176,000 | 8,251 |
| Total interest expense | $986,000 | 8,252 |
| Net interest income | $1,190,000 | 8,090 |
| Provision for loan and lease losses | $2,000 | 8,255 |
| Total noninterest income | $110,000 | 8,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $110,000 | 6,206 |
| Total noninterest expense | $988,000 | 8,063 |
| Salaries and employee benefits | $650,000 | 7,427 |
| Premises and equipment expense | $231,000 | 6,301 |
| Additional noninterest expense | $107,000 | 9,581 |
| Pre-tax net operating income | $310,000 | 7,861 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $97,000 | 6,545 |
| Income before extraordinary items | $213,000 | 7,994 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $213,000 | 7,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $213,000 | 7,996 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,186,000 | 8,286 |
| Total interest expense | $931,000 | 8,363 |
| Net interest income | $1,255,000 | 8,089 |
| Provision for loan and lease losses | $4,000 | 8,376 |
| Total noninterest income | $109,000 | 8,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $109,000 | 6,428 |
| Total noninterest expense | $909,000 | 8,391 |
| Salaries and employee benefits | $614,000 | 7,674 |
| Premises and equipment expense | $171,000 | 7,309 |
| Additional noninterest expense | $124,000 | 9,749 |
| Pre-tax net operating income | $451,000 | 7,372 |
| Securities gains (losses) | $-23,000 | 9,594 |
| Applicable income taxes | $159,000 | 6,165 |
| Income before extraordinary items | $269,000 | 7,798 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $269,000 | 7,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $283,720 | 7,681 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,228,000 | 8,409 |
| Total interest expense | $902,000 | 8,684 |
| Net interest income | $1,326,000 | 8,059 |
| Provision for loan and lease losses | $3,000 | 8,549 |
| Total noninterest income | $300,000 | 6,484 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $300,000 | 4,027 |
| Total noninterest expense | $1,025,000 | 8,035 |
| Salaries and employee benefits | $744,000 | 6,960 |
| Premises and equipment expense | $160,000 | 7,432 |
| Additional noninterest expense | $121,000 | 9,944 |
| Pre-tax net operating income | $598,000 | 6,930 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $229,000 | 5,845 |
| Income before extraordinary items | $369,000 | 7,421 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $369,000 | 7,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $369,000 | 7,343 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,154,000 | 8,840 |
| Total interest expense | $1,005,000 | 8,680 |
| Net interest income | $1,149,000 | 8,810 |
| Provision for loan and lease losses | $7,000 | 8,548 |
| Total noninterest income | $102,000 | 9,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $102,000 | 6,733 |
| Total noninterest expense | $745,000 | 9,240 |
| Salaries and employee benefits | $475,000 | 8,786 |
| Premises and equipment expense | $151,000 | 7,778 |
| Additional noninterest expense | $119,000 | 10,356 |
| Pre-tax net operating income | $499,000 | 7,919 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $185,000 | 7,103 |
| Income before extraordinary items | $314,000 | 8,263 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $314,000 | 8,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $3,097,000 | 303 |
| Net operating income | $314,000 | 8,222 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,943,000 | 9,452 |
| Total interest expense | $976,000 | 9,096 |
| Net interest income | $967,000 | 9,643 |
| Provision for loan and lease losses | $7,000 | 8,718 |
| Total noninterest income | $101,000 | 9,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $101,000 | 7,088 |
| Total noninterest expense | $853,000 | 9,223 |
| Salaries and employee benefits | $439,000 | 9,335 |
| Premises and equipment expense | $148,000 | 8,108 |
| Additional noninterest expense | $266,000 | 9,226 |
| Pre-tax net operating income | $208,000 | 9,740 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $81,000 | 9,119 |
| Income before extraordinary items | $127,000 | 9,984 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $127,000 | 9,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $127,000 | 9,930 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,885,000 | 9,906 |
| Total interest expense | $962,000 | 9,384 |
| Net interest income | $923,000 | 10,175 |
| Provision for loan and lease losses | $10,000 | 8,319 |
| Total noninterest income | $81,000 | 10,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $81,000 | 7,917 |
| Total noninterest expense | $669,000 | 10,303 |
| Salaries and employee benefits | $407,000 | 9,889 |
| Premises and equipment expense | $118,000 | 9,102 |
| Additional noninterest expense | $144,000 | 11,121 |
| Pre-tax net operating income | $325,000 | 9,574 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $163,000 | 8,046 |
| Income before extraordinary items | $162,000 | 10,346 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $162,000 | 10,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $162,000 | 10,325 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,735,000 | 10,295 |
| Total interest expense | $803,000 | 9,591 |
| Net interest income | $932,000 | 10,627 |
| Provision for loan and lease losses | $26,000 | 7,364 |
| Total noninterest income | $102,000 | 10,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $102,000 | 7,454 |
| Total noninterest expense | $668,000 | 10,834 |
| Salaries and employee benefits | $417,000 | 10,132 |
| Premises and equipment expense | $112,000 | 9,637 |
| Additional noninterest expense | $139,000 | 11,924 |
| Pre-tax net operating income | $340,000 | 9,817 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $49,000 | 10,496 |
| Income before extraordinary items | $291,000 | 9,243 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $291,000 | 9,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $291,000 | 9,311 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,658,000 | 10,892 |
| Total interest expense | $757,000 | 10,270 |
| Net interest income | $901,000 | 11,159 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $28,000 | 12,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $28,000 | 11,437 |
| Total noninterest expense | $579,000 | 11,754 |
| Salaries and employee benefits | $433,000 | 10,310 |
| Premises and equipment expense | $67,000 | 11,617 |
| Additional noninterest expense | $79,000 | 13,088 |
| Pre-tax net operating income | $340,000 | 9,894 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $113,000 | 9,447 |
| Income before extraordinary items | $227,000 | 10,311 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $227,000 | 10,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $227,000 | 10,068 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,714,000 | 11,492 |
| Total interest expense | $870,000 | 11,002 |
| Net interest income | $844,000 | 11,731 |
| Provision for loan and lease losses | $28,000 | 10,112 |
| Total noninterest income | $43,000 | 13,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $43,000 | 10,841 |
| Total noninterest expense | $507,000 | 12,598 |
| Salaries and employee benefits | $349,000 | 11,447 |
| Premises and equipment expense | $78,000 | 11,557 |
| Additional noninterest expense | $80,000 | 13,689 |
| Pre-tax net operating income | $352,000 | 9,667 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $159,000 | 8,397 |
| Income before extraordinary items | $193,000 | 10,690 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $193,000 | 10,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $193,000 | 10,356 |
* 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.