Home > First Federal Savings Bank of Iowa > Income and Expense
First Federal Savings Bank of Iowa, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,854,000 | 1,423 |
| Total interest expense | $1,114,000 | 1,137 |
| Net interest income | $3,740,000 | 1,494 |
| Provision for loan and lease losses | $150,000 | 2,302 |
| Total noninterest income | $1,599,000 | 930 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $607,000 | 585 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $992,000 | 906 |
| Total noninterest expense | $4,673,000 | 1,065 |
| Salaries and employee benefits | $2,015,000 | 1,291 |
| Premises and equipment expense | $430,000 | 1,386 |
| Additional noninterest expense | $2,228,000 | 772 |
| Pre-tax net operating income | $516,000 | 2,819 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $417,000 | 1,034 |
| Income before extraordinary items | $99,000 | 5,373 |
| Extraordinary gains, net | $45,000 | 10 |
| Net income | $144,000 | 4,918 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $144,000 | 4,919 |
| Net charge-offs | $12,000 | 3,957 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 521 |
| Net operating income | $99,000 | 5,220 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $20,415,000 | 1,394 |
| Total interest expense | $5,750,000 | 1,049 |
| Net interest income | $14,665,000 | 1,521 |
| Provision for loan and lease losses | $2,135,000 | 1,498 |
| Total noninterest income | $6,899,000 | 804 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $2,970,000 | 505 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $3,929,000 | 846 |
| Total noninterest expense | $16,029,000 | 1,230 |
| Salaries and employee benefits | $7,792,000 | 1,268 |
| Premises and equipment expense | $1,806,000 | 1,381 |
| Additional noninterest expense | $6,431,000 | 1,093 |
| Pre-tax net operating income | $3,400,000 | 1,640 |
| Securities gains (losses) | $136,000 | 1,790 |
| Applicable income taxes | $849,000 | 1,502 |
| Income before extraordinary items | $2,687,000 | 1,768 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,687,000 | 1,770 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,687,000 | 1,770 |
| Net charge-offs | $2,436,000 | 1,382 |
| Cash dividends | $10,200,000 | 231 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 777 |
| Net operating income | $2,583,640 | 1,750 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $15,419,000 | 1,410 |
| Total interest expense | $4,511,000 | 1,051 |
| Net interest income | $10,908,000 | 1,544 |
| Provision for loan and lease losses | $1,135,000 | 1,817 |
| Total noninterest income | $5,165,000 | 817 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $2,229,000 | 513 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $2,936,000 | 848 |
| Total noninterest expense | $12,010,000 | 1,228 |
| Salaries and employee benefits | $5,810,000 | 1,279 |
| Premises and equipment expense | $1,360,000 | 1,384 |
| Additional noninterest expense | $4,840,000 | 1,089 |
| Pre-tax net operating income | $2,928,000 | 1,520 |
| Securities gains (losses) | $116,000 | 1,650 |
| Applicable income taxes | $729,000 | 1,380 |
| Income before extraordinary items | $2,315,000 | 1,632 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,315,000 | 1,633 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,315,000 | 1,633 |
| Net charge-offs | $2,216,000 | 1,142 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 734 |
| Net operating income | $2,226,840 | 1,604 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $10,391,000 | 1,409 |
| Total interest expense | $3,162,000 | 1,045 |
| Net interest income | $7,229,000 | 1,554 |
| Provision for loan and lease losses | $785,000 | 1,753 |
| Total noninterest income | $3,219,000 | 869 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $1,447,000 | 519 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,772,000 | 908 |
| Total noninterest expense | $8,022,000 | 1,245 |
| Salaries and employee benefits | $3,781,000 | 1,320 |
| Premises and equipment expense | $931,000 | 1,357 |
| Additional noninterest expense | $3,310,000 | 1,079 |
| Pre-tax net operating income | $1,641,000 | 1,736 |
| Securities gains (losses) | $30,000 | 1,889 |
| Applicable income taxes | $395,000 | 1,537 |
| Income before extraordinary items | $1,276,000 | 1,855 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,276,000 | 1,855 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,276,000 | 1,855 |
| Net charge-offs | $1,060,000 | 1,420 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 677 |
| Net operating income | $1,253,200 | 1,817 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $5,219,000 | 1,404 |
| Total interest expense | $1,624,000 | 1,054 |
| Net interest income | $3,595,000 | 1,543 |
| Provision for loan and lease losses | $300,000 | 1,892 |
| Total noninterest income | $1,634,000 | 853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,071,000 | 365 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $563,000 | 1,251 |
| Total noninterest expense | $3,938,000 | 1,269 |
| Salaries and employee benefits | $1,930,000 | 1,302 |
| Premises and equipment expense | $867,000 | 740 |
| Additional noninterest expense | $1,141,000 | 1,522 |
| Pre-tax net operating income | $991,000 | 1,451 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $286,000 | 1,164 |
| Income before extraordinary items | $705,000 | 1,670 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $705,000 | 1,670 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $705,000 | 1,670 |
| Net charge-offs | $469,000 | 1,386 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 628 |
| Net operating income | $705,000 | 1,617 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $22,446,000 | 1,369 |
| Total interest expense | $7,829,000 | 1,056 |
| Net interest income | $14,617,000 | 1,529 |
| Provision for loan and lease losses | $4,091,000 | 1,319 |
| Total noninterest income | $7,694,000 | 776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $7,694,000 | 552 |
| Total noninterest expense | $15,937,000 | 1,260 |
| Salaries and employee benefits | $7,702,000 | 1,276 |
| Premises and equipment expense | $3,578,000 | 721 |
| Additional noninterest expense | $4,657,000 | 1,545 |
| Pre-tax net operating income | $2,283,000 | 2,025 |
| Securities gains (losses) | $8,000 | 3,363 |
| Applicable income taxes | $520,000 | 1,841 |
| Income before extraordinary items | $1,771,000 | 2,228 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,771,000 | 2,229 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,771,000 | 2,230 |
| Net charge-offs | $4,025,000 | 1,203 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 903 |
| Net operating income | $1,764,840 | 2,143 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $17,044,000 | 1,372 |
| Total interest expense | $5,992,000 | 1,074 |
| Net interest income | $11,052,000 | 1,539 |
| Provision for loan and lease losses | $2,578,000 | 1,403 |
| Total noninterest income | $5,691,000 | 762 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $5,691,000 | 527 |
| Total noninterest expense | $11,839,000 | 1,259 |
| Salaries and employee benefits | $5,741,000 | 1,291 |
| Premises and equipment expense | $2,748,000 | 709 |
| Additional noninterest expense | $3,350,000 | 1,588 |
| Pre-tax net operating income | $2,326,000 | 1,692 |
| Securities gains (losses) | $8,000 | 3,163 |
| Applicable income taxes | $620,000 | 1,444 |
| Income before extraordinary items | $1,714,000 | 1,929 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,714,000 | 1,930 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,714,000 | 1,931 |
| Net charge-offs | $2,906,000 | 1,166 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 850 |
| Net operating income | $1,708,160 | 1,834 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $11,514,000 | 1,374 |
| Total interest expense | $4,030,000 | 1,106 |
| Net interest income | $7,484,000 | 1,514 |
| Provision for loan and lease losses | $2,410,000 | 1,105 |
| Total noninterest income | $3,503,000 | 799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $3,503,000 | 539 |
| Total noninterest expense | $7,954,000 | 1,249 |
| Salaries and employee benefits | $3,825,000 | 1,290 |
| Premises and equipment expense | $1,821,000 | 725 |
| Additional noninterest expense | $2,308,000 | 1,540 |
| Pre-tax net operating income | $623,000 | 3,231 |
| Securities gains (losses) | $8,000 | 2,663 |
| Applicable income taxes | $98,000 | 2,806 |
| Income before extraordinary items | $533,000 | 3,297 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $533,000 | 3,293 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $533,000 | 3,296 |
| Net charge-offs | $2,730,000 | 893 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 787 |
| Net operating income | $526,280 | 3,206 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,850,000 | 1,389 |
| Total interest expense | $2,046,000 | 1,151 |
| Net interest income | $3,804,000 | 1,512 |
| Provision for loan and lease losses | $800,000 | 1,344 |
| Total noninterest income | $1,646,000 | 825 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,646,000 | 552 |
| Total noninterest expense | $3,751,000 | 1,337 |
| Salaries and employee benefits | $1,927,000 | 1,298 |
| Premises and equipment expense | $893,000 | 752 |
| Additional noninterest expense | $931,000 | 1,849 |
| Pre-tax net operating income | $899,000 | 1,454 |
| Securities gains (losses) | $8,000 | 1,783 |
| Applicable income taxes | $265,000 | 1,152 |
| Income before extraordinary items | $642,000 | 1,711 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $642,000 | 1,711 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $642,000 | 1,712 |
| Net charge-offs | $745,000 | 1,268 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 755 |
| Net operating income | $636,320 | 1,661 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $25,404,000 | 1,343 |
| Total interest expense | $10,415,000 | 1,143 |
| Net interest income | $14,989,000 | 1,500 |
| Provision for loan and lease losses | $2,450,000 | 2,211 |
| Total noninterest income | $6,834,000 | 858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $6,834,000 | 572 |
| Total noninterest expense | $15,216,000 | 1,348 |
| Salaries and employee benefits | $7,516,000 | 1,325 |
| Premises and equipment expense | $3,432,000 | 783 |
| Additional noninterest expense | $4,268,000 | 1,753 |
| Pre-tax net operating income | $4,157,000 | 1,003 |
| Securities gains (losses) | $654,000 | 723 |
| Applicable income taxes | $1,558,000 | 685 |
| Income before extraordinary items | $3,253,000 | 1,037 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,253,000 | 1,033 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $3,253,000 | 1,036 |
| Net charge-offs | $1,906,000 | 2,091 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $80,000 | 955 |
| Net operating income | $2,808,280 | 1,186 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $19,353,000 | 1,354 |
| Total interest expense | $8,201,000 | 1,137 |
| Net interest income | $11,152,000 | 1,510 |
| Provision for loan and lease losses | $1,220,000 | 2,498 |
| Total noninterest income | $5,384,000 | 822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $5,384,000 | 554 |
| Total noninterest expense | $11,505,000 | 1,328 |
| Salaries and employee benefits | $5,691,000 | 1,333 |
| Premises and equipment expense | $2,546,000 | 809 |
| Additional noninterest expense | $3,268,000 | 1,656 |
| Pre-tax net operating income | $3,811,000 | 885 |
| Securities gains (losses) | $277,000 | 1,054 |
| Applicable income taxes | $1,358,000 | 655 |
| Income before extraordinary items | $2,730,000 | 994 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,730,000 | 993 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,730,000 | 994 |
| Net charge-offs | $547,000 | 2,917 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 873 |
| Net operating income | $2,544,410 | 1,056 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $13,100,000 | 1,359 |
| Total interest expense | $5,770,000 | 1,142 |
| Net interest income | $7,330,000 | 1,532 |
| Provision for loan and lease losses | $770,000 | 2,380 |
| Total noninterest income | $3,519,000 | 843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $3,519,000 | 564 |
| Total noninterest expense | $7,792,000 | 1,340 |
| Salaries and employee benefits | $3,798,000 | 1,365 |
| Premises and equipment expense | $1,707,000 | 827 |
| Additional noninterest expense | $2,287,000 | 1,599 |
| Pre-tax net operating income | $2,287,000 | 998 |
| Securities gains (losses) | $271,000 | 823 |
| Applicable income taxes | $839,000 | 713 |
| Income before extraordinary items | $1,719,000 | 1,104 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,719,000 | 1,102 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,719,000 | 1,104 |
| Net charge-offs | $362,000 | 2,716 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 813 |
| Net operating income | $1,537,430 | 1,196 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,544,000 | 1,382 |
| Total interest expense | $3,070,000 | 1,121 |
| Net interest income | $3,474,000 | 1,610 |
| Provision for loan and lease losses | $160,000 | 3,128 |
| Total noninterest income | $1,438,000 | 969 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,438,000 | 647 |
| Total noninterest expense | $3,873,000 | 1,292 |
| Salaries and employee benefits | $1,912,000 | 1,357 |
| Premises and equipment expense | $874,000 | 813 |
| Additional noninterest expense | $1,087,000 | 1,486 |
| Pre-tax net operating income | $879,000 | 1,469 |
| Securities gains (losses) | $304,000 | 494 |
| Applicable income taxes | $373,000 | 884 |
| Income before extraordinary items | $810,000 | 1,353 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $810,000 | 1,355 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $810,000 | 1,355 |
| Net charge-offs | $142,000 | 2,474 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 624 |
| Net operating income | $603,280 | 1,689 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $28,622,000 | 1,358 |
| Total interest expense | $15,334,000 | 1,055 |
| Net interest income | $13,288,000 | 1,667 |
| Provision for loan and lease losses | $6,419,000 | 841 |
| Total noninterest income | $3,675,000 | 1,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,675,000 | 830 |
| Total noninterest expense | $18,383,000 | 1,075 |
| Salaries and employee benefits | $7,535,000 | 1,359 |
| Premises and equipment expense | $3,342,000 | 827 |
| Additional noninterest expense | $7,506,000 | 868 |
| Pre-tax net operating income | $-7,839,000 | 7,933 |
| Securities gains (losses) | $356,000 | 485 |
| Applicable income taxes | $-1,300,000 | 7,795 |
| Income before extraordinary items | $-6,183,000 | 7,878 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,183,000 | 7,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,214,000 | 1,213 |
| Cash dividends | $916,000 | 2,454 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 901 |
| Net operating income | $-6,478,480 | 7,930 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $21,768,000 | 1,355 |
| Total interest expense | $11,879,000 | 1,060 |
| Net interest income | $9,889,000 | 1,700 |
| Provision for loan and lease losses | $4,131,000 | 740 |
| Total noninterest income | $2,284,000 | 1,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,284,000 | 999 |
| Total noninterest expense | $10,096,000 | 1,436 |
| Salaries and employee benefits | $5,731,000 | 1,354 |
| Premises and equipment expense | $2,432,000 | 854 |
| Additional noninterest expense | $1,933,000 | 2,226 |
| Pre-tax net operating income | $-2,054,000 | 7,878 |
| Securities gains (losses) | $422,000 | 358 |
| Applicable income taxes | $1,201,000 | 1,006 |
| Income before extraordinary items | $-2,833,000 | 7,991 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,833,000 | 7,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 2,477 |
| Cash dividends | $916,000 | 1,933 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 780 |
| Net operating income | $-3,255,000 | 8,093 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,748,000 | 1,356 |
| Total interest expense | $8,201,000 | 1,067 |
| Net interest income | $6,547,000 | 1,710 |
| Provision for loan and lease losses | $220,000 | 3,001 |
| Total noninterest income | $731,000 | 2,768 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $731,000 | 1,733 |
| Total noninterest expense | $6,784,000 | 1,415 |
| Salaries and employee benefits | $3,933,000 | 1,319 |
| Premises and equipment expense | $1,580,000 | 876 |
| Additional noninterest expense | $1,271,000 | 2,232 |
| Pre-tax net operating income | $274,000 | 5,395 |
| Securities gains (losses) | $311,000 | 440 |
| Applicable income taxes | $691,000 | 1,242 |
| Income before extraordinary items | $-106,000 | 7,260 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-106,000 | 7,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 1,944 |
| Cash dividends | $916,000 | 1,531 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 692 |
| Net operating income | $-305,040 | 7,506 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,547,000 | 1,364 |
| Total interest expense | $4,301,000 | 1,089 |
| Net interest income | $3,246,000 | 1,712 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $1,212,000 | 1,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,212,000 | 736 |
| Total noninterest expense | $3,427,000 | 1,392 |
| Salaries and employee benefits | $2,028,000 | 1,293 |
| Premises and equipment expense | $807,000 | 858 |
| Additional noninterest expense | $592,000 | 2,339 |
| Pre-tax net operating income | $971,000 | 1,836 |
| Securities gains (losses) | $161,000 | 515 |
| Applicable income taxes | $308,000 | 1,447 |
| Income before extraordinary items | $824,000 | 1,770 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $824,000 | 1,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 2,501 |
| Cash dividends | $477,000 | 1,421 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 508 |
| Net operating income | $706,470 | 1,957 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $31,449,000 | 1,357 |
| Total interest expense | $18,177,000 | 1,079 |
| Net interest income | $13,272,000 | 1,703 |
| Provision for loan and lease losses | $655,000 | 1,936 |
| Total noninterest income | $6,147,000 | 929 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $6,147,000 | 582 |
| Total noninterest expense | $13,427,000 | 1,373 |
| Salaries and employee benefits | $7,874,000 | 1,263 |
| Premises and equipment expense | $2,815,000 | 925 |
| Additional noninterest expense | $2,738,000 | 2,010 |
| Pre-tax net operating income | $5,337,000 | 1,562 |
| Securities gains (losses) | $465,000 | 273 |
| Applicable income taxes | $1,716,000 | 1,280 |
| Income before extraordinary items | $4,086,000 | 1,558 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,086,000 | 1,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $681,000 | 1,360 |
| Cash dividends | $3,937,000 | 938 |
| Sale, conversion, retirement of capital stock, net | $224,000 | 723 |
| Net operating income | $3,760,500 | 1,670 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $23,654,000 | 1,360 |
| Total interest expense | $13,568,000 | 1,078 |
| Net interest income | $10,086,000 | 1,683 |
| Provision for loan and lease losses | $335,000 | 2,152 |
| Total noninterest income | $4,458,000 | 951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,458,000 | 593 |
| Total noninterest expense | $10,006,000 | 1,371 |
| Salaries and employee benefits | $5,955,000 | 1,257 |
| Premises and equipment expense | $2,039,000 | 941 |
| Additional noninterest expense | $2,012,000 | 1,991 |
| Pre-tax net operating income | $4,203,000 | 1,605 |
| Securities gains (losses) | $318,000 | 298 |
| Applicable income taxes | $1,366,000 | 1,311 |
| Income before extraordinary items | $3,155,000 | 1,607 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,155,000 | 1,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 2,678 |
| Cash dividends | $3,137,000 | 833 |
| Sale, conversion, retirement of capital stock, net | $170,000 | 633 |
| Net operating income | $2,932,400 | 1,709 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,572,000 | 1,393 |
| Total interest expense | $8,847,000 | 1,114 |
| Net interest income | $6,725,000 | 1,712 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $2,890,000 | 989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,890,000 | 624 |
| Total noninterest expense | $6,679,000 | 1,385 |
| Salaries and employee benefits | $4,013,000 | 1,268 |
| Premises and equipment expense | $1,344,000 | 973 |
| Additional noninterest expense | $1,322,000 | 2,036 |
| Pre-tax net operating income | $2,846,000 | 1,624 |
| Securities gains (losses) | $169,000 | 328 |
| Applicable income taxes | $896,000 | 1,376 |
| Income before extraordinary items | $2,119,000 | 1,635 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,119,000 | 1,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 2,314 |
| Cash dividends | $2,062,000 | 852 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 542 |
| Net operating income | $2,000,700 | 1,711 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,644,000 | 1,405 |
| Total interest expense | $4,284,000 | 1,139 |
| Net interest income | $3,360,000 | 1,718 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $1,395,000 | 1,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,395,000 | 632 |
| Total noninterest expense | $3,285,000 | 1,409 |
| Salaries and employee benefits | $2,015,000 | 1,277 |
| Premises and equipment expense | $664,000 | 992 |
| Additional noninterest expense | $606,000 | 2,176 |
| Pre-tax net operating income | $1,440,000 | 1,590 |
| Securities gains (losses) | $57,000 | 391 |
| Applicable income taxes | $437,000 | 1,429 |
| Income before extraordinary items | $1,060,000 | 1,624 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,060,000 | 1,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,916 |
| Cash dividends | $1,075,000 | 752 |
| Sale, conversion, retirement of capital stock, net | $91,000 | 373 |
| Net operating income | $1,019,530 | 1,677 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $29,243,000 | 1,360 |
| Total interest expense | $15,523,000 | 1,080 |
| Net interest income | $13,720,000 | 1,669 |
| Provision for loan and lease losses | $240,000 | 3,157 |
| Total noninterest income | $5,752,000 | 974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,752,000 | 614 |
| Total noninterest expense | $12,521,000 | 1,433 |
| Salaries and employee benefits | $7,335,000 | 1,335 |
| Premises and equipment expense | $2,632,000 | 955 |
| Additional noninterest expense | $2,554,000 | 2,064 |
| Pre-tax net operating income | $6,711,000 | 1,452 |
| Securities gains (losses) | $247,000 | 350 |
| Applicable income taxes | $2,103,000 | 1,276 |
| Income before extraordinary items | $4,855,000 | 1,499 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,855,000 | 1,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,872 |
| Cash dividends | $4,386,000 | 806 |
| Sale, conversion, retirement of capital stock, net | $340,000 | 657 |
| Net operating income | $4,682,100 | 1,532 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $21,510,000 | 1,381 |
| Total interest expense | $11,180,000 | 1,098 |
| Net interest income | $10,330,000 | 1,676 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $4,252,000 | 1,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,252,000 | 622 |
| Total noninterest expense | $9,363,000 | 1,440 |
| Salaries and employee benefits | $5,447,000 | 1,359 |
| Premises and equipment expense | $1,983,000 | 956 |
| Additional noninterest expense | $1,933,000 | 2,031 |
| Pre-tax net operating income | $5,039,000 | 1,499 |
| Securities gains (losses) | $166,000 | 357 |
| Applicable income taxes | $1,571,000 | 1,349 |
| Income before extraordinary items | $3,634,000 | 1,540 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,634,000 | 1,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,725 |
| Cash dividends | $3,386,000 | 750 |
| Sale, conversion, retirement of capital stock, net | $325,000 | 510 |
| Net operating income | $3,517,800 | 1,558 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,235,000 | 1,350 |
| Total interest expense | $7,181,000 | 1,079 |
| Net interest income | $7,054,000 | 1,641 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $2,860,000 | 983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,860,000 | 615 |
| Total noninterest expense | $6,263,000 | 1,442 |
| Salaries and employee benefits | $3,693,000 | 1,339 |
| Premises and equipment expense | $1,298,000 | 971 |
| Additional noninterest expense | $1,272,000 | 2,063 |
| Pre-tax net operating income | $3,531,000 | 1,430 |
| Securities gains (losses) | $98,000 | 358 |
| Applicable income taxes | $1,114,000 | 1,280 |
| Income before extraordinary items | $2,515,000 | 1,477 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,515,000 | 1,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,339 |
| Cash dividends | $2,279,000 | 734 |
| Sale, conversion, retirement of capital stock, net | $269,000 | 397 |
| Net operating income | $2,447,380 | 1,495 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,158,000 | 1,323 |
| Total interest expense | $3,500,000 | 1,039 |
| Net interest income | $3,658,000 | 1,562 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $1,356,000 | 1,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,356,000 | 644 |
| Total noninterest expense | $3,174,000 | 1,429 |
| Salaries and employee benefits | $1,907,000 | 1,299 |
| Premises and equipment expense | $667,000 | 950 |
| Additional noninterest expense | $600,000 | 2,156 |
| Pre-tax net operating income | $1,780,000 | 1,378 |
| Securities gains (losses) | $38,000 | 380 |
| Applicable income taxes | $575,000 | 1,238 |
| Income before extraordinary items | $1,243,000 | 1,464 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,243,000 | 1,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $1,125,000 | 679 |
| Sale, conversion, retirement of capital stock, net | $152,000 | 269 |
| Net operating income | $1,217,160 | 1,469 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $26,370,000 | 1,267 |
| Total interest expense | $12,812,000 | 878 |
| Net interest income | $13,558,000 | 1,617 |
| Provision for loan and lease losses | $260,000 | 3,084 |
| Total noninterest income | $5,677,000 | 988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,677,000 | 624 |
| Total noninterest expense | $11,714,000 | 1,472 |
| Salaries and employee benefits | $6,761,000 | 1,375 |
| Premises and equipment expense | $2,529,000 | 953 |
| Additional noninterest expense | $2,424,000 | 2,069 |
| Pre-tax net operating income | $7,261,000 | 1,319 |
| Securities gains (losses) | $291,000 | 418 |
| Applicable income taxes | $2,519,000 | 1,118 |
| Income before extraordinary items | $5,033,000 | 1,405 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,033,000 | 1,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,411 |
| Cash dividends | $4,375,000 | 748 |
| Sale, conversion, retirement of capital stock, net | $433,000 | 551 |
| Net operating income | $4,838,030 | 1,441 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,597,000 | 1,240 |
| Total interest expense | $9,383,000 | 848 |
| Net interest income | $10,214,000 | 1,593 |
| Provision for loan and lease losses | $180,000 | 3,127 |
| Total noninterest income | $4,389,000 | 965 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,389,000 | 610 |
| Total noninterest expense | $8,696,000 | 1,467 |
| Salaries and employee benefits | $4,968,000 | 1,392 |
| Premises and equipment expense | $1,889,000 | 940 |
| Additional noninterest expense | $1,839,000 | 2,026 |
| Pre-tax net operating income | $5,727,000 | 1,243 |
| Securities gains (losses) | $212,000 | 461 |
| Applicable income taxes | $2,077,000 | 1,032 |
| Income before extraordinary items | $3,862,000 | 1,388 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,862,000 | 1,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 2,470 |
| Cash dividends | $3,250,000 | 686 |
| Sale, conversion, retirement of capital stock, net | $312,000 | 449 |
| Net operating income | $3,724,200 | 1,412 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,931,000 | 1,211 |
| Total interest expense | $6,059,000 | 829 |
| Net interest income | $6,872,000 | 1,561 |
| Provision for loan and lease losses | $120,000 | 3,004 |
| Total noninterest income | $2,165,000 | 1,196 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,165,000 | 759 |
| Total noninterest expense | $5,692,000 | 1,487 |
| Salaries and employee benefits | $3,228,000 | 1,429 |
| Premises and equipment expense | $1,245,000 | 938 |
| Additional noninterest expense | $1,219,000 | 2,016 |
| Pre-tax net operating income | $3,225,000 | 1,449 |
| Securities gains (losses) | $117,000 | 525 |
| Applicable income taxes | $1,230,000 | 1,135 |
| Income before extraordinary items | $2,112,000 | 1,629 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,112,000 | 1,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,003 |
| Cash dividends | $2,125,000 | 679 |
| Sale, conversion, retirement of capital stock, net | $211,000 | 360 |
| Net operating income | $2,037,120 | 1,651 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,322,000 | 1,209 |
| Total interest expense | $2,932,000 | 819 |
| Net interest income | $3,390,000 | 1,566 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $1,058,000 | 1,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,058,000 | 751 |
| Total noninterest expense | $2,803,000 | 1,506 |
| Salaries and employee benefits | $1,597,000 | 1,450 |
| Premises and equipment expense | $629,000 | 943 |
| Additional noninterest expense | $577,000 | 2,127 |
| Pre-tax net operating income | $1,595,000 | 1,432 |
| Securities gains (losses) | $41,000 | 600 |
| Applicable income taxes | $556,000 | 1,226 |
| Income before extraordinary items | $1,080,000 | 1,559 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,080,000 | 1,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,412 |
| Cash dividends | $1,000,000 | 642 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 244 |
| Net operating income | $1,052,940 | 1,572 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $24,782,000 | 1,142 |
| Total interest expense | $11,484,000 | 725 |
| Net interest income | $13,298,000 | 1,524 |
| Provision for loan and lease losses | $240,000 | 3,319 |
| Total noninterest income | $5,829,000 | 945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,829,000 | 598 |
| Total noninterest expense | $11,213,000 | 1,449 |
| Salaries and employee benefits | $6,303,000 | 1,403 |
| Premises and equipment expense | $2,445,000 | 915 |
| Additional noninterest expense | $2,465,000 | 1,977 |
| Pre-tax net operating income | $7,674,000 | 1,143 |
| Securities gains (losses) | $254,000 | 715 |
| Applicable income taxes | $2,496,000 | 1,051 |
| Income before extraordinary items | $5,432,000 | 1,201 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,432,000 | 1,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,547 |
| Cash dividends | $4,500,000 | 676 |
| Sale, conversion, retirement of capital stock, net | $389,000 | 501 |
| Net operating income | $5,256,740 | 1,209 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,477,000 | 1,133 |
| Total interest expense | $8,570,000 | 706 |
| Net interest income | $9,907,000 | 1,523 |
| Provision for loan and lease losses | $185,000 | 3,119 |
| Total noninterest income | $4,410,000 | 944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,410,000 | 597 |
| Total noninterest expense | $8,293,000 | 1,469 |
| Salaries and employee benefits | $4,669,000 | 1,420 |
| Premises and equipment expense | $1,812,000 | 933 |
| Additional noninterest expense | $1,812,000 | 1,984 |
| Pre-tax net operating income | $5,839,000 | 1,132 |
| Securities gains (losses) | $195,000 | 773 |
| Applicable income taxes | $1,921,000 | 1,047 |
| Income before extraordinary items | $4,113,000 | 1,205 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,113,000 | 1,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 2,320 |
| Cash dividends | $3,500,000 | 615 |
| Sale, conversion, retirement of capital stock, net | $302,000 | 399 |
| Net operating income | $3,980,400 | 1,204 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,235,000 | 1,127 |
| Total interest expense | $5,681,000 | 699 |
| Net interest income | $6,554,000 | 1,515 |
| Provision for loan and lease losses | $110,000 | 3,324 |
| Total noninterest income | $2,962,000 | 939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,962,000 | 604 |
| Total noninterest expense | $5,531,000 | 1,462 |
| Salaries and employee benefits | $3,126,000 | 1,403 |
| Premises and equipment expense | $1,218,000 | 925 |
| Additional noninterest expense | $1,187,000 | 2,020 |
| Pre-tax net operating income | $3,875,000 | 1,112 |
| Securities gains (losses) | $127,000 | 887 |
| Applicable income taxes | $1,281,000 | 1,056 |
| Income before extraordinary items | $2,721,000 | 1,204 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,721,000 | 1,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 2,487 |
| Cash dividends | $2,500,000 | 580 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 416 |
| Net operating income | $2,634,640 | 1,196 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,086,000 | 1,146 |
| Total interest expense | $2,849,000 | 713 |
| Net interest income | $3,237,000 | 1,539 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $1,391,000 | 967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,391,000 | 619 |
| Total noninterest expense | $2,828,000 | 1,442 |
| Salaries and employee benefits | $1,609,000 | 1,376 |
| Premises and equipment expense | $623,000 | 916 |
| Additional noninterest expense | $596,000 | 1,984 |
| Pre-tax net operating income | $1,740,000 | 1,213 |
| Securities gains (losses) | $54,000 | 1,148 |
| Applicable income taxes | $577,000 | 1,162 |
| Income before extraordinary items | $1,217,000 | 1,324 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,217,000 | 1,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,092 |
| Cash dividends | $1,500,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,180,280 | 1,291 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $25,822,000 | 1,100 |
| Total interest expense | $12,409,000 | 708 |
| Net interest income | $13,413,000 | 1,445 |
| Provision for loan and lease losses | $255,000 | 3,498 |
| Total noninterest income | $5,937,000 | 985 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,937,000 | 664 |
| Total noninterest expense | $11,275,000 | 1,430 |
| Salaries and employee benefits | $6,673,000 | 1,281 |
| Premises and equipment expense | $2,298,000 | 999 |
| Additional noninterest expense | $2,304,000 | 2,093 |
| Pre-tax net operating income | $7,820,000 | 1,076 |
| Securities gains (losses) | $827,000 | 544 |
| Applicable income taxes | $2,749,000 | 984 |
| Income before extraordinary items | $5,898,000 | 1,095 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,898,000 | 1,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 3,057 |
| Cash dividends | $5,750,000 | 560 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,335,640 | 1,137 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $19,642,000 | 1,108 |
| Total interest expense | $9,408,000 | 731 |
| Net interest income | $10,234,000 | 1,440 |
| Provision for loan and lease losses | $195,000 | 3,379 |
| Total noninterest income | $4,240,000 | 1,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,240,000 | 723 |
| Total noninterest expense | $8,342,000 | 1,451 |
| Salaries and employee benefits | $4,948,000 | 1,321 |
| Premises and equipment expense | $1,676,000 | 1,034 |
| Additional noninterest expense | $1,718,000 | 2,095 |
| Pre-tax net operating income | $5,937,000 | 1,091 |
| Securities gains (losses) | $760,000 | 527 |
| Applicable income taxes | $2,130,000 | 1,011 |
| Income before extraordinary items | $4,567,000 | 1,099 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,567,000 | 1,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 2,955 |
| Cash dividends | $4,250,000 | 545 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,050,200 | 1,156 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,163,000 | 1,109 |
| Total interest expense | $6,334,000 | 752 |
| Net interest income | $6,829,000 | 1,433 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $2,739,000 | 1,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,739,000 | 722 |
| Total noninterest expense | $5,425,000 | 1,478 |
| Salaries and employee benefits | $3,217,000 | 1,356 |
| Premises and equipment expense | $1,092,000 | 1,058 |
| Additional noninterest expense | $1,116,000 | 2,144 |
| Pre-tax net operating income | $4,023,000 | 1,073 |
| Securities gains (losses) | $449,000 | 621 |
| Applicable income taxes | $1,403,000 | 1,043 |
| Income before extraordinary items | $3,069,000 | 1,091 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,069,000 | 1,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,954 |
| Cash dividends | $2,750,000 | 563 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,759,190 | 1,122 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,601,000 | 1,114 |
| Total interest expense | $3,188,000 | 762 |
| Net interest income | $3,413,000 | 1,432 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $1,266,000 | 1,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,266,000 | 750 |
| Total noninterest expense | $2,633,000 | 1,517 |
| Salaries and employee benefits | $1,597,000 | 1,358 |
| Premises and equipment expense | $523,000 | 1,109 |
| Additional noninterest expense | $513,000 | 2,284 |
| Pre-tax net operating income | $1,986,000 | 1,093 |
| Securities gains (losses) | $174,000 | 712 |
| Applicable income taxes | $635,000 | 1,146 |
| Income before extraordinary items | $1,525,000 | 1,088 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,525,000 | 1,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $1,250,000 | 562 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,401,460 | 1,102 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $27,244,000 | 1,134 |
| Total interest expense | $13,958,000 | 802 |
| Net interest income | $13,286,000 | 1,473 |
| Provision for loan and lease losses | $383,000 | 2,936 |
| Total noninterest income | $5,202,000 | 1,021 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,202,000 | 670 |
| Total noninterest expense | $9,949,000 | 1,552 |
| Salaries and employee benefits | $5,881,000 | 1,376 |
| Premises and equipment expense | $2,015,000 | 1,098 |
| Additional noninterest expense | $2,053,000 | 2,249 |
| Pre-tax net operating income | $8,156,000 | 1,036 |
| Securities gains (losses) | $719,000 | 518 |
| Applicable income taxes | $2,974,000 | 929 |
| Income before extraordinary items | $5,901,000 | 1,062 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,901,000 | 1,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,629 |
| Cash dividends | $5,000,000 | 609 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,426,460 | 1,114 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $27,632,000 | 1,244 |
| Total interest expense | $16,564,000 | 968 |
| Net interest income | $11,068,000 | 1,610 |
| Provision for loan and lease losses | $210,000 | 4,019 |
| Total noninterest income | $4,598,000 | 1,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,598,000 | 697 |
| Total noninterest expense | $9,331,000 | 1,569 |
| Salaries and employee benefits | $5,018,000 | 1,508 |
| Premises and equipment expense | $1,936,000 | 1,099 |
| Additional noninterest expense | $2,377,000 | 1,898 |
| Pre-tax net operating income | $6,125,000 | 1,224 |
| Securities gains (losses) | $780,000 | 468 |
| Applicable income taxes | $2,381,000 | 1,015 |
| Income before extraordinary items | $4,524,000 | 1,205 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,524,000 | 1,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 3,106 |
| Cash dividends | $4,750,000 | 647 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,009,200 | 1,302 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $27,292,000 | 1,300 |
| Total interest expense | $16,799,000 | 1,051 |
| Net interest income | $10,493,000 | 1,678 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $4,142,000 | 1,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $4,142,000 | 704 |
| Total noninterest expense | $8,799,000 | 1,602 |
| Salaries and employee benefits | $4,525,000 | 1,573 |
| Premises and equipment expense | $1,788,000 | 1,118 |
| Additional noninterest expense | $2,486,000 | 1,784 |
| Pre-tax net operating income | $5,716,000 | 1,286 |
| Securities gains (losses) | $243,000 | 375 |
| Applicable income taxes | $1,909,000 | 1,211 |
| Income before extraordinary items | $4,050,000 | 1,297 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,050,000 | 1,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,920 |
| Cash dividends | $7,100,000 | 478 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,884,760 | 1,349 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $24,692,000 | 1,313 |
| Total interest expense | $13,857,000 | 1,095 |
| Net interest income | $10,835,000 | 1,606 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $3,950,000 | 1,104 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,950,000 | 752 |
| Total noninterest expense | $8,631,000 | 1,591 |
| Salaries and employee benefits | $4,450,000 | 1,559 |
| Premises and equipment expense | $1,664,000 | 1,216 |
| Additional noninterest expense | $2,517,000 | 1,763 |
| Pre-tax net operating income | $6,034,000 | 1,269 |
| Securities gains (losses) | $370,000 | 407 |
| Applicable income taxes | $2,233,000 | 1,116 |
| Income before extraordinary items | $4,171,000 | 1,302 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,171,000 | 1,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,803 |
| Cash dividends | $12,398,000 | 336 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,930,500 | 1,350 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,695,000 | 1,366 |
| Total interest expense | $13,044,000 | 1,192 |
| Net interest income | $10,651,000 | 1,590 |
| Provision for loan and lease losses | $210,000 | 3,403 |
| Total noninterest income | $3,777,000 | 1,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,777,000 | 784 |
| Total noninterest expense | $7,664,000 | 1,707 |
| Salaries and employee benefits | $3,898,000 | 1,699 |
| Premises and equipment expense | $1,554,000 | 1,232 |
| Additional noninterest expense | $2,212,000 | 1,912 |
| Pre-tax net operating income | $6,554,000 | 1,144 |
| Securities gains (losses) | $351,000 | 684 |
| Applicable income taxes | $2,511,000 | 1,014 |
| Income before extraordinary items | $4,394,000 | 1,216 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,394,000 | 1,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,077 |
| Cash dividends | $3,295,000 | 912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,169,360 | 1,232 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,267,000 | 2,001 |
| Total interest expense | $8,205,000 | 1,883 |
| Net interest income | $8,062,000 | 2,180 |
| Provision for loan and lease losses | $240,000 | 3,015 |
| Total noninterest income | $2,495,000 | 1,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,495,000 | 948 |
| Total noninterest expense | $4,488,000 | 2,829 |
| Salaries and employee benefits | $2,495,000 | 2,651 |
| Premises and equipment expense | $882,000 | 2,228 |
| Additional noninterest expense | $1,111,000 | 3,572 |
| Pre-tax net operating income | $5,829,000 | 1,330 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $2,030,000 | 1,310 |
| Income before extraordinary items | $3,804,000 | 1,430 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,804,000 | 1,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,092 |
| Cash dividends | $10,000,000 | 363 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,800,750 | 1,397 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,129,000 | 2,232 |
| Total interest expense | $7,345,000 | 2,133 |
| Net interest income | $7,784,000 | 2,314 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $2,016,000 | 1,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,016,000 | 1,152 |
| Total noninterest expense | $4,839,000 | 2,823 |
| Salaries and employee benefits | $2,213,000 | 3,016 |
| Premises and equipment expense | $744,000 | 2,622 |
| Additional noninterest expense | $1,882,000 | 2,596 |
| Pre-tax net operating income | $4,721,000 | 1,540 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,662,000 | 1,453 |
| Income before extraordinary items | $3,059,000 | 1,631 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,059,000 | 1,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,621 |
| Cash dividends | $111,000 | 6,510 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 853 |
| Net operating income | $3,059,000 | 1,597 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,956,000 | 2,575 |
| Total interest expense | $7,073,000 | 2,203 |
| Net interest income | $5,883,000 | 3,026 |
| Provision for loan and lease losses | $250,000 | 2,552 |
| Total noninterest income | $1,345,000 | 2,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,345,000 | 1,463 |
| Total noninterest expense | $3,303,000 | 3,947 |
| Salaries and employee benefits | $1,585,000 | 4,079 |
| Premises and equipment expense | $645,000 | 3,023 |
| Additional noninterest expense | $1,073,000 | 4,112 |
| Pre-tax net operating income | $3,675,000 | 2,004 |
| Securities gains (losses) | $182,000 | 712 |
| Applicable income taxes | $1,354,000 | 1,806 |
| Income before extraordinary items | $2,503,000 | 2,021 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,503,000 | 2,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,894 |
| Cash dividends | $1,024,000 | 1,980 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,384,700 | 2,081 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,466,000 | 2,645 |
| Total interest expense | $6,051,000 | 2,061 |
| Net interest income | $5,415,000 | 3,311 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $1,170,000 | 2,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,170,000 | 1,660 |
| Total noninterest expense | $2,999,000 | 4,407 |
| Salaries and employee benefits | $1,450,000 | 4,404 |
| Premises and equipment expense | $627,000 | 3,143 |
| Additional noninterest expense | $922,000 | 5,072 |
| Pre-tax net operating income | $3,346,000 | 2,130 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $1,171,000 | 1,920 |
| Income before extraordinary items | $2,180,000 | 2,242 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,180,000 | 2,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $158,000 | 5,975 |
| Sale, conversion, retirement of capital stock, net | $11,495,000 | 92 |
| Net operating income | $2,176,750 | 2,264 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,719,000 | 2,637 |
| Total interest expense | $6,619,000 | 1,956 |
| Net interest income | $5,100,000 | 3,501 |
| Provision for loan and lease losses | $240,000 | 3,470 |
| Total noninterest income | $1,058,000 | 3,196 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,058,000 | 1,958 |
| Total noninterest expense | $2,726,000 | 4,886 |
| Salaries and employee benefits | $1,344,000 | 4,736 |
| Premises and equipment expense | $645,000 | 3,107 |
| Additional noninterest expense | $737,000 | 6,316 |
| Pre-tax net operating income | $3,192,000 | 2,137 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $1,121,000 | 2,040 |
| Income before extraordinary items | $2,079,000 | 2,406 |
| Extraordinary gains, net | $122,000 | 1,411 |
| Net income | $2,201,000 | 2,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 7,969 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,073,800 | 2,265 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,593,000 | 2,788 |
| Total interest expense | $7,967,000 | 2,137 |
| Net interest income | $4,626,000 | 3,898 |
| Provision for loan and lease losses | $240,000 | 4,686 |
| Total noninterest income | $934,000 | 3,518 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $934,000 | 2,097 |
| Total noninterest expense | $2,654,000 | 5,026 |
| Salaries and employee benefits | $1,291,000 | 4,850 |
| Premises and equipment expense | $624,000 | 3,232 |
| Additional noninterest expense | $739,000 | 6,491 |
| Pre-tax net operating income | $2,666,000 | 2,316 |
| Securities gains (losses) | $-17,000 | 13,435 |
| Applicable income taxes | $939,000 | 2,230 |
| Income before extraordinary items | $1,710,000 | 2,691 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,710,000 | 2,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 9,616 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,721,050 | 2,470 |
* 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.