Home > First Financial Bank > Income and Expense
First Financial Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,712,000 | 3,308 |
| Total interest expense | $286,000 | 5,761 |
| Net interest income | $5,426,000 | 2,949 |
| Provision for loan and lease losses | $335,000 | 2,826 |
| Total noninterest income | $1,308,000 | 2,395 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $770,000 | 1,390 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $538,000 | 2,837 |
| Total noninterest expense | $3,519,000 | 3,665 |
| Salaries and employee benefits | $1,376,000 | 4,368 |
| Premises and equipment expense | $499,000 | 3,177 |
| Additional noninterest expense | $1,644,000 | 2,882 |
| Pre-tax net operating income | $2,880,000 | 1,753 |
| Securities gains (losses) | $163,000 | 1,593 |
| Applicable income taxes | $759,000 | 1,496 |
| Income before extraordinary items | $2,284,000 | 1,875 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,284,000 | 1,874 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,284,000 | 1,876 |
| Net charge-offs | $109,000 | 3,885 |
| Cash dividends | $1,400,000 | 1,048 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 851 |
| Net operating income | $2,161,750 | 1,851 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,742,000 | 3,371 |
| Total interest expense | $194,000 | 5,823 |
| Net interest income | $3,548,000 | 3,013 |
| Provision for loan and lease losses | $140,000 | 3,468 |
| Total noninterest income | $846,000 | 2,410 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $488,000 | 1,448 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $358,000 | 2,816 |
| Total noninterest expense | $2,324,000 | 3,706 |
| Salaries and employee benefits | $907,000 | 4,420 |
| Premises and equipment expense | $329,000 | 3,208 |
| Additional noninterest expense | $1,088,000 | 2,914 |
| Pre-tax net operating income | $1,930,000 | 1,729 |
| Securities gains (losses) | $26,000 | 2,391 |
| Applicable income taxes | $480,000 | 1,537 |
| Income before extraordinary items | $1,476,000 | 1,911 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,476,000 | 1,910 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,476,000 | 1,911 |
| Net charge-offs | $93,000 | 3,485 |
| Cash dividends | $1,000,000 | 957 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 863 |
| Net operating income | $1,456,500 | 1,841 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,797,000 | 3,497 |
| Total interest expense | $99,000 | 5,891 |
| Net interest income | $1,698,000 | 3,133 |
| Provision for loan and lease losses | $60,000 | 3,447 |
| Total noninterest income | $431,000 | 2,371 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $233,000 | 1,496 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $198,000 | 2,679 |
| Total noninterest expense | $1,134,000 | 3,783 |
| Salaries and employee benefits | $446,000 | 4,494 |
| Premises and equipment expense | $150,000 | 3,460 |
| Additional noninterest expense | $538,000 | 2,913 |
| Pre-tax net operating income | $935,000 | 1,776 |
| Securities gains (losses) | $7,000 | 1,852 |
| Applicable income taxes | $228,000 | 1,579 |
| Income before extraordinary items | $714,000 | 1,982 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $714,000 | 1,983 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $714,000 | 1,984 |
| Net charge-offs | $74,000 | 2,709 |
| Cash dividends | $500,000 | 850 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 805 |
| Net operating income | $708,680 | 1,890 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,263,000 | 3,581 |
| Total interest expense | $523,000 | 5,762 |
| Net interest income | $6,740,000 | 3,168 |
| Provision for loan and lease losses | $216,000 | 4,547 |
| Total noninterest income | $1,285,000 | 2,675 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,057,000 | 1,404 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $228,000 | 4,270 |
| Total noninterest expense | $4,315,000 | 3,911 |
| Salaries and employee benefits | $1,782,000 | 4,480 |
| Premises and equipment expense | $581,000 | 3,663 |
| Additional noninterest expense | $1,952,000 | 3,206 |
| Pre-tax net operating income | $3,494,000 | 1,602 |
| Securities gains (losses) | $22,000 | 3,042 |
| Applicable income taxes | $828,000 | 1,522 |
| Income before extraordinary items | $2,688,000 | 1,767 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,688,000 | 1,769 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,688,000 | 1,769 |
| Net charge-offs | $126,000 | 4,763 |
| Cash dividends | $1,775,000 | 1,067 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 929 |
| Net operating income | $2,671,280 | 1,699 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,396,000 | 3,650 |
| Total interest expense | $414,000 | 5,784 |
| Net interest income | $4,982,000 | 3,221 |
| Provision for loan and lease losses | $141,000 | 4,567 |
| Total noninterest income | $837,000 | 2,922 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $800,000 | 1,393 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $37,000 | 6,042 |
| Total noninterest expense | $3,220,000 | 3,933 |
| Salaries and employee benefits | $1,365,000 | 4,410 |
| Premises and equipment expense | $429,000 | 3,746 |
| Additional noninterest expense | $1,426,000 | 3,282 |
| Pre-tax net operating income | $2,458,000 | 1,758 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $561,000 | 1,633 |
| Income before extraordinary items | $1,897,000 | 1,920 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,897,000 | 1,920 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,897,000 | 1,920 |
| Net charge-offs | $40,000 | 5,124 |
| Cash dividends | $1,275,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 864 |
| Net operating income | $1,897,000 | 1,826 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,556,000 | 3,715 |
| Total interest expense | $294,000 | 5,775 |
| Net interest income | $3,262,000 | 3,280 |
| Provision for loan and lease losses | $99,000 | 4,429 |
| Total noninterest income | $386,000 | 3,626 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $529,000 | 1,383 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-143,000 | 7,238 |
| Total noninterest expense | $2,106,000 | 4,034 |
| Salaries and employee benefits | $875,000 | 4,572 |
| Premises and equipment expense | $278,000 | 3,847 |
| Additional noninterest expense | $953,000 | 3,323 |
| Pre-tax net operating income | $1,443,000 | 1,946 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $307,000 | 1,767 |
| Income before extraordinary items | $1,136,000 | 2,042 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,136,000 | 2,042 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,136,000 | 2,042 |
| Net charge-offs | $29,000 | 4,847 |
| Cash dividends | $800,000 | 975 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 857 |
| Net operating income | $1,136,000 | 1,978 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,761,000 | 3,768 |
| Total interest expense | $155,000 | 5,780 |
| Net interest income | $1,606,000 | 3,300 |
| Provision for loan and lease losses | $46,000 | 4,243 |
| Total noninterest income | $429,000 | 2,240 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $256,000 | 1,403 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $173,000 | 2,680 |
| Total noninterest expense | $1,087,000 | 3,966 |
| Salaries and employee benefits | $477,000 | 4,364 |
| Premises and equipment expense | $137,000 | 3,939 |
| Additional noninterest expense | $473,000 | 3,320 |
| Pre-tax net operating income | $902,000 | 1,586 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $217,000 | 1,428 |
| Income before extraordinary items | $685,000 | 1,710 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $685,000 | 1,710 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $685,000 | 1,710 |
| Net charge-offs | $-4,000 | 6,688 |
| Cash dividends | $400,000 | 888 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 788 |
| Net operating income | $685,000 | 1,661 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,679,000 | 4,031 |
| Total interest expense | $813,000 | 5,679 |
| Net interest income | $5,866,000 | 3,530 |
| Provision for loan and lease losses | $145,000 | 5,683 |
| Total noninterest income | $1,773,000 | 2,249 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,107,000 | 1,375 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $666,000 | 2,767 |
| Total noninterest expense | $4,126,000 | 4,130 |
| Salaries and employee benefits | $1,806,000 | 4,519 |
| Premises and equipment expense | $546,000 | 3,970 |
| Additional noninterest expense | $1,774,000 | 3,567 |
| Pre-tax net operating income | $3,368,000 | 1,468 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $865,000 | 1,362 |
| Income before extraordinary items | $2,503,000 | 1,647 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,503,000 | 1,647 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,503,000 | 1,649 |
| Net charge-offs | $124,000 | 5,240 |
| Cash dividends | $1,825,000 | 890 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,093 |
| Net operating income | $2,503,000 | 1,587 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,916,000 | 4,163 |
| Total interest expense | $630,000 | 5,767 |
| Net interest income | $4,286,000 | 3,652 |
| Provision for loan and lease losses | $97,000 | 5,717 |
| Total noninterest income | $1,297,000 | 2,315 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $827,000 | 1,415 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $470,000 | 2,855 |
| Total noninterest expense | $3,035,000 | 4,195 |
| Salaries and employee benefits | $1,323,000 | 4,627 |
| Premises and equipment expense | $415,000 | 4,004 |
| Additional noninterest expense | $1,297,000 | 3,606 |
| Pre-tax net operating income | $2,451,000 | 1,612 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $632,000 | 1,428 |
| Income before extraordinary items | $1,819,000 | 1,809 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,819,000 | 1,810 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,819,000 | 1,811 |
| Net charge-offs | $87,000 | 5,044 |
| Cash dividends | $1,475,000 | 761 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,017 |
| Net operating income | $1,819,000 | 1,718 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,255,000 | 4,213 |
| Total interest expense | $414,000 | 5,882 |
| Net interest income | $2,841,000 | 3,663 |
| Provision for loan and lease losses | $47,000 | 5,918 |
| Total noninterest income | $858,000 | 2,267 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $543,000 | 1,449 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $315,000 | 2,770 |
| Total noninterest expense | $1,963,000 | 4,295 |
| Salaries and employee benefits | $886,000 | 4,629 |
| Premises and equipment expense | $273,000 | 4,054 |
| Additional noninterest expense | $804,000 | 3,786 |
| Pre-tax net operating income | $1,689,000 | 1,533 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $441,000 | 1,346 |
| Income before extraordinary items | $1,248,000 | 1,744 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,248,000 | 1,743 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,248,000 | 1,744 |
| Net charge-offs | $34,000 | 5,177 |
| Cash dividends | $975,000 | 755 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 978 |
| Net operating income | $1,248,000 | 1,666 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,614,000 | 4,301 |
| Total interest expense | $205,000 | 6,022 |
| Net interest income | $1,409,000 | 3,720 |
| Provision for loan and lease losses | $30,000 | 5,300 |
| Total noninterest income | $406,000 | 2,342 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $255,000 | 1,532 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $151,000 | 2,834 |
| Total noninterest expense | $975,000 | 4,355 |
| Salaries and employee benefits | $427,000 | 4,811 |
| Premises and equipment expense | $139,000 | 4,082 |
| Additional noninterest expense | $409,000 | 3,743 |
| Pre-tax net operating income | $810,000 | 1,599 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $208,000 | 1,387 |
| Income before extraordinary items | $602,000 | 1,820 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $602,000 | 1,819 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $602,000 | 1,821 |
| Net charge-offs | $22,000 | 4,360 |
| Cash dividends | $475,000 | 723 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 934 |
| Net operating income | $602,000 | 1,746 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,681,000 | 4,307 |
| Total interest expense | $845,000 | 6,370 |
| Net interest income | $5,836,000 | 3,548 |
| Provision for loan and lease losses | $248,000 | 5,529 |
| Total noninterest income | $1,837,000 | 2,245 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,262,000 | 1,368 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $575,000 | 2,961 |
| Total noninterest expense | $4,221,000 | 4,196 |
| Salaries and employee benefits | $2,026,000 | 4,321 |
| Premises and equipment expense | $544,000 | 4,157 |
| Additional noninterest expense | $1,651,000 | 3,825 |
| Pre-tax net operating income | $3,204,000 | 1,252 |
| Securities gains (losses) | $86,000 | 2,267 |
| Applicable income taxes | $870,000 | 1,065 |
| Income before extraordinary items | $2,420,000 | 1,381 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,420,000 | 1,380 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,420,000 | 1,381 |
| Net charge-offs | $39,000 | 6,357 |
| Cash dividends | $1,725,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,224 |
| Net operating income | $2,356,360 | 1,391 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,041,000 | 4,340 |
| Total interest expense | $652,000 | 6,439 |
| Net interest income | $4,389,000 | 3,537 |
| Provision for loan and lease losses | $183,000 | 5,265 |
| Total noninterest income | $1,361,000 | 2,325 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $943,000 | 1,372 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $418,000 | 3,104 |
| Total noninterest expense | $3,096,000 | 4,270 |
| Salaries and employee benefits | $1,427,000 | 4,541 |
| Premises and equipment expense | $411,000 | 4,178 |
| Additional noninterest expense | $1,258,000 | 3,753 |
| Pre-tax net operating income | $2,471,000 | 1,306 |
| Securities gains (losses) | $48,000 | 2,327 |
| Applicable income taxes | $676,000 | 1,123 |
| Income before extraordinary items | $1,843,000 | 1,456 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,843,000 | 1,454 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,843,000 | 1,456 |
| Net charge-offs | $21,000 | 6,217 |
| Cash dividends | $850,000 | 1,436 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,137 |
| Net operating income | $1,807,960 | 1,448 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,316,000 | 4,422 |
| Total interest expense | $466,000 | 6,418 |
| Net interest income | $2,850,000 | 3,601 |
| Provision for loan and lease losses | $83,000 | 5,553 |
| Total noninterest income | $863,000 | 2,409 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $597,000 | 1,428 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $266,000 | 3,193 |
| Total noninterest expense | $2,040,000 | 4,332 |
| Salaries and employee benefits | $909,000 | 4,719 |
| Premises and equipment expense | $268,000 | 4,275 |
| Additional noninterest expense | $863,000 | 3,672 |
| Pre-tax net operating income | $1,590,000 | 1,443 |
| Securities gains (losses) | $48,000 | 1,930 |
| Applicable income taxes | $447,000 | 1,177 |
| Income before extraordinary items | $1,191,000 | 1,562 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,191,000 | 1,559 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,191,000 | 1,561 |
| Net charge-offs | $15,000 | 5,781 |
| Cash dividends | $400,000 | 1,856 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,136 |
| Net operating income | $1,155,960 | 1,588 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,627,000 | 4,519 |
| Total interest expense | $252,000 | 6,360 |
| Net interest income | $1,375,000 | 3,689 |
| Provision for loan and lease losses | $45,000 | 4,992 |
| Total noninterest income | $405,000 | 2,489 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $275,000 | 1,491 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $130,000 | 3,212 |
| Total noninterest expense | $985,000 | 4,343 |
| Salaries and employee benefits | $449,000 | 4,800 |
| Premises and equipment expense | $136,000 | 4,268 |
| Additional noninterest expense | $400,000 | 3,578 |
| Pre-tax net operating income | $750,000 | 1,706 |
| Securities gains (losses) | $40,000 | 1,393 |
| Applicable income taxes | $223,000 | 1,340 |
| Income before extraordinary items | $567,000 | 1,898 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $567,000 | 1,900 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $567,000 | 1,900 |
| Net charge-offs | $28,000 | 4,069 |
| Cash dividends | $400,000 | 1,067 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,009 |
| Net operating income | $538,200 | 1,875 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,183,000 | 4,410 |
| Total interest expense | $1,961,000 | 5,353 |
| Net interest income | $5,222,000 | 3,824 |
| Provision for loan and lease losses | $142,000 | 5,633 |
| Total noninterest income | $1,686,000 | 2,415 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,149,000 | 1,557 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $537,000 | 3,067 |
| Total noninterest expense | $3,730,000 | 4,451 |
| Salaries and employee benefits | $1,886,000 | 4,659 |
| Premises and equipment expense | $480,000 | 4,569 |
| Additional noninterest expense | $1,364,000 | 3,880 |
| Pre-tax net operating income | $3,036,000 | 1,775 |
| Securities gains (losses) | $2,000 | 2,962 |
| Applicable income taxes | $870,000 | 1,324 |
| Income before extraordinary items | $2,168,000 | 1,845 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,168,000 | 1,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,880 |
| Cash dividends | $1,750,000 | 1,515 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 1,307 |
| Net operating income | $2,166,580 | 1,967 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,438,000 | 4,443 |
| Total interest expense | $1,601,000 | 5,270 |
| Net interest income | $3,837,000 | 3,902 |
| Provision for loan and lease losses | $92,000 | 5,243 |
| Total noninterest income | $1,287,000 | 2,460 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $851,000 | 1,581 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $436,000 | 3,042 |
| Total noninterest expense | $2,731,000 | 4,501 |
| Salaries and employee benefits | $1,377,000 | 4,743 |
| Premises and equipment expense | $343,000 | 4,721 |
| Additional noninterest expense | $1,011,000 | 3,833 |
| Pre-tax net operating income | $2,301,000 | 2,067 |
| Securities gains (losses) | $2,000 | 2,845 |
| Applicable income taxes | $665,000 | 1,587 |
| Income before extraordinary items | $1,638,000 | 2,153 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,638,000 | 2,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,098 |
| Cash dividends | $1,300,000 | 1,485 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,146 |
| Net operating income | $1,636,580 | 2,258 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,650,000 | 4,492 |
| Total interest expense | $1,160,000 | 5,211 |
| Net interest income | $2,490,000 | 3,979 |
| Provision for loan and lease losses | $60,000 | 4,901 |
| Total noninterest income | $829,000 | 2,556 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $556,000 | 1,586 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $273,000 | 3,191 |
| Total noninterest expense | $1,755,000 | 4,646 |
| Salaries and employee benefits | $882,000 | 4,898 |
| Premises and equipment expense | $221,000 | 4,859 |
| Additional noninterest expense | $652,000 | 3,918 |
| Pre-tax net operating income | $1,504,000 | 2,194 |
| Securities gains (losses) | $2,000 | 2,957 |
| Applicable income taxes | $436,000 | 1,764 |
| Income before extraordinary items | $1,070,000 | 2,433 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,070,000 | 2,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,007 |
| Cash dividends | $900,000 | 1,547 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,064 |
| Net operating income | $1,068,580 | 2,384 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,883,000 | 4,507 |
| Total interest expense | $648,000 | 5,082 |
| Net interest income | $1,235,000 | 4,019 |
| Provision for loan and lease losses | $24,000 | 4,755 |
| Total noninterest income | $422,000 | 2,512 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $282,000 | 1,553 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $140,000 | 3,158 |
| Total noninterest expense | $884,000 | 4,630 |
| Salaries and employee benefits | $440,000 | 4,951 |
| Premises and equipment expense | $110,000 | 4,886 |
| Additional noninterest expense | $334,000 | 3,798 |
| Pre-tax net operating income | $749,000 | 2,288 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $217,000 | 1,865 |
| Income before extraordinary items | $532,000 | 2,552 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $532,000 | 2,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,531 |
| Cash dividends | $450,000 | 1,464 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 944 |
| Net operating income | $532,000 | 2,480 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,892,000 | 4,397 |
| Total interest expense | $3,191,000 | 4,616 |
| Net interest income | $4,701,000 | 4,185 |
| Provision for loan and lease losses | $240,000 | 3,573 |
| Total noninterest income | $1,601,000 | 2,585 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,129,000 | 1,584 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $472,000 | 3,417 |
| Total noninterest expense | $3,304,000 | 4,702 |
| Salaries and employee benefits | $1,604,000 | 5,095 |
| Premises and equipment expense | $442,000 | 4,727 |
| Additional noninterest expense | $1,258,000 | 3,942 |
| Pre-tax net operating income | $2,758,000 | 2,612 |
| Securities gains (losses) | $10,000 | 1,349 |
| Applicable income taxes | $801,000 | 2,136 |
| Income before extraordinary items | $1,967,000 | 2,858 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,967,000 | 2,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,049 |
| Cash dividends | $1,775,000 | 1,774 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,223 |
| Net operating income | $1,959,900 | 2,853 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,901,000 | 4,419 |
| Total interest expense | $2,435,000 | 4,562 |
| Net interest income | $3,466,000 | 4,242 |
| Provision for loan and lease losses | $95,000 | 4,180 |
| Total noninterest income | $1,172,000 | 2,635 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $834,000 | 1,586 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $338,000 | 3,528 |
| Total noninterest expense | $2,485,000 | 4,685 |
| Salaries and employee benefits | $1,191,000 | 5,118 |
| Premises and equipment expense | $324,000 | 4,778 |
| Additional noninterest expense | $970,000 | 3,795 |
| Pre-tax net operating income | $2,058,000 | 2,780 |
| Securities gains (losses) | $-5,000 | 7,616 |
| Applicable income taxes | $589,000 | 2,320 |
| Income before extraordinary items | $1,464,000 | 3,022 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,464,000 | 3,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,329 |
| Cash dividends | $1,325,000 | 1,654 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,085 |
| Net operating income | $1,467,550 | 3,001 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,869,000 | 4,494 |
| Total interest expense | $1,591,000 | 4,604 |
| Net interest income | $2,278,000 | 4,313 |
| Provision for loan and lease losses | $20,000 | 5,312 |
| Total noninterest income | $763,000 | 2,674 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $542,000 | 1,629 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $221,000 | 3,596 |
| Total noninterest expense | $1,649,000 | 4,704 |
| Salaries and employee benefits | $790,000 | 5,174 |
| Premises and equipment expense | $215,000 | 4,801 |
| Additional noninterest expense | $644,000 | 3,799 |
| Pre-tax net operating income | $1,372,000 | 2,844 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $394,000 | 2,397 |
| Income before extraordinary items | $978,000 | 3,088 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $978,000 | 3,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,861 |
| Cash dividends | $875,000 | 1,715 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,000 |
| Net operating income | $978,000 | 3,069 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,906,000 | 4,532 |
| Total interest expense | $788,000 | 4,610 |
| Net interest income | $1,118,000 | 4,364 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $373,000 | 2,687 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $264,000 | 1,623 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $109,000 | 3,600 |
| Total noninterest expense | $828,000 | 4,701 |
| Salaries and employee benefits | $400,000 | 5,169 |
| Premises and equipment expense | $107,000 | 4,842 |
| Additional noninterest expense | $321,000 | 3,767 |
| Pre-tax net operating income | $663,000 | 2,912 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $189,000 | 2,475 |
| Income before extraordinary items | $474,000 | 3,150 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $474,000 | 3,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $425,000 | 1,600 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 840 |
| Net operating income | $474,000 | 3,124 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,227,000 | 4,478 |
| Total interest expense | $2,767,000 | 4,529 |
| Net interest income | $4,460,000 | 4,367 |
| Provision for loan and lease losses | $5,000 | 6,719 |
| Total noninterest income | $1,609,000 | 2,582 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,156,000 | 1,539 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $453,000 | 3,517 |
| Total noninterest expense | $3,245,000 | 4,631 |
| Salaries and employee benefits | $1,586,000 | 5,013 |
| Premises and equipment expense | $441,000 | 4,629 |
| Additional noninterest expense | $1,218,000 | 3,882 |
| Pre-tax net operating income | $2,819,000 | 2,893 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $815,000 | 2,445 |
| Income before extraordinary items | $2,004,000 | 3,102 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,004,000 | 3,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,250 |
| Cash dividends | $1,800,000 | 1,688 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,182 |
| Net operating income | $2,004,000 | 3,089 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,334,000 | 4,507 |
| Total interest expense | $2,017,000 | 4,528 |
| Net interest income | $3,317,000 | 4,428 |
| Provision for loan and lease losses | $5,000 | 6,530 |
| Total noninterest income | $1,225,000 | 2,568 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $853,000 | 1,567 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $372,000 | 3,329 |
| Total noninterest expense | $2,427,000 | 4,626 |
| Salaries and employee benefits | $1,182,000 | 5,015 |
| Premises and equipment expense | $332,000 | 4,614 |
| Additional noninterest expense | $913,000 | 3,881 |
| Pre-tax net operating income | $2,110,000 | 3,003 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $611,000 | 2,571 |
| Income before extraordinary items | $1,499,000 | 3,205 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,499,000 | 3,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,190 |
| Cash dividends | $1,350,000 | 1,576 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 987 |
| Net operating income | $1,499,000 | 3,200 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,470,000 | 4,540 |
| Total interest expense | $1,301,000 | 4,477 |
| Net interest income | $2,169,000 | 4,486 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $823,000 | 2,543 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $576,000 | 1,541 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $247,000 | 3,346 |
| Total noninterest expense | $1,623,000 | 4,625 |
| Salaries and employee benefits | $798,000 | 4,989 |
| Premises and equipment expense | $222,000 | 4,617 |
| Additional noninterest expense | $603,000 | 3,906 |
| Pre-tax net operating income | $1,369,000 | 3,071 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $396,000 | 2,629 |
| Income before extraordinary items | $973,000 | 3,279 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $973,000 | 3,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,181 |
| Cash dividends | $900,000 | 1,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $973,000 | 3,272 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,691,000 | 4,559 |
| Total interest expense | $629,000 | 4,449 |
| Net interest income | $1,062,000 | 4,535 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $432,000 | 2,428 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $293,000 | 1,457 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $139,000 | 3,105 |
| Total noninterest expense | $817,000 | 4,620 |
| Salaries and employee benefits | $403,000 | 4,986 |
| Premises and equipment expense | $113,000 | 4,590 |
| Additional noninterest expense | $301,000 | 3,880 |
| Pre-tax net operating income | $677,000 | 3,037 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $195,000 | 2,644 |
| Income before extraordinary items | $482,000 | 3,261 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $482,000 | 3,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,940 |
| Cash dividends | $450,000 | 1,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $482,000 | 3,237 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,352,000 | 4,455 |
| Total interest expense | $1,737,000 | 4,851 |
| Net interest income | $4,615,000 | 4,187 |
| Provision for loan and lease losses | $75,000 | 5,186 |
| Total noninterest income | $1,551,000 | 2,634 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,016,000 | 1,704 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $535,000 | 3,249 |
| Total noninterest expense | $3,160,000 | 4,603 |
| Salaries and employee benefits | $1,507,000 | 5,031 |
| Premises and equipment expense | $469,000 | 4,372 |
| Additional noninterest expense | $1,184,000 | 3,906 |
| Pre-tax net operating income | $2,931,000 | 2,816 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $838,000 | 2,544 |
| Income before extraordinary items | $2,091,000 | 2,985 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,091,000 | 2,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,698 |
| Cash dividends | $1,940,000 | 1,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,092,420 | 2,951 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,735,000 | 4,423 |
| Total interest expense | $1,221,000 | 4,893 |
| Net interest income | $3,514,000 | 4,148 |
| Provision for loan and lease losses | $60,000 | 4,948 |
| Total noninterest income | $1,173,000 | 2,623 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $738,000 | 1,747 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $435,000 | 3,125 |
| Total noninterest expense | $2,379,000 | 4,577 |
| Salaries and employee benefits | $1,137,000 | 4,995 |
| Premises and equipment expense | $360,000 | 4,288 |
| Additional noninterest expense | $882,000 | 3,868 |
| Pre-tax net operating income | $2,248,000 | 2,794 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $644,000 | 2,528 |
| Income before extraordinary items | $1,602,000 | 2,979 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,602,000 | 2,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,486 |
| Cash dividends | $1,490,000 | 1,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,603,420 | 2,936 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,117,000 | 4,391 |
| Total interest expense | $761,000 | 4,916 |
| Net interest income | $2,356,000 | 4,108 |
| Provision for loan and lease losses | $20,000 | 5,646 |
| Total noninterest income | $769,000 | 2,610 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $466,000 | 1,794 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $303,000 | 3,034 |
| Total noninterest expense | $1,625,000 | 4,489 |
| Salaries and employee benefits | $787,000 | 4,865 |
| Premises and equipment expense | $237,000 | 4,301 |
| Additional noninterest expense | $601,000 | 3,796 |
| Pre-tax net operating income | $1,480,000 | 2,785 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $422,000 | 2,529 |
| Income before extraordinary items | $1,056,000 | 2,963 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,056,000 | 2,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,968 |
| Cash dividends | $1,022,000 | 1,259 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,057,420 | 2,925 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,546,000 | 4,380 |
| Total interest expense | $366,000 | 4,931 |
| Net interest income | $1,180,000 | 4,109 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $395,000 | 2,509 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $213,000 | 1,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $182,000 | 2,636 |
| Total noninterest expense | $822,000 | 4,469 |
| Salaries and employee benefits | $404,000 | 4,807 |
| Premises and equipment expense | $114,000 | 4,448 |
| Additional noninterest expense | $304,000 | 3,761 |
| Pre-tax net operating income | $753,000 | 2,695 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $217,000 | 2,467 |
| Income before extraordinary items | $537,000 | 2,878 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $537,000 | 2,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,217 |
| Cash dividends | $550,000 | 1,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $536,290 | 2,833 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,220,000 | 4,147 |
| Total interest expense | $1,269,000 | 4,957 |
| Net interest income | $4,951,000 | 3,828 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,768,000 | 2,395 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $981,000 | 1,789 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $787,000 | 2,521 |
| Total noninterest expense | $3,163,000 | 4,489 |
| Salaries and employee benefits | $1,586,000 | 4,752 |
| Premises and equipment expense | $455,000 | 4,370 |
| Additional noninterest expense | $1,122,000 | 3,959 |
| Pre-tax net operating income | $3,556,000 | 2,249 |
| Securities gains (losses) | $16,000 | 2,543 |
| Applicable income taxes | $1,052,000 | 2,068 |
| Income before extraordinary items | $2,520,000 | 2,416 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,520,000 | 2,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,939 |
| Cash dividends | $2,468,000 | 1,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,508,640 | 2,363 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,642,000 | 4,147 |
| Total interest expense | $924,000 | 5,013 |
| Net interest income | $3,718,000 | 3,813 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,454,000 | 2,252 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $740,000 | 1,789 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $714,000 | 2,236 |
| Total noninterest expense | $2,397,000 | 4,435 |
| Salaries and employee benefits | $1,194,000 | 4,700 |
| Premises and equipment expense | $331,000 | 4,460 |
| Additional noninterest expense | $872,000 | 3,824 |
| Pre-tax net operating income | $2,775,000 | 2,202 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $821,000 | 2,068 |
| Income before extraordinary items | $1,954,000 | 2,375 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,954,000 | 2,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,410 |
| Cash dividends | $1,893,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,954,000 | 2,319 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,053,000 | 4,187 |
| Total interest expense | $597,000 | 5,114 |
| Net interest income | $2,456,000 | 3,834 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,078,000 | 2,083 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $473,000 | 1,843 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $605,000 | 1,914 |
| Total noninterest expense | $1,573,000 | 4,509 |
| Salaries and employee benefits | $780,000 | 4,799 |
| Premises and equipment expense | $216,000 | 4,527 |
| Additional noninterest expense | $577,000 | 3,860 |
| Pre-tax net operating income | $1,961,000 | 2,076 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $586,000 | 1,965 |
| Income before extraordinary items | $1,375,000 | 2,240 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,375,000 | 2,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,672 |
| Cash dividends | $1,343,000 | 983 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,375,000 | 2,175 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,506,000 | 4,245 |
| Total interest expense | $298,000 | 5,185 |
| Net interest income | $1,208,000 | 3,874 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $756,000 | 1,558 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $216,000 | 1,940 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $540,000 | 1,225 |
| Total noninterest expense | $766,000 | 4,615 |
| Salaries and employee benefits | $386,000 | 4,861 |
| Premises and equipment expense | $107,000 | 4,590 |
| Additional noninterest expense | $273,000 | 4,037 |
| Pre-tax net operating income | $1,198,000 | 1,718 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $369,000 | 1,674 |
| Income before extraordinary items | $829,000 | 1,883 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $829,000 | 1,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $793,000 | 816 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $829,000 | 1,795 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,061,000 | 4,293 |
| Total interest expense | $1,231,000 | 5,484 |
| Net interest income | $4,830,000 | 3,772 |
| Provision for loan and lease losses | $-271,000 | 9,102 |
| Total noninterest income | $1,649,000 | 2,638 |
| Gross Fiduciary activities income | $438,000 | 611 |
| Service charges on deposit accounts | $918,000 | 1,881 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $293,000 | 4,561 |
| Total noninterest expense | $3,479,000 | 4,140 |
| Salaries and employee benefits | $1,822,000 | 4,223 |
| Premises and equipment expense | $423,000 | 4,549 |
| Additional noninterest expense | $1,234,000 | 3,649 |
| Pre-tax net operating income | $3,271,000 | 2,329 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,000,000 | 2,173 |
| Income before extraordinary items | $2,271,000 | 2,588 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,271,000 | 2,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-450,000 | 9,162 |
| Cash dividends | $2,100,000 | 1,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,271,000 | 2,467 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,570,000 | 4,322 |
| Total interest expense | $937,000 | 5,576 |
| Net interest income | $3,633,000 | 3,793 |
| Provision for loan and lease losses | $-271,000 | 9,175 |
| Total noninterest income | $1,215,000 | 2,754 |
| Gross Fiduciary activities income | $306,000 | 628 |
| Service charges on deposit accounts | $708,000 | 1,837 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $201,000 | 4,785 |
| Total noninterest expense | $2,588,000 | 4,147 |
| Salaries and employee benefits | $1,316,000 | 4,331 |
| Premises and equipment expense | $316,000 | 4,560 |
| Additional noninterest expense | $956,000 | 3,530 |
| Pre-tax net operating income | $2,531,000 | 2,359 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $791,000 | 2,220 |
| Income before extraordinary items | $1,740,000 | 2,632 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,740,000 | 2,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-464,000 | 9,213 |
| Cash dividends | $1,500,000 | 1,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,740,000 | 2,499 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,079,000 | 4,320 |
| Total interest expense | $628,000 | 5,684 |
| Net interest income | $2,451,000 | 3,768 |
| Provision for loan and lease losses | $-271,000 | 9,226 |
| Total noninterest income | $797,000 | 2,763 |
| Gross Fiduciary activities income | $202,000 | 636 |
| Service charges on deposit accounts | $477,000 | 1,776 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $118,000 | 5,021 |
| Total noninterest expense | $1,765,000 | 4,059 |
| Salaries and employee benefits | $873,000 | 4,342 |
| Premises and equipment expense | $215,000 | 4,496 |
| Additional noninterest expense | $677,000 | 3,336 |
| Pre-tax net operating income | $1,754,000 | 2,292 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $554,000 | 2,168 |
| Income before extraordinary items | $1,200,000 | 2,584 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,200,000 | 2,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-464,000 | 9,248 |
| Cash dividends | $900,000 | 1,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,200,000 | 2,433 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,539,000 | 4,346 |
| Total interest expense | $315,000 | 5,787 |
| Net interest income | $1,224,000 | 3,759 |
| Provision for loan and lease losses | $-271,000 | 9,290 |
| Total noninterest income | $417,000 | 2,588 |
| Gross Fiduciary activities income | $93,000 | 669 |
| Service charges on deposit accounts | $261,000 | 1,577 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $63,000 | 4,821 |
| Total noninterest expense | $934,000 | 3,872 |
| Salaries and employee benefits | $446,000 | 4,270 |
| Premises and equipment expense | $104,000 | 4,580 |
| Additional noninterest expense | $384,000 | 2,959 |
| Pre-tax net operating income | $978,000 | 2,085 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $312,000 | 1,996 |
| Income before extraordinary items | $666,000 | 2,300 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $666,000 | 2,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-385,000 | 9,293 |
| Cash dividends | $300,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $666,000 | 2,177 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,003,000 | 4,555 |
| Total interest expense | $1,371,000 | 6,005 |
| Net interest income | $4,632,000 | 3,893 |
| Provision for loan and lease losses | $95,000 | 5,818 |
| Total noninterest income | $1,586,000 | 2,531 |
| Gross Fiduciary activities income | $422,000 | 633 |
| Service charges on deposit accounts | $963,000 | 1,673 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $201,000 | 5,023 |
| Total noninterest expense | $3,097,000 | 4,355 |
| Salaries and employee benefits | $1,536,000 | 4,607 |
| Premises and equipment expense | $489,000 | 4,005 |
| Additional noninterest expense | $1,072,000 | 3,959 |
| Pre-tax net operating income | $3,026,000 | 2,490 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $948,000 | 2,304 |
| Income before extraordinary items | $2,078,000 | 2,720 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,078,000 | 2,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 9,024 |
| Cash dividends | $1,850,000 | 1,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,078,000 | 2,627 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,820,000 | 4,517 |
| Total interest expense | $2,926,000 | 4,831 |
| Net interest income | $3,894,000 | 4,210 |
| Provision for loan and lease losses | $200,000 | 4,117 |
| Total noninterest income | $1,369,000 | 2,683 |
| Gross Fiduciary activities income | $417,000 | 652 |
| Service charges on deposit accounts | $790,000 | 1,926 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $162,000 | 5,371 |
| Total noninterest expense | $2,749,000 | 4,636 |
| Salaries and employee benefits | $1,329,000 | 4,956 |
| Premises and equipment expense | $471,000 | 4,094 |
| Additional noninterest expense | $949,000 | 4,240 |
| Pre-tax net operating income | $2,314,000 | 2,833 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $709,000 | 2,646 |
| Income before extraordinary items | $1,605,000 | 3,066 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,605,000 | 3,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,241 |
| Cash dividends | $1,450,000 | 1,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,605,000 | 2,965 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,892,000 | 4,646 |
| Total interest expense | $3,264,000 | 4,628 |
| Net interest income | $3,628,000 | 4,487 |
| Provision for loan and lease losses | $415,000 | 2,212 |
| Total noninterest income | $1,331,000 | 2,556 |
| Gross Fiduciary activities income | $443,000 | 631 |
| Service charges on deposit accounts | $765,000 | 1,819 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $123,000 | 5,927 |
| Total noninterest expense | $2,619,000 | 4,703 |
| Salaries and employee benefits | $1,251,000 | 5,040 |
| Premises and equipment expense | $468,000 | 3,997 |
| Additional noninterest expense | $900,000 | 4,336 |
| Pre-tax net operating income | $1,925,000 | 3,425 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $581,000 | 3,178 |
| Income before extraordinary items | $1,344,000 | 3,544 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,344,000 | 3,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 1,327 |
| Cash dividends | $1,250,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,344,000 | 3,533 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,537,000 | 4,656 |
| Total interest expense | $2,928,000 | 4,692 |
| Net interest income | $3,609,000 | 4,545 |
| Provision for loan and lease losses | $28,000 | 7,340 |
| Total noninterest income | $1,173,000 | 2,739 |
| Gross Fiduciary activities income | $402,000 | 702 |
| Service charges on deposit accounts | $646,000 | 2,057 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $125,000 | 6,074 |
| Total noninterest expense | $2,967,000 | 4,249 |
| Salaries and employee benefits | $1,288,000 | 4,905 |
| Premises and equipment expense | $584,000 | 3,346 |
| Additional noninterest expense | $1,095,000 | 3,725 |
| Pre-tax net operating income | $1,787,000 | 3,634 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $570,000 | 3,330 |
| Income before extraordinary items | $1,217,000 | 3,836 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,217,000 | 3,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,630 |
| Cash dividends | $900,000 | 2,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,217,000 | 3,804 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,989,000 | 4,399 |
| Total interest expense | $3,184,000 | 4,494 |
| Net interest income | $3,805,000 | 4,295 |
| Provision for loan and lease losses | $375,000 | 2,169 |
| Total noninterest income | $1,195,000 | 2,700 |
| Gross Fiduciary activities income | $340,000 | 751 |
| Service charges on deposit accounts | $680,000 | 1,880 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $175,000 | 5,296 |
| Total noninterest expense | $3,269,000 | 3,825 |
| Salaries and employee benefits | $1,500,000 | 4,235 |
| Premises and equipment expense | $602,000 | 3,166 |
| Additional noninterest expense | $1,167,000 | 3,453 |
| Pre-tax net operating income | $1,356,000 | 4,488 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $461,000 | 4,064 |
| Income before extraordinary items | $895,000 | 4,846 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $895,000 | 4,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $490,000 | 1,271 |
| Cash dividends | $800,000 | 2,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $895,000 | 4,745 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,334,000 | 4,339 |
| Total interest expense | $3,360,000 | 4,266 |
| Net interest income | $3,974,000 | 4,262 |
| Provision for loan and lease losses | $850,000 | 1,130 |
| Total noninterest income | $1,299,000 | 2,465 |
| Gross Fiduciary activities income | $326,000 | 790 |
| Service charges on deposit accounts | $793,000 | 1,641 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $180,000 | 5,208 |
| Total noninterest expense | $3,257,000 | 3,834 |
| Salaries and employee benefits | $1,485,000 | 4,291 |
| Premises and equipment expense | $575,000 | 3,272 |
| Additional noninterest expense | $1,197,000 | 3,365 |
| Pre-tax net operating income | $1,166,000 | 5,334 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $401,000 | 4,881 |
| Income before extraordinary items | $765,000 | 5,606 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $765,000 | 5,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $819,000 | 905 |
| Cash dividends | $900,000 | 2,364 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $765,000 | 5,557 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,775,000 | 4,144 |
| Total interest expense | $3,145,000 | 4,580 |
| Net interest income | $4,630,000 | 3,799 |
| Provision for loan and lease losses | $403,000 | 2,070 |
| Total noninterest income | $1,166,000 | 2,747 |
| Gross Fiduciary activities income | $279,000 | 883 |
| Service charges on deposit accounts | $703,000 | 1,928 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $184,000 | 5,411 |
| Total noninterest expense | $3,177,000 | 4,115 |
| Salaries and employee benefits | $1,513,000 | 4,274 |
| Premises and equipment expense | $532,000 | 3,597 |
| Additional noninterest expense | $1,132,000 | 3,967 |
| Pre-tax net operating income | $2,216,000 | 3,138 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $764,000 | 2,968 |
| Income before extraordinary items | $1,452,000 | 3,297 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,452,000 | 3,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,967 |
| Cash dividends | $1,200,000 | 1,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,452,000 | 3,261 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,350,000 | 4,362 |
| Total interest expense | $2,992,000 | 4,772 |
| Net interest income | $4,358,000 | 4,015 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $990,000 | 3,127 |
| Gross Fiduciary activities income | $250,000 | 946 |
| Service charges on deposit accounts | $529,000 | 2,543 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $211,000 | 4,973 |
| Total noninterest expense | $3,167,000 | 4,090 |
| Salaries and employee benefits | $1,370,000 | 4,651 |
| Premises and equipment expense | $444,000 | 4,153 |
| Additional noninterest expense | $1,353,000 | 3,368 |
| Pre-tax net operating income | $2,181,000 | 3,238 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $747,000 | 3,052 |
| Income before extraordinary items | $1,445,000 | 3,350 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,445,000 | 3,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,073 |
| Cash dividends | $850,000 | 2,314 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,437,740 | 3,343 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,254,000 | 4,685 |
| Total interest expense | $2,150,000 | 5,278 |
| Net interest income | $4,104,000 | 4,278 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $945,000 | 3,240 |
| Gross Fiduciary activities income | $270,000 | 938 |
| Service charges on deposit accounts | $486,000 | 2,838 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $189,000 | 5,455 |
| Total noninterest expense | $3,481,000 | 3,864 |
| Salaries and employee benefits | $1,553,000 | 4,156 |
| Premises and equipment expense | $449,000 | 4,161 |
| Additional noninterest expense | $1,479,000 | 3,341 |
| Pre-tax net operating income | $1,538,000 | 4,325 |
| Securities gains (losses) | $67,000 | 985 |
| Applicable income taxes | $527,000 | 3,906 |
| Income before extraordinary items | $1,078,000 | 4,251 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,078,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,425 |
| Cash dividends | $925,000 | 2,041 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,033,110 | 4,465 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,673,000 | 4,508 |
| Total interest expense | $2,129,000 | 5,542 |
| Net interest income | $4,544,000 | 3,902 |
| Provision for loan and lease losses | $110,000 | 5,504 |
| Total noninterest income | $984,000 | 3,381 |
| Gross Fiduciary activities income | $326,000 | 913 |
| Service charges on deposit accounts | $489,000 | 2,859 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $169,000 | 6,183 |
| Total noninterest expense | $3,290,000 | 4,139 |
| Salaries and employee benefits | $1,564,000 | 4,121 |
| Premises and equipment expense | $425,000 | 4,473 |
| Additional noninterest expense | $1,301,000 | 3,932 |
| Pre-tax net operating income | $2,128,000 | 3,122 |
| Securities gains (losses) | $22,000 | 4,534 |
| Applicable income taxes | $700,000 | 3,120 |
| Income before extraordinary items | $1,450,000 | 3,344 |
| Extraordinary gains, net | $136,000 | 1,318 |
| Net income | $1,586,000 | 3,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 3,202 |
| Cash dividends | $1,100,000 | 1,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,435,260 | 3,196 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,518,000 | 4,537 |
| Total interest expense | $2,822,000 | 5,442 |
| Net interest income | $4,696,000 | 3,854 |
| Provision for loan and lease losses | $401,000 | 3,451 |
| Total noninterest income | $942,000 | 3,480 |
| Gross Fiduciary activities income | $301,000 | 951 |
| Service charges on deposit accounts | $514,000 | 2,689 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $127,000 | 7,254 |
| Total noninterest expense | $3,275,000 | 4,185 |
| Salaries and employee benefits | $1,449,000 | 4,358 |
| Premises and equipment expense | $421,000 | 4,605 |
| Additional noninterest expense | $1,405,000 | 3,787 |
| Pre-tax net operating income | $1,962,000 | 3,154 |
| Securities gains (losses) | $25,000 | 5,285 |
| Applicable income taxes | $626,000 | 3,312 |
| Income before extraordinary items | $1,361,000 | 3,372 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,361,000 | 3,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 3,257 |
| Cash dividends | $1,325,000 | 1,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,344,000 | 3,169 |
* 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.