Home > First Financial Bank > Income and Expense
First Financial Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $10,418,000 | 1,927 |
| Total interest expense | $391,000 | 5,166 |
| Net interest income | $10,027,000 | 1,667 |
| Provision for loan and lease losses | $193,000 | 3,572 |
| Total noninterest income | $2,369,000 | 1,585 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,062,000 | 1,014 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,307,000 | 1,676 |
| Total noninterest expense | $7,852,000 | 1,829 |
| Salaries and employee benefits | $3,466,000 | 2,152 |
| Premises and equipment expense | $1,130,000 | 1,583 |
| Additional noninterest expense | $3,256,000 | 1,548 |
| Pre-tax net operating income | $4,351,000 | 1,234 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $1,167,000 | 1,090 |
| Income before extraordinary items | $3,184,000 | 1,409 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $3,184,000 | 1,410 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $3,184,000 | 1,410 |
| Net charge-offs | $701,000 | 1,809 |
| Cash dividends | $3,000,000 | 553 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 754 |
| Net operating income | $3,184,000 | 1,331 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,920,000 | 1,942 |
| Total interest expense | $270,000 | 5,200 |
| Net interest income | $6,650,000 | 1,668 |
| Provision for loan and lease losses | $170,000 | 3,201 |
| Total noninterest income | $1,560,000 | 1,584 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $696,000 | 1,019 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $864,000 | 1,675 |
| Total noninterest expense | $5,394,000 | 1,789 |
| Salaries and employee benefits | $2,312,000 | 2,144 |
| Premises and equipment expense | $757,000 | 1,567 |
| Additional noninterest expense | $2,325,000 | 1,462 |
| Pre-tax net operating income | $2,646,000 | 1,336 |
| Securities gains (losses) | $8,000 | 2,780 |
| Applicable income taxes | $692,000 | 1,184 |
| Income before extraordinary items | $1,962,000 | 1,512 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,962,000 | 1,511 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,962,000 | 1,512 |
| Net charge-offs | $373,000 | 2,081 |
| Cash dividends | $2,000,000 | 523 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 759 |
| Net operating income | $1,956,080 | 1,429 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,453,000 | 1,961 |
| Total interest expense | $141,000 | 5,219 |
| Net interest income | $3,312,000 | 1,672 |
| Provision for loan and lease losses | $150,000 | 2,302 |
| Total noninterest income | $794,000 | 1,536 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $348,000 | 1,012 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $446,000 | 1,631 |
| Total noninterest expense | $2,800,000 | 1,724 |
| Salaries and employee benefits | $1,163,000 | 2,151 |
| Premises and equipment expense | $374,000 | 1,593 |
| Additional noninterest expense | $1,263,000 | 1,331 |
| Pre-tax net operating income | $1,156,000 | 1,491 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $287,000 | 1,345 |
| Income before extraordinary items | $869,000 | 1,673 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $869,000 | 1,673 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $869,000 | 1,674 |
| Net charge-offs | $346,000 | 1,366 |
| Cash dividends | $1,000,000 | 457 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 713 |
| Net operating income | $869,000 | 1,572 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $13,805,000 | 2,027 |
| Total interest expense | $866,000 | 4,740 |
| Net interest income | $12,939,000 | 1,733 |
| Provision for loan and lease losses | $655,000 | 3,046 |
| Total noninterest income | $3,673,000 | 1,305 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,649,000 | 890 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,024,000 | 1,346 |
| Total noninterest expense | $9,785,000 | 1,948 |
| Salaries and employee benefits | $4,518,000 | 2,145 |
| Premises and equipment expense | $1,275,000 | 1,943 |
| Additional noninterest expense | $3,992,000 | 1,703 |
| Pre-tax net operating income | $6,172,000 | 970 |
| Securities gains (losses) | $12,000 | 3,271 |
| Applicable income taxes | $1,703,000 | 899 |
| Income before extraordinary items | $4,481,000 | 1,113 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,481,000 | 1,113 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $4,481,000 | 1,113 |
| Net charge-offs | $277,000 | 3,888 |
| Cash dividends | $3,400,000 | 591 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 916 |
| Net operating income | $4,472,360 | 1,059 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $10,329,000 | 2,049 |
| Total interest expense | $698,000 | 4,676 |
| Net interest income | $9,631,000 | 1,747 |
| Provision for loan and lease losses | $635,000 | 2,569 |
| Total noninterest income | $2,987,000 | 1,239 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,253,000 | 883 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,734,000 | 1,229 |
| Total noninterest expense | $7,302,000 | 1,971 |
| Salaries and employee benefits | $3,369,000 | 2,155 |
| Premises and equipment expense | $971,000 | 1,926 |
| Additional noninterest expense | $2,962,000 | 1,720 |
| Pre-tax net operating income | $4,681,000 | 993 |
| Securities gains (losses) | $10,000 | 3,052 |
| Applicable income taxes | $1,296,000 | 888 |
| Income before extraordinary items | $3,395,000 | 1,124 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,395,000 | 1,124 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $3,395,000 | 1,124 |
| Net charge-offs | $299,000 | 3,252 |
| Cash dividends | $2,550,000 | 521 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 858 |
| Net operating income | $3,387,800 | 1,077 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,853,000 | 2,068 |
| Total interest expense | $504,000 | 4,606 |
| Net interest income | $6,349,000 | 1,764 |
| Provision for loan and lease losses | $365,000 | 2,714 |
| Total noninterest income | $1,664,000 | 1,378 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $829,000 | 881 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $835,000 | 1,518 |
| Total noninterest expense | $4,851,000 | 1,996 |
| Salaries and employee benefits | $2,274,000 | 2,150 |
| Premises and equipment expense | $609,000 | 2,071 |
| Additional noninterest expense | $1,968,000 | 1,746 |
| Pre-tax net operating income | $2,797,000 | 1,069 |
| Securities gains (losses) | $10,000 | 2,357 |
| Applicable income taxes | $752,000 | 965 |
| Income before extraordinary items | $2,055,000 | 1,215 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,055,000 | 1,213 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $2,055,000 | 1,215 |
| Net charge-offs | $34,000 | 4,751 |
| Cash dividends | $1,700,000 | 501 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 831 |
| Net operating income | $2,047,700 | 1,172 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,361,000 | 2,128 |
| Total interest expense | $266,000 | 4,585 |
| Net interest income | $3,095,000 | 1,801 |
| Provision for loan and lease losses | $195,000 | 2,476 |
| Total noninterest income | $881,000 | 1,335 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $393,000 | 911 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $488,000 | 1,368 |
| Total noninterest expense | $2,392,000 | 2,022 |
| Salaries and employee benefits | $1,118,000 | 2,200 |
| Premises and equipment expense | $304,000 | 2,108 |
| Additional noninterest expense | $970,000 | 1,752 |
| Pre-tax net operating income | $1,389,000 | 1,067 |
| Securities gains (losses) | $11,000 | 1,280 |
| Applicable income taxes | $373,000 | 936 |
| Income before extraordinary items | $1,027,000 | 1,202 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,027,000 | 1,201 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,027,000 | 1,202 |
| Net charge-offs | $-90,000 | 7,437 |
| Cash dividends | $850,000 | 451 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 762 |
| Net operating income | $1,018,970 | 1,173 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,614,000 | 2,380 |
| Total interest expense | $1,457,000 | 4,339 |
| Net interest income | $11,157,000 | 1,945 |
| Provision for loan and lease losses | $850,000 | 3,320 |
| Total noninterest income | $3,042,000 | 1,535 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,778,000 | 860 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,264,000 | 1,897 |
| Total noninterest expense | $8,931,000 | 2,174 |
| Salaries and employee benefits | $3,981,000 | 2,403 |
| Premises and equipment expense | $1,216,000 | 2,076 |
| Additional noninterest expense | $3,734,000 | 1,903 |
| Pre-tax net operating income | $4,418,000 | 1,144 |
| Securities gains (losses) | $9,000 | 3,335 |
| Applicable income taxes | $1,119,000 | 1,132 |
| Income before extraordinary items | $3,308,000 | 1,285 |
| Extraordinary gains, net | $1,296,000 | 10 |
| Net income | $4,604,000 | 959 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $4,604,000 | 960 |
| Net charge-offs | $374,000 | 4,015 |
| Cash dividends | $3,850,000 | 438 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 1,077 |
| Net operating income | $3,301,250 | 1,240 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,410,000 | 2,454 |
| Total interest expense | $1,137,000 | 4,378 |
| Net interest income | $8,273,000 | 1,999 |
| Provision for loan and lease losses | $830,000 | 2,794 |
| Total noninterest income | $2,293,000 | 1,524 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,355,000 | 868 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $938,000 | 1,876 |
| Total noninterest expense | $6,621,000 | 2,187 |
| Salaries and employee benefits | $2,926,000 | 2,476 |
| Premises and equipment expense | $918,000 | 2,088 |
| Additional noninterest expense | $2,777,000 | 1,882 |
| Pre-tax net operating income | $3,115,000 | 1,278 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $779,000 | 1,232 |
| Income before extraordinary items | $2,336,000 | 1,426 |
| Extraordinary gains, net | $1,296,000 | 9 |
| Net income | $3,632,000 | 964 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $3,632,000 | 964 |
| Net charge-offs | $436,000 | 3,254 |
| Cash dividends | $3,100,000 | 353 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,010 |
| Net operating income | $2,336,000 | 1,372 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,254,000 | 2,483 |
| Total interest expense | $767,000 | 4,455 |
| Net interest income | $5,487,000 | 2,018 |
| Provision for loan and lease losses | $530,000 | 2,770 |
| Total noninterest income | $1,511,000 | 1,503 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $893,000 | 879 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $618,000 | 1,825 |
| Total noninterest expense | $4,355,000 | 2,214 |
| Salaries and employee benefits | $1,945,000 | 2,506 |
| Premises and equipment expense | $606,000 | 2,135 |
| Additional noninterest expense | $1,804,000 | 1,919 |
| Pre-tax net operating income | $2,113,000 | 1,239 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $540,000 | 1,148 |
| Income before extraordinary items | $1,573,000 | 1,403 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,573,000 | 1,403 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,573,000 | 1,404 |
| Net charge-offs | $165,000 | 3,730 |
| Cash dividends | $2,500,000 | 278 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 955 |
| Net operating income | $1,573,000 | 1,349 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,152,000 | 2,519 |
| Total interest expense | $385,000 | 4,577 |
| Net interest income | $2,767,000 | 2,024 |
| Provision for loan and lease losses | $300,000 | 2,372 |
| Total noninterest income | $704,000 | 1,590 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $420,000 | 933 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $284,000 | 1,903 |
| Total noninterest expense | $2,158,000 | 2,257 |
| Salaries and employee benefits | $986,000 | 2,496 |
| Premises and equipment expense | $302,000 | 2,191 |
| Additional noninterest expense | $870,000 | 1,952 |
| Pre-tax net operating income | $1,013,000 | 1,287 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $254,000 | 1,185 |
| Income before extraordinary items | $759,000 | 1,454 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $759,000 | 1,456 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $759,000 | 1,456 |
| Net charge-offs | $49,000 | 3,726 |
| Cash dividends | $1,500,000 | 226 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 904 |
| Net operating income | $759,000 | 1,403 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,153,000 | 2,523 |
| Total interest expense | $1,844,000 | 4,685 |
| Net interest income | $11,309,000 | 1,955 |
| Provision for loan and lease losses | $1,710,000 | 2,692 |
| Total noninterest income | $2,770,000 | 1,708 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,746,000 | 994 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,024,000 | 2,116 |
| Total noninterest expense | $9,099,000 | 2,184 |
| Salaries and employee benefits | $3,832,000 | 2,547 |
| Premises and equipment expense | $1,252,000 | 2,132 |
| Additional noninterest expense | $4,015,000 | 1,847 |
| Pre-tax net operating income | $3,270,000 | 1,235 |
| Securities gains (losses) | $80,000 | 2,307 |
| Applicable income taxes | $835,000 | 1,098 |
| Income before extraordinary items | $2,515,000 | 1,331 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,515,000 | 1,329 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,515,000 | 1,330 |
| Net charge-offs | $1,019,000 | 2,835 |
| Cash dividends | $1,885,000 | 968 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,224 |
| Net operating income | $2,455,000 | 1,332 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,940,000 | 2,542 |
| Total interest expense | $1,440,000 | 4,713 |
| Net interest income | $8,500,000 | 1,943 |
| Provision for loan and lease losses | $1,260,000 | 2,462 |
| Total noninterest income | $2,196,000 | 1,667 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,283,000 | 1,013 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $913,000 | 1,947 |
| Total noninterest expense | $6,874,000 | 2,173 |
| Salaries and employee benefits | $2,886,000 | 2,549 |
| Premises and equipment expense | $960,000 | 2,113 |
| Additional noninterest expense | $3,028,000 | 1,774 |
| Pre-tax net operating income | $2,562,000 | 1,258 |
| Securities gains (losses) | $80,000 | 1,979 |
| Applicable income taxes | $688,000 | 1,104 |
| Income before extraordinary items | $1,954,000 | 1,365 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,954,000 | 1,363 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,954,000 | 1,365 |
| Net charge-offs | $802,000 | 2,468 |
| Cash dividends | $910,000 | 1,353 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,137 |
| Net operating income | $1,894,800 | 1,381 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,693,000 | 2,557 |
| Total interest expense | $1,013,000 | 4,700 |
| Net interest income | $5,680,000 | 1,935 |
| Provision for loan and lease losses | $635,000 | 2,621 |
| Total noninterest income | $1,420,000 | 1,713 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $811,000 | 1,058 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $609,000 | 1,974 |
| Total noninterest expense | $4,666,000 | 2,162 |
| Salaries and employee benefits | $1,957,000 | 2,563 |
| Premises and equipment expense | $631,000 | 2,163 |
| Additional noninterest expense | $2,078,000 | 1,751 |
| Pre-tax net operating income | $1,799,000 | 1,280 |
| Securities gains (losses) | $80,000 | 1,628 |
| Applicable income taxes | $505,000 | 1,082 |
| Income before extraordinary items | $1,374,000 | 1,380 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,374,000 | 1,377 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,374,000 | 1,379 |
| Net charge-offs | $282,000 | 3,012 |
| Cash dividends | $450,000 | 1,730 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,123 |
| Net operating income | $1,315,600 | 1,396 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,363,000 | 2,583 |
| Total interest expense | $532,000 | 4,663 |
| Net interest income | $2,831,000 | 1,930 |
| Provision for loan and lease losses | $335,000 | 2,180 |
| Total noninterest income | $584,000 | 1,913 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $389,000 | 1,066 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $195,000 | 2,552 |
| Total noninterest expense | $2,305,000 | 2,145 |
| Salaries and employee benefits | $960,000 | 2,638 |
| Premises and equipment expense | $317,000 | 2,197 |
| Additional noninterest expense | $1,028,000 | 1,576 |
| Pre-tax net operating income | $775,000 | 1,655 |
| Securities gains (losses) | $75,000 | 1,121 |
| Applicable income taxes | $224,000 | 1,333 |
| Income before extraordinary items | $626,000 | 1,727 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $626,000 | 1,729 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $626,000 | 1,730 |
| Net charge-offs | $131,000 | 2,561 |
| Cash dividends | $450,000 | 974 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,009 |
| Net operating income | $570,500 | 1,778 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,428,000 | 2,399 |
| Total interest expense | $3,855,000 | 3,609 |
| Net interest income | $11,573,000 | 1,925 |
| Provision for loan and lease losses | $1,560,000 | 2,110 |
| Total noninterest income | $2,988,000 | 1,573 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,702,000 | 1,046 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,286,000 | 1,793 |
| Total noninterest expense | $9,190,000 | 2,095 |
| Salaries and employee benefits | $4,177,000 | 2,408 |
| Premises and equipment expense | $1,195,000 | 2,254 |
| Additional noninterest expense | $3,818,000 | 1,627 |
| Pre-tax net operating income | $3,811,000 | 1,433 |
| Securities gains (losses) | $23,000 | 2,091 |
| Applicable income taxes | $1,041,000 | 1,168 |
| Income before extraordinary items | $2,793,000 | 1,463 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,793,000 | 1,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $525,000 | 2,732 |
| Cash dividends | $2,150,000 | 1,259 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 1,302 |
| Net operating income | $2,776,210 | 1,566 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,833,000 | 2,406 |
| Total interest expense | $3,182,000 | 3,477 |
| Net interest income | $8,651,000 | 1,958 |
| Provision for loan and lease losses | $760,000 | 2,154 |
| Total noninterest income | $2,355,000 | 1,565 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,305,000 | 1,039 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,050,000 | 1,746 |
| Total noninterest expense | $7,081,000 | 2,023 |
| Salaries and employee benefits | $3,202,000 | 2,390 |
| Premises and equipment expense | $886,000 | 2,285 |
| Additional noninterest expense | $2,993,000 | 1,486 |
| Pre-tax net operating income | $3,165,000 | 1,545 |
| Securities gains (losses) | $9,000 | 2,413 |
| Applicable income taxes | $885,000 | 1,269 |
| Income before extraordinary items | $2,289,000 | 1,583 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,289,000 | 1,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 2,529 |
| Cash dividends | $1,650,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,146 |
| Net operating income | $2,282,520 | 1,669 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,054,000 | 2,407 |
| Total interest expense | $2,335,000 | 3,358 |
| Net interest income | $5,719,000 | 1,960 |
| Provision for loan and lease losses | $425,000 | 2,083 |
| Total noninterest income | $1,574,000 | 1,587 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $875,000 | 1,012 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $699,000 | 1,789 |
| Total noninterest expense | $4,727,000 | 2,028 |
| Salaries and employee benefits | $2,169,000 | 2,379 |
| Premises and equipment expense | $574,000 | 2,357 |
| Additional noninterest expense | $1,984,000 | 1,478 |
| Pre-tax net operating income | $2,141,000 | 1,592 |
| Securities gains (losses) | $9,000 | 2,500 |
| Applicable income taxes | $609,000 | 1,377 |
| Income before extraordinary items | $1,541,000 | 1,755 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,541,000 | 1,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,707 |
| Cash dividends | $1,150,000 | 1,263 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,078 |
| Net operating income | $1,534,520 | 1,730 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,205,000 | 2,385 |
| Total interest expense | $1,328,000 | 3,192 |
| Net interest income | $2,877,000 | 1,939 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $754,000 | 1,638 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $437,000 | 992 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $317,000 | 1,906 |
| Total noninterest expense | $2,370,000 | 2,022 |
| Salaries and employee benefits | $1,127,000 | 2,328 |
| Premises and equipment expense | $286,000 | 2,362 |
| Additional noninterest expense | $957,000 | 1,505 |
| Pre-tax net operating income | $1,186,000 | 1,537 |
| Securities gains (losses) | $9,000 | 2,013 |
| Applicable income taxes | $350,000 | 1,318 |
| Income before extraordinary items | $845,000 | 1,739 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $845,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 1,919 |
| Cash dividends | $550,000 | 1,253 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 944 |
| Net operating income | $838,610 | 1,683 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,513,000 | 2,223 |
| Total interest expense | $6,608,000 | 2,768 |
| Net interest income | $11,905,000 | 1,905 |
| Provision for loan and lease losses | $253,000 | 3,483 |
| Total noninterest income | $3,268,000 | 1,544 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,689,000 | 1,055 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,579,000 | 1,619 |
| Total noninterest expense | $9,539,000 | 1,946 |
| Salaries and employee benefits | $4,565,000 | 2,207 |
| Premises and equipment expense | $1,102,000 | 2,361 |
| Additional noninterest expense | $3,872,000 | 1,432 |
| Pre-tax net operating income | $5,381,000 | 1,550 |
| Securities gains (losses) | $9,000 | 1,380 |
| Applicable income taxes | $1,634,000 | 1,323 |
| Income before extraordinary items | $3,756,000 | 1,686 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,756,000 | 1,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,118 |
| Cash dividends | $2,100,000 | 1,543 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,223 |
| Net operating income | $3,749,700 | 1,672 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,007,000 | 2,210 |
| Total interest expense | $5,046,000 | 2,723 |
| Net interest income | $8,961,000 | 1,909 |
| Provision for loan and lease losses | $103,000 | 4,065 |
| Total noninterest income | $2,387,000 | 1,579 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,218,000 | 1,085 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,169,000 | 1,623 |
| Total noninterest expense | $7,196,000 | 1,908 |
| Salaries and employee benefits | $3,457,000 | 2,182 |
| Premises and equipment expense | $822,000 | 2,349 |
| Additional noninterest expense | $2,917,000 | 1,381 |
| Pre-tax net operating income | $4,049,000 | 1,653 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,215,000 | 1,433 |
| Income before extraordinary items | $2,834,000 | 1,778 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,834,000 | 1,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,724 |
| Cash dividends | $1,500,000 | 1,491 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,085 |
| Net operating income | $2,834,000 | 1,766 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,316,000 | 2,234 |
| Total interest expense | $3,390,000 | 2,693 |
| Net interest income | $5,926,000 | 1,949 |
| Provision for loan and lease losses | $48,000 | 4,431 |
| Total noninterest income | $1,581,000 | 1,611 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $770,000 | 1,149 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $811,000 | 1,598 |
| Total noninterest expense | $4,851,000 | 1,900 |
| Salaries and employee benefits | $2,363,000 | 2,165 |
| Premises and equipment expense | $549,000 | 2,355 |
| Additional noninterest expense | $1,939,000 | 1,397 |
| Pre-tax net operating income | $2,608,000 | 1,761 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $786,000 | 1,505 |
| Income before extraordinary items | $1,822,000 | 1,895 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,822,000 | 1,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,000 |
| Net operating income | $1,822,000 | 1,876 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,529,000 | 2,288 |
| Total interest expense | $1,638,000 | 2,761 |
| Net interest income | $2,891,000 | 2,015 |
| Provision for loan and lease losses | $31,000 | 3,721 |
| Total noninterest income | $803,000 | 1,577 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $368,000 | 1,165 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $435,000 | 1,518 |
| Total noninterest expense | $2,492,000 | 1,852 |
| Salaries and employee benefits | $1,209,000 | 2,120 |
| Premises and equipment expense | $283,000 | 2,307 |
| Additional noninterest expense | $1,000,000 | 1,338 |
| Pre-tax net operating income | $1,171,000 | 1,900 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $353,000 | 1,654 |
| Income before extraordinary items | $818,000 | 2,022 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $818,000 | 2,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $500,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 852 |
| Net operating income | $818,000 | 2,014 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,259,000 | 2,256 |
| Total interest expense | $5,340,000 | 2,861 |
| Net interest income | $11,919,000 | 1,951 |
| Provision for loan and lease losses | $578,000 | 1,687 |
| Total noninterest income | $2,938,000 | 1,668 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,611,000 | 1,095 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,327,000 | 1,817 |
| Total noninterest expense | $9,066,000 | 1,942 |
| Salaries and employee benefits | $4,246,000 | 2,307 |
| Premises and equipment expense | $1,155,000 | 2,139 |
| Additional noninterest expense | $3,665,000 | 1,450 |
| Pre-tax net operating income | $5,213,000 | 1,817 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,611,000 | 1,558 |
| Income before extraordinary items | $3,602,000 | 1,962 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,602,000 | 1,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,703 |
| Cash dividends | $2,350,000 | 1,359 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,199 |
| Net operating income | $3,602,000 | 1,948 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,740,000 | 2,283 |
| Total interest expense | $3,811,000 | 2,906 |
| Net interest income | $8,929,000 | 1,971 |
| Provision for loan and lease losses | $496,000 | 1,396 |
| Total noninterest income | $2,117,000 | 1,725 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,200,000 | 1,116 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $917,000 | 1,955 |
| Total noninterest expense | $6,584,000 | 2,007 |
| Salaries and employee benefits | $3,159,000 | 2,331 |
| Premises and equipment expense | $871,000 | 2,147 |
| Additional noninterest expense | $2,554,000 | 1,545 |
| Pre-tax net operating income | $3,966,000 | 1,855 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,227,000 | 1,620 |
| Income before extraordinary items | $2,739,000 | 1,989 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,739,000 | 1,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $1,850,000 | 1,225 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,004 |
| Net operating income | $2,739,000 | 1,979 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,257,000 | 2,300 |
| Total interest expense | $2,383,000 | 2,943 |
| Net interest income | $5,874,000 | 1,991 |
| Provision for loan and lease losses | $313,000 | 1,416 |
| Total noninterest income | $1,373,000 | 1,762 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $776,000 | 1,140 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $597,000 | 1,966 |
| Total noninterest expense | $4,297,000 | 2,048 |
| Salaries and employee benefits | $2,072,000 | 2,370 |
| Premises and equipment expense | $575,000 | 2,161 |
| Additional noninterest expense | $1,650,000 | 1,596 |
| Pre-tax net operating income | $2,637,000 | 1,868 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $812,000 | 1,649 |
| Income before extraordinary items | $1,825,000 | 1,992 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,825,000 | 1,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $1,350,000 | 1,135 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 851 |
| Net operating income | $1,825,000 | 1,978 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,968,000 | 2,342 |
| Total interest expense | $1,117,000 | 2,980 |
| Net interest income | $2,851,000 | 2,033 |
| Provision for loan and lease losses | $153,000 | 1,404 |
| Total noninterest income | $660,000 | 1,783 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $361,000 | 1,206 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $299,000 | 1,945 |
| Total noninterest expense | $2,121,000 | 2,084 |
| Salaries and employee benefits | $1,061,000 | 2,324 |
| Premises and equipment expense | $280,000 | 2,232 |
| Additional noninterest expense | $780,000 | 1,671 |
| Pre-tax net operating income | $1,237,000 | 1,921 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $369,000 | 1,758 |
| Income before extraordinary items | $868,000 | 2,038 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $868,000 | 2,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $750,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $868,000 | 2,018 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,372,000 | 8,018 |
| Total interest expense | $365,000 | 8,003 |
| Net interest income | $1,007,000 | 7,923 |
| Provision for loan and lease losses | $12,000 | 6,720 |
| Total noninterest income | $193,000 | 7,126 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $139,000 | 5,751 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $54,000 | 7,294 |
| Total noninterest expense | $881,000 | 7,944 |
| Salaries and employee benefits | $360,000 | 8,335 |
| Premises and equipment expense | $92,000 | 7,948 |
| Additional noninterest expense | $429,000 | 6,939 |
| Pre-tax net operating income | $307,000 | 7,352 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $85,000 | 5,503 |
| Income before extraordinary items | $222,000 | 7,491 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $222,000 | 7,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,385 |
| Cash dividends | $175,000 | 5,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $222,000 | 7,462 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,649,000 | 3,879 |
| Total interest expense | $1,304,000 | 4,705 |
| Net interest income | $4,345,000 | 3,512 |
| Provision for loan and lease losses | $86,000 | 4,526 |
| Total noninterest income | $576,000 | 4,157 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $408,000 | 2,875 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $168,000 | 4,982 |
| Total noninterest expense | $3,151,000 | 3,693 |
| Salaries and employee benefits | $1,687,000 | 3,763 |
| Premises and equipment expense | $457,000 | 3,604 |
| Additional noninterest expense | $1,007,000 | 3,481 |
| Pre-tax net operating income | $1,684,000 | 3,471 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,684,000 | 2,848 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,684,000 | 2,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,852 |
| Cash dividends | $792,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,684,000 | 2,816 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,710,000 | 3,857 |
| Total interest expense | $838,000 | 4,658 |
| Net interest income | $2,872,000 | 3,520 |
| Provision for loan and lease losses | $57,000 | 4,394 |
| Total noninterest income | $421,000 | 3,928 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $267,000 | 2,867 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $154,000 | 4,261 |
| Total noninterest expense | $2,110,000 | 3,663 |
| Salaries and employee benefits | $1,124,000 | 3,745 |
| Premises and equipment expense | $297,000 | 3,664 |
| Additional noninterest expense | $689,000 | 3,403 |
| Pre-tax net operating income | $1,126,000 | 3,408 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,126,000 | 2,812 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,126,000 | 2,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,582 |
| Cash dividends | $552,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,126,000 | 2,771 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,837,000 | 3,842 |
| Total interest expense | $410,000 | 4,601 |
| Net interest income | $1,427,000 | 3,543 |
| Provision for loan and lease losses | $28,000 | 4,295 |
| Total noninterest income | $238,000 | 3,582 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $129,000 | 2,862 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $109,000 | 3,573 |
| Total noninterest expense | $1,063,000 | 3,670 |
| Salaries and employee benefits | $553,000 | 3,794 |
| Premises and equipment expense | $151,000 | 3,632 |
| Additional noninterest expense | $359,000 | 3,299 |
| Pre-tax net operating income | $574,000 | 3,331 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $574,000 | 2,711 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $574,000 | 2,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,763 |
| Cash dividends | $120,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $574,000 | 2,666 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,952,000 | 3,829 |
| Total interest expense | $1,805,000 | 3,969 |
| Net interest income | $5,147,000 | 3,727 |
| Provision for loan and lease losses | $179,000 | 3,971 |
| Total noninterest income | $1,030,000 | 3,466 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $595,000 | 2,722 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $435,000 | 3,559 |
| Total noninterest expense | $4,145,000 | 3,629 |
| Salaries and employee benefits | $2,206,000 | 3,683 |
| Premises and equipment expense | $586,000 | 3,599 |
| Additional noninterest expense | $1,353,000 | 3,405 |
| Pre-tax net operating income | $1,853,000 | 3,714 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,856,000 | 3,113 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,856,000 | 3,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,754 |
| Cash dividends | $990,000 | 2,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,853,000 | 3,052 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,136,000 | 3,851 |
| Total interest expense | $1,390,000 | 3,837 |
| Net interest income | $3,746,000 | 3,796 |
| Provision for loan and lease losses | $89,000 | 4,620 |
| Total noninterest income | $760,000 | 3,532 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $453,000 | 2,702 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $307,000 | 3,684 |
| Total noninterest expense | $3,082,000 | 3,631 |
| Salaries and employee benefits | $1,650,000 | 3,683 |
| Premises and equipment expense | $473,000 | 3,411 |
| Additional noninterest expense | $959,000 | 3,542 |
| Pre-tax net operating income | $1,335,000 | 3,881 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,338,000 | 3,264 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,338,000 | 3,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,096 |
| Cash dividends | $570,000 | 2,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,335,000 | 3,187 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,361,000 | 3,898 |
| Total interest expense | $936,000 | 3,799 |
| Net interest income | $2,425,000 | 3,879 |
| Provision for loan and lease losses | $65,000 | 4,191 |
| Total noninterest income | $501,000 | 3,569 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $309,000 | 2,649 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $192,000 | 3,811 |
| Total noninterest expense | $2,019,000 | 3,705 |
| Salaries and employee benefits | $1,089,000 | 3,728 |
| Premises and equipment expense | $315,000 | 3,411 |
| Additional noninterest expense | $615,000 | 3,677 |
| Pre-tax net operating income | $842,000 | 3,979 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $845,000 | 3,387 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $845,000 | 3,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 1,584 |
| Cash dividends | $390,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $842,000 | 3,291 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,715,000 | 3,847 |
| Total interest expense | $461,000 | 3,893 |
| Net interest income | $1,254,000 | 3,756 |
| Provision for loan and lease losses | $40,000 | 3,725 |
| Total noninterest income | $244,000 | 3,582 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $151,000 | 2,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $93,000 | 3,862 |
| Total noninterest expense | $1,001,000 | 3,757 |
| Salaries and employee benefits | $540,000 | 3,775 |
| Premises and equipment expense | $155,000 | 3,497 |
| Additional noninterest expense | $306,000 | 3,687 |
| Pre-tax net operating income | $457,000 | 3,754 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $457,000 | 3,158 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $457,000 | 3,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $60,000 | 3,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $457,000 | 3,037 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,403,000 | 4,105 |
| Total interest expense | $1,927,000 | 4,138 |
| Net interest income | $4,476,000 | 4,014 |
| Provision for loan and lease losses | $97,000 | 5,382 |
| Total noninterest income | $967,000 | 3,795 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $603,000 | 2,678 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $364,000 | 4,144 |
| Total noninterest expense | $3,872,000 | 3,804 |
| Salaries and employee benefits | $2,084,000 | 3,797 |
| Premises and equipment expense | $624,000 | 3,413 |
| Additional noninterest expense | $1,164,000 | 3,808 |
| Pre-tax net operating income | $1,474,000 | 4,166 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $140,000 | 5,360 |
| Income before extraordinary items | $1,334,000 | 3,851 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,334,000 | 3,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,263 |
| Cash dividends | $837,000 | 2,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,334,000 | 3,688 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,780,000 | 4,163 |
| Total interest expense | $1,461,000 | 4,228 |
| Net interest income | $3,319,000 | 4,064 |
| Provision for loan and lease losses | $73,000 | 5,264 |
| Total noninterest income | $722,000 | 3,868 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $448,000 | 2,713 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $274,000 | 4,194 |
| Total noninterest expense | $2,894,000 | 3,804 |
| Salaries and employee benefits | $1,560,000 | 3,789 |
| Premises and equipment expense | $462,000 | 3,445 |
| Additional noninterest expense | $872,000 | 3,797 |
| Pre-tax net operating income | $1,074,000 | 4,372 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $140,000 | 5,201 |
| Income before extraordinary items | $934,000 | 4,170 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $934,000 | 4,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,239 |
| Cash dividends | $537,000 | 2,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $934,000 | 3,995 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,193,000 | 4,199 |
| Total interest expense | $993,000 | 4,270 |
| Net interest income | $2,200,000 | 4,090 |
| Provision for loan and lease losses | $48,000 | 5,200 |
| Total noninterest income | $475,000 | 3,854 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $295,000 | 2,688 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $180,000 | 4,224 |
| Total noninterest expense | $1,914,000 | 3,819 |
| Salaries and employee benefits | $1,021,000 | 3,846 |
| Premises and equipment expense | $295,000 | 3,546 |
| Additional noninterest expense | $598,000 | 3,711 |
| Pre-tax net operating income | $717,000 | 4,362 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $140,000 | 4,611 |
| Income before extraordinary items | $578,000 | 4,398 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $578,000 | 4,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,734 |
| Cash dividends | $418,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $578,000 | 4,186 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,601,000 | 4,231 |
| Total interest expense | $493,000 | 4,381 |
| Net interest income | $1,108,000 | 4,080 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $230,000 | 3,823 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $143,000 | 2,678 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $87,000 | 4,189 |
| Total noninterest expense | $957,000 | 3,805 |
| Salaries and employee benefits | $508,000 | 3,848 |
| Premises and equipment expense | $143,000 | 3,633 |
| Additional noninterest expense | $306,000 | 3,601 |
| Pre-tax net operating income | $357,000 | 4,335 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $140,000 | 3,347 |
| Income before extraordinary items | $217,000 | 5,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $217,000 | 5,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,119 |
| Cash dividends | $120,000 | 2,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $217,000 | 4,908 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,908,000 | 4,096 |
| Total interest expense | $2,453,000 | 4,156 |
| Net interest income | $4,455,000 | 4,026 |
| Provision for loan and lease losses | $55,000 | 6,608 |
| Total noninterest income | $901,000 | 3,704 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $556,000 | 2,717 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $345,000 | 3,982 |
| Total noninterest expense | $3,683,000 | 3,786 |
| Salaries and employee benefits | $1,945,000 | 3,830 |
| Premises and equipment expense | $642,000 | 3,216 |
| Additional noninterest expense | $1,096,000 | 3,894 |
| Pre-tax net operating income | $1,618,000 | 3,909 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $310,000 | 4,383 |
| Income before extraordinary items | $1,308,000 | 3,873 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,308,000 | 3,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $840,000 | 2,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,308,000 | 3,763 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,220,000 | 4,327 |
| Total interest expense | $3,577,000 | 4,138 |
| Net interest income | $3,643,000 | 4,439 |
| Provision for loan and lease losses | $105,000 | 5,502 |
| Total noninterest income | $806,000 | 3,836 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $505,000 | 2,821 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $301,000 | 4,116 |
| Total noninterest expense | $3,129,000 | 4,195 |
| Salaries and employee benefits | $1,635,000 | 4,238 |
| Premises and equipment expense | $510,000 | 3,806 |
| Additional noninterest expense | $984,000 | 4,120 |
| Pre-tax net operating income | $1,215,000 | 4,390 |
| Securities gains (losses) | $-9,000 | 9,278 |
| Applicable income taxes | $268,000 | 4,489 |
| Income before extraordinary items | $938,000 | 4,457 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $938,000 | 4,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,793 |
| Cash dividends | $570,000 | 3,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $945,020 | 4,314 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,401,000 | 4,379 |
| Total interest expense | $3,413,000 | 4,472 |
| Net interest income | $3,988,000 | 4,191 |
| Provision for loan and lease losses | $222,000 | 3,517 |
| Total noninterest income | $684,000 | 4,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $501,000 | 2,685 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 4,983 |
| Total noninterest expense | $2,811,000 | 4,462 |
| Salaries and employee benefits | $1,572,000 | 4,199 |
| Premises and equipment expense | $404,000 | 4,477 |
| Additional noninterest expense | $835,000 | 4,597 |
| Pre-tax net operating income | $1,639,000 | 3,818 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $470,000 | 3,618 |
| Income before extraordinary items | $1,169,000 | 3,934 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,169,000 | 3,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,831 |
| Cash dividends | $360,000 | 4,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,169,000 | 3,922 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,749,000 | 4,538 |
| Total interest expense | $3,005,000 | 4,598 |
| Net interest income | $3,744,000 | 4,418 |
| Provision for loan and lease losses | $114,000 | 4,972 |
| Total noninterest income | $647,000 | 4,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $450,000 | 2,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 4,971 |
| Total noninterest expense | $2,864,000 | 4,382 |
| Salaries and employee benefits | $1,603,000 | 4,118 |
| Premises and equipment expense | $417,000 | 4,385 |
| Additional noninterest expense | $844,000 | 4,608 |
| Pre-tax net operating income | $1,413,000 | 4,264 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $416,000 | 4,054 |
| Income before extraordinary items | $997,000 | 4,449 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $997,000 | 4,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,295 |
| Cash dividends | $480,000 | 3,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $997,000 | 4,412 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,330,000 | 4,802 |
| Total interest expense | $3,053,000 | 4,661 |
| Net interest income | $3,277,000 | 4,828 |
| Provision for loan and lease losses | $104,000 | 5,028 |
| Total noninterest income | $533,000 | 4,755 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $381,000 | 3,264 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 5,647 |
| Total noninterest expense | $2,752,000 | 4,437 |
| Salaries and employee benefits | $1,427,000 | 4,423 |
| Premises and equipment expense | $411,000 | 4,336 |
| Additional noninterest expense | $914,000 | 4,241 |
| Pre-tax net operating income | $954,000 | 5,560 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $286,000 | 5,304 |
| Income before extraordinary items | $668,000 | 5,737 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $668,000 | 5,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,145 |
| Cash dividends | $384,000 | 4,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $668,000 | 5,637 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,814,000 | 5,941 |
| Total interest expense | $2,166,000 | 5,948 |
| Net interest income | $2,648,000 | 5,828 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $396,000 | 5,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 4,075 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 6,891 |
| Total noninterest expense | $2,229,000 | 5,244 |
| Salaries and employee benefits | $1,213,000 | 5,048 |
| Premises and equipment expense | $286,000 | 5,585 |
| Additional noninterest expense | $730,000 | 5,060 |
| Pre-tax net operating income | $785,000 | 6,600 |
| Securities gains (losses) | $-10,000 | 10,039 |
| Applicable income taxes | $216,000 | 6,669 |
| Income before extraordinary items | $559,000 | 6,607 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $559,000 | 6,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,811 |
| Cash dividends | $366,000 | 4,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $566,200 | 6,506 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,474,000 | 6,431 |
| Total interest expense | $1,905,000 | 6,611 |
| Net interest income | $2,569,000 | 6,080 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $327,000 | 6,638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 4,983 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,486 |
| Total noninterest expense | $1,903,000 | 6,155 |
| Salaries and employee benefits | $941,000 | 6,261 |
| Premises and equipment expense | $238,000 | 6,414 |
| Additional noninterest expense | $724,000 | 5,606 |
| Pre-tax net operating income | $993,000 | 5,757 |
| Securities gains (losses) | $-16,000 | 10,516 |
| Applicable income taxes | $276,000 | 6,102 |
| Income before extraordinary items | $701,000 | 5,760 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $701,000 | 5,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,970 |
| Cash dividends | $528,000 | 3,278 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $712,520 | 5,651 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,170,000 | 6,825 |
| Total interest expense | $1,853,000 | 6,774 |
| Net interest income | $2,317,000 | 6,649 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $335,000 | 6,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 5,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,205 |
| Total noninterest expense | $1,790,000 | 6,489 |
| Salaries and employee benefits | $902,000 | 6,542 |
| Premises and equipment expense | $197,000 | 7,255 |
| Additional noninterest expense | $691,000 | 5,919 |
| Pre-tax net operating income | $862,000 | 6,590 |
| Securities gains (losses) | $21,000 | 1,877 |
| Applicable income taxes | $209,000 | 7,275 |
| Income before extraordinary items | $674,000 | 6,155 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $674,000 | 6,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $480,000 | 3,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $658,040 | 6,235 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,672,000 | 7,108 |
| Total interest expense | $1,350,000 | 7,396 |
| Net interest income | $2,322,000 | 6,818 |
| Provision for loan and lease losses | $-55,000 | 12,022 |
| Total noninterest income | $406,000 | 6,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $268,000 | 4,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 6,471 |
| Total noninterest expense | $1,999,000 | 6,201 |
| Salaries and employee benefits | $1,022,000 | 5,988 |
| Premises and equipment expense | $194,000 | 7,568 |
| Additional noninterest expense | $783,000 | 5,802 |
| Pre-tax net operating income | $784,000 | 6,955 |
| Securities gains (losses) | $-56,000 | 11,122 |
| Applicable income taxes | $119,000 | 8,946 |
| Income before extraordinary items | $609,000 | 6,469 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $609,000 | 6,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,111 |
| Cash dividends | $1,292,000 | 1,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $656,040 | 6,249 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,832,000 | 7,078 |
| Total interest expense | $1,312,000 | 7,830 |
| Net interest income | $2,520,000 | 6,511 |
| Provision for loan and lease losses | $53,000 | 7,335 |
| Total noninterest income | $464,000 | 5,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,866 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,700 |
| Total noninterest expense | $2,041,000 | 6,222 |
| Salaries and employee benefits | $949,000 | 6,417 |
| Premises and equipment expense | $190,000 | 7,890 |
| Additional noninterest expense | $902,000 | 5,354 |
| Pre-tax net operating income | $890,000 | 6,383 |
| Securities gains (losses) | $13,000 | 5,183 |
| Applicable income taxes | $174,000 | 8,125 |
| Income before extraordinary items | $729,000 | 5,933 |
| Extraordinary gains, net | $65,000 | 1,965 |
| Net income | $794,000 | 5,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $312,000 | 4,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $718,470 | 5,736 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,997,000 | 7,514 |
| Total interest expense | $1,498,000 | 8,513 |
| Net interest income | $2,499,000 | 6,604 |
| Provision for loan and lease losses | $208,000 | 5,117 |
| Total noninterest income | $474,000 | 5,854 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $229,000 | 5,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $245,000 | 5,023 |
| Total noninterest expense | $2,110,000 | 6,125 |
| Salaries and employee benefits | $922,000 | 6,498 |
| Premises and equipment expense | $186,000 | 8,166 |
| Additional noninterest expense | $1,002,000 | 5,041 |
| Pre-tax net operating income | $655,000 | 7,358 |
| Securities gains (losses) | $74,000 | 3,490 |
| Applicable income taxes | $127,000 | 9,192 |
| Income before extraordinary items | $602,000 | 6,563 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $602,000 | 6,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 4,017 |
| Cash dividends | $240,000 | 4,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $540,580 | 6,629 |
* 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.