Home > First Financial Bank > Income and Expense
First Financial Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $9,438,000 | 2,116 |
| Total interest expense | $306,000 | 5,649 |
| Net interest income | $9,132,000 | 1,826 |
| Provision for loan and lease losses | $270,000 | 3,108 |
| Total noninterest income | $2,674,000 | 1,430 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,246,000 | 855 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,428,000 | 1,569 |
| Total noninterest expense | $7,278,000 | 1,959 |
| Salaries and employee benefits | $3,132,000 | 2,356 |
| Premises and equipment expense | $1,132,000 | 1,578 |
| Additional noninterest expense | $3,014,000 | 1,667 |
| Pre-tax net operating income | $4,258,000 | 1,261 |
| Securities gains (losses) | $73,000 | 2,201 |
| Applicable income taxes | $1,030,000 | 1,201 |
| Income before extraordinary items | $3,301,000 | 1,375 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $3,301,000 | 1,376 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $3,301,000 | 1,376 |
| Net charge-offs | $109,000 | 3,885 |
| Cash dividends | $1,800,000 | 854 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 711 |
| Net operating income | $3,245,520 | 1,311 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,260,000 | 2,133 |
| Total interest expense | $216,000 | 5,628 |
| Net interest income | $6,044,000 | 1,833 |
| Provision for loan and lease losses | $246,000 | 2,713 |
| Total noninterest income | $1,760,000 | 1,432 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $803,000 | 878 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $957,000 | 1,560 |
| Total noninterest expense | $4,768,000 | 2,006 |
| Salaries and employee benefits | $2,018,000 | 2,436 |
| Premises and equipment expense | $749,000 | 1,589 |
| Additional noninterest expense | $2,001,000 | 1,674 |
| Pre-tax net operating income | $2,790,000 | 1,277 |
| Securities gains (losses) | $71,000 | 1,823 |
| Applicable income taxes | $681,000 | 1,198 |
| Income before extraordinary items | $2,180,000 | 1,358 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,180,000 | 1,358 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,180,000 | 1,358 |
| Net charge-offs | $79,000 | 3,636 |
| Cash dividends | $1,200,000 | 824 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 803 |
| Net operating income | $2,126,040 | 1,316 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,130,000 | 2,154 |
| Total interest expense | $114,000 | 5,633 |
| Net interest income | $3,016,000 | 1,849 |
| Provision for loan and lease losses | $200,000 | 1,993 |
| Total noninterest income | $847,000 | 1,468 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $391,000 | 884 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $456,000 | 1,607 |
| Total noninterest expense | $2,334,000 | 2,055 |
| Salaries and employee benefits | $970,000 | 2,554 |
| Premises and equipment expense | $375,000 | 1,590 |
| Additional noninterest expense | $989,000 | 1,678 |
| Pre-tax net operating income | $1,329,000 | 1,322 |
| Securities gains (losses) | $22,000 | 1,558 |
| Applicable income taxes | $315,000 | 1,255 |
| Income before extraordinary items | $1,036,000 | 1,408 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,036,000 | 1,409 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,036,000 | 1,409 |
| Net charge-offs | $-9,000 | 6,608 |
| Cash dividends | $600,000 | 741 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 713 |
| Net operating income | $1,019,060 | 1,355 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $12,301,000 | 2,267 |
| Total interest expense | $553,000 | 5,672 |
| Net interest income | $11,748,000 | 1,878 |
| Provision for loan and lease losses | $1,315,000 | 2,041 |
| Total noninterest income | $4,130,000 | 1,210 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,876,000 | 779 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,254,000 | 1,251 |
| Total noninterest expense | $9,517,000 | 2,010 |
| Salaries and employee benefits | $3,957,000 | 2,427 |
| Premises and equipment expense | $1,441,000 | 1,719 |
| Additional noninterest expense | $4,119,000 | 1,664 |
| Pre-tax net operating income | $5,046,000 | 1,176 |
| Securities gains (losses) | $48,000 | 2,611 |
| Applicable income taxes | $1,140,000 | 1,232 |
| Income before extraordinary items | $3,954,000 | 1,268 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,954,000 | 1,268 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $3,954,000 | 1,268 |
| Net charge-offs | $205,000 | 4,265 |
| Cash dividends | $1,900,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 903 |
| Net operating income | $3,916,560 | 1,203 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,250,000 | 2,288 |
| Total interest expense | $432,000 | 5,699 |
| Net interest income | $8,818,000 | 1,880 |
| Provision for loan and lease losses | $1,210,000 | 1,738 |
| Total noninterest income | $3,146,000 | 1,201 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,415,000 | 770 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,731,000 | 1,232 |
| Total noninterest expense | $7,178,000 | 2,002 |
| Salaries and employee benefits | $3,035,000 | 2,381 |
| Premises and equipment expense | $1,075,000 | 1,753 |
| Additional noninterest expense | $3,068,000 | 1,665 |
| Pre-tax net operating income | $3,576,000 | 1,272 |
| Securities gains (losses) | $10,000 | 3,052 |
| Applicable income taxes | $771,000 | 1,325 |
| Income before extraordinary items | $2,815,000 | 1,371 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,815,000 | 1,370 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,815,000 | 1,371 |
| Net charge-offs | $412,000 | 2,874 |
| Cash dividends | $1,500,000 | 829 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 828 |
| Net operating income | $2,807,200 | 1,301 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,129,000 | 2,320 |
| Total interest expense | $300,000 | 5,735 |
| Net interest income | $5,829,000 | 1,894 |
| Provision for loan and lease losses | $750,000 | 1,800 |
| Total noninterest income | $2,047,000 | 1,208 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $933,000 | 783 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,114,000 | 1,255 |
| Total noninterest expense | $4,819,000 | 2,011 |
| Salaries and employee benefits | $2,025,000 | 2,396 |
| Premises and equipment expense | $717,000 | 1,760 |
| Additional noninterest expense | $2,077,000 | 1,661 |
| Pre-tax net operating income | $2,307,000 | 1,281 |
| Securities gains (losses) | $1,000 | 2,791 |
| Applicable income taxes | $490,000 | 1,340 |
| Income before extraordinary items | $1,818,000 | 1,370 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,818,000 | 1,370 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,818,000 | 1,370 |
| Net charge-offs | $405,000 | 2,350 |
| Cash dividends | $800,000 | 975 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 819 |
| Net operating income | $1,817,210 | 1,314 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,045,000 | 2,355 |
| Total interest expense | $160,000 | 5,722 |
| Net interest income | $2,885,000 | 1,910 |
| Provision for loan and lease losses | $350,000 | 1,781 |
| Total noninterest income | $1,052,000 | 1,166 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $463,000 | 770 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $589,000 | 1,199 |
| Total noninterest expense | $2,387,000 | 2,026 |
| Salaries and employee benefits | $1,011,000 | 2,410 |
| Premises and equipment expense | $355,000 | 1,826 |
| Additional noninterest expense | $1,021,000 | 1,685 |
| Pre-tax net operating income | $1,200,000 | 1,214 |
| Securities gains (losses) | $1,000 | 1,662 |
| Applicable income taxes | $256,000 | 1,261 |
| Income before extraordinary items | $945,000 | 1,302 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $945,000 | 1,302 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $945,000 | 1,302 |
| Net charge-offs | $33,000 | 3,690 |
| Cash dividends | $400,000 | 888 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 762 |
| Net operating income | $944,210 | 1,264 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,111,000 | 2,475 |
| Total interest expense | $996,000 | 5,236 |
| Net interest income | $11,115,000 | 1,954 |
| Provision for loan and lease losses | $2,995,000 | 1,615 |
| Total noninterest income | $3,711,000 | 1,337 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,121,000 | 712 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,590,000 | 1,635 |
| Total noninterest expense | $8,872,000 | 2,190 |
| Salaries and employee benefits | $3,746,000 | 2,561 |
| Premises and equipment expense | $1,295,000 | 1,964 |
| Additional noninterest expense | $3,831,000 | 1,872 |
| Pre-tax net operating income | $2,959,000 | 1,648 |
| Securities gains (losses) | $2,000 | 3,620 |
| Applicable income taxes | $340,000 | 2,250 |
| Income before extraordinary items | $2,621,000 | 1,570 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,621,000 | 1,570 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,621,000 | 1,572 |
| Net charge-offs | $2,413,000 | 1,669 |
| Cash dividends | $500,000 | 2,343 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 1,050 |
| Net operating income | $2,619,220 | 1,524 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,077,000 | 2,529 |
| Total interest expense | $800,000 | 5,225 |
| Net interest income | $8,277,000 | 1,997 |
| Provision for loan and lease losses | $2,320,000 | 1,502 |
| Total noninterest income | $2,845,000 | 1,298 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,602,000 | 722 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,243,000 | 1,557 |
| Total noninterest expense | $6,523,000 | 2,219 |
| Salaries and employee benefits | $2,775,000 | 2,607 |
| Premises and equipment expense | $943,000 | 2,041 |
| Additional noninterest expense | $2,805,000 | 1,868 |
| Pre-tax net operating income | $2,279,000 | 1,720 |
| Securities gains (losses) | $2,000 | 3,465 |
| Applicable income taxes | $342,000 | 2,020 |
| Income before extraordinary items | $1,939,000 | 1,696 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,939,000 | 1,700 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,939,000 | 1,700 |
| Net charge-offs | $2,139,000 | 1,447 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 973 |
| Net operating income | $1,937,300 | 1,617 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,039,000 | 2,572 |
| Total interest expense | $554,000 | 5,250 |
| Net interest income | $5,485,000 | 2,020 |
| Provision for loan and lease losses | $1,890,000 | 1,327 |
| Total noninterest income | $1,826,000 | 1,309 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,069,000 | 721 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $757,000 | 1,582 |
| Total noninterest expense | $4,437,000 | 2,185 |
| Salaries and employee benefits | $1,866,000 | 2,593 |
| Premises and equipment expense | $595,000 | 2,168 |
| Additional noninterest expense | $1,976,000 | 1,776 |
| Pre-tax net operating income | $984,000 | 2,408 |
| Securities gains (losses) | $2,000 | 2,979 |
| Applicable income taxes | $49,000 | 3,292 |
| Income before extraordinary items | $937,000 | 2,235 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $937,000 | 2,234 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $937,000 | 2,237 |
| Net charge-offs | $2,118,000 | 1,086 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 955 |
| Net operating income | $935,100 | 2,165 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,975,000 | 2,658 |
| Total interest expense | $287,000 | 5,290 |
| Net interest income | $2,688,000 | 2,079 |
| Provision for loan and lease losses | $200,000 | 2,974 |
| Total noninterest income | $871,000 | 1,369 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $525,000 | 736 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $346,000 | 1,672 |
| Total noninterest expense | $2,058,000 | 2,379 |
| Salaries and employee benefits | $959,000 | 2,568 |
| Premises and equipment expense | $293,000 | 2,250 |
| Additional noninterest expense | $806,000 | 2,106 |
| Pre-tax net operating income | $1,301,000 | 1,019 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $312,000 | 1,025 |
| Income before extraordinary items | $989,000 | 1,103 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $989,000 | 1,104 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $989,000 | 1,105 |
| Net charge-offs | $61,000 | 3,562 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 904 |
| Net operating income | $989,000 | 1,069 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,676,000 | 2,834 |
| Total interest expense | $1,284,000 | 5,514 |
| Net interest income | $10,392,000 | 2,112 |
| Provision for loan and lease losses | $1,110,000 | 3,339 |
| Total noninterest income | $3,894,000 | 1,327 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,415,000 | 693 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,479,000 | 1,663 |
| Total noninterest expense | $8,206,000 | 2,413 |
| Salaries and employee benefits | $3,566,000 | 2,738 |
| Premises and equipment expense | $1,195,000 | 2,223 |
| Additional noninterest expense | $3,445,000 | 2,081 |
| Pre-tax net operating income | $4,970,000 | 842 |
| Securities gains (losses) | $149,000 | 1,796 |
| Applicable income taxes | $1,233,000 | 835 |
| Income before extraordinary items | $3,886,000 | 888 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,886,000 | 887 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $3,886,000 | 887 |
| Net charge-offs | $874,000 | 3,046 |
| Cash dividends | $2,350,000 | 775 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,205 |
| Net operating income | $3,772,760 | 910 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,730,000 | 2,874 |
| Total interest expense | $988,000 | 5,596 |
| Net interest income | $7,742,000 | 2,119 |
| Provision for loan and lease losses | $770,000 | 3,156 |
| Total noninterest income | $2,882,000 | 1,362 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,766,000 | 707 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,116,000 | 1,693 |
| Total noninterest expense | $6,096,000 | 2,429 |
| Salaries and employee benefits | $2,649,000 | 2,778 |
| Premises and equipment expense | $900,000 | 2,242 |
| Additional noninterest expense | $2,547,000 | 2,071 |
| Pre-tax net operating income | $3,758,000 | 894 |
| Securities gains (losses) | $149,000 | 1,515 |
| Applicable income taxes | $960,000 | 872 |
| Income before extraordinary items | $2,947,000 | 922 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,947,000 | 923 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,947,000 | 923 |
| Net charge-offs | $305,000 | 3,681 |
| Cash dividends | $1,550,000 | 820 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,126 |
| Net operating income | $2,835,250 | 942 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,801,000 | 2,911 |
| Total interest expense | $683,000 | 5,622 |
| Net interest income | $5,118,000 | 2,132 |
| Provision for loan and lease losses | $370,000 | 3,400 |
| Total noninterest income | $1,867,000 | 1,417 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,123,000 | 736 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $744,000 | 1,739 |
| Total noninterest expense | $4,091,000 | 2,442 |
| Salaries and employee benefits | $1,811,000 | 2,751 |
| Premises and equipment expense | $601,000 | 2,269 |
| Additional noninterest expense | $1,679,000 | 2,113 |
| Pre-tax net operating income | $2,524,000 | 904 |
| Securities gains (losses) | $103,000 | 1,474 |
| Applicable income taxes | $653,000 | 870 |
| Income before extraordinary items | $1,974,000 | 964 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,974,000 | 964 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,974,000 | 964 |
| Net charge-offs | $211,000 | 3,358 |
| Cash dividends | $775,000 | 1,171 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,123 |
| Net operating income | $1,896,750 | 969 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,887,000 | 2,955 |
| Total interest expense | $360,000 | 5,613 |
| Net interest income | $2,527,000 | 2,162 |
| Provision for loan and lease losses | $160,000 | 3,128 |
| Total noninterest income | $924,000 | 1,377 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $553,000 | 724 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $371,000 | 1,692 |
| Total noninterest expense | $2,021,000 | 2,405 |
| Salaries and employee benefits | $922,000 | 2,742 |
| Premises and equipment expense | $314,000 | 2,215 |
| Additional noninterest expense | $785,000 | 2,019 |
| Pre-tax net operating income | $1,270,000 | 997 |
| Securities gains (losses) | $29,000 | 1,527 |
| Applicable income taxes | $327,000 | 988 |
| Income before extraordinary items | $972,000 | 1,121 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $972,000 | 1,124 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $972,000 | 1,123 |
| Net charge-offs | $8,000 | 4,870 |
| Cash dividends | $775,000 | 591 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 994 |
| Net operating income | $950,250 | 1,071 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,925,000 | 2,842 |
| Total interest expense | $2,489,000 | 4,758 |
| Net interest income | $10,436,000 | 2,128 |
| Provision for loan and lease losses | $510,000 | 3,769 |
| Total noninterest income | $3,907,000 | 1,290 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,607,000 | 665 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,300,000 | 1,772 |
| Total noninterest expense | $8,133,000 | 2,345 |
| Salaries and employee benefits | $3,828,000 | 2,605 |
| Premises and equipment expense | $1,247,000 | 2,164 |
| Additional noninterest expense | $3,058,000 | 1,977 |
| Pre-tax net operating income | $5,700,000 | 980 |
| Securities gains (losses) | $35,000 | 1,832 |
| Applicable income taxes | $1,536,000 | 856 |
| Income before extraordinary items | $4,199,000 | 977 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,199,000 | 977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 4,692 |
| Cash dividends | $3,500,000 | 782 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,314 |
| Net operating income | $4,173,450 | 1,062 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,831,000 | 2,858 |
| Total interest expense | $2,042,000 | 4,639 |
| Net interest income | $7,789,000 | 2,154 |
| Provision for loan and lease losses | $260,000 | 3,789 |
| Total noninterest income | $3,042,000 | 1,299 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,990,000 | 665 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,052,000 | 1,742 |
| Total noninterest expense | $6,149,000 | 2,326 |
| Salaries and employee benefits | $2,934,000 | 2,589 |
| Premises and equipment expense | $940,000 | 2,167 |
| Additional noninterest expense | $2,275,000 | 1,922 |
| Pre-tax net operating income | $4,422,000 | 1,151 |
| Securities gains (losses) | $35,000 | 1,656 |
| Applicable income taxes | $1,223,000 | 992 |
| Income before extraordinary items | $3,234,000 | 1,136 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,234,000 | 1,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,332 |
| Cash dividends | $2,700,000 | 787 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,159 |
| Net operating income | $3,208,450 | 1,224 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,640,000 | 2,877 |
| Total interest expense | $1,516,000 | 4,479 |
| Net interest income | $5,124,000 | 2,166 |
| Provision for loan and lease losses | $145,000 | 3,718 |
| Total noninterest income | $1,949,000 | 1,355 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,310,000 | 656 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $639,000 | 1,920 |
| Total noninterest expense | $4,075,000 | 2,338 |
| Salaries and employee benefits | $1,990,000 | 2,581 |
| Premises and equipment expense | $604,000 | 2,245 |
| Additional noninterest expense | $1,481,000 | 1,947 |
| Pre-tax net operating income | $2,853,000 | 1,242 |
| Securities gains (losses) | $35,000 | 1,681 |
| Applicable income taxes | $801,000 | 1,110 |
| Income before extraordinary items | $2,087,000 | 1,321 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,087,000 | 1,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,109 |
| Cash dividends | $1,800,000 | 850 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,064 |
| Net operating income | $2,061,800 | 1,307 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,428,000 | 2,848 |
| Total interest expense | $843,000 | 4,366 |
| Net interest income | $2,585,000 | 2,141 |
| Provision for loan and lease losses | $65,000 | 3,393 |
| Total noninterest income | $864,000 | 1,480 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $628,000 | 683 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $236,000 | 2,310 |
| Total noninterest expense | $2,034,000 | 2,330 |
| Salaries and employee benefits | $1,013,000 | 2,560 |
| Premises and equipment expense | $304,000 | 2,237 |
| Additional noninterest expense | $717,000 | 1,965 |
| Pre-tax net operating income | $1,350,000 | 1,393 |
| Securities gains (losses) | $21,000 | 1,562 |
| Applicable income taxes | $380,000 | 1,239 |
| Income before extraordinary items | $991,000 | 1,509 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $991,000 | 1,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,915 |
| Cash dividends | $900,000 | 823 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 944 |
| Net operating income | $975,880 | 1,475 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,071,000 | 2,849 |
| Total interest expense | $4,047,000 | 3,988 |
| Net interest income | $10,024,000 | 2,242 |
| Provision for loan and lease losses | $160,000 | 4,234 |
| Total noninterest income | $3,818,000 | 1,346 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,474,000 | 720 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,344,000 | 1,811 |
| Total noninterest expense | $7,940,000 | 2,304 |
| Salaries and employee benefits | $3,793,000 | 2,617 |
| Premises and equipment expense | $1,196,000 | 2,170 |
| Additional noninterest expense | $2,951,000 | 1,868 |
| Pre-tax net operating income | $5,742,000 | 1,450 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,627,000 | 1,330 |
| Income before extraordinary items | $4,115,000 | 1,543 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,115,000 | 1,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,621 |
| Cash dividends | $3,500,000 | 1,048 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,223 |
| Net operating income | $4,115,000 | 1,529 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,482,000 | 2,869 |
| Total interest expense | $3,057,000 | 3,964 |
| Net interest income | $7,425,000 | 2,274 |
| Provision for loan and lease losses | $110,000 | 3,968 |
| Total noninterest income | $2,794,000 | 1,380 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,795,000 | 737 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $999,000 | 1,837 |
| Total noninterest expense | $5,907,000 | 2,298 |
| Salaries and employee benefits | $2,821,000 | 2,620 |
| Premises and equipment expense | $890,000 | 2,166 |
| Additional noninterest expense | $2,196,000 | 1,836 |
| Pre-tax net operating income | $4,202,000 | 1,606 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,175,000 | 1,470 |
| Income before extraordinary items | $3,027,000 | 1,674 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,027,000 | 1,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,724 |
| Cash dividends | $2,550,000 | 1,003 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,085 |
| Net operating income | $3,027,000 | 1,660 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,919,000 | 2,907 |
| Total interest expense | $2,039,000 | 3,964 |
| Net interest income | $4,880,000 | 2,327 |
| Provision for loan and lease losses | $20,000 | 5,312 |
| Total noninterest income | $1,796,000 | 1,438 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,127,000 | 789 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $669,000 | 1,841 |
| Total noninterest expense | $3,912,000 | 2,334 |
| Salaries and employee benefits | $1,878,000 | 2,658 |
| Premises and equipment expense | $594,000 | 2,178 |
| Additional noninterest expense | $1,440,000 | 1,882 |
| Pre-tax net operating income | $2,744,000 | 1,673 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $768,000 | 1,537 |
| Income before extraordinary items | $1,976,000 | 1,752 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,976,000 | 1,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,420 |
| Cash dividends | $1,600,000 | 1,051 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,000 |
| Net operating income | $1,976,000 | 1,736 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,392,000 | 2,958 |
| Total interest expense | $1,016,000 | 3,967 |
| Net interest income | $2,376,000 | 2,393 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $827,000 | 1,526 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $542,000 | 789 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $285,000 | 2,025 |
| Total noninterest expense | $1,979,000 | 2,306 |
| Salaries and employee benefits | $952,000 | 2,660 |
| Premises and equipment expense | $301,000 | 2,175 |
| Additional noninterest expense | $726,000 | 1,845 |
| Pre-tax net operating income | $1,204,000 | 1,857 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $325,000 | 1,760 |
| Income before extraordinary items | $879,000 | 1,911 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $879,000 | 1,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $750,000 | 1,020 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 840 |
| Net operating income | $879,000 | 1,903 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,137,000 | 2,860 |
| Total interest expense | $3,816,000 | 3,708 |
| Net interest income | $9,321,000 | 2,439 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $3,690,000 | 1,368 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,495,000 | 708 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,195,000 | 1,971 |
| Total noninterest expense | $7,823,000 | 2,254 |
| Salaries and employee benefits | $3,755,000 | 2,584 |
| Premises and equipment expense | $1,139,000 | 2,165 |
| Additional noninterest expense | $2,929,000 | 1,802 |
| Pre-tax net operating income | $5,188,000 | 1,825 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,427,000 | 1,745 |
| Income before extraordinary items | $3,761,000 | 1,890 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,761,000 | 1,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,861 |
| Cash dividends | $3,550,000 | 967 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,182 |
| Net operating income | $3,761,000 | 1,872 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,739,000 | 2,867 |
| Total interest expense | $2,828,000 | 3,651 |
| Net interest income | $6,911,000 | 2,482 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $2,800,000 | 1,378 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,897,000 | 707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $903,000 | 1,969 |
| Total noninterest expense | $5,709,000 | 2,312 |
| Salaries and employee benefits | $2,834,000 | 2,566 |
| Premises and equipment expense | $814,000 | 2,287 |
| Additional noninterest expense | $2,061,000 | 1,895 |
| Pre-tax net operating income | $4,002,000 | 1,842 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,108,000 | 1,757 |
| Income before extraordinary items | $2,894,000 | 1,892 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,894,000 | 1,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $2,800,000 | 877 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 994 |
| Net operating income | $2,894,000 | 1,877 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,374,000 | 2,877 |
| Total interest expense | $1,870,000 | 3,579 |
| Net interest income | $4,504,000 | 2,537 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,897,000 | 1,359 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,274,000 | 679 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $623,000 | 1,909 |
| Total noninterest expense | $3,788,000 | 2,335 |
| Salaries and employee benefits | $1,899,000 | 2,551 |
| Premises and equipment expense | $541,000 | 2,291 |
| Additional noninterest expense | $1,348,000 | 1,944 |
| Pre-tax net operating income | $2,613,000 | 1,880 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $719,000 | 1,820 |
| Income before extraordinary items | $1,894,000 | 1,930 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,894,000 | 1,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,722 |
| Cash dividends | $1,800,000 | 898 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 851 |
| Net operating income | $1,894,000 | 1,911 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,094,000 | 2,894 |
| Total interest expense | $942,000 | 3,409 |
| Net interest income | $2,152,000 | 2,630 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $893,000 | 1,393 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $629,000 | 661 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $264,000 | 2,128 |
| Total noninterest expense | $1,886,000 | 2,355 |
| Salaries and employee benefits | $976,000 | 2,504 |
| Premises and equipment expense | $265,000 | 2,355 |
| Additional noninterest expense | $645,000 | 2,020 |
| Pre-tax net operating income | $1,159,000 | 2,039 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $308,000 | 1,986 |
| Income before extraordinary items | $851,000 | 2,070 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $851,000 | 2,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $800,000 | 899 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $851,000 | 2,058 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,534,000 | 2,798 |
| Total interest expense | $3,024,000 | 3,308 |
| Net interest income | $8,510,000 | 2,554 |
| Provision for loan and lease losses | $301,000 | 2,795 |
| Total noninterest income | $4,303,000 | 1,210 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,554,000 | 685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,749,000 | 1,488 |
| Total noninterest expense | $7,197,000 | 2,324 |
| Salaries and employee benefits | $3,390,000 | 2,666 |
| Premises and equipment expense | $1,009,000 | 2,344 |
| Additional noninterest expense | $2,798,000 | 1,804 |
| Pre-tax net operating income | $5,315,000 | 1,761 |
| Securities gains (losses) | $-47,000 | 8,155 |
| Applicable income taxes | $1,468,000 | 1,722 |
| Income before extraordinary items | $3,800,000 | 1,814 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,800,000 | 1,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 3,744 |
| Cash dividends | $3,896,000 | 839 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,833,840 | 1,777 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,519,000 | 2,776 |
| Total interest expense | $2,156,000 | 3,291 |
| Net interest income | $6,363,000 | 2,546 |
| Provision for loan and lease losses | $182,000 | 3,112 |
| Total noninterest income | $3,391,000 | 1,176 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,915,000 | 680 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,476,000 | 1,386 |
| Total noninterest expense | $5,327,000 | 2,324 |
| Salaries and employee benefits | $2,587,000 | 2,580 |
| Premises and equipment expense | $731,000 | 2,411 |
| Additional noninterest expense | $2,009,000 | 1,855 |
| Pre-tax net operating income | $4,245,000 | 1,677 |
| Securities gains (losses) | $-5,000 | 7,675 |
| Applicable income taxes | $1,208,000 | 1,642 |
| Income before extraordinary items | $3,032,000 | 1,735 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,032,000 | 1,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,120 |
| Cash dividends | $3,071,000 | 723 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,035,600 | 1,706 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,600,000 | 2,752 |
| Total interest expense | $1,390,000 | 3,241 |
| Net interest income | $4,210,000 | 2,537 |
| Provision for loan and lease losses | $107,000 | 3,266 |
| Total noninterest income | $2,361,000 | 1,122 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,265,000 | 666 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,096,000 | 1,251 |
| Total noninterest expense | $3,504,000 | 2,351 |
| Salaries and employee benefits | $1,714,000 | 2,591 |
| Premises and equipment expense | $481,000 | 2,421 |
| Additional noninterest expense | $1,309,000 | 1,881 |
| Pre-tax net operating income | $2,960,000 | 1,573 |
| Securities gains (losses) | $-5,000 | 7,925 |
| Applicable income taxes | $859,000 | 1,532 |
| Income before extraordinary items | $2,096,000 | 1,639 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,096,000 | 1,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,409 |
| Cash dividends | $2,078,000 | 693 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,099,550 | 1,608 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,764,000 | 2,752 |
| Total interest expense | $675,000 | 3,208 |
| Net interest income | $2,089,000 | 2,557 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $1,272,000 | 1,037 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $603,000 | 673 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $669,000 | 1,079 |
| Total noninterest expense | $1,725,000 | 2,384 |
| Salaries and employee benefits | $854,000 | 2,620 |
| Premises and equipment expense | $235,000 | 2,492 |
| Additional noninterest expense | $636,000 | 1,929 |
| Pre-tax net operating income | $1,536,000 | 1,484 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $452,000 | 1,459 |
| Income before extraordinary items | $1,084,000 | 1,551 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,084,000 | 1,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,512 |
| Cash dividends | $950,000 | 713 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,084,000 | 1,529 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,440,000 | 2,714 |
| Total interest expense | $1,954,000 | 3,719 |
| Net interest income | $8,486,000 | 2,407 |
| Provision for loan and lease losses | $253,000 | 3,226 |
| Total noninterest income | $3,785,000 | 1,339 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,608,000 | 674 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,177,000 | 1,934 |
| Total noninterest expense | $6,796,000 | 2,358 |
| Salaries and employee benefits | $3,313,000 | 2,603 |
| Premises and equipment expense | $901,000 | 2,515 |
| Additional noninterest expense | $2,582,000 | 1,882 |
| Pre-tax net operating income | $5,222,000 | 1,631 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $1,484,000 | 1,618 |
| Income before extraordinary items | $3,739,000 | 1,716 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,739,000 | 1,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,312 |
| Cash dividends | $3,650,000 | 825 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,738,280 | 1,671 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,762,000 | 2,710 |
| Total interest expense | $1,411,000 | 3,790 |
| Net interest income | $6,351,000 | 2,385 |
| Provision for loan and lease losses | $253,000 | 2,556 |
| Total noninterest income | $2,868,000 | 1,345 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,918,000 | 692 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $950,000 | 1,838 |
| Total noninterest expense | $5,087,000 | 2,342 |
| Salaries and employee benefits | $2,524,000 | 2,555 |
| Premises and equipment expense | $671,000 | 2,523 |
| Additional noninterest expense | $1,892,000 | 1,899 |
| Pre-tax net operating income | $3,879,000 | 1,659 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $1,100,000 | 1,646 |
| Income before extraordinary items | $2,778,000 | 1,745 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,778,000 | 1,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 2,719 |
| Cash dividends | $2,675,000 | 770 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,778,720 | 1,693 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,117,000 | 2,727 |
| Total interest expense | $918,000 | 3,861 |
| Net interest income | $4,199,000 | 2,378 |
| Provision for loan and lease losses | $142,000 | 2,870 |
| Total noninterest income | $1,845,000 | 1,365 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,175,000 | 742 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $670,000 | 1,778 |
| Total noninterest expense | $3,388,000 | 2,341 |
| Salaries and employee benefits | $1,688,000 | 2,550 |
| Premises and equipment expense | $451,000 | 2,496 |
| Additional noninterest expense | $1,249,000 | 1,910 |
| Pre-tax net operating income | $2,514,000 | 1,671 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $709,000 | 1,694 |
| Income before extraordinary items | $1,805,000 | 1,764 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,805,000 | 1,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 2,335 |
| Cash dividends | $1,725,000 | 787 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,805,000 | 1,703 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,557,000 | 2,730 |
| Total interest expense | $467,000 | 3,861 |
| Net interest income | $2,090,000 | 2,389 |
| Provision for loan and lease losses | $70,000 | 2,755 |
| Total noninterest income | $841,000 | 1,436 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $553,000 | 767 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $288,000 | 1,934 |
| Total noninterest expense | $1,685,000 | 2,358 |
| Salaries and employee benefits | $836,000 | 2,584 |
| Premises and equipment expense | $220,000 | 2,567 |
| Additional noninterest expense | $629,000 | 1,871 |
| Pre-tax net operating income | $1,176,000 | 1,757 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $327,000 | 1,809 |
| Income before extraordinary items | $849,000 | 1,840 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $849,000 | 1,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 1,505 |
| Cash dividends | $825,000 | 783 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $849,000 | 1,757 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,428,000 | 2,707 |
| Total interest expense | $2,081,000 | 3,905 |
| Net interest income | $8,347,000 | 2,330 |
| Provision for loan and lease losses | $393,000 | 2,628 |
| Total noninterest income | $3,581,000 | 1,460 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,222,000 | 776 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,359,000 | 1,951 |
| Total noninterest expense | $6,498,000 | 2,416 |
| Salaries and employee benefits | $3,206,000 | 2,623 |
| Premises and equipment expense | $932,000 | 2,412 |
| Additional noninterest expense | $2,360,000 | 2,043 |
| Pre-tax net operating income | $5,037,000 | 1,610 |
| Securities gains (losses) | $21,000 | 3,192 |
| Applicable income taxes | $1,504,000 | 1,621 |
| Income before extraordinary items | $3,554,000 | 1,753 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,554,000 | 1,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 2,265 |
| Cash dividends | $3,450,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,539,300 | 1,678 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,869,000 | 2,735 |
| Total interest expense | $1,615,000 | 3,914 |
| Net interest income | $6,254,000 | 2,336 |
| Provision for loan and lease losses | $232,000 | 3,003 |
| Total noninterest income | $2,752,000 | 1,471 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,676,000 | 779 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,076,000 | 1,947 |
| Total noninterest expense | $4,841,000 | 2,445 |
| Salaries and employee benefits | $2,460,000 | 2,566 |
| Premises and equipment expense | $680,000 | 2,483 |
| Additional noninterest expense | $1,701,000 | 2,111 |
| Pre-tax net operating income | $3,933,000 | 1,605 |
| Securities gains (losses) | $20,000 | 2,954 |
| Applicable income taxes | $1,201,000 | 1,610 |
| Income before extraordinary items | $2,752,000 | 1,749 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,752,000 | 1,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,473 |
| Cash dividends | $2,575,000 | 827 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,738,000 | 1,663 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,368,000 | 2,704 |
| Total interest expense | $1,104,000 | 3,942 |
| Net interest income | $4,264,000 | 2,285 |
| Provision for loan and lease losses | $139,000 | 3,249 |
| Total noninterest income | $1,862,000 | 1,440 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,103,000 | 779 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $759,000 | 1,861 |
| Total noninterest expense | $3,258,000 | 2,405 |
| Salaries and employee benefits | $1,675,000 | 2,502 |
| Premises and equipment expense | $447,000 | 2,500 |
| Additional noninterest expense | $1,136,000 | 2,105 |
| Pre-tax net operating income | $2,729,000 | 1,541 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $842,000 | 1,553 |
| Income before extraordinary items | $1,887,000 | 1,717 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,887,000 | 1,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,734 |
| Cash dividends | $1,700,000 | 855 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,887,000 | 1,613 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,732,000 | 2,675 |
| Total interest expense | $574,000 | 3,894 |
| Net interest income | $2,158,000 | 2,251 |
| Provision for loan and lease losses | $71,000 | 3,047 |
| Total noninterest income | $832,000 | 1,537 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $532,000 | 777 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $300,000 | 2,110 |
| Total noninterest expense | $1,618,000 | 2,399 |
| Salaries and employee benefits | $838,000 | 2,514 |
| Premises and equipment expense | $217,000 | 2,575 |
| Additional noninterest expense | $563,000 | 2,089 |
| Pre-tax net operating income | $1,301,000 | 1,619 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $398,000 | 1,628 |
| Income before extraordinary items | $903,000 | 1,763 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $903,000 | 1,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,807 |
| Cash dividends | $850,000 | 791 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $903,000 | 1,650 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,028,000 | 2,556 |
| Total interest expense | $3,097,000 | 3,456 |
| Net interest income | $8,931,000 | 2,175 |
| Provision for loan and lease losses | $755,000 | 1,721 |
| Total noninterest income | $3,171,000 | 1,502 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,105,000 | 768 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,066,000 | 2,087 |
| Total noninterest expense | $6,381,000 | 2,336 |
| Salaries and employee benefits | $3,155,000 | 2,506 |
| Premises and equipment expense | $929,000 | 2,337 |
| Additional noninterest expense | $2,297,000 | 2,012 |
| Pre-tax net operating income | $4,966,000 | 1,640 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,515,000 | 1,636 |
| Income before extraordinary items | $3,451,000 | 1,738 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,451,000 | 1,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $797,000 | 1,164 |
| Cash dividends | $2,300,000 | 1,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,451,000 | 1,681 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,441,000 | 2,545 |
| Total interest expense | $5,075,000 | 3,114 |
| Net interest income | $8,366,000 | 2,137 |
| Provision for loan and lease losses | $609,000 | 1,877 |
| Total noninterest income | $3,052,000 | 1,464 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,081,000 | 716 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $971,000 | 2,083 |
| Total noninterest expense | $6,192,000 | 2,304 |
| Salaries and employee benefits | $2,941,000 | 2,557 |
| Premises and equipment expense | $977,000 | 2,188 |
| Additional noninterest expense | $2,274,000 | 1,976 |
| Pre-tax net operating income | $4,617,000 | 1,567 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $1,519,000 | 1,479 |
| Income before extraordinary items | $3,121,000 | 1,682 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,121,000 | 1,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $553,000 | 1,453 |
| Cash dividends | $2,975,000 | 945 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,105,590 | 1,623 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,148,000 | 2,448 |
| Total interest expense | $5,940,000 | 2,813 |
| Net interest income | $8,208,000 | 2,161 |
| Provision for loan and lease losses | $245,000 | 3,282 |
| Total noninterest income | $2,819,000 | 1,428 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,927,000 | 708 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $892,000 | 2,005 |
| Total noninterest expense | $6,009,000 | 2,277 |
| Salaries and employee benefits | $2,927,000 | 2,445 |
| Premises and equipment expense | $913,000 | 2,258 |
| Additional noninterest expense | $2,169,000 | 2,002 |
| Pre-tax net operating income | $4,773,000 | 1,551 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,590,000 | 1,437 |
| Income before extraordinary items | $3,183,000 | 1,648 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,183,000 | 1,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,523 |
| Cash dividends | $2,925,000 | 993 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,183,000 | 1,642 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,971,000 | 2,519 |
| Total interest expense | $4,700,000 | 3,100 |
| Net interest income | $8,271,000 | 2,124 |
| Provision for loan and lease losses | $78,000 | 5,718 |
| Total noninterest income | $2,505,000 | 1,565 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,768,000 | 754 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $737,000 | 2,287 |
| Total noninterest expense | $6,083,000 | 2,250 |
| Salaries and employee benefits | $3,038,000 | 2,313 |
| Premises and equipment expense | $891,000 | 2,278 |
| Additional noninterest expense | $2,154,000 | 2,028 |
| Pre-tax net operating income | $4,615,000 | 1,629 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,553,000 | 1,550 |
| Income before extraordinary items | $3,062,000 | 1,736 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,062,000 | 1,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $2,554,000 | 1,108 |
| Sale, conversion, retirement of capital stock, net | $-730,000 | 10,168 |
| Net operating income | $3,062,000 | 1,708 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,523,000 | 4,151 |
| Total interest expense | $3,024,000 | 4,694 |
| Net interest income | $4,499,000 | 3,734 |
| Provision for loan and lease losses | $247,000 | 3,019 |
| Total noninterest income | $1,253,000 | 2,599 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $904,000 | 1,392 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $349,000 | 3,709 |
| Total noninterest expense | $3,164,000 | 3,926 |
| Salaries and employee benefits | $1,585,000 | 4,069 |
| Premises and equipment expense | $516,000 | 3,601 |
| Additional noninterest expense | $1,063,000 | 3,747 |
| Pre-tax net operating income | $2,341,000 | 2,948 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $771,000 | 2,818 |
| Income before extraordinary items | $1,570,000 | 3,135 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,570,000 | 3,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,758 |
| Cash dividends | $1,150,000 | 2,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,570,000 | 3,045 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,093,000 | 4,449 |
| Total interest expense | $3,103,000 | 4,572 |
| Net interest income | $3,990,000 | 4,245 |
| Provision for loan and lease losses | $-75,000 | 10,748 |
| Total noninterest income | $1,235,000 | 2,564 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $733,000 | 1,776 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $502,000 | 2,817 |
| Total noninterest expense | $3,232,000 | 3,864 |
| Salaries and employee benefits | $1,535,000 | 4,174 |
| Premises and equipment expense | $504,000 | 3,677 |
| Additional noninterest expense | $1,193,000 | 3,375 |
| Pre-tax net operating income | $2,068,000 | 3,421 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $602,000 | 3,656 |
| Income before extraordinary items | $1,466,000 | 3,427 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,466,000 | 3,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,417 |
| Cash dividends | $1,100,000 | 2,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,466,000 | 3,349 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,581,000 | 4,818 |
| Total interest expense | $2,798,000 | 5,081 |
| Net interest income | $3,783,000 | 4,526 |
| Provision for loan and lease losses | $-80,000 | 11,247 |
| Total noninterest income | $1,228,000 | 2,639 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $585,000 | 2,322 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $643,000 | 2,445 |
| Total noninterest expense | $2,882,000 | 4,430 |
| Salaries and employee benefits | $1,343,000 | 4,744 |
| Premises and equipment expense | $446,000 | 4,140 |
| Additional noninterest expense | $1,093,000 | 4,079 |
| Pre-tax net operating income | $2,209,000 | 3,146 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $649,000 | 3,367 |
| Income before extraordinary items | $1,558,000 | 3,083 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,558,000 | 3,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 10,764 |
| Cash dividends | $2,100,000 | 1,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,559,420 | 3,044 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,463,000 | 4,873 |
| Total interest expense | $3,002,000 | 4,756 |
| Net interest income | $3,461,000 | 4,916 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $756,000 | 3,846 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $450,000 | 3,009 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $306,000 | 3,951 |
| Total noninterest expense | $2,751,000 | 4,597 |
| Salaries and employee benefits | $1,243,000 | 5,061 |
| Premises and equipment expense | $420,000 | 4,345 |
| Additional noninterest expense | $1,088,000 | 4,063 |
| Pre-tax net operating income | $1,466,000 | 4,532 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $387,000 | 5,060 |
| Income before extraordinary items | $1,079,000 | 4,317 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,079,000 | 4,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,707 |
| Cash dividends | $800,000 | 2,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,079,000 | 4,308 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,874,000 | 4,960 |
| Total interest expense | $2,394,000 | 4,822 |
| Net interest income | $3,480,000 | 4,964 |
| Provision for loan and lease losses | $-200,000 | 12,313 |
| Total noninterest income | $604,000 | 4,632 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $352,000 | 3,813 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $252,000 | 4,576 |
| Total noninterest expense | $2,764,000 | 4,743 |
| Salaries and employee benefits | $1,300,000 | 4,878 |
| Premises and equipment expense | $382,000 | 4,770 |
| Additional noninterest expense | $1,082,000 | 4,411 |
| Pre-tax net operating income | $1,520,000 | 4,367 |
| Securities gains (losses) | $-137,000 | 11,736 |
| Applicable income taxes | $359,000 | 5,167 |
| Income before extraordinary items | $1,024,000 | 4,452 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,024,000 | 4,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-117,000 | 12,281 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,125,380 | 4,127 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,289,000 | 5,505 |
| Total interest expense | $2,006,000 | 5,817 |
| Net interest income | $3,283,000 | 5,234 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $410,000 | 6,369 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $297,000 | 4,471 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $113,000 | 7,504 |
| Total noninterest expense | $3,056,000 | 4,437 |
| Salaries and employee benefits | $1,195,000 | 5,263 |
| Premises and equipment expense | $313,000 | 5,644 |
| Additional noninterest expense | $1,548,000 | 3,414 |
| Pre-tax net operating income | $617,000 | 7,840 |
| Securities gains (losses) | $40,000 | 3,728 |
| Applicable income taxes | $101,000 | 9,717 |
| Income before extraordinary items | $556,000 | 7,108 |
| Extraordinary gains, net | $817,000 | 274 |
| Net income | $1,373,000 | 3,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,760 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $522,000 | 7,123 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,042,000 | 5,456 |
| Total interest expense | $2,611,000 | 5,775 |
| Net interest income | $3,431,000 | 5,096 |
| Provision for loan and lease losses | $104,000 | 7,172 |
| Total noninterest income | $380,000 | 6,733 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $271,000 | 4,810 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $109,000 | 7,780 |
| Total noninterest expense | $2,685,000 | 4,982 |
| Salaries and employee benefits | $1,142,000 | 5,410 |
| Premises and equipment expense | $290,000 | 6,114 |
| Additional noninterest expense | $1,253,000 | 4,175 |
| Pre-tax net operating income | $1,022,000 | 5,536 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $222,000 | 7,147 |
| Income before extraordinary items | $800,000 | 5,370 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $800,000 | 5,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 3,563 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $800,000 | 5,058 |
* 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.