Home > First Financial Bank > Income and Expense
First Financial Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,156,000 | 2,735 |
| Total interest expense | $241,000 | 6,019 |
| Net interest income | $6,915,000 | 2,370 |
| Provision for loan and lease losses | $86,000 | 4,544 |
| Total noninterest income | $1,169,000 | 2,561 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $555,000 | 1,826 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $614,000 | 2,648 |
| Total noninterest expense | $3,333,000 | 3,800 |
| Salaries and employee benefits | $1,599,000 | 3,982 |
| Premises and equipment expense | $368,000 | 3,917 |
| Additional noninterest expense | $1,366,000 | 3,345 |
| Pre-tax net operating income | $4,665,000 | 1,149 |
| Securities gains (losses) | $128,000 | 1,801 |
| Applicable income taxes | $1,442,000 | 936 |
| Income before extraordinary items | $3,351,000 | 1,351 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $3,351,000 | 1,352 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $3,351,000 | 1,352 |
| Net charge-offs | $96,000 | 4,007 |
| Cash dividends | $1,300,000 | 1,108 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 802 |
| Net operating income | $3,261,400 | 1,304 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,792,000 | 2,749 |
| Total interest expense | $173,000 | 6,013 |
| Net interest income | $4,619,000 | 2,362 |
| Provision for loan and lease losses | $83,000 | 4,087 |
| Total noninterest income | $756,000 | 2,568 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $357,000 | 1,871 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $399,000 | 2,652 |
| Total noninterest expense | $2,168,000 | 3,867 |
| Salaries and employee benefits | $1,051,000 | 4,051 |
| Premises and equipment expense | $243,000 | 3,940 |
| Additional noninterest expense | $874,000 | 3,451 |
| Pre-tax net operating income | $3,124,000 | 1,140 |
| Securities gains (losses) | $82,000 | 1,724 |
| Applicable income taxes | $964,000 | 918 |
| Income before extraordinary items | $2,242,000 | 1,326 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,242,000 | 1,326 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,242,000 | 1,326 |
| Net charge-offs | $53,000 | 3,981 |
| Cash dividends | $850,000 | 1,113 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 775 |
| Net operating income | $2,184,600 | 1,279 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,403,000 | 2,770 |
| Total interest expense | $93,000 | 6,000 |
| Net interest income | $2,310,000 | 2,372 |
| Provision for loan and lease losses | $42,000 | 3,886 |
| Total noninterest income | $381,000 | 2,556 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $177,000 | 1,874 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $204,000 | 2,623 |
| Total noninterest expense | $1,078,000 | 3,889 |
| Salaries and employee benefits | $522,000 | 4,096 |
| Premises and equipment expense | $123,000 | 3,927 |
| Additional noninterest expense | $433,000 | 3,457 |
| Pre-tax net operating income | $1,571,000 | 1,116 |
| Securities gains (losses) | $82,000 | 992 |
| Applicable income taxes | $501,000 | 880 |
| Income before extraordinary items | $1,152,000 | 1,260 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,152,000 | 1,261 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,152,000 | 1,261 |
| Net charge-offs | $22,000 | 3,626 |
| Cash dividends | $400,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 713 |
| Net operating income | $1,094,600 | 1,255 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,900,000 | 2,780 |
| Total interest expense | $536,000 | 5,720 |
| Net interest income | $9,364,000 | 2,337 |
| Provision for loan and lease losses | $275,000 | 4,242 |
| Total noninterest income | $1,538,000 | 2,408 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $789,000 | 1,801 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $749,000 | 2,540 |
| Total noninterest expense | $4,717,000 | 3,688 |
| Salaries and employee benefits | $2,149,000 | 3,971 |
| Premises and equipment expense | $476,000 | 4,171 |
| Additional noninterest expense | $2,092,000 | 3,018 |
| Pre-tax net operating income | $5,910,000 | 1,017 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $1,803,000 | 866 |
| Income before extraordinary items | $4,107,000 | 1,220 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,107,000 | 1,220 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $4,107,000 | 1,220 |
| Net charge-offs | $258,000 | 3,977 |
| Cash dividends | $1,900,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 951 |
| Net operating income | $4,107,000 | 1,149 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,499,000 | 2,786 |
| Total interest expense | $429,000 | 5,714 |
| Net interest income | $7,070,000 | 2,324 |
| Provision for loan and lease losses | $225,000 | 3,970 |
| Total noninterest income | $1,147,000 | 2,413 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $602,000 | 1,790 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $545,000 | 2,572 |
| Total noninterest expense | $3,560,000 | 3,677 |
| Salaries and employee benefits | $1,634,000 | 3,932 |
| Premises and equipment expense | $353,000 | 4,232 |
| Additional noninterest expense | $1,573,000 | 3,013 |
| Pre-tax net operating income | $4,432,000 | 1,044 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $1,361,000 | 859 |
| Income before extraordinary items | $3,071,000 | 1,264 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,071,000 | 1,264 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $3,071,000 | 1,264 |
| Net charge-offs | $91,000 | 4,521 |
| Cash dividends | $1,500,000 | 829 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 896 |
| Net operating income | $3,071,000 | 1,189 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,987,000 | 2,810 |
| Total interest expense | $306,000 | 5,704 |
| Net interest income | $4,681,000 | 2,345 |
| Provision for loan and lease losses | $224,000 | 3,394 |
| Total noninterest income | $694,000 | 2,555 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $403,000 | 1,758 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $291,000 | 2,919 |
| Total noninterest expense | $2,265,000 | 3,844 |
| Salaries and employee benefits | $1,107,000 | 3,942 |
| Premises and equipment expense | $231,000 | 4,319 |
| Additional noninterest expense | $927,000 | 3,377 |
| Pre-tax net operating income | $2,886,000 | 1,047 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $887,000 | 840 |
| Income before extraordinary items | $1,999,000 | 1,254 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,999,000 | 1,254 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,999,000 | 1,254 |
| Net charge-offs | $91,000 | 3,938 |
| Cash dividends | $1,000,000 | 803 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 844 |
| Net operating income | $1,999,000 | 1,194 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,451,000 | 2,872 |
| Total interest expense | $167,000 | 5,631 |
| Net interest income | $2,284,000 | 2,405 |
| Provision for loan and lease losses | $159,000 | 2,698 |
| Total noninterest income | $312,000 | 2,767 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $205,000 | 1,710 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $107,000 | 3,447 |
| Total noninterest expense | $1,157,000 | 3,792 |
| Salaries and employee benefits | $559,000 | 3,922 |
| Premises and equipment expense | $119,000 | 4,293 |
| Additional noninterest expense | $479,000 | 3,294 |
| Pre-tax net operating income | $1,280,000 | 1,143 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $387,000 | 910 |
| Income before extraordinary items | $893,000 | 1,352 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $893,000 | 1,352 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $893,000 | 1,352 |
| Net charge-offs | $61,000 | 3,186 |
| Cash dividends | $500,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 788 |
| Net operating income | $893,000 | 1,312 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,725,000 | 3,022 |
| Total interest expense | $986,000 | 5,259 |
| Net interest income | $8,739,000 | 2,518 |
| Provision for loan and lease losses | $480,000 | 4,200 |
| Total noninterest income | $1,610,000 | 2,421 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $998,000 | 1,506 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $612,000 | 2,880 |
| Total noninterest expense | $4,316,000 | 4,003 |
| Salaries and employee benefits | $2,132,000 | 4,057 |
| Premises and equipment expense | $490,000 | 4,238 |
| Additional noninterest expense | $1,694,000 | 3,683 |
| Pre-tax net operating income | $5,553,000 | 926 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $1,729,000 | 817 |
| Income before extraordinary items | $3,824,000 | 1,135 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,824,000 | 1,137 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $3,824,000 | 1,138 |
| Net charge-offs | $200,000 | 4,770 |
| Cash dividends | $4,900,000 | 347 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 1,110 |
| Net operating income | $3,824,000 | 1,091 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,134,000 | 3,138 |
| Total interest expense | $770,000 | 5,321 |
| Net interest income | $6,364,000 | 2,611 |
| Provision for loan and lease losses | $230,000 | 4,675 |
| Total noninterest income | $1,215,000 | 2,401 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $763,000 | 1,537 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $452,000 | 2,918 |
| Total noninterest expense | $3,161,000 | 4,076 |
| Salaries and employee benefits | $1,600,000 | 4,084 |
| Premises and equipment expense | $360,000 | 4,357 |
| Additional noninterest expense | $1,201,000 | 3,802 |
| Pre-tax net operating income | $4,188,000 | 971 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $1,309,000 | 834 |
| Income before extraordinary items | $2,879,000 | 1,166 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,879,000 | 1,170 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,879,000 | 1,170 |
| Net charge-offs | $54,000 | 5,452 |
| Cash dividends | $4,250,000 | 263 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 1,035 |
| Net operating income | $2,879,000 | 1,118 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,712,000 | 3,198 |
| Total interest expense | $522,000 | 5,379 |
| Net interest income | $4,190,000 | 2,646 |
| Provision for loan and lease losses | $130,000 | 4,798 |
| Total noninterest income | $808,000 | 2,363 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $512,000 | 1,536 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $296,000 | 2,858 |
| Total noninterest expense | $2,060,000 | 4,148 |
| Salaries and employee benefits | $1,069,000 | 4,103 |
| Premises and equipment expense | $235,000 | 4,435 |
| Additional noninterest expense | $756,000 | 3,932 |
| Pre-tax net operating income | $2,808,000 | 963 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $877,000 | 804 |
| Income before extraordinary items | $1,931,000 | 1,158 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,931,000 | 1,159 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,931,000 | 1,159 |
| Net charge-offs | $63,000 | 4,678 |
| Cash dividends | $3,000,000 | 232 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 967 |
| Net operating income | $1,931,000 | 1,110 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,305,000 | 3,311 |
| Total interest expense | $263,000 | 5,498 |
| Net interest income | $2,042,000 | 2,730 |
| Provision for loan and lease losses | $100,000 | 3,933 |
| Total noninterest income | $383,000 | 2,448 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $245,000 | 1,591 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $138,000 | 2,988 |
| Total noninterest expense | $1,035,000 | 4,182 |
| Salaries and employee benefits | $543,000 | 4,111 |
| Premises and equipment expense | $117,000 | 4,526 |
| Additional noninterest expense | $375,000 | 3,966 |
| Pre-tax net operating income | $1,290,000 | 1,030 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $398,000 | 842 |
| Income before extraordinary items | $892,000 | 1,221 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $892,000 | 1,224 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $892,000 | 1,223 |
| Net charge-offs | $22,000 | 4,360 |
| Cash dividends | $1,500,000 | 226 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 934 |
| Net operating income | $892,000 | 1,195 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,528,000 | 3,350 |
| Total interest expense | $1,276,000 | 5,529 |
| Net interest income | $8,252,000 | 2,647 |
| Provision for loan and lease losses | $816,000 | 3,816 |
| Total noninterest income | $1,572,000 | 2,478 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,024,000 | 1,648 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $548,000 | 3,045 |
| Total noninterest expense | $4,007,000 | 4,331 |
| Salaries and employee benefits | $2,066,000 | 4,251 |
| Premises and equipment expense | $476,000 | 4,506 |
| Additional noninterest expense | $1,465,000 | 4,142 |
| Pre-tax net operating income | $5,001,000 | 839 |
| Securities gains (losses) | $109,000 | 2,070 |
| Applicable income taxes | $1,568,000 | 680 |
| Income before extraordinary items | $3,542,000 | 963 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,542,000 | 961 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $3,542,000 | 962 |
| Net charge-offs | $203,000 | 4,991 |
| Cash dividends | $2,215,000 | 820 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,250 |
| Net operating income | $3,466,790 | 978 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,166,000 | 3,389 |
| Total interest expense | $997,000 | 5,566 |
| Net interest income | $6,169,000 | 2,662 |
| Provision for loan and lease losses | $581,000 | 3,572 |
| Total noninterest income | $1,151,000 | 2,574 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $749,000 | 1,690 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $402,000 | 3,177 |
| Total noninterest expense | $2,950,000 | 4,399 |
| Salaries and employee benefits | $1,500,000 | 4,387 |
| Premises and equipment expense | $364,000 | 4,509 |
| Additional noninterest expense | $1,086,000 | 4,163 |
| Pre-tax net operating income | $3,789,000 | 889 |
| Securities gains (losses) | $56,000 | 2,228 |
| Applicable income taxes | $1,180,000 | 742 |
| Income before extraordinary items | $2,665,000 | 1,017 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,665,000 | 1,016 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,665,000 | 1,017 |
| Net charge-offs | $149,000 | 4,617 |
| Cash dividends | $1,165,000 | 1,099 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,197 |
| Net operating income | $2,626,360 | 1,016 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,785,000 | 3,410 |
| Total interest expense | $708,000 | 5,545 |
| Net interest income | $4,077,000 | 2,664 |
| Provision for loan and lease losses | $340,000 | 3,522 |
| Total noninterest income | $725,000 | 2,682 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $466,000 | 1,775 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $259,000 | 3,241 |
| Total noninterest expense | $1,959,000 | 4,437 |
| Salaries and employee benefits | $993,000 | 4,460 |
| Premises and equipment expense | $243,000 | 4,535 |
| Additional noninterest expense | $723,000 | 4,172 |
| Pre-tax net operating income | $2,503,000 | 913 |
| Securities gains (losses) | $56,000 | 1,844 |
| Applicable income taxes | $788,000 | 759 |
| Income before extraordinary items | $1,771,000 | 1,077 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,771,000 | 1,075 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,771,000 | 1,077 |
| Net charge-offs | $64,000 | 4,699 |
| Cash dividends | $575,000 | 1,475 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,157 |
| Net operating income | $1,732,360 | 1,064 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,403,000 | 3,439 |
| Total interest expense | $391,000 | 5,436 |
| Net interest income | $2,012,000 | 2,699 |
| Provision for loan and lease losses | $195,000 | 2,897 |
| Total noninterest income | $336,000 | 2,814 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $217,000 | 1,837 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $119,000 | 3,373 |
| Total noninterest expense | $963,000 | 4,421 |
| Salaries and employee benefits | $494,000 | 4,508 |
| Premises and equipment expense | $123,000 | 4,557 |
| Additional noninterest expense | $346,000 | 3,993 |
| Pre-tax net operating income | $1,190,000 | 1,073 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $363,000 | 898 |
| Income before extraordinary items | $827,000 | 1,333 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $827,000 | 1,334 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $827,000 | 1,335 |
| Net charge-offs | $27,000 | 4,102 |
| Cash dividends | $575,000 | 751 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,034 |
| Net operating income | $827,000 | 1,256 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,359,000 | 3,705 |
| Total interest expense | $2,040,000 | 5,248 |
| Net interest income | $7,319,000 | 2,928 |
| Provision for loan and lease losses | $338,000 | 4,430 |
| Total noninterest income | $1,497,000 | 2,637 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $926,000 | 1,869 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $571,000 | 2,971 |
| Total noninterest expense | $3,961,000 | 4,262 |
| Salaries and employee benefits | $1,987,000 | 4,479 |
| Premises and equipment expense | $512,000 | 4,389 |
| Additional noninterest expense | $1,462,000 | 3,686 |
| Pre-tax net operating income | $4,517,000 | 1,206 |
| Securities gains (losses) | $17,000 | 2,264 |
| Applicable income taxes | $1,387,000 | 924 |
| Income before extraordinary items | $3,147,000 | 1,296 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,147,000 | 1,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,620 |
| Cash dividends | $2,000,000 | 1,337 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,332 |
| Net operating income | $3,135,270 | 1,401 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,872,000 | 3,822 |
| Total interest expense | $1,578,000 | 5,305 |
| Net interest income | $5,294,000 | 3,052 |
| Provision for loan and lease losses | $213,000 | 4,107 |
| Total noninterest income | $1,127,000 | 2,696 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $687,000 | 1,895 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $440,000 | 3,018 |
| Total noninterest expense | $2,911,000 | 4,323 |
| Salaries and employee benefits | $1,477,000 | 4,539 |
| Premises and equipment expense | $382,000 | 4,431 |
| Additional noninterest expense | $1,052,000 | 3,724 |
| Pre-tax net operating income | $3,297,000 | 1,486 |
| Securities gains (losses) | $17,000 | 2,103 |
| Applicable income taxes | $1,013,000 | 1,141 |
| Income before extraordinary items | $2,301,000 | 1,576 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,301,000 | 1,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,992 |
| Cash dividends | $1,450,000 | 1,353 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,184 |
| Net operating income | $2,289,270 | 1,667 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,496,000 | 3,915 |
| Total interest expense | $1,123,000 | 5,288 |
| Net interest income | $3,373,000 | 3,168 |
| Provision for loan and lease losses | $132,000 | 3,842 |
| Total noninterest income | $745,000 | 2,737 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $454,000 | 1,891 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $291,000 | 3,081 |
| Total noninterest expense | $1,925,000 | 4,362 |
| Salaries and employee benefits | $981,000 | 4,590 |
| Premises and equipment expense | $249,000 | 4,520 |
| Additional noninterest expense | $695,000 | 3,742 |
| Pre-tax net operating income | $2,061,000 | 1,648 |
| Securities gains (losses) | $17,000 | 2,146 |
| Applicable income taxes | $632,000 | 1,341 |
| Income before extraordinary items | $1,446,000 | 1,861 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,446,000 | 1,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,397 |
| Cash dividends | $1,000,000 | 1,384 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,094 |
| Net operating income | $1,434,100 | 1,846 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,231,000 | 4,029 |
| Total interest expense | $614,000 | 5,212 |
| Net interest income | $1,617,000 | 3,289 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $379,000 | 2,699 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $226,000 | 1,875 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $153,000 | 2,999 |
| Total noninterest expense | $932,000 | 4,457 |
| Salaries and employee benefits | $469,000 | 4,771 |
| Premises and equipment expense | $124,000 | 4,535 |
| Additional noninterest expense | $339,000 | 3,754 |
| Pre-tax net operating income | $1,004,000 | 1,778 |
| Securities gains (losses) | $17,000 | 1,682 |
| Applicable income taxes | $311,000 | 1,437 |
| Income before extraordinary items | $710,000 | 2,011 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $710,000 | 2,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,596 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 964 |
| Net operating income | $698,100 | 1,974 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,584,000 | 4,167 |
| Total interest expense | $2,711,000 | 5,058 |
| Net interest income | $5,873,000 | 3,557 |
| Provision for loan and lease losses | $125,000 | 4,554 |
| Total noninterest income | $1,386,000 | 2,846 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $897,000 | 1,930 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $489,000 | 3,358 |
| Total noninterest expense | $3,453,000 | 4,568 |
| Salaries and employee benefits | $1,743,000 | 4,854 |
| Premises and equipment expense | $376,000 | 5,214 |
| Additional noninterest expense | $1,334,000 | 3,759 |
| Pre-tax net operating income | $3,681,000 | 2,119 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $1,198,000 | 1,649 |
| Income before extraordinary items | $2,485,000 | 2,379 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,485,000 | 2,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,544 |
| Cash dividends | $1,925,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,250 |
| Net operating income | $2,483,660 | 2,369 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,342,000 | 4,236 |
| Total interest expense | $2,058,000 | 5,034 |
| Net interest income | $4,284,000 | 3,654 |
| Provision for loan and lease losses | $60,000 | 4,834 |
| Total noninterest income | $1,023,000 | 2,866 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $650,000 | 1,975 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $373,000 | 3,335 |
| Total noninterest expense | $2,500,000 | 4,662 |
| Salaries and employee benefits | $1,250,000 | 4,964 |
| Premises and equipment expense | $267,000 | 5,353 |
| Additional noninterest expense | $983,000 | 3,761 |
| Pre-tax net operating income | $2,747,000 | 2,263 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $902,000 | 1,760 |
| Income before extraordinary items | $1,845,000 | 2,551 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,845,000 | 2,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,022 |
| Cash dividends | $1,425,000 | 1,573 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,103 |
| Net operating income | $1,845,000 | 2,521 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,160,000 | 4,295 |
| Total interest expense | $1,358,000 | 5,076 |
| Net interest income | $2,802,000 | 3,720 |
| Provision for loan and lease losses | $35,000 | 4,774 |
| Total noninterest income | $654,000 | 2,962 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $404,000 | 2,097 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $250,000 | 3,344 |
| Total noninterest expense | $1,595,000 | 4,827 |
| Salaries and employee benefits | $796,000 | 5,156 |
| Premises and equipment expense | $178,000 | 5,371 |
| Additional noninterest expense | $621,000 | 3,919 |
| Pre-tax net operating income | $1,826,000 | 2,316 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $601,000 | 1,839 |
| Income before extraordinary items | $1,225,000 | 2,591 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,225,000 | 2,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,692 |
| Cash dividends | $950,000 | 1,603 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,011 |
| Net operating income | $1,225,000 | 2,572 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,058,000 | 4,320 |
| Total interest expense | $680,000 | 5,051 |
| Net interest income | $1,378,000 | 3,762 |
| Provision for loan and lease losses | $10,000 | 5,012 |
| Total noninterest income | $309,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $187,000 | 2,167 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $122,000 | 3,401 |
| Total noninterest expense | $827,000 | 4,709 |
| Salaries and employee benefits | $425,000 | 4,966 |
| Premises and equipment expense | $90,000 | 5,373 |
| Additional noninterest expense | $312,000 | 3,857 |
| Pre-tax net operating income | $850,000 | 2,458 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $278,000 | 1,956 |
| Income before extraordinary items | $572,000 | 2,739 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $572,000 | 2,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $500,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 868 |
| Net operating income | $572,000 | 2,724 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,885,000 | 4,236 |
| Total interest expense | $2,246,000 | 5,103 |
| Net interest income | $5,639,000 | 3,682 |
| Provision for loan and lease losses | $138,000 | 4,185 |
| Total noninterest income | $1,225,000 | 3,081 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $781,000 | 2,158 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $444,000 | 3,557 |
| Total noninterest expense | $3,166,000 | 4,708 |
| Salaries and employee benefits | $1,610,000 | 4,970 |
| Premises and equipment expense | $329,000 | 5,509 |
| Additional noninterest expense | $1,227,000 | 3,864 |
| Pre-tax net operating income | $3,560,000 | 2,452 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $1,173,000 | 1,979 |
| Income before extraordinary items | $2,385,000 | 2,714 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,385,000 | 2,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,610 |
| Cash dividends | $1,925,000 | 1,605 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,199 |
| Net operating income | $2,386,340 | 2,699 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,855,000 | 4,243 |
| Total interest expense | $1,617,000 | 5,150 |
| Net interest income | $4,238,000 | 3,701 |
| Provision for loan and lease losses | $108,000 | 3,967 |
| Total noninterest income | $899,000 | 3,140 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $583,000 | 2,181 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $316,000 | 3,653 |
| Total noninterest expense | $2,345,000 | 4,734 |
| Salaries and employee benefits | $1,194,000 | 4,985 |
| Premises and equipment expense | $245,000 | 5,541 |
| Additional noninterest expense | $906,000 | 3,903 |
| Pre-tax net operating income | $2,684,000 | 2,515 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $883,000 | 2,048 |
| Income before extraordinary items | $1,801,000 | 2,792 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,801,000 | 2,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $1,400,000 | 1,526 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,004 |
| Net operating income | $1,801,000 | 2,783 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,874,000 | 4,226 |
| Total interest expense | $1,051,000 | 5,105 |
| Net interest income | $2,823,000 | 3,710 |
| Provision for loan and lease losses | $55,000 | 4,340 |
| Total noninterest income | $592,000 | 3,155 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $379,000 | 2,201 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $213,000 | 3,629 |
| Total noninterest expense | $1,539,000 | 4,794 |
| Salaries and employee benefits | $782,000 | 5,060 |
| Premises and equipment expense | $160,000 | 5,602 |
| Additional noninterest expense | $597,000 | 3,929 |
| Pre-tax net operating income | $1,821,000 | 2,491 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $597,000 | 2,060 |
| Income before extraordinary items | $1,224,000 | 2,760 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,224,000 | 2,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,252 |
| Cash dividends | $900,000 | 1,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,224,000 | 2,745 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,891,000 | 4,240 |
| Total interest expense | $515,000 | 5,028 |
| Net interest income | $1,376,000 | 3,780 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $275,000 | 3,262 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $175,000 | 2,277 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $100,000 | 3,699 |
| Total noninterest expense | $758,000 | 4,858 |
| Salaries and employee benefits | $387,000 | 5,126 |
| Premises and equipment expense | $78,000 | 5,692 |
| Additional noninterest expense | $293,000 | 3,968 |
| Pre-tax net operating income | $863,000 | 2,553 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $281,000 | 2,096 |
| Income before extraordinary items | $582,000 | 2,805 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $582,000 | 2,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,616 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $582,000 | 2,793 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,608,000 | 4,318 |
| Total interest expense | $1,466,000 | 5,275 |
| Net interest income | $5,142,000 | 3,875 |
| Provision for loan and lease losses | $125,000 | 4,393 |
| Total noninterest income | $1,266,000 | 3,019 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $739,000 | 2,251 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $527,000 | 3,274 |
| Total noninterest expense | $2,904,000 | 4,870 |
| Salaries and employee benefits | $1,490,000 | 5,070 |
| Premises and equipment expense | $336,000 | 5,411 |
| Additional noninterest expense | $1,078,000 | 4,168 |
| Pre-tax net operating income | $3,379,000 | 2,515 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $1,108,000 | 2,121 |
| Income before extraordinary items | $2,276,000 | 2,776 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,276,000 | 2,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,418 |
| Cash dividends | $2,024,000 | 1,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,272,650 | 2,744 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,787,000 | 4,391 |
| Total interest expense | $1,009,000 | 5,408 |
| Net interest income | $3,778,000 | 3,923 |
| Provision for loan and lease losses | $87,000 | 4,515 |
| Total noninterest income | $969,000 | 2,971 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $543,000 | 2,283 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $426,000 | 3,166 |
| Total noninterest expense | $2,131,000 | 4,926 |
| Salaries and employee benefits | $1,084,000 | 5,151 |
| Premises and equipment expense | $262,000 | 5,272 |
| Additional noninterest expense | $785,000 | 4,240 |
| Pre-tax net operating income | $2,529,000 | 2,552 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $831,000 | 2,140 |
| Income before extraordinary items | $1,700,000 | 2,822 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,700,000 | 2,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,341 |
| Cash dividends | $1,549,000 | 1,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,698,660 | 2,789 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,108,000 | 4,401 |
| Total interest expense | $636,000 | 5,411 |
| Net interest income | $2,472,000 | 3,961 |
| Provision for loan and lease losses | $80,000 | 3,732 |
| Total noninterest income | $638,000 | 2,960 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $356,000 | 2,276 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $282,000 | 3,180 |
| Total noninterest expense | $1,396,000 | 4,981 |
| Salaries and employee benefits | $717,000 | 5,170 |
| Premises and equipment expense | $169,000 | 5,376 |
| Additional noninterest expense | $510,000 | 4,311 |
| Pre-tax net operating income | $1,634,000 | 2,574 |
| Securities gains (losses) | $6,000 | 1,523 |
| Applicable income taxes | $539,000 | 2,153 |
| Income before extraordinary items | $1,101,000 | 2,875 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,101,000 | 2,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,003 |
| Cash dividends | $1,057,000 | 1,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,096,980 | 2,842 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,492,000 | 4,511 |
| Total interest expense | $288,000 | 5,591 |
| Net interest income | $1,204,000 | 4,050 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $354,000 | 2,706 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $177,000 | 2,231 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $177,000 | 2,686 |
| Total noninterest expense | $681,000 | 5,093 |
| Salaries and employee benefits | $351,000 | 5,283 |
| Premises and equipment expense | $84,000 | 5,420 |
| Additional noninterest expense | $246,000 | 4,414 |
| Pre-tax net operating income | $870,000 | 2,404 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $287,000 | 2,044 |
| Income before extraordinary items | $583,000 | 2,678 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $583,000 | 2,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $550,000 | 1,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $583,000 | 2,636 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,716,000 | 4,406 |
| Total interest expense | $892,000 | 5,972 |
| Net interest income | $4,824,000 | 3,907 |
| Provision for loan and lease losses | $143,000 | 4,354 |
| Total noninterest income | $1,209,000 | 3,111 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $757,000 | 2,242 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $452,000 | 3,502 |
| Total noninterest expense | $2,824,000 | 4,880 |
| Salaries and employee benefits | $1,457,000 | 5,050 |
| Premises and equipment expense | $342,000 | 5,295 |
| Additional noninterest expense | $1,025,000 | 4,247 |
| Pre-tax net operating income | $3,066,000 | 2,538 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $1,003,000 | 2,145 |
| Income before extraordinary items | $2,068,000 | 2,826 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,068,000 | 2,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,720 |
| Cash dividends | $2,050,000 | 1,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,064,650 | 2,768 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,240,000 | 4,426 |
| Total interest expense | $631,000 | 6,123 |
| Net interest income | $3,609,000 | 3,904 |
| Provision for loan and lease losses | $120,000 | 3,974 |
| Total noninterest income | $810,000 | 3,376 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $558,000 | 2,285 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $252,000 | 4,051 |
| Total noninterest expense | $2,095,000 | 4,857 |
| Salaries and employee benefits | $1,093,000 | 4,991 |
| Premises and equipment expense | $270,000 | 5,086 |
| Additional noninterest expense | $732,000 | 4,369 |
| Pre-tax net operating income | $2,204,000 | 2,652 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $717,000 | 2,271 |
| Income before extraordinary items | $1,487,000 | 2,972 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,487,000 | 2,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $1,475,000 | 1,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,487,000 | 2,892 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,793,000 | 4,465 |
| Total interest expense | $402,000 | 6,281 |
| Net interest income | $2,391,000 | 3,912 |
| Provision for loan and lease losses | $76,000 | 3,974 |
| Total noninterest income | $496,000 | 3,590 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $330,000 | 2,518 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $166,000 | 4,121 |
| Total noninterest expense | $1,373,000 | 4,958 |
| Salaries and employee benefits | $723,000 | 5,051 |
| Premises and equipment expense | $178,000 | 5,148 |
| Additional noninterest expense | $472,000 | 4,529 |
| Pre-tax net operating income | $1,438,000 | 2,676 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $467,000 | 2,305 |
| Income before extraordinary items | $971,000 | 3,009 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $971,000 | 3,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,680 |
| Cash dividends | $950,000 | 1,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $971,000 | 2,929 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,398,000 | 4,488 |
| Total interest expense | $198,000 | 6,377 |
| Net interest income | $1,200,000 | 3,892 |
| Provision for loan and lease losses | $21,000 | 4,750 |
| Total noninterest income | $219,000 | 3,845 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $136,000 | 2,882 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $83,000 | 4,094 |
| Total noninterest expense | $685,000 | 4,989 |
| Salaries and employee benefits | $362,000 | 5,069 |
| Premises and equipment expense | $91,000 | 5,132 |
| Additional noninterest expense | $232,000 | 4,564 |
| Pre-tax net operating income | $713,000 | 2,667 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $231,000 | 2,321 |
| Income before extraordinary items | $482,000 | 3,034 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $482,000 | 3,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $475,000 | 1,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $482,000 | 2,925 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,418,000 | 4,623 |
| Total interest expense | $930,000 | 6,314 |
| Net interest income | $4,488,000 | 4,005 |
| Provision for loan and lease losses | $61,000 | 5,962 |
| Total noninterest income | $663,000 | 4,694 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $431,000 | 3,484 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $232,000 | 4,987 |
| Total noninterest expense | $2,567,000 | 5,130 |
| Salaries and employee benefits | $1,327,000 | 5,277 |
| Premises and equipment expense | $345,000 | 5,221 |
| Additional noninterest expense | $895,000 | 4,648 |
| Pre-tax net operating income | $2,523,000 | 2,859 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $845,000 | 2,438 |
| Income before extraordinary items | $1,678,000 | 3,268 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,678,000 | 3,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,234 |
| Cash dividends | $1,550,000 | 1,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,678,000 | 3,124 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,049,000 | 4,688 |
| Total interest expense | $725,000 | 6,363 |
| Net interest income | $3,324,000 | 4,057 |
| Provision for loan and lease losses | $43,000 | 6,051 |
| Total noninterest income | $472,000 | 4,891 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $318,000 | 3,531 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $154,000 | 5,292 |
| Total noninterest expense | $1,888,000 | 5,176 |
| Salaries and employee benefits | $963,000 | 5,382 |
| Premises and equipment expense | $263,000 | 5,158 |
| Additional noninterest expense | $662,000 | 4,666 |
| Pre-tax net operating income | $1,865,000 | 2,994 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $639,000 | 2,551 |
| Income before extraordinary items | $1,226,000 | 3,437 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,226,000 | 3,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $1,125,000 | 1,594 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,226,000 | 3,273 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,727,000 | 4,693 |
| Total interest expense | $506,000 | 6,353 |
| Net interest income | $2,221,000 | 4,056 |
| Provision for loan and lease losses | $43,000 | 5,377 |
| Total noninterest income | $318,000 | 4,839 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $212,000 | 3,487 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $106,000 | 5,230 |
| Total noninterest expense | $1,240,000 | 5,221 |
| Salaries and employee benefits | $626,000 | 5,475 |
| Premises and equipment expense | $175,000 | 5,140 |
| Additional noninterest expense | $439,000 | 4,680 |
| Pre-tax net operating income | $1,256,000 | 2,972 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $436,000 | 2,520 |
| Income before extraordinary items | $820,000 | 3,444 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $820,000 | 3,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $700,000 | 1,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $820,000 | 3,262 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,356,000 | 4,731 |
| Total interest expense | $257,000 | 6,407 |
| Net interest income | $1,099,000 | 4,101 |
| Provision for loan and lease losses | $23,000 | 5,064 |
| Total noninterest income | $149,000 | 4,901 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $95,000 | 3,670 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $54,000 | 5,123 |
| Total noninterest expense | $607,000 | 5,294 |
| Salaries and employee benefits | $306,000 | 5,554 |
| Premises and equipment expense | $88,000 | 5,119 |
| Additional noninterest expense | $213,000 | 4,739 |
| Pre-tax net operating income | $618,000 | 3,010 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $216,000 | 2,567 |
| Income before extraordinary items | $402,000 | 3,439 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $402,000 | 3,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,762 |
| Cash dividends | $350,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $402,000 | 3,279 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,891,000 | 4,622 |
| Total interest expense | $1,363,000 | 6,036 |
| Net interest income | $4,528,000 | 3,970 |
| Provision for loan and lease losses | $148,000 | 4,983 |
| Total noninterest income | $510,000 | 5,162 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $354,000 | 3,838 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $156,000 | 5,511 |
| Total noninterest expense | $2,524,000 | 5,053 |
| Salaries and employee benefits | $1,258,000 | 5,314 |
| Premises and equipment expense | $387,000 | 4,763 |
| Additional noninterest expense | $879,000 | 4,615 |
| Pre-tax net operating income | $2,366,000 | 3,010 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $842,000 | 2,508 |
| Income before extraordinary items | $1,524,000 | 3,457 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,524,000 | 3,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,898 |
| Cash dividends | $1,050,000 | 2,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,524,000 | 3,356 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,226,000 | 7,006 |
| Total interest expense | $1,240,000 | 7,534 |
| Net interest income | $1,986,000 | 6,456 |
| Provision for loan and lease losses | $111,000 | 5,423 |
| Total noninterest income | $237,000 | 6,960 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $142,000 | 5,910 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $95,000 | 6,539 |
| Total noninterest expense | $1,237,000 | 7,366 |
| Salaries and employee benefits | $642,000 | 7,465 |
| Premises and equipment expense | $190,000 | 6,925 |
| Additional noninterest expense | $405,000 | 7,105 |
| Pre-tax net operating income | $875,000 | 5,268 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $301,000 | 4,256 |
| Income before extraordinary items | $574,000 | 5,742 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $574,000 | 5,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,148 |
| Cash dividends | $425,000 | 3,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $574,000 | 5,610 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,860,000 | 4,664 |
| Total interest expense | $3,040,000 | 4,872 |
| Net interest income | $3,820,000 | 4,332 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $663,000 | 4,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $326,000 | 3,804 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $337,000 | 3,688 |
| Total noninterest expense | $2,466,000 | 4,907 |
| Salaries and employee benefits | $1,558,000 | 4,225 |
| Premises and equipment expense | $399,000 | 4,519 |
| Additional noninterest expense | $509,000 | 6,360 |
| Pre-tax net operating income | $1,897,000 | 3,460 |
| Securities gains (losses) | $-32,000 | 8,979 |
| Applicable income taxes | $9,000 | 8,091 |
| Income before extraordinary items | $1,856,000 | 2,738 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,856,000 | 2,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,680 |
| Cash dividends | $1,150,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,888,000 | 2,696 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,553,000 | 4,643 |
| Total interest expense | $2,781,000 | 4,879 |
| Net interest income | $3,772,000 | 4,392 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $608,000 | 4,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 3,674 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $273,000 | 4,237 |
| Total noninterest expense | $2,354,000 | 5,093 |
| Salaries and employee benefits | $1,462,000 | 4,427 |
| Premises and equipment expense | $408,000 | 4,461 |
| Additional noninterest expense | $484,000 | 6,633 |
| Pre-tax net operating income | $1,906,000 | 3,459 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,911,000 | 2,689 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,911,000 | 2,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,020 |
| Cash dividends | $1,911,000 | 1,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,906,000 | 2,659 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,181,000 | 4,888 |
| Total interest expense | $2,700,000 | 5,100 |
| Net interest income | $3,481,000 | 4,622 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $662,000 | 4,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 3,601 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $327,000 | 3,829 |
| Total noninterest expense | $2,228,000 | 5,168 |
| Salaries and employee benefits | $1,243,000 | 4,931 |
| Premises and equipment expense | $418,000 | 4,270 |
| Additional noninterest expense | $567,000 | 5,968 |
| Pre-tax net operating income | $1,795,000 | 3,638 |
| Securities gains (losses) | $-13,000 | 10,228 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $1,782,000 | 2,805 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,782,000 | 2,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,633 |
| Cash dividends | $1,807,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,795,000 | 2,719 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,972,000 | 5,099 |
| Total interest expense | $2,749,000 | 5,044 |
| Net interest income | $3,223,000 | 5,032 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $667,000 | 4,110 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $333,000 | 3,754 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $334,000 | 3,680 |
| Total noninterest expense | $2,320,000 | 5,071 |
| Salaries and employee benefits | $1,429,000 | 4,429 |
| Premises and equipment expense | $409,000 | 4,377 |
| Additional noninterest expense | $482,000 | 6,659 |
| Pre-tax net operating income | $1,570,000 | 4,312 |
| Securities gains (losses) | $-20,000 | 10,368 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $1,550,000 | 3,273 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,550,000 | 3,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,716 |
| Cash dividends | $1,525,000 | 1,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,570,000 | 3,158 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,616,000 | 5,435 |
| Total interest expense | $2,531,000 | 5,460 |
| Net interest income | $3,085,000 | 5,328 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $580,000 | 4,674 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 3,900 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $245,000 | 4,593 |
| Total noninterest expense | $2,039,000 | 5,870 |
| Salaries and employee benefits | $1,184,000 | 5,272 |
| Premises and equipment expense | $385,000 | 4,676 |
| Additional noninterest expense | $470,000 | 7,300 |
| Pre-tax net operating income | $1,626,000 | 4,076 |
| Securities gains (losses) | $-100,000 | 11,205 |
| Applicable income taxes | $513,000 | 4,074 |
| Income before extraordinary items | $1,013,000 | 4,447 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,013,000 | 4,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 10,916 |
| Cash dividends | $2,025,000 | 1,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,079,000 | 4,149 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,453,000 | 5,619 |
| Total interest expense | $2,495,000 | 5,581 |
| Net interest income | $2,958,000 | 5,560 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $656,000 | 4,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $304,000 | 4,254 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $352,000 | 3,597 |
| Total noninterest expense | $1,919,000 | 6,181 |
| Salaries and employee benefits | $1,044,000 | 5,831 |
| Premises and equipment expense | $351,000 | 5,010 |
| Additional noninterest expense | $524,000 | 7,082 |
| Pre-tax net operating income | $1,695,000 | 4,039 |
| Securities gains (losses) | $-317,000 | 11,757 |
| Applicable income taxes | $472,000 | 4,372 |
| Income before extraordinary items | $906,000 | 4,963 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $906,000 | 4,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $650,000 | 2,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,115,220 | 4,181 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,551,000 | 5,193 |
| Total interest expense | $2,125,000 | 5,328 |
| Net interest income | $3,426,000 | 5,030 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $385,000 | 6,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 4,359 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $1,953,000 | 6,331 |
| Salaries and employee benefits | $1,021,000 | 5,993 |
| Premises and equipment expense | $282,000 | 5,977 |
| Additional noninterest expense | $650,000 | 6,680 |
| Pre-tax net operating income | $1,858,000 | 3,643 |
| Securities gains (losses) | $80,000 | 880 |
| Applicable income taxes | $654,000 | 3,265 |
| Income before extraordinary items | $1,284,000 | 3,633 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,284,000 | 3,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,231,200 | 3,798 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,886,000 | 5,030 |
| Total interest expense | $2,091,000 | 5,630 |
| Net interest income | $3,795,000 | 4,620 |
| Provision for loan and lease losses | $-73,000 | 12,830 |
| Total noninterest income | $411,000 | 6,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $330,000 | 4,082 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 8,582 |
| Total noninterest expense | $2,084,000 | 6,117 |
| Salaries and employee benefits | $1,035,000 | 5,947 |
| Premises and equipment expense | $246,000 | 6,763 |
| Additional noninterest expense | $803,000 | 5,911 |
| Pre-tax net operating income | $2,195,000 | 3,024 |
| Securities gains (losses) | $450,000 | 967 |
| Applicable income taxes | $910,000 | 2,495 |
| Income before extraordinary items | $1,735,000 | 2,844 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,735,000 | 2,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 12,541 |
| Cash dividends | $1,500,000 | 1,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,438,000 | 3,194 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,265,000 | 5,296 |
| Total interest expense | $2,657,000 | 5,708 |
| Net interest income | $3,608,000 | 4,872 |
| Provision for loan and lease losses | $136,000 | 6,368 |
| Total noninterest income | $456,000 | 6,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 4,118 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 7,308 |
| Total noninterest expense | $2,196,000 | 5,931 |
| Salaries and employee benefits | $964,000 | 6,239 |
| Premises and equipment expense | $266,000 | 6,505 |
| Additional noninterest expense | $966,000 | 5,197 |
| Pre-tax net operating income | $1,732,000 | 3,548 |
| Securities gains (losses) | $443,000 | 1,186 |
| Applicable income taxes | $699,000 | 2,992 |
| Income before extraordinary items | $1,476,000 | 3,123 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,476,000 | 3,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 6,145 |
| Cash dividends | $1,500,000 | 1,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,174,760 | 3,598 |
* 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.