Home > First Financial Bank > Income and Expense
First Financial Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $11,620,000 | 1,741 |
| Total interest expense | $366,000 | 5,282 |
| Net interest income | $11,254,000 | 1,483 |
| Provision for loan and lease losses | $186,000 | 3,599 |
| Total noninterest income | $3,208,000 | 1,282 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,254,000 | 846 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,954,000 | 1,283 |
| Total noninterest expense | $7,279,000 | 1,958 |
| Salaries and employee benefits | $3,120,000 | 2,363 |
| Premises and equipment expense | $944,000 | 1,886 |
| Additional noninterest expense | $3,215,000 | 1,558 |
| Pre-tax net operating income | $6,997,000 | 803 |
| Securities gains (losses) | $69,000 | 2,241 |
| Applicable income taxes | $1,997,000 | 709 |
| Income before extraordinary items | $5,069,000 | 903 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $5,069,000 | 901 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $5,069,000 | 903 |
| Net charge-offs | $279,000 | 2,919 |
| Cash dividends | $5,200,000 | 352 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 716 |
| Net operating income | $5,019,320 | 856 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,792,000 | 1,735 |
| Total interest expense | $262,000 | 5,255 |
| Net interest income | $7,530,000 | 1,485 |
| Provision for loan and lease losses | $186,000 | 3,074 |
| Total noninterest income | $2,125,000 | 1,278 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $813,000 | 865 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,312,000 | 1,257 |
| Total noninterest expense | $5,030,000 | 1,908 |
| Salaries and employee benefits | $2,135,000 | 2,317 |
| Premises and equipment expense | $632,000 | 1,878 |
| Additional noninterest expense | $2,263,000 | 1,496 |
| Pre-tax net operating income | $4,439,000 | 827 |
| Securities gains (losses) | $17,000 | 2,561 |
| Applicable income taxes | $1,249,000 | 740 |
| Income before extraordinary items | $3,207,000 | 949 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $3,207,000 | 948 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $3,207,000 | 949 |
| Net charge-offs | $393,000 | 2,024 |
| Cash dividends | $3,400,000 | 344 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 737 |
| Net operating income | $3,194,760 | 901 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,931,000 | 1,735 |
| Total interest expense | $140,000 | 5,230 |
| Net interest income | $3,791,000 | 1,465 |
| Provision for loan and lease losses | $95,000 | 2,953 |
| Total noninterest income | $1,098,000 | 1,242 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $408,000 | 849 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $690,000 | 1,192 |
| Total noninterest expense | $2,431,000 | 1,978 |
| Salaries and employee benefits | $1,078,000 | 2,317 |
| Premises and equipment expense | $316,000 | 1,889 |
| Additional noninterest expense | $1,037,000 | 1,598 |
| Pre-tax net operating income | $2,363,000 | 776 |
| Securities gains (losses) | $17,000 | 1,644 |
| Applicable income taxes | $683,000 | 676 |
| Income before extraordinary items | $1,697,000 | 879 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,697,000 | 878 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,697,000 | 880 |
| Net charge-offs | $284,000 | 1,542 |
| Cash dividends | $1,600,000 | 324 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 673 |
| Net operating income | $1,684,930 | 836 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $15,508,000 | 1,817 |
| Total interest expense | $673,000 | 5,285 |
| Net interest income | $14,835,000 | 1,505 |
| Provision for loan and lease losses | $228,000 | 4,488 |
| Total noninterest income | $3,985,000 | 1,234 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,840,000 | 797 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,145,000 | 1,297 |
| Total noninterest expense | $9,751,000 | 1,957 |
| Salaries and employee benefits | $4,410,000 | 2,194 |
| Premises and equipment expense | $1,234,000 | 2,003 |
| Additional noninterest expense | $4,107,000 | 1,673 |
| Pre-tax net operating income | $8,841,000 | 697 |
| Securities gains (losses) | $2,000 | 3,652 |
| Applicable income taxes | $2,489,000 | 667 |
| Income before extraordinary items | $6,354,000 | 779 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $6,354,000 | 777 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $6,354,000 | 779 |
| Net charge-offs | $-78,000 | 7,238 |
| Cash dividends | $4,950,000 | 430 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 892 |
| Net operating income | $6,352,560 | 756 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,595,000 | 1,838 |
| Total interest expense | $521,000 | 5,326 |
| Net interest income | $11,074,000 | 1,516 |
| Provision for loan and lease losses | $193,000 | 4,188 |
| Total noninterest income | $3,048,000 | 1,225 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,400,000 | 781 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,648,000 | 1,258 |
| Total noninterest expense | $7,323,000 | 1,967 |
| Salaries and employee benefits | $3,420,000 | 2,132 |
| Premises and equipment expense | $913,000 | 2,049 |
| Additional noninterest expense | $2,990,000 | 1,706 |
| Pre-tax net operating income | $6,606,000 | 720 |
| Securities gains (losses) | $2,000 | 3,369 |
| Applicable income taxes | $1,854,000 | 673 |
| Income before extraordinary items | $4,754,000 | 808 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,754,000 | 807 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $4,754,000 | 808 |
| Net charge-offs | $-189,000 | 7,371 |
| Cash dividends | $3,550,000 | 384 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 836 |
| Net operating income | $4,752,560 | 779 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,667,000 | 1,872 |
| Total interest expense | $358,000 | 5,374 |
| Net interest income | $7,309,000 | 1,530 |
| Provision for loan and lease losses | $160,000 | 3,810 |
| Total noninterest income | $2,067,000 | 1,202 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $936,000 | 776 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,131,000 | 1,237 |
| Total noninterest expense | $4,919,000 | 1,959 |
| Salaries and employee benefits | $2,323,000 | 2,102 |
| Premises and equipment expense | $602,000 | 2,103 |
| Additional noninterest expense | $1,994,000 | 1,720 |
| Pre-tax net operating income | $4,297,000 | 728 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,195,000 | 655 |
| Income before extraordinary items | $3,102,000 | 802 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,102,000 | 801 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $3,102,000 | 802 |
| Net charge-offs | $-124,000 | 7,395 |
| Cash dividends | $2,300,000 | 374 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 831 |
| Net operating income | $3,102,000 | 772 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,810,000 | 1,886 |
| Total interest expense | $196,000 | 5,283 |
| Net interest income | $3,614,000 | 1,535 |
| Provision for loan and lease losses | $106,000 | 3,271 |
| Total noninterest income | $1,028,000 | 1,194 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $458,000 | 778 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $570,000 | 1,230 |
| Total noninterest expense | $2,502,000 | 1,938 |
| Salaries and employee benefits | $1,188,000 | 2,054 |
| Premises and equipment expense | $307,000 | 2,084 |
| Additional noninterest expense | $1,007,000 | 1,704 |
| Pre-tax net operating income | $2,034,000 | 767 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $555,000 | 681 |
| Income before extraordinary items | $1,479,000 | 833 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,479,000 | 832 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,479,000 | 833 |
| Net charge-offs | $22,000 | 3,981 |
| Cash dividends | $1,150,000 | 336 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 788 |
| Net operating income | $1,479,000 | 820 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,636,000 | 1,938 |
| Total interest expense | $1,479,000 | 4,297 |
| Net interest income | $14,157,000 | 1,577 |
| Provision for loan and lease losses | $1,112,000 | 2,891 |
| Total noninterest income | $4,416,000 | 1,182 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,142,000 | 704 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,274,000 | 1,291 |
| Total noninterest expense | $10,056,000 | 1,941 |
| Salaries and employee benefits | $4,463,000 | 2,171 |
| Premises and equipment expense | $1,164,000 | 2,166 |
| Additional noninterest expense | $4,429,000 | 1,625 |
| Pre-tax net operating income | $7,405,000 | 733 |
| Securities gains (losses) | $16,000 | 3,184 |
| Applicable income taxes | $2,034,000 | 739 |
| Income before extraordinary items | $5,387,000 | 813 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,387,000 | 813 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $5,387,000 | 814 |
| Net charge-offs | $626,000 | 3,335 |
| Cash dividends | $5,300,000 | 317 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,073 |
| Net operating income | $5,375,320 | 787 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,736,000 | 1,974 |
| Total interest expense | $1,210,000 | 4,229 |
| Net interest income | $10,526,000 | 1,612 |
| Provision for loan and lease losses | $1,050,000 | 2,437 |
| Total noninterest income | $3,355,000 | 1,169 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,639,000 | 701 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,716,000 | 1,235 |
| Total noninterest expense | $7,445,000 | 1,947 |
| Salaries and employee benefits | $3,300,000 | 2,205 |
| Premises and equipment expense | $871,000 | 2,209 |
| Additional noninterest expense | $3,274,000 | 1,619 |
| Pre-tax net operating income | $5,386,000 | 785 |
| Securities gains (losses) | $16,000 | 2,975 |
| Applicable income taxes | $1,468,000 | 753 |
| Income before extraordinary items | $3,934,000 | 886 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $3,934,000 | 887 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $3,934,000 | 887 |
| Net charge-offs | $569,000 | 2,901 |
| Cash dividends | $3,900,000 | 290 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 998 |
| Net operating income | $3,922,320 | 846 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,809,000 | 2,001 |
| Total interest expense | $854,000 | 4,195 |
| Net interest income | $6,955,000 | 1,619 |
| Provision for loan and lease losses | $800,000 | 2,179 |
| Total noninterest income | $2,157,000 | 1,166 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,106,000 | 693 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,051,000 | 1,244 |
| Total noninterest expense | $4,758,000 | 2,044 |
| Salaries and employee benefits | $2,148,000 | 2,258 |
| Premises and equipment expense | $579,000 | 2,226 |
| Additional noninterest expense | $2,031,000 | 1,740 |
| Pre-tax net operating income | $3,554,000 | 772 |
| Securities gains (losses) | $16,000 | 2,445 |
| Applicable income taxes | $967,000 | 738 |
| Income before extraordinary items | $2,603,000 | 854 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,603,000 | 854 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $2,603,000 | 855 |
| Net charge-offs | $421,000 | 2,642 |
| Cash dividends | $2,400,000 | 295 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 955 |
| Net operating income | $2,591,320 | 827 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,885,000 | 2,057 |
| Total interest expense | $439,000 | 4,254 |
| Net interest income | $3,446,000 | 1,645 |
| Provision for loan and lease losses | $450,000 | 1,922 |
| Total noninterest income | $915,000 | 1,323 |
| 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 | $390,000 | 1,536 |
| Total noninterest expense | $2,353,000 | 2,074 |
| Salaries and employee benefits | $1,078,000 | 2,287 |
| Premises and equipment expense | $280,000 | 2,353 |
| Additional noninterest expense | $995,000 | 1,758 |
| Pre-tax net operating income | $1,558,000 | 862 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $404,000 | 833 |
| Income before extraordinary items | $1,154,000 | 947 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,154,000 | 951 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,154,000 | 951 |
| Net charge-offs | $112,000 | 2,997 |
| Cash dividends | $1,100,000 | 299 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 904 |
| Net operating income | $1,154,000 | 923 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,073,000 | 2,112 |
| Total interest expense | $1,955,000 | 4,518 |
| Net interest income | $14,118,000 | 1,591 |
| Provision for loan and lease losses | $2,995,000 | 1,990 |
| Total noninterest income | $3,616,000 | 1,406 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,251,000 | 751 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,365,000 | 1,763 |
| Total noninterest expense | $9,084,000 | 2,187 |
| Salaries and employee benefits | $3,860,000 | 2,524 |
| Premises and equipment expense | $1,192,000 | 2,230 |
| Additional noninterest expense | $4,032,000 | 1,842 |
| Pre-tax net operating income | $5,655,000 | 748 |
| Securities gains (losses) | $62,000 | 2,485 |
| Applicable income taxes | $1,450,000 | 722 |
| Income before extraordinary items | $4,267,000 | 805 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,267,000 | 804 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $4,267,000 | 805 |
| Net charge-offs | $1,796,000 | 2,161 |
| Cash dividends | $3,475,000 | 502 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 1,209 |
| Net operating income | $4,220,500 | 805 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,160,000 | 2,128 |
| Total interest expense | $1,497,000 | 4,606 |
| Net interest income | $10,663,000 | 1,574 |
| Provision for loan and lease losses | $1,395,000 | 2,321 |
| Total noninterest income | $2,748,000 | 1,428 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,660,000 | 760 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,088,000 | 1,721 |
| Total noninterest expense | $7,044,000 | 2,124 |
| Salaries and employee benefits | $3,080,000 | 2,422 |
| Premises and equipment expense | $900,000 | 2,242 |
| Additional noninterest expense | $3,064,000 | 1,746 |
| Pre-tax net operating income | $4,972,000 | 680 |
| Securities gains (losses) | $62,000 | 2,161 |
| Applicable income taxes | $1,361,000 | 654 |
| Income before extraordinary items | $3,673,000 | 737 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $3,673,000 | 735 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $3,673,000 | 738 |
| Net charge-offs | $864,000 | 2,371 |
| Cash dividends | $1,700,000 | 757 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,126 |
| Net operating income | $3,627,740 | 734 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,178,000 | 2,149 |
| Total interest expense | $1,058,000 | 4,561 |
| Net interest income | $7,120,000 | 1,571 |
| Provision for loan and lease losses | $395,000 | 3,298 |
| Total noninterest income | $1,933,000 | 1,368 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,063,000 | 788 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $870,000 | 1,551 |
| Total noninterest expense | $4,866,000 | 2,088 |
| Salaries and employee benefits | $2,159,000 | 2,341 |
| Premises and equipment expense | $602,000 | 2,263 |
| Additional noninterest expense | $2,105,000 | 1,726 |
| Pre-tax net operating income | $3,792,000 | 597 |
| Securities gains (losses) | $14,000 | 2,468 |
| Applicable income taxes | $1,077,000 | 571 |
| Income before extraordinary items | $2,729,000 | 668 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,729,000 | 665 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $2,729,000 | 669 |
| Net charge-offs | $293,000 | 2,956 |
| Cash dividends | $825,000 | 1,101 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,112 |
| Net operating income | $2,718,920 | 657 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,163,000 | 2,136 |
| Total interest expense | $585,000 | 4,414 |
| Net interest income | $3,578,000 | 1,554 |
| Provision for loan and lease losses | $188,000 | 2,946 |
| Total noninterest income | $971,000 | 1,310 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $509,000 | 800 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $462,000 | 1,458 |
| Total noninterest expense | $2,384,000 | 2,070 |
| Salaries and employee benefits | $1,090,000 | 2,350 |
| Premises and equipment expense | $300,000 | 2,298 |
| Additional noninterest expense | $994,000 | 1,625 |
| Pre-tax net operating income | $1,977,000 | 620 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $568,000 | 592 |
| Income before extraordinary items | $1,409,000 | 733 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,409,000 | 733 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,409,000 | 735 |
| Net charge-offs | $45,000 | 3,676 |
| Cash dividends | $825,000 | 549 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 994 |
| Net operating income | $1,409,000 | 684 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $18,554,000 | 2,056 |
| Total interest expense | $4,434,000 | 3,259 |
| Net interest income | $14,120,000 | 1,582 |
| Provision for loan and lease losses | $1,846,000 | 1,902 |
| Total noninterest income | $3,914,000 | 1,289 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,302,000 | 758 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,612,000 | 1,516 |
| Total noninterest expense | $9,001,000 | 2,132 |
| Salaries and employee benefits | $4,116,000 | 2,453 |
| Premises and equipment expense | $1,231,000 | 2,192 |
| Additional noninterest expense | $3,654,000 | 1,685 |
| Pre-tax net operating income | $7,187,000 | 772 |
| Securities gains (losses) | $83,000 | 1,267 |
| Applicable income taxes | $2,163,000 | 635 |
| Income before extraordinary items | $5,107,000 | 797 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,107,000 | 797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,680,000 | 1,455 |
| Cash dividends | $4,100,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,280 |
| Net operating income | $5,048,900 | 865 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,124,000 | 2,071 |
| Total interest expense | $3,554,000 | 3,212 |
| Net interest income | $10,570,000 | 1,601 |
| Provision for loan and lease losses | $496,000 | 2,738 |
| Total noninterest income | $3,010,000 | 1,305 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,739,000 | 761 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,271,000 | 1,522 |
| Total noninterest expense | $6,991,000 | 2,053 |
| Salaries and employee benefits | $3,432,000 | 2,247 |
| Premises and equipment expense | $922,000 | 2,196 |
| Additional noninterest expense | $2,637,000 | 1,682 |
| Pre-tax net operating income | $6,093,000 | 832 |
| Securities gains (losses) | $42,000 | 1,531 |
| Applicable income taxes | $1,879,000 | 689 |
| Income before extraordinary items | $4,256,000 | 861 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $4,256,000 | 860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,432 |
| Cash dividends | $3,450,000 | 638 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 1,127 |
| Net operating income | $4,227,020 | 926 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,574,000 | 2,071 |
| Total interest expense | $2,550,000 | 3,130 |
| Net interest income | $7,024,000 | 1,600 |
| Provision for loan and lease losses | $231,000 | 2,926 |
| Total noninterest income | $2,050,000 | 1,307 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,138,000 | 760 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $912,000 | 1,496 |
| Total noninterest expense | $4,701,000 | 2,038 |
| Salaries and employee benefits | $2,368,000 | 2,195 |
| Premises and equipment expense | $588,000 | 2,297 |
| Additional noninterest expense | $1,745,000 | 1,686 |
| Pre-tax net operating income | $4,142,000 | 852 |
| Securities gains (losses) | $42,000 | 1,555 |
| Applicable income taxes | $1,289,000 | 749 |
| Income before extraordinary items | $2,895,000 | 950 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,895,000 | 950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 2,693 |
| Cash dividends | $2,350,000 | 692 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,054 |
| Net operating income | $2,866,020 | 939 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,931,000 | 2,067 |
| Total interest expense | $1,468,000 | 2,936 |
| Net interest income | $3,463,000 | 1,601 |
| Provision for loan and lease losses | $51,000 | 3,761 |
| Total noninterest income | $975,000 | 1,357 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $556,000 | 776 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $419,000 | 1,581 |
| Total noninterest expense | $2,365,000 | 2,028 |
| Salaries and employee benefits | $1,207,000 | 2,172 |
| Premises and equipment expense | $282,000 | 2,394 |
| Additional noninterest expense | $876,000 | 1,641 |
| Pre-tax net operating income | $2,022,000 | 928 |
| Securities gains (losses) | $42,000 | 1,172 |
| Applicable income taxes | $638,000 | 838 |
| Income before extraordinary items | $1,426,000 | 1,056 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,426,000 | 1,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,393 |
| Cash dividends | $1,150,000 | 649 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 944 |
| Net operating income | $1,397,020 | 1,042 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,462,000 | 2,048 |
| Total interest expense | $7,249,000 | 2,539 |
| Net interest income | $13,213,000 | 1,709 |
| Provision for loan and lease losses | $215,000 | 3,755 |
| Total noninterest income | $4,148,000 | 1,267 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,241,000 | 793 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,907,000 | 1,403 |
| Total noninterest expense | $8,887,000 | 2,070 |
| Salaries and employee benefits | $4,426,000 | 2,277 |
| Premises and equipment expense | $1,051,000 | 2,452 |
| Additional noninterest expense | $3,410,000 | 1,629 |
| Pre-tax net operating income | $8,259,000 | 1,022 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $2,598,000 | 906 |
| Income before extraordinary items | $5,663,000 | 1,139 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,663,000 | 1,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,136 |
| Cash dividends | $4,925,000 | 761 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,213 |
| Net operating income | $5,661,620 | 1,125 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,285,000 | 2,062 |
| Total interest expense | $5,544,000 | 2,489 |
| Net interest income | $9,741,000 | 1,746 |
| Provision for loan and lease losses | $55,000 | 4,944 |
| Total noninterest income | $3,098,000 | 1,267 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,622,000 | 807 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,476,000 | 1,391 |
| Total noninterest expense | $6,651,000 | 2,054 |
| Salaries and employee benefits | $3,314,000 | 2,272 |
| Premises and equipment expense | $795,000 | 2,427 |
| Additional noninterest expense | $2,542,000 | 1,595 |
| Pre-tax net operating income | $6,133,000 | 1,112 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,921,000 | 993 |
| Income before extraordinary items | $4,212,000 | 1,223 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,212,000 | 1,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,861 |
| Cash dividends | $3,625,000 | 748 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,068 |
| Net operating income | $4,212,000 | 1,212 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,143,000 | 2,081 |
| Total interest expense | $3,700,000 | 2,489 |
| Net interest income | $6,443,000 | 1,782 |
| Provision for loan and lease losses | $10,000 | 5,732 |
| Total noninterest income | $2,025,000 | 1,316 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,019,000 | 876 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,006,000 | 1,394 |
| Total noninterest expense | $4,391,000 | 2,100 |
| Salaries and employee benefits | $2,228,000 | 2,287 |
| Premises and equipment expense | $528,000 | 2,447 |
| Additional noninterest expense | $1,635,000 | 1,658 |
| Pre-tax net operating income | $4,067,000 | 1,159 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,284,000 | 1,044 |
| Income before extraordinary items | $2,783,000 | 1,288 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,783,000 | 1,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,576 |
| Cash dividends | $2,325,000 | 772 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 989 |
| Net operating income | $2,783,000 | 1,270 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,937,000 | 2,131 |
| Total interest expense | $1,791,000 | 2,559 |
| Net interest income | $3,146,000 | 1,829 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $947,000 | 1,356 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $494,000 | 874 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $453,000 | 1,462 |
| Total noninterest expense | $2,183,000 | 2,118 |
| Salaries and employee benefits | $1,107,000 | 2,321 |
| Premises and equipment expense | $255,000 | 2,541 |
| Additional noninterest expense | $821,000 | 1,631 |
| Pre-tax net operating income | $1,910,000 | 1,226 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $610,000 | 1,103 |
| Income before extraordinary items | $1,300,000 | 1,356 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,300,000 | 1,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,379 |
| Cash dividends | $1,125,000 | 733 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 840 |
| Net operating income | $1,300,000 | 1,346 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,734,000 | 2,101 |
| Total interest expense | $6,135,000 | 2,544 |
| Net interest income | $12,599,000 | 1,824 |
| Provision for loan and lease losses | $60,000 | 5,315 |
| Total noninterest income | $3,885,000 | 1,318 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,981,000 | 894 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,904,000 | 1,412 |
| Total noninterest expense | $8,713,000 | 2,022 |
| Salaries and employee benefits | $4,312,000 | 2,268 |
| Premises and equipment expense | $1,132,000 | 2,182 |
| Additional noninterest expense | $3,269,000 | 1,614 |
| Pre-tax net operating income | $7,711,000 | 1,268 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,466,000 | 1,115 |
| Income before extraordinary items | $5,245,000 | 1,394 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,245,000 | 1,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,895 |
| Cash dividends | $1,250,000 | 2,194 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,153 |
| Net operating income | $5,245,000 | 1,383 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,799,000 | 2,128 |
| Total interest expense | $4,477,000 | 2,530 |
| Net interest income | $9,322,000 | 1,873 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $2,881,000 | 1,347 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,466,000 | 910 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,415,000 | 1,417 |
| Total noninterest expense | $6,510,000 | 2,030 |
| Salaries and employee benefits | $3,264,000 | 2,249 |
| Premises and equipment expense | $833,000 | 2,236 |
| Additional noninterest expense | $2,413,000 | 1,635 |
| Pre-tax net operating income | $5,693,000 | 1,342 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,817,000 | 1,177 |
| Income before extraordinary items | $3,876,000 | 1,445 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,876,000 | 1,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,490 |
| Cash dividends | $250,000 | 3,894 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 971 |
| Net operating income | $3,876,000 | 1,429 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,950,000 | 2,145 |
| Total interest expense | $2,879,000 | 2,519 |
| Net interest income | $6,071,000 | 1,921 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,905,000 | 1,355 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $944,000 | 928 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $961,000 | 1,392 |
| Total noninterest expense | $4,359,000 | 2,017 |
| Salaries and employee benefits | $2,176,000 | 2,260 |
| Premises and equipment expense | $565,000 | 2,203 |
| Additional noninterest expense | $1,618,000 | 1,624 |
| Pre-tax net operating income | $3,617,000 | 1,403 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,148,000 | 1,245 |
| Income before extraordinary items | $2,469,000 | 1,503 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,469,000 | 1,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,501 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 834 |
| Net operating income | $2,469,000 | 1,482 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,401,000 | 2,131 |
| Total interest expense | $1,408,000 | 2,454 |
| Net interest income | $2,993,000 | 1,935 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $797,000 | 1,519 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $432,000 | 991 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $365,000 | 1,674 |
| Total noninterest expense | $2,085,000 | 2,120 |
| Salaries and employee benefits | $1,056,000 | 2,335 |
| Premises and equipment expense | $272,000 | 2,293 |
| Additional noninterest expense | $757,000 | 1,728 |
| Pre-tax net operating income | $1,705,000 | 1,450 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $537,000 | 1,313 |
| Income before extraordinary items | $1,168,000 | 1,554 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,168,000 | 1,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,168,000 | 1,536 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,719,000 | 2,252 |
| Total interest expense | $3,684,000 | 2,832 |
| Net interest income | $11,035,000 | 2,007 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $3,358,000 | 1,464 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,860,000 | 931 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,498,000 | 1,658 |
| Total noninterest expense | $7,575,000 | 2,207 |
| Salaries and employee benefits | $3,816,000 | 2,395 |
| Premises and equipment expense | $896,000 | 2,612 |
| Additional noninterest expense | $2,863,000 | 1,762 |
| Pre-tax net operating income | $6,818,000 | 1,407 |
| Securities gains (losses) | $11,000 | 1,453 |
| Applicable income taxes | $2,154,000 | 1,273 |
| Income before extraordinary items | $4,675,000 | 1,510 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,675,000 | 1,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,235 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,667,520 | 1,488 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,666,000 | 2,274 |
| Total interest expense | $2,493,000 | 2,935 |
| Net interest income | $8,173,000 | 2,021 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $2,532,000 | 1,472 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,373,000 | 949 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,159,000 | 1,629 |
| Total noninterest expense | $5,680,000 | 2,180 |
| Salaries and employee benefits | $2,879,000 | 2,347 |
| Premises and equipment expense | $648,000 | 2,678 |
| Additional noninterest expense | $2,153,000 | 1,734 |
| Pre-tax net operating income | $5,025,000 | 1,425 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $1,585,000 | 1,329 |
| Income before extraordinary items | $3,445,000 | 1,531 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,445,000 | 1,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,672 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,441,600 | 1,504 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,939,000 | 2,272 |
| Total interest expense | $1,566,000 | 2,950 |
| Net interest income | $5,373,000 | 2,025 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,709,000 | 1,443 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $901,000 | 940 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $808,000 | 1,570 |
| Total noninterest expense | $3,781,000 | 2,164 |
| Salaries and employee benefits | $1,918,000 | 2,341 |
| Premises and equipment expense | $431,000 | 2,657 |
| Additional noninterest expense | $1,432,000 | 1,725 |
| Pre-tax net operating income | $3,301,000 | 1,416 |
| Securities gains (losses) | $7,000 | 1,472 |
| Applicable income taxes | $1,047,000 | 1,325 |
| Income before extraordinary items | $2,261,000 | 1,527 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,261,000 | 1,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 2,636 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,256,240 | 1,507 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,409,000 | 2,264 |
| Total interest expense | $746,000 | 2,971 |
| Net interest income | $2,663,000 | 2,026 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $922,000 | 1,330 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $436,000 | 934 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $486,000 | 1,346 |
| Total noninterest expense | $1,858,000 | 2,227 |
| Salaries and employee benefits | $940,000 | 2,408 |
| Premises and equipment expense | $216,000 | 2,679 |
| Additional noninterest expense | $702,000 | 1,766 |
| Pre-tax net operating income | $1,727,000 | 1,334 |
| Securities gains (losses) | $7,000 | 1,110 |
| Applicable income taxes | $547,000 | 1,244 |
| Income before extraordinary items | $1,187,000 | 1,428 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,187,000 | 1,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,093 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,182,240 | 1,414 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,880,000 | 3,135 |
| Total interest expense | $1,606,000 | 4,320 |
| Net interest income | $7,274,000 | 2,789 |
| Provision for loan and lease losses | $40,000 | 6,168 |
| Total noninterest income | $2,382,000 | 1,940 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,196,000 | 1,471 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,186,000 | 1,922 |
| Total noninterest expense | $5,046,000 | 3,090 |
| Salaries and employee benefits | $2,332,000 | 3,537 |
| Premises and equipment expense | $593,000 | 3,565 |
| Additional noninterest expense | $2,121,000 | 2,290 |
| Pre-tax net operating income | $4,570,000 | 1,833 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $1,395,000 | 1,694 |
| Income before extraordinary items | $3,176,000 | 1,972 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,176,000 | 1,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $366,000 | 1,706 |
| Cash dividends | $2,201,000 | 1,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,175,310 | 1,923 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $616,000 | 8,597 |
| Total interest expense | $150,000 | 8,517 |
| Net interest income | $466,000 | 8,571 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $76,000 | 8,124 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $38,000 | 7,324 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $38,000 | 7,412 |
| Total noninterest expense | $293,000 | 8,834 |
| Salaries and employee benefits | $124,000 | 8,905 |
| Premises and equipment expense | $36,000 | 8,644 |
| Additional noninterest expense | $133,000 | 8,443 |
| Pre-tax net operating income | $249,000 | 7,464 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $80,000 | 5,583 |
| Income before extraordinary items | $169,000 | 7,664 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $169,000 | 7,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $169,000 | 7,610 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,829,000 | 5,835 |
| Total interest expense | $465,000 | 5,864 |
| Net interest income | $1,364,000 | 5,712 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $259,000 | 5,199 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $102,000 | 5,219 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $157,000 | 4,218 |
| Total noninterest expense | $1,046,000 | 5,864 |
| Salaries and employee benefits | $468,000 | 6,507 |
| Premises and equipment expense | $101,000 | 6,751 |
| Additional noninterest expense | $477,000 | 4,482 |
| Pre-tax net operating income | $577,000 | 4,927 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $577,000 | 4,357 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $577,000 | 4,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $577,000 | 4,261 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $927,000 | 5,835 |
| Total interest expense | $243,000 | 5,793 |
| Net interest income | $684,000 | 5,712 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $131,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $47,000 | 5,338 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $84,000 | 4,069 |
| Total noninterest expense | $567,000 | 5,633 |
| Salaries and employee benefits | $239,000 | 6,487 |
| Premises and equipment expense | $47,000 | 6,927 |
| Additional noninterest expense | $281,000 | 3,938 |
| Pre-tax net operating income | $248,000 | 5,303 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $248,000 | 4,782 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $248,000 | 4,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $248,000 | 4,660 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,022,000 | 5,624 |
| Total interest expense | $1,253,000 | 5,423 |
| Net interest income | $2,769,000 | 5,565 |
| Provision for loan and lease losses | $363,000 | 2,763 |
| Total noninterest income | $543,000 | 5,208 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $207,000 | 5,198 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $336,000 | 4,281 |
| Total noninterest expense | $2,100,000 | 5,830 |
| Salaries and employee benefits | $999,000 | 6,272 |
| Premises and equipment expense | $196,000 | 6,824 |
| Additional noninterest expense | $905,000 | 4,606 |
| Pre-tax net operating income | $849,000 | 5,545 |
| Securities gains (losses) | $9,000 | 3,670 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $858,000 | 5,063 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $858,000 | 5,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,731 |
| Cash dividends | $871,000 | 2,546 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 834 |
| Net operating income | $849,000 | 4,928 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,087,000 | 5,602 |
| Total interest expense | $988,000 | 5,417 |
| Net interest income | $2,099,000 | 5,564 |
| Provision for loan and lease losses | $302,000 | 2,494 |
| Total noninterest income | $407,000 | 5,263 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $156,000 | 5,220 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $251,000 | 4,375 |
| Total noninterest expense | $1,489,000 | 6,000 |
| Salaries and employee benefits | $756,000 | 6,205 |
| Premises and equipment expense | $144,000 | 6,890 |
| Additional noninterest expense | $589,000 | 5,079 |
| Pre-tax net operating income | $715,000 | 5,446 |
| Securities gains (losses) | $9,000 | 3,379 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $724,000 | 4,897 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $724,000 | 4,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,085 |
| Cash dividends | $367,000 | 3,169 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 678 |
| Net operating income | $715,000 | 4,747 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,079,000 | 5,607 |
| Total interest expense | $690,000 | 5,389 |
| Net interest income | $1,389,000 | 5,583 |
| Provision for loan and lease losses | $85,000 | 4,219 |
| Total noninterest income | $256,000 | 5,404 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $102,000 | 5,238 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $154,000 | 4,535 |
| Total noninterest expense | $976,000 | 6,058 |
| Salaries and employee benefits | $500,000 | 6,264 |
| Premises and equipment expense | $92,000 | 6,967 |
| Additional noninterest expense | $384,000 | 5,152 |
| Pre-tax net operating income | $584,000 | 4,907 |
| Securities gains (losses) | $9,000 | 2,996 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $593,000 | 4,338 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $593,000 | 4,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $367,000 | 2,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $584,000 | 4,163 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,042,000 | 5,633 |
| Total interest expense | $353,000 | 5,425 |
| Net interest income | $689,000 | 5,596 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $130,000 | 5,256 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 5,093 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $78,000 | 4,393 |
| Total noninterest expense | $479,000 | 6,142 |
| Salaries and employee benefits | $249,000 | 6,268 |
| Premises and equipment expense | $46,000 | 7,010 |
| Additional noninterest expense | $184,000 | 5,272 |
| Pre-tax net operating income | $340,000 | 4,454 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $340,000 | 3,883 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $340,000 | 3,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $213,000 | 2,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $340,000 | 3,703 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,436,000 | 5,581 |
| Total interest expense | $1,739,000 | 5,243 |
| Net interest income | $2,697,000 | 5,653 |
| Provision for loan and lease losses | $170,000 | 4,692 |
| Total noninterest income | $348,000 | 6,111 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $247,000 | 4,728 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $101,000 | 6,421 |
| Total noninterest expense | $1,830,000 | 6,197 |
| Salaries and employee benefits | $862,000 | 6,651 |
| Premises and equipment expense | $186,000 | 6,955 |
| Additional noninterest expense | $782,000 | 5,008 |
| Pre-tax net operating income | $1,045,000 | 5,093 |
| Securities gains (losses) | $153,000 | 1,372 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,198,000 | 4,094 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,198,000 | 4,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,935 |
| Cash dividends | $980,000 | 2,315 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 595 |
| Net operating income | $1,045,000 | 4,368 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,355,000 | 5,378 |
| Total interest expense | $2,761,000 | 5,043 |
| Net interest income | $2,594,000 | 5,590 |
| Provision for loan and lease losses | $183,000 | 4,322 |
| Total noninterest income | $417,000 | 5,570 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $238,000 | 4,764 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $179,000 | 5,173 |
| Total noninterest expense | $1,711,000 | 6,317 |
| Salaries and employee benefits | $792,000 | 6,812 |
| Premises and equipment expense | $173,000 | 7,171 |
| Additional noninterest expense | $746,000 | 5,029 |
| Pre-tax net operating income | $1,117,000 | 4,611 |
| Securities gains (losses) | $-5,000 | 9,212 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,112,000 | 4,002 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,112,000 | 4,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,490 |
| Cash dividends | $643,000 | 3,021 |
| Sale, conversion, retirement of capital stock, net | $-275,000 | 9,531 |
| Net operating income | $1,117,000 | 3,867 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,458,000 | 5,421 |
| Total interest expense | $2,651,000 | 5,362 |
| Net interest income | $2,807,000 | 5,392 |
| Provision for loan and lease losses | $289,000 | 2,948 |
| Total noninterest income | $269,000 | 6,579 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 4,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,092 |
| Total noninterest expense | $1,389,000 | 7,027 |
| Salaries and employee benefits | $696,000 | 7,228 |
| Premises and equipment expense | $162,000 | 7,372 |
| Additional noninterest expense | $531,000 | 6,194 |
| Pre-tax net operating income | $1,398,000 | 4,270 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,398,000 | 3,441 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,398,000 | 3,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,534 |
| Cash dividends | $891,000 | 2,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,398,000 | 3,426 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,072,000 | 6,308 |
| Total interest expense | $1,973,000 | 6,046 |
| Net interest income | $2,099,000 | 6,459 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $223,000 | 7,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 5,318 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,550 |
| Total noninterest expense | $1,275,000 | 7,364 |
| Salaries and employee benefits | $618,000 | 7,656 |
| Premises and equipment expense | $160,000 | 7,502 |
| Additional noninterest expense | $497,000 | 6,542 |
| Pre-tax net operating income | $1,035,000 | 5,195 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $154,000 | 6,229 |
| Income before extraordinary items | $881,000 | 4,803 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $881,000 | 4,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $881,000 | 4,764 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,733,000 | 7,834 |
| Total interest expense | $1,339,000 | 7,570 |
| Net interest income | $1,394,000 | 7,916 |
| Provision for loan and lease losses | $277,000 | 2,801 |
| Total noninterest income | $120,000 | 8,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 6,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,238 |
| Total noninterest expense | $1,077,000 | 7,889 |
| Salaries and employee benefits | $565,000 | 7,954 |
| Premises and equipment expense | $112,000 | 8,436 |
| Additional noninterest expense | $400,000 | 7,218 |
| Pre-tax net operating income | $160,000 | 9,128 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $66,000 | 8,056 |
| Income before extraordinary items | $94,000 | 9,377 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $94,000 | 9,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 762 |
| Net operating income | $94,000 | 9,314 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $692,000 | 10,571 |
| Total interest expense | $251,000 | 10,596 |
| Net interest income | $441,000 | 10,501 |
| Provision for loan and lease losses | $149,000 | 4,180 |
| Total noninterest income | $29,000 | 10,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 9,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,761 |
| Total noninterest expense | $615,000 | 9,693 |
| Salaries and employee benefits | $327,000 | 9,765 |
| Premises and equipment expense | $69,000 | 9,733 |
| Additional noninterest expense | $219,000 | 9,178 |
| Pre-tax net operating income | $-294,000 | 10,632 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-100,000 | 10,706 |
| Income before extraordinary items | $-194,000 | 10,602 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-194,000 | 10,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $3,808,000 | 258 |
| Net operating income | $-194,000 | 10,575 |
* 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.