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First Savings Bank, Income and Expense

2003-12-31 (YTD Data)		Rank
Total interest income	$1,244,000	8,345
Total interest expense	$468,000	7,852
Net interest income	$776,000	8,448
Provision for loan and lease losses	$18,000	7,137
Total noninterest income	$108,000	8,223
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$32,000	7,690
Trading account gains and fees	$0	160
Additional Noninterest Income	$76,000	6,964
Total noninterest expense	$1,813,000	6,334
Salaries and employee benefits	$563,000	7,854
Premises and equipment expense	$233,000	6,395
Additional noninterest expense	$1,017,000	4,212
Pre-tax net operating income	$-947,000	8,962
Securities gains (losses)	$0	4,500
Applicable income taxes	$-160,000	8,990
Income before extraordinary items	$-787,000	8,991
Extraordinary gains, net	$0	54
Net income	$-787,000	8,991
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,475
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-787,000	8,940
2003-09-30 (YTD Data)		Rank
Total interest income	$985,000	8,362
Total interest expense	$374,000	7,888
Net interest income	$611,000	8,464
Provision for loan and lease losses	$-5,000	9,020
Total noninterest income	$83,000	8,262
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$25,000	7,738
Trading account gains and fees	$0	153
Additional Noninterest Income	$58,000	7,004
Total noninterest expense	$1,413,000	6,146
Salaries and employee benefits	$464,000	7,586
Premises and equipment expense	$179,000	6,311
Additional noninterest expense	$770,000	4,168
Pre-tax net operating income	$-714,000	9,021
Securities gains (losses)	$0	4,204
Applicable income taxes	$-125,000	9,083
Income before extraordinary items	$-589,000	9,049
Extraordinary gains, net	$0	40
Net income	$-589,000	9,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	4,715
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-589,000	8,998
2003-06-30 (YTD Data)		Rank
Total interest income	$661,000	8,411
Total interest expense	$269,000	7,869
Net interest income	$392,000	8,549
Provision for loan and lease losses	$-11,000	9,101
Total noninterest income	$53,000	8,304
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$14,000	7,828
Trading account gains and fees	$0	150
Additional Noninterest Income	$39,000	6,988
Total noninterest expense	$996,000	5,998
Salaries and employee benefits	$326,000	7,467
Premises and equipment expense	$122,000	6,222
Additional noninterest expense	$548,000	3,969
Pre-tax net operating income	$-540,000	9,081
Securities gains (losses)	$0	3,782
Applicable income taxes	$-87,000	9,122
Income before extraordinary items	$-453,000	9,118
Extraordinary gains, net	$0	30
Net income	$-453,000	9,116
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	3,864
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-453,000	9,057
2003-03-31 (YTD Data)		Rank
Total interest income	$336,000	8,450
Total interest expense	$151,000	7,737
Net interest income	$185,000	8,665
Provision for loan and lease losses	$0	6,934
Total noninterest income	$37,000	7,862
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,000	8,100
Trading account gains and fees	$0	134
Additional Noninterest Income	$36,000	5,881
Total noninterest expense	$430,000	6,495
Salaries and employee benefits	$154,000	7,648
Premises and equipment expense	$66,000	6,019
Additional noninterest expense	$210,000	4,789
Pre-tax net operating income	$-208,000	9,095
Securities gains (losses)	$0	2,891
Applicable income taxes	$-82,000	9,210
Income before extraordinary items	$-126,000	9,069
Extraordinary gains, net	$0	21
Net income	$-126,000	9,066
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-126,000	9,002
2002-12-31 (YTD Data)		Rank
Total interest income	$1,721,000	8,154
Total interest expense	$710,000	7,789
Net interest income	$1,011,000	8,243
Provision for loan and lease losses	$140,000	5,057
Total noninterest income	$240,000	6,949
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$37,000	7,739
Trading account gains and fees	$0	153
Additional Noninterest Income	$203,000	4,991
Total noninterest expense	$1,266,000	7,329
Salaries and employee benefits	$425,000	8,422
Premises and equipment expense	$207,000	6,700
Additional noninterest expense	$634,000	5,731
Pre-tax net operating income	$-155,000	8,802
Securities gains (losses)	$0	4,537
Applicable income taxes	$-40,000	8,974
Income before extraordinary items	$-115,000	8,853
Extraordinary gains, net	$0	70
Net income	$-115,000	8,852
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,417
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-115,000	8,793
2001-12-31 (YTD Data)		Rank
Total interest income	$2,024,000	8,183
Total interest expense	$1,086,000	7,835
Net interest income	$938,000	8,405
Provision for loan and lease losses	$158,000	4,678
Total noninterest income	$165,000	7,686
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$38,000	7,831
Trading account gains and fees	$0	177
Additional Noninterest Income	$127,000	5,878
Total noninterest expense	$1,034,000	7,871
Salaries and employee benefits	$385,000	8,692
Premises and equipment expense	$195,000	6,864
Additional noninterest expense	$454,000	6,757
Pre-tax net operating income	$-89,000	8,852
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$-89,000	8,944
Extraordinary gains, net	$0	105
Net income	$-89,000	8,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$116,000	3,810
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-89,000	8,884
2000-12-31 (YTD Data)		Rank
Total interest income	$1,731,000	8,708
Total interest expense	$942,000	8,345
Net interest income	$789,000	8,923
Provision for loan and lease losses	$4,000	8,198
Total noninterest income	$29,000	9,595
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	8,326
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	9,267
Total noninterest expense	$701,000	8,815
Salaries and employee benefits	$302,000	9,246
Premises and equipment expense	$144,000	7,690
Additional noninterest expense	$255,000	8,302
Pre-tax net operating income	$113,000	8,754
Securities gains (losses)	$0	1,956
Applicable income taxes	$28,000	7,665
Income before extraordinary items	$85,000	8,797
Extraordinary gains, net	$0	38
Net income	$85,000	8,797
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$85,000	8,788
1999-12-31 (YTD Data)		Rank
Total interest income	$1,651,000	8,890
Total interest expense	$930,000	8,366
Net interest income	$721,000	9,233
Provision for loan and lease losses	$34,000	7,136
Total noninterest income	$17,000	9,989
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	8,649
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	9,956
Total noninterest expense	$667,000	9,123
Salaries and employee benefits	$292,000	9,505
Premises and equipment expense	$131,000	8,016
Additional noninterest expense	$244,000	8,620
Pre-tax net operating income	$37,000	9,275
Securities gains (losses)	$0	3,155
Applicable income taxes	$20,000	8,212
Income before extraordinary items	$17,000	9,385
Extraordinary gains, net	$0	35
Net income	$17,000	9,380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$17,000	9,353
1998-12-31 (YTD Data)		Rank
Total interest income	$1,461,000	9,334
Total interest expense	$824,000	8,876
Net interest income	$637,000	9,641
Provision for loan and lease losses	$2,000	8,582
Total noninterest income	$65,000	9,598
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$9,000	8,887
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	7,951
Total noninterest expense	$645,000	9,275
Salaries and employee benefits	$310,000	9,571
Premises and equipment expense	$125,000	8,162
Additional noninterest expense	$210,000	9,017
Pre-tax net operating income	$55,000	9,599
Securities gains (losses)	$0	4,449
Applicable income taxes	$12,000	9,035
Income before extraordinary items	$43,000	9,658
Extraordinary gains, net	$0	32
Net income	$43,000	9,656
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$43,000	9,596
1997-12-31 (YTD Data)		Rank
Total interest income	$1,472,000	9,704
Total interest expense	$833,000	9,153
Net interest income	$639,000	10,096
Provision for loan and lease losses	$8,000	8,510
Total noninterest income	$14,000	10,758
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$10,000	9,287
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	10,710
Total noninterest expense	$471,000	10,234
Salaries and employee benefits	$201,000	10,535
Premises and equipment expense	$89,000	9,234
Additional noninterest expense	$181,000	9,661
Pre-tax net operating income	$174,000	9,712
Securities gains (losses)	$0	3,944
Applicable income taxes	$39,000	9,426
Income before extraordinary items	$135,000	9,730
Extraordinary gains, net	$0	44
Net income	$135,000	9,731
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	$0	1,030
Net operating income	$135,000	9,681
1996-12-31 (YTD Data)		Rank
Total interest income	$1,318,000	10,360
Total interest expense	$748,000	9,814
Net interest income	$570,000	10,732
Provision for loan and lease losses	$0	9,041
Total noninterest income	$8,000	11,328
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	9,800
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,000	11,358
Total noninterest expense	$504,000	10,568
Salaries and employee benefits	$174,000	11,145
Premises and equipment expense	$84,000	9,709
Additional noninterest expense	$246,000	9,438
Pre-tax net operating income	$74,000	10,492
Securities gains (losses)	$0	4,148
Applicable income taxes	$13,000	10,323
Income before extraordinary items	$61,000	10,516
Extraordinary gains, net	$0	53
Net income	$61,000	10,515
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$61,000	10,469
1995-12-31 (YTD Data)		Rank
Total interest income	$1,141,000	11,049
Total interest expense	$645,000	10,509
Net interest income	$496,000	11,409
Provision for loan and lease losses	$0	8,958
Total noninterest income	$12,000	11,851
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$6,000	10,236
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	11,713
Total noninterest expense	$384,000	11,481
Salaries and employee benefits	$152,000	11,731
Premises and equipment expense	$82,000	10,145
Additional noninterest expense	$150,000	11,048
Pre-tax net operating income	$124,000	10,950
Securities gains (losses)	$0	3,831
Applicable income taxes	$30,000	10,584
Income before extraordinary items	$94,000	10,986
Extraordinary gains, net	$0	65
Net income	$94,000	10,986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$94,000	10,957
1994-12-31 (YTD Data)		Rank
Total interest income	$1,009,000	11,691
Total interest expense	$479,000	11,188
Net interest income	$530,000	11,909
Provision for loan and lease losses	$0	9,146
Total noninterest income	$9,000	12,480
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$3,000	10,814
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	12,297
Total noninterest expense	$351,000	12,208
Salaries and employee benefits	$147,000	12,369
Premises and equipment expense	$69,000	10,998
Additional noninterest expense	$132,000	11,996
Pre-tax net operating income	$188,000	10,985
Securities gains (losses)	$0	3,600
Applicable income taxes	$70,000	10,019
Income before extraordinary items	$118,000	11,187
Extraordinary gains, net	$0	249
Net income	$118,000	11,194
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$118,000	11,230
1993-12-31 (YTD Data)		Rank
Total interest income	$974,000	12,344
Total interest expense	$460,000	11,892
Net interest income	$514,000	12,513
Provision for loan and lease losses	$10,000	9,731
Total noninterest income	$14,000	13,131
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$14,000	12,477
Total noninterest expense	$333,000	12,884
Salaries and employee benefits	$155,000	12,959
Premises and equipment expense	$89,000	10,821
Additional noninterest expense	$89,000	13,034
Pre-tax net operating income	$185,000	11,177
Securities gains (losses)	$0	7,477
Applicable income taxes	$57,000	10,777
Income before extraordinary items	$128,000	11,484
Extraordinary gains, net	$0	3,149
Net income	$128,000	11,544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$128,000	11,265
1992-12-31 (YTD Data)		Rank
Total interest income	$936,000	13,130
Total interest expense	$524,000	12,657
Net interest income	$412,000	13,357
Provision for loan and lease losses	$14,000	10,934
Total noninterest income	$6,000	13,828
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$6,000	13,603
Total noninterest expense	$277,000	13,633
Salaries and employee benefits	$136,000	13,645
Premises and equipment expense	$82,000	11,425
Additional noninterest expense	$59,000	13,806
Pre-tax net operating income	$127,000	11,742
Securities gains (losses)	$0	8,369
Applicable income taxes	$30,000	11,811
Income before extraordinary items	$97,000	11,975
Extraordinary gains, net	$0	1,422
Net income	$97,000	12,045
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$97,000	11,682

* 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.