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First Savings Bank, Income and Expense

2004-06-30 (YTD Data)		Rank
Total interest income	$51,371,000	312
Total interest expense	$22,352,000	223
Net interest income	$29,019,000	379
Provision for loan and lease losses	$150,000	2,691
Total noninterest income	$3,212,000	868
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$1,001,000	858
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,211,000	737
Total noninterest expense	$15,525,000	550
Salaries and employee benefits	$10,361,000	440
Premises and equipment expense	$2,142,000	531
Additional noninterest expense	$3,022,000	820
Pre-tax net operating income	$16,556,000	338
Securities gains (losses)	$444,000	380
Applicable income taxes	$5,625,000	345
Income before extraordinary items	$11,375,000	351
Extraordinary gains, net	$0	21
Net income	$11,375,000	350
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	7,943
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$11,077,520	344
2004-03-31 (YTD Data)		Rank
Total interest income	$26,287,000	313
Total interest expense	$11,424,000	223
Net interest income	$14,863,000	375
Provision for loan and lease losses	$0	6,501
Total noninterest income	$1,586,000	864
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$495,000	857
Trading account gains and fees	$0	121
Additional Noninterest Income	$1,091,000	745
Total noninterest expense	$6,941,000	618
Salaries and employee benefits	$4,246,000	530
Premises and equipment expense	$1,174,000	510
Additional noninterest expense	$1,521,000	802
Pre-tax net operating income	$9,508,000	307
Securities gains (losses)	$571,000	242
Applicable income taxes	$3,238,000	317
Income before extraordinary items	$6,841,000	304
Extraordinary gains, net	$0	16
Net income	$6,841,000	304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,591
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$6,452,720	295
2003-12-31 (YTD Data)		Rank
Total interest income	$107,736,000	309
Total interest expense	$51,314,000	213
Net interest income	$56,422,000	377
Provision for loan and lease losses	$0	7,651
Total noninterest income	$9,080,000	709
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,951,000	880
Trading account gains and fees	$0	160
Additional Noninterest Income	$7,129,000	574
Total noninterest expense	$33,967,000	522
Salaries and employee benefits	$20,010,000	449
Premises and equipment expense	$3,998,000	572
Additional noninterest expense	$9,959,000	558
Pre-tax net operating income	$31,535,000	335
Securities gains (losses)	$370,000	920
Applicable income taxes	$12,079,000	319
Income before extraordinary items	$19,826,000	386
Extraordinary gains, net	$0	54
Net income	$19,826,000	386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	4,807
Cash dividends	$20,000,000	241
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$19,589,200	365
2003-09-30 (YTD Data)		Rank
Total interest income	$81,816,000	318
Total interest expense	$39,421,000	222
Net interest income	$42,395,000	381
Provision for loan and lease losses	$0	7,481
Total noninterest income	$5,097,000	914
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,399,000	928
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,698,000	800
Total noninterest expense	$20,429,000	632
Salaries and employee benefits	$13,335,000	512
Premises and equipment expense	$3,049,000	578
Additional noninterest expense	$4,045,000	949
Pre-tax net operating income	$27,063,000	317
Securities gains (losses)	$1,699,000	311
Applicable income taxes	$9,349,000	328
Income before extraordinary items	$19,413,000	328
Extraordinary gains, net	$0	40
Net income	$19,413,000	329
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	4,377
Cash dividends	$15,000,000	232
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$18,274,670	314
2003-06-30 (YTD Data)		Rank
Total interest income	$55,699,000	315
Total interest expense	$27,229,000	222
Net interest income	$28,470,000	383
Provision for loan and lease losses	$0	7,324
Total noninterest income	$3,415,000	904
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$922,000	933
Trading account gains and fees	$0	150
Additional Noninterest Income	$2,493,000	787
Total noninterest expense	$13,853,000	622
Salaries and employee benefits	$8,237,000	538
Premises and equipment expense	$2,069,000	573
Additional noninterest expense	$3,547,000	735
Pre-tax net operating income	$18,032,000	317
Securities gains (losses)	$1,456,000	281
Applicable income taxes	$6,365,000	327
Income before extraordinary items	$13,123,000	326
Extraordinary gains, net	$0	30
Net income	$13,123,000	328
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	3,822
Cash dividends	$15,000,000	161
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$12,147,480	320
2003-03-31 (YTD Data)		Rank
Total interest income	$28,439,000	319
Total interest expense	$14,006,000	224
Net interest income	$14,433,000	384
Provision for loan and lease losses	$0	6,934
Total noninterest income	$1,596,000	932
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$464,000	885
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,132,000	818
Total noninterest expense	$6,955,000	612
Salaries and employee benefits	$4,094,000	542
Premises and equipment expense	$1,075,000	557
Additional noninterest expense	$1,786,000	719
Pre-tax net operating income	$9,074,000	312
Securities gains (losses)	$911,000	230
Applicable income taxes	$3,268,000	324
Income before extraordinary items	$6,717,000	316
Extraordinary gains, net	$0	21
Net income	$6,717,000	317
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,022
Cash dividends	$15,000,000	96
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$6,106,630	310
2002-12-31 (YTD Data)		Rank
Total interest income	$124,570,000	308
Total interest expense	$63,399,000	231
Net interest income	$61,171,000	369
Provision for loan and lease losses	$1,310,000	1,046
Total noninterest income	$6,227,000	873
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,830,000	884
Trading account gains and fees	$0	153
Additional Noninterest Income	$4,397,000	758
Total noninterest expense	$26,745,000	608
Salaries and employee benefits	$15,988,000	529
Premises and equipment expense	$3,896,000	577
Additional noninterest expense	$6,861,000	744
Pre-tax net operating income	$39,343,000	295
Securities gains (losses)	$468,000	685
Applicable income taxes	$13,286,000	301
Income before extraordinary items	$26,525,000	302
Extraordinary gains, net	$0	70
Net income	$26,525,000	302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,412,000	711
Cash dividends	$30,000,000	185
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$26,211,440	290
2001-12-31 (YTD Data)		Rank
Total interest income	$131,957,000	318
Total interest expense	$75,817,000	273
Net interest income	$56,140,000	374
Provision for loan and lease losses	$650,000	1,779
Total noninterest income	$3,758,000	1,247
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,675,000	880
Trading account gains and fees	$0	177
Additional Noninterest Income	$2,083,000	1,210
Total noninterest expense	$24,826,000	648
Salaries and employee benefits	$14,469,000	548
Premises and equipment expense	$3,696,000	594
Additional noninterest expense	$6,661,000	764
Pre-tax net operating income	$34,422,000	286
Securities gains (losses)	$738,000	485
Applicable income taxes	$9,986,000	333
Income before extraordinary items	$25,174,000	280
Extraordinary gains, net	$0	105
Net income	$25,174,000	279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,918
Cash dividends	$20,000,000	230
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$24,642,640	274
2000-12-31 (YTD Data)		Rank
Total interest income	$134,781,000	337
Total interest expense	$79,893,000	299
Net interest income	$54,888,000	381
Provision for loan and lease losses	$1,441,000	793
Total noninterest income	$3,071,000	1,329
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$1,646,000	830
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,425,000	1,436
Total noninterest expense	$23,877,000	658
Salaries and employee benefits	$13,770,000	531
Premises and equipment expense	$3,954,000	563
Additional noninterest expense	$6,153,000	807
Pre-tax net operating income	$32,641,000	315
Securities gains (losses)	$-983,000	9,758
Applicable income taxes	$10,221,000	329
Income before extraordinary items	$21,437,000	315
Extraordinary gains, net	$0	38
Net income	$21,437,000	315
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$104,000	3,511
Cash dividends	$37,000,000	168
Sale, conversion, retirement of capital stock, net	$862,000	479
Net operating income	$22,105,440	304
1999-12-31 (YTD Data)		Rank
Total interest income	$121,161,000	350
Total interest expense	$66,115,000	313
Net interest income	$55,046,000	386
Provision for loan and lease losses	$1,845,000	603
Total noninterest income	$4,451,000	1,015
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$7,000	154
Additional Noninterest Income	$4,444,000	695
Total noninterest expense	$23,836,000	664
Salaries and employee benefits	$13,617,000	538
Premises and equipment expense	$3,990,000	559
Additional noninterest expense	$6,229,000	825
Pre-tax net operating income	$33,816,000	330
Securities gains (losses)	$498,000	344
Applicable income taxes	$11,613,000	333
Income before extraordinary items	$22,701,000	334
Extraordinary gains, net	$0	35
Net income	$22,701,000	334
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	4,369
Cash dividends	$49,400,000	148
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$22,372,320	331
1998-12-31 (YTD Data)		Rank
Total interest income	$89,345,000	441
Total interest expense	$48,555,000	407
Net interest income	$40,790,000	473
Provision for loan and lease losses	$1,741,000	643
Total noninterest income	$4,821,000	960
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$8,000	199
Additional Noninterest Income	$4,813,000	657
Total noninterest expense	$20,308,000	734
Salaries and employee benefits	$11,769,000	601
Premises and equipment expense	$3,375,000	636
Additional noninterest expense	$5,164,000	928
Pre-tax net operating income	$23,562,000	388
Securities gains (losses)	$532,000	536
Applicable income taxes	$8,256,000	394
Income before extraordinary items	$15,838,000	401
Extraordinary gains, net	$0	32
Net income	$15,838,000	401
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$313,000	1,799
Cash dividends	$962,000	2,302
Sale, conversion, retirement of capital stock, net	$82,727,000	9
Net operating income	$15,486,880	387
1997-12-31 (YTD Data)		Rank
Total interest income	$71,791,000	523
Total interest expense	$41,183,000	464
Net interest income	$30,608,000	600
Provision for loan and lease losses	$1,251,000	829
Total noninterest income	$3,720,000	1,135
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-16,000	4,473
Additional Noninterest Income	$3,736,000	739
Total noninterest expense	$18,992,000	772
Salaries and employee benefits	$9,731,000	709
Premises and equipment expense	$4,211,000	521
Additional noninterest expense	$5,050,000	956
Pre-tax net operating income	$14,085,000	610
Securities gains (losses)	$568,000	399
Applicable income taxes	$5,360,000	584
Income before extraordinary items	$9,293,000	635
Extraordinary gains, net	$0	44
Net income	$9,293,000	636
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$266,000	2,128
Cash dividends	$1,664,000	1,500
Sale, conversion, retirement of capital stock, net	$-139,000	10,787
Net operating income	$8,929,480	629
1996-12-31 (YTD Data)		Rank
Total interest income	$67,422,000	583
Total interest expense	$37,264,000	525
Net interest income	$30,158,000	650
Provision for loan and lease losses	$550,000	1,620
Total noninterest income	$2,396,000	1,602
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-7,000	4,645
Additional Noninterest Income	$2,403,000	1,027
Total noninterest expense	$24,814,000	654
Salaries and employee benefits	$10,394,000	676
Premises and equipment expense	$3,536,000	630
Additional noninterest expense	$10,884,000	628
Pre-tax net operating income	$7,190,000	1,044
Securities gains (losses)	$247,000	618
Applicable income taxes	$2,727,000	947
Income before extraordinary items	$4,710,000	1,096
Extraordinary gains, net	$0	53
Net income	$4,710,000	1,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$501,000	1,427
Cash dividends	$1,108,000	1,980
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$4,551,920	1,110
1995-12-31 (YTD Data)		Rank
Total interest income	$64,080,000	633
Total interest expense	$35,690,000	569
Net interest income	$28,390,000	701
Provision for loan and lease losses	$310,000	2,226
Total noninterest income	$2,244,000	1,672
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$2,244,000	1,057
Total noninterest expense	$18,238,000	854
Salaries and employee benefits	$8,702,000	807
Premises and equipment expense	$3,227,000	710
Additional noninterest expense	$6,309,000	938
Pre-tax net operating income	$12,086,000	711
Securities gains (losses)	$748,000	271
Applicable income taxes	$4,662,000	639
Income before extraordinary items	$8,172,000	712
Extraordinary gains, net	$0	65
Net income	$8,172,000	712
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$707,000	1,107
Cash dividends	$1,004,000	2,004
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$7,693,280	734
1994-12-31 (YTD Data)		Rank
Total interest income	$52,462,000	674
Total interest expense	$25,136,000	596
Net interest income	$27,326,000	727
Provision for loan and lease losses	$300,000	2,237
Total noninterest income	$2,174,000	1,730
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$16,000	355
Additional Noninterest Income	$2,158,000	1,073
Total noninterest expense	$16,133,000	957
Salaries and employee benefits	$8,336,000	824
Premises and equipment expense	$3,160,000	726
Additional noninterest expense	$4,637,000	1,251
Pre-tax net operating income	$13,067,000	638
Securities gains (losses)	$72,000	944
Applicable income taxes	$4,863,000	583
Income before extraordinary items	$8,276,000	665
Extraordinary gains, net	$0	249
Net income	$8,276,000	667
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$499,000	1,379
Cash dividends	$787,000	2,333
Sale, conversion, retirement of capital stock, net	$3,373,000	226
Net operating income	$8,229,920	674
1993-12-31 (YTD Data)		Rank
Total interest income	$54,961,000	644
Total interest expense	$26,449,000	577
Net interest income	$28,512,000	692
Provision for loan and lease losses	$1,200,000	1,154
Total noninterest income	$1,957,000	2,011
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,957,000	1,271
Total noninterest expense	$16,304,000	985
Salaries and employee benefits	$8,437,000	822
Premises and equipment expense	$6,307,000	417
Additional noninterest expense	$1,560,000	3,385
Pre-tax net operating income	$12,965,000	562
Securities gains (losses)	$1,171,000	475
Applicable income taxes	$5,232,000	515
Income before extraordinary items	$8,904,000	594
Extraordinary gains, net	$397,000	568
Net income	$9,301,000	590
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,047,000	1,114
Cash dividends	$667,000	2,473
Sale, conversion, retirement of capital stock, net	$2,786,000	294
Net operating income	$8,154,560	594
1992-12-31 (YTD Data)		Rank
Total interest income	$62,381,000	636
Total interest expense	$33,813,000	603
Net interest income	$28,568,000	702
Provision for loan and lease losses	$2,400,000	1,002
Total noninterest income	$2,019,000	1,919
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$2,019,000	1,232
Total noninterest expense	$15,593,000	1,041
Salaries and employee benefits	$7,955,000	853
Premises and equipment expense	$6,307,000	422
Additional noninterest expense	$1,331,000	3,958
Pre-tax net operating income	$12,594,000	509
Securities gains (losses)	$826,000	746
Applicable income taxes	$5,390,000	449
Income before extraordinary items	$8,030,000	597
Extraordinary gains, net	$0	1,422
Net income	$8,030,000	597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$271,000	3,549
Cash dividends	$163,000	5,576
Sale, conversion, retirement of capital stock, net	$8,379,000	109
Net operating income	$7,501,360	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.