Home > First Security Bank of Mountain Home > Income and Expense
First Security Bank of Mountain Home, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,604,000 | 2,284 |
| Total interest expense | $6,555,000 | 2,157 |
| Net interest income | $7,049,000 | 2,381 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $1,341,000 | 2,394 |
| Gross Fiduciary activities income | $303,000 | 641 |
| Service charges on deposit accounts | $447,000 | 2,669 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $591,000 | 2,585 |
| Total noninterest expense | $4,617,000 | 2,881 |
| Salaries and employee benefits | $2,434,000 | 3,004 |
| Premises and equipment expense | $674,000 | 2,790 |
| Additional noninterest expense | $1,509,000 | 2,607 |
| Pre-tax net operating income | $3,773,000 | 1,753 |
| Securities gains (losses) | $-1,000 | 7,322 |
| Applicable income taxes | $752,000 | 1,986 |
| Income before extraordinary items | $3,020,000 | 1,678 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,020,000 | 1,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,409 |
| Cash dividends | $1,849,000 | 1,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,020,800 | 1,663 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,948,000 | 2,327 |
| Total interest expense | $4,288,000 | 2,203 |
| Net interest income | $4,660,000 | 2,426 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $862,000 | 2,456 |
| Gross Fiduciary activities income | $231,000 | 613 |
| Service charges on deposit accounts | $305,000 | 2,615 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $326,000 | 2,890 |
| Total noninterest expense | $3,117,000 | 2,870 |
| Salaries and employee benefits | $1,656,000 | 2,981 |
| Premises and equipment expense | $452,000 | 2,807 |
| Additional noninterest expense | $1,009,000 | 2,609 |
| Pre-tax net operating income | $2,405,000 | 1,868 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $464,000 | 2,176 |
| Income before extraordinary items | $1,941,000 | 1,781 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,941,000 | 1,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 989 |
| Cash dividends | $892,000 | 1,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,941,000 | 1,770 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,386,000 | 2,370 |
| Total interest expense | $2,094,000 | 2,236 |
| Net interest income | $2,292,000 | 2,465 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $425,000 | 2,452 |
| Gross Fiduciary activities income | $133,000 | 596 |
| Service charges on deposit accounts | $155,000 | 2,538 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $137,000 | 3,179 |
| Total noninterest expense | $1,543,000 | 2,903 |
| Salaries and employee benefits | $804,000 | 3,070 |
| Premises and equipment expense | $230,000 | 2,784 |
| Additional noninterest expense | $509,000 | 2,580 |
| Pre-tax net operating income | $1,174,000 | 1,893 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $231,000 | 2,194 |
| Income before extraordinary items | $943,000 | 1,807 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $943,000 | 1,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 547 |
| Cash dividends | $443,000 | 1,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $943,000 | 1,797 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,822,000 | 2,323 |
| Total interest expense | $7,686,000 | 2,112 |
| Net interest income | $9,136,000 | 2,481 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,617,000 | 2,572 |
| Gross Fiduciary activities income | $341,000 | 680 |
| Service charges on deposit accounts | $693,000 | 2,391 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $583,000 | 3,070 |
| Total noninterest expense | $6,361,000 | 2,740 |
| Salaries and employee benefits | $3,227,000 | 2,930 |
| Premises and equipment expense | $965,000 | 2,559 |
| Additional noninterest expense | $2,169,000 | 2,384 |
| Pre-tax net operating income | $4,392,000 | 2,088 |
| Securities gains (losses) | $30,000 | 801 |
| Applicable income taxes | $672,000 | 2,725 |
| Income before extraordinary items | $3,750,000 | 1,895 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,750,000 | 1,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,172 |
| Cash dividends | $2,686,000 | 1,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,724,500 | 1,892 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,440,000 | 2,334 |
| Total interest expense | $5,619,000 | 2,105 |
| Net interest income | $6,821,000 | 2,515 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,195,000 | 2,608 |
| Gross Fiduciary activities income | $250,000 | 682 |
| Service charges on deposit accounts | $523,000 | 2,386 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $422,000 | 3,127 |
| Total noninterest expense | $4,657,000 | 2,794 |
| Salaries and employee benefits | $2,320,000 | 3,031 |
| Premises and equipment expense | $759,000 | 2,443 |
| Additional noninterest expense | $1,578,000 | 2,435 |
| Pre-tax net operating income | $3,359,000 | 2,128 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $500,000 | 2,872 |
| Income before extraordinary items | $2,859,000 | 1,911 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,859,000 | 1,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,767 |
| Cash dividends | $1,971,000 | 1,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,859,000 | 1,898 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,034,000 | 2,364 |
| Total interest expense | $3,594,000 | 2,085 |
| Net interest income | $4,440,000 | 2,572 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $781,000 | 2,634 |
| Gross Fiduciary activities income | $167,000 | 683 |
| Service charges on deposit accounts | $348,000 | 2,363 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $266,000 | 3,222 |
| Total noninterest expense | $2,972,000 | 2,897 |
| Salaries and employee benefits | $1,562,000 | 3,030 |
| Premises and equipment expense | $399,000 | 3,006 |
| Additional noninterest expense | $1,011,000 | 2,534 |
| Pre-tax net operating income | $2,249,000 | 2,118 |
| Securities gains (losses) | $1,000 | 1,053 |
| Applicable income taxes | $320,000 | 2,952 |
| Income before extraordinary items | $1,930,000 | 1,897 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,930,000 | 1,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,446 |
| Cash dividends | $1,029,000 | 1,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,929,140 | 1,881 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,911,000 | 2,373 |
| Total interest expense | $1,734,000 | 2,063 |
| Net interest income | $2,177,000 | 2,596 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $347,000 | 2,806 |
| Gross Fiduciary activities income | $82,000 | 696 |
| Service charges on deposit accounts | $176,000 | 2,265 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $89,000 | 3,937 |
| Total noninterest expense | $1,420,000 | 3,021 |
| Salaries and employee benefits | $757,000 | 3,119 |
| Premises and equipment expense | $192,000 | 3,117 |
| Additional noninterest expense | $471,000 | 2,677 |
| Pre-tax net operating income | $1,104,000 | 2,110 |
| Securities gains (losses) | $1,000 | 856 |
| Applicable income taxes | $143,000 | 3,105 |
| Income before extraordinary items | $962,000 | 1,861 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $962,000 | 1,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $319,000 | 1,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $961,130 | 1,844 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,760,000 | 2,246 |
| Total interest expense | $5,820,000 | 1,937 |
| Net interest income | $8,940,000 | 2,451 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $1,512,000 | 2,677 |
| Gross Fiduciary activities income | $355,000 | 660 |
| Service charges on deposit accounts | $713,000 | 2,310 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $444,000 | 3,589 |
| Total noninterest expense | $5,809,000 | 2,827 |
| Salaries and employee benefits | $2,911,000 | 3,050 |
| Premises and equipment expense | $730,000 | 3,135 |
| Additional noninterest expense | $2,168,000 | 2,309 |
| Pre-tax net operating income | $4,343,000 | 2,092 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $557,000 | 3,187 |
| Income before extraordinary items | $3,790,000 | 1,819 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,790,000 | 1,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,235 |
| Cash dividends | $2,955,000 | 1,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,786,520 | 1,793 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,895,000 | 2,230 |
| Total interest expense | $4,073,000 | 1,956 |
| Net interest income | $6,822,000 | 2,400 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $1,090,000 | 2,737 |
| Gross Fiduciary activities income | $254,000 | 663 |
| Service charges on deposit accounts | $512,000 | 2,396 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $324,000 | 3,664 |
| Total noninterest expense | $4,058,000 | 2,989 |
| Salaries and employee benefits | $2,067,000 | 3,184 |
| Premises and equipment expense | $551,000 | 3,086 |
| Additional noninterest expense | $1,440,000 | 2,558 |
| Pre-tax net operating income | $3,629,000 | 1,927 |
| Securities gains (losses) | $3,000 | 1,906 |
| Applicable income taxes | $575,000 | 2,712 |
| Income before extraordinary items | $3,057,000 | 1,725 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,057,000 | 1,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,701 |
| Cash dividends | $2,219,000 | 970 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,054,480 | 1,695 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,075,000 | 2,232 |
| Total interest expense | $2,496,000 | 1,992 |
| Net interest income | $4,579,000 | 2,364 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $697,000 | 2,779 |
| Gross Fiduciary activities income | $174,000 | 664 |
| Service charges on deposit accounts | $332,000 | 2,415 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $191,000 | 3,839 |
| Total noninterest expense | $2,702,000 | 2,980 |
| Salaries and employee benefits | $1,368,000 | 3,180 |
| Premises and equipment expense | $362,000 | 3,101 |
| Additional noninterest expense | $972,000 | 2,508 |
| Pre-tax net operating income | $2,424,000 | 1,889 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $396,000 | 2,629 |
| Income before extraordinary items | $2,028,000 | 1,686 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,028,000 | 1,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 2,418 |
| Cash dividends | $1,469,000 | 955 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,028,000 | 1,660 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,447,000 | 2,239 |
| Total interest expense | $1,105,000 | 2,129 |
| Net interest income | $2,342,000 | 2,291 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $318,000 | 2,919 |
| Gross Fiduciary activities income | $86,000 | 676 |
| Service charges on deposit accounts | $160,000 | 2,428 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $72,000 | 4,397 |
| Total noninterest expense | $1,281,000 | 3,133 |
| Salaries and employee benefits | $654,000 | 3,305 |
| Premises and equipment expense | $182,000 | 3,111 |
| Additional noninterest expense | $445,000 | 2,716 |
| Pre-tax net operating income | $1,304,000 | 1,754 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $236,000 | 2,352 |
| Income before extraordinary items | $1,068,000 | 1,575 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,068,000 | 1,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $716,000 | 895 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,068,000 | 1,552 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,544,000 | 2,114 |
| Total interest expense | $3,804,000 | 2,139 |
| Net interest income | $9,740,000 | 2,087 |
| Provision for loan and lease losses | $900,000 | 1,146 |
| Total noninterest income | $1,417,000 | 2,790 |
| Gross Fiduciary activities income | $373,000 | 643 |
| Service charges on deposit accounts | $668,000 | 2,483 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $376,000 | 3,822 |
| Total noninterest expense | $5,267,000 | 2,964 |
| Salaries and employee benefits | $2,617,000 | 3,224 |
| Premises and equipment expense | $722,000 | 3,052 |
| Additional noninterest expense | $1,928,000 | 2,510 |
| Pre-tax net operating income | $4,990,000 | 1,703 |
| Securities gains (losses) | $-2,000 | 7,892 |
| Applicable income taxes | $852,000 | 2,419 |
| Income before extraordinary items | $4,136,000 | 1,562 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,136,000 | 1,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $407,000 | 1,575 |
| Cash dividends | $3,094,000 | 945 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,137,660 | 1,518 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,103,000 | 2,087 |
| Total interest expense | $2,771,000 | 2,157 |
| Net interest income | $7,332,000 | 2,058 |
| Provision for loan and lease losses | $750,000 | 1,009 |
| Total noninterest income | $1,076,000 | 2,782 |
| Gross Fiduciary activities income | $287,000 | 640 |
| Service charges on deposit accounts | $493,000 | 2,527 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $296,000 | 3,750 |
| Total noninterest expense | $3,793,000 | 3,050 |
| Salaries and employee benefits | $1,859,000 | 3,347 |
| Premises and equipment expense | $546,000 | 3,022 |
| Additional noninterest expense | $1,388,000 | 2,552 |
| Pre-tax net operating income | $3,865,000 | 1,670 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $688,000 | 2,344 |
| Income before extraordinary items | $3,175,000 | 1,530 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,175,000 | 1,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 1,368 |
| Cash dividends | $2,287,000 | 865 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,176,640 | 1,486 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,694,000 | 2,090 |
| Total interest expense | $1,820,000 | 2,159 |
| Net interest income | $4,874,000 | 2,052 |
| Provision for loan and lease losses | $600,000 | 825 |
| Total noninterest income | $707,000 | 2,817 |
| Gross Fiduciary activities income | $211,000 | 625 |
| Service charges on deposit accounts | $332,000 | 2,505 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $164,000 | 4,138 |
| Total noninterest expense | $2,536,000 | 3,046 |
| Salaries and employee benefits | $1,258,000 | 3,313 |
| Premises and equipment expense | $345,000 | 3,175 |
| Additional noninterest expense | $933,000 | 2,547 |
| Pre-tax net operating income | $2,445,000 | 1,725 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $406,000 | 2,529 |
| Income before extraordinary items | $2,039,000 | 1,576 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,039,000 | 1,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 1,436 |
| Cash dividends | $1,501,000 | 881 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,039,000 | 1,520 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,381,000 | 2,071 |
| Total interest expense | $934,000 | 2,141 |
| Net interest income | $2,447,000 | 2,045 |
| Provision for loan and lease losses | $300,000 | 782 |
| Total noninterest income | $338,000 | 2,854 |
| Gross Fiduciary activities income | $133,000 | 559 |
| Service charges on deposit accounts | $162,000 | 2,518 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $43,000 | 5,417 |
| Total noninterest expense | $1,240,000 | 3,124 |
| Salaries and employee benefits | $607,000 | 3,423 |
| Premises and equipment expense | $173,000 | 3,191 |
| Additional noninterest expense | $460,000 | 2,558 |
| Pre-tax net operating income | $1,245,000 | 1,664 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $216,000 | 2,444 |
| Income before extraordinary items | $1,029,000 | 1,551 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,029,000 | 1,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 1,032 |
| Cash dividends | $732,000 | 885 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,029,000 | 1,467 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,611,000 | 1,944 |
| Total interest expense | $4,492,000 | 1,990 |
| Net interest income | $10,119,000 | 1,928 |
| Provision for loan and lease losses | $1,542,000 | 803 |
| Total noninterest income | $1,620,000 | 2,673 |
| Gross Fiduciary activities income | $365,000 | 652 |
| Service charges on deposit accounts | $778,000 | 2,161 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $477,000 | 3,661 |
| Total noninterest expense | $5,063,000 | 3,018 |
| Salaries and employee benefits | $2,302,000 | 3,496 |
| Premises and equipment expense | $693,000 | 3,109 |
| Additional noninterest expense | $2,068,000 | 2,333 |
| Pre-tax net operating income | $5,134,000 | 1,578 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $784,000 | 2,576 |
| Income before extraordinary items | $4,352,000 | 1,446 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,352,000 | 1,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,744,000 | 610 |
| Cash dividends | $7,116,000 | 480 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,350,300 | 1,385 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,044,000 | 1,957 |
| Total interest expense | $3,528,000 | 1,984 |
| Net interest income | $7,516,000 | 1,955 |
| Provision for loan and lease losses | $1,242,000 | 746 |
| Total noninterest income | $1,217,000 | 2,749 |
| Gross Fiduciary activities income | $253,000 | 679 |
| Service charges on deposit accounts | $592,000 | 2,161 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $372,000 | 3,663 |
| Total noninterest expense | $3,673,000 | 3,094 |
| Salaries and employee benefits | $1,650,000 | 3,607 |
| Premises and equipment expense | $523,000 | 3,103 |
| Additional noninterest expense | $1,500,000 | 2,395 |
| Pre-tax net operating income | $3,818,000 | 1,651 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $583,000 | 2,729 |
| Income before extraordinary items | $3,237,000 | 1,515 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,237,000 | 1,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,678,000 | 498 |
| Cash dividends | $2,079,000 | 978 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,235,300 | 1,445 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,411,000 | 1,960 |
| Total interest expense | $2,484,000 | 1,934 |
| Net interest income | $4,927,000 | 1,988 |
| Provision for loan and lease losses | $942,000 | 668 |
| Total noninterest income | $843,000 | 2,646 |
| Gross Fiduciary activities income | $162,000 | 688 |
| Service charges on deposit accounts | $390,000 | 2,143 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $291,000 | 3,352 |
| Total noninterest expense | $2,412,000 | 3,140 |
| Salaries and employee benefits | $1,079,000 | 3,674 |
| Premises and equipment expense | $341,000 | 3,151 |
| Additional noninterest expense | $992,000 | 2,383 |
| Pre-tax net operating income | $2,416,000 | 1,735 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $365,000 | 2,879 |
| Income before extraordinary items | $2,053,000 | 1,577 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,053,000 | 1,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,041,000 | 512 |
| Cash dividends | $1,227,000 | 1,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,051,300 | 1,474 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,688,000 | 1,980 |
| Total interest expense | $1,307,000 | 1,889 |
| Net interest income | $2,381,000 | 2,051 |
| Provision for loan and lease losses | $562,000 | 578 |
| Total noninterest income | $401,000 | 2,672 |
| Gross Fiduciary activities income | $54,000 | 796 |
| Service charges on deposit accounts | $186,000 | 2,154 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $161,000 | 3,086 |
| Total noninterest expense | $1,212,000 | 3,108 |
| Salaries and employee benefits | $535,000 | 3,695 |
| Premises and equipment expense | $170,000 | 3,154 |
| Additional noninterest expense | $507,000 | 2,303 |
| Pre-tax net operating income | $1,008,000 | 2,027 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $101,000 | 3,916 |
| Income before extraordinary items | $907,000 | 1,752 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $907,000 | 1,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $551,000 | 458 |
| Cash dividends | $503,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $907,000 | 1,635 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,947,000 | 1,929 |
| Total interest expense | $6,094,000 | 1,873 |
| Net interest income | $9,853,000 | 1,962 |
| Provision for loan and lease losses | $1,200,000 | 1,132 |
| Total noninterest income | $1,829,000 | 2,297 |
| Gross Fiduciary activities income | $306,000 | 707 |
| Service charges on deposit accounts | $772,000 | 2,068 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $751,000 | 2,602 |
| Total noninterest expense | $4,946,000 | 2,953 |
| Salaries and employee benefits | $2,303,000 | 3,348 |
| Premises and equipment expense | $721,000 | 2,928 |
| Additional noninterest expense | $1,922,000 | 2,400 |
| Pre-tax net operating income | $5,536,000 | 1,494 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,099,000 | 2,066 |
| Income before extraordinary items | $4,437,000 | 1,399 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,437,000 | 1,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,030,000 | 948 |
| Cash dividends | $3,255,000 | 860 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,437,000 | 1,351 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,952,000 | 1,912 |
| Total interest expense | $9,059,000 | 1,792 |
| Net interest income | $8,893,000 | 2,007 |
| Provision for loan and lease losses | $580,000 | 1,959 |
| Total noninterest income | $1,740,000 | 2,254 |
| Gross Fiduciary activities income | $340,000 | 693 |
| Service charges on deposit accounts | $798,000 | 1,904 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $602,000 | 2,824 |
| Total noninterest expense | $4,568,000 | 3,049 |
| Salaries and employee benefits | $2,236,000 | 3,275 |
| Premises and equipment expense | $664,000 | 3,083 |
| Additional noninterest expense | $1,668,000 | 2,619 |
| Pre-tax net operating income | $5,485,000 | 1,340 |
| Securities gains (losses) | $63,000 | 2,155 |
| Applicable income taxes | $1,237,000 | 1,767 |
| Income before extraordinary items | $4,311,000 | 1,259 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,311,000 | 1,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $537,000 | 1,481 |
| Cash dividends | $3,142,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,261,860 | 1,229 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,784,000 | 1,982 |
| Total interest expense | $9,281,000 | 1,863 |
| Net interest income | $8,503,000 | 2,084 |
| Provision for loan and lease losses | $480,000 | 1,938 |
| Total noninterest income | $1,667,000 | 2,160 |
| Gross Fiduciary activities income | $327,000 | 703 |
| Service charges on deposit accounts | $781,000 | 1,775 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $559,000 | 2,754 |
| Total noninterest expense | $4,431,000 | 3,040 |
| Salaries and employee benefits | $2,238,000 | 3,138 |
| Premises and equipment expense | $628,000 | 3,139 |
| Additional noninterest expense | $1,565,000 | 2,706 |
| Pre-tax net operating income | $5,259,000 | 1,408 |
| Securities gains (losses) | $-68,000 | 9,301 |
| Applicable income taxes | $1,147,000 | 1,888 |
| Income before extraordinary items | $4,044,000 | 1,299 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,044,000 | 1,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 1,440 |
| Cash dividends | $5,000,000 | 620 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,097,040 | 1,275 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $16,692,000 | 1,949 |
| Total interest expense | $8,093,000 | 1,840 |
| Net interest income | $8,599,000 | 2,055 |
| Provision for loan and lease losses | $480,000 | 1,826 |
| Total noninterest income | $1,486,000 | 2,324 |
| Gross Fiduciary activities income | $290,000 | 779 |
| Service charges on deposit accounts | $658,000 | 2,017 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $538,000 | 2,824 |
| Total noninterest expense | $4,438,000 | 3,023 |
| Salaries and employee benefits | $2,262,000 | 3,075 |
| Premises and equipment expense | $600,000 | 3,254 |
| Additional noninterest expense | $1,576,000 | 2,749 |
| Pre-tax net operating income | $5,167,000 | 1,466 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,235,000 | 1,867 |
| Income before extraordinary items | $3,932,000 | 1,369 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,932,000 | 1,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,617 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,932,000 | 1,349 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,277,000 | 1,994 |
| Total interest expense | $8,066,000 | 1,894 |
| Net interest income | $8,211,000 | 2,078 |
| Provision for loan and lease losses | $480,000 | 1,770 |
| Total noninterest income | $1,441,000 | 2,332 |
| Gross Fiduciary activities income | $323,000 | 760 |
| Service charges on deposit accounts | $544,000 | 2,368 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $574,000 | 2,722 |
| Total noninterest expense | $4,384,000 | 2,960 |
| Salaries and employee benefits | $2,196,000 | 3,054 |
| Premises and equipment expense | $553,000 | 3,415 |
| Additional noninterest expense | $1,635,000 | 2,560 |
| Pre-tax net operating income | $4,788,000 | 1,539 |
| Securities gains (losses) | $-18,000 | 10,273 |
| Applicable income taxes | $1,267,000 | 1,891 |
| Income before extraordinary items | $3,503,000 | 1,505 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,503,000 | 1,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,384 |
| Cash dividends | $2,602,000 | 1,084 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,516,140 | 1,439 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,037,000 | 2,171 |
| Total interest expense | $7,246,000 | 2,095 |
| Net interest income | $7,791,000 | 2,263 |
| Provision for loan and lease losses | $340,000 | 2,366 |
| Total noninterest income | $1,119,000 | 2,786 |
| Gross Fiduciary activities income | $244,000 | 854 |
| Service charges on deposit accounts | $485,000 | 2,703 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $390,000 | 3,337 |
| Total noninterest expense | $3,928,000 | 3,231 |
| Salaries and employee benefits | $2,051,000 | 3,231 |
| Premises and equipment expense | $479,000 | 3,851 |
| Additional noninterest expense | $1,398,000 | 2,917 |
| Pre-tax net operating income | $4,642,000 | 1,660 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $1,373,000 | 1,848 |
| Income before extraordinary items | $3,272,000 | 1,650 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,272,000 | 1,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 1,872 |
| Cash dividends | $2,402,000 | 1,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,269,900 | 1,612 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,136,000 | 2,361 |
| Total interest expense | $6,838,000 | 2,264 |
| Net interest income | $7,298,000 | 2,455 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $1,056,000 | 2,996 |
| Gross Fiduciary activities income | $202,000 | 962 |
| Service charges on deposit accounts | $480,000 | 2,822 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $374,000 | 3,527 |
| Total noninterest expense | $3,519,000 | 3,755 |
| Salaries and employee benefits | $1,833,000 | 3,611 |
| Premises and equipment expense | $360,000 | 4,921 |
| Additional noninterest expense | $1,326,000 | 3,462 |
| Pre-tax net operating income | $4,595,000 | 1,582 |
| Securities gains (losses) | $-26,000 | 10,772 |
| Applicable income taxes | $1,370,000 | 1,747 |
| Income before extraordinary items | $3,199,000 | 1,550 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,199,000 | 1,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,872 |
| Cash dividends | $1,597,000 | 1,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,217,200 | 1,511 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,731,000 | 2,630 |
| Total interest expense | $6,677,000 | 2,327 |
| Net interest income | $6,054,000 | 2,940 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $1,242,000 | 2,639 |
| Gross Fiduciary activities income | $143,000 | 1,083 |
| Service charges on deposit accounts | $457,000 | 2,963 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $642,000 | 2,431 |
| Total noninterest expense | $3,607,000 | 3,634 |
| Salaries and employee benefits | $1,763,000 | 3,714 |
| Premises and equipment expense | $513,000 | 3,679 |
| Additional noninterest expense | $1,331,000 | 3,417 |
| Pre-tax net operating income | $3,569,000 | 2,062 |
| Securities gains (losses) | $-121,000 | 11,560 |
| Applicable income taxes | $718,000 | 3,174 |
| Income before extraordinary items | $2,730,000 | 1,844 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,730,000 | 1,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,770 |
| Cash dividends | $1,361,000 | 1,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,825,590 | 1,768 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,361,000 | 2,671 |
| Total interest expense | $4,976,000 | 2,473 |
| Net interest income | $6,385,000 | 2,837 |
| Provision for loan and lease losses | $80,000 | 5,022 |
| Total noninterest income | $871,000 | 3,447 |
| Gross Fiduciary activities income | $122,000 | 1,134 |
| Service charges on deposit accounts | $440,000 | 3,111 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $309,000 | 4,007 |
| Total noninterest expense | $3,357,000 | 3,989 |
| Salaries and employee benefits | $1,664,000 | 3,901 |
| Premises and equipment expense | $320,000 | 5,433 |
| Additional noninterest expense | $1,373,000 | 3,593 |
| Pre-tax net operating income | $3,819,000 | 1,861 |
| Securities gains (losses) | $15,000 | 1,966 |
| Applicable income taxes | $1,000,000 | 2,242 |
| Income before extraordinary items | $2,834,000 | 1,737 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,834,000 | 1,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 11,188 |
| Cash dividends | $6,100,000 | 489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,822,900 | 1,737 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,969,000 | 2,579 |
| Total interest expense | $4,847,000 | 2,646 |
| Net interest income | $7,122,000 | 2,519 |
| Provision for loan and lease losses | $180,000 | 4,132 |
| Total noninterest income | $1,056,000 | 3,204 |
| Gross Fiduciary activities income | $115,000 | 1,183 |
| Service charges on deposit accounts | $444,000 | 3,136 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $497,000 | 3,281 |
| Total noninterest expense | $3,302,000 | 4,125 |
| Salaries and employee benefits | $1,465,000 | 4,368 |
| Premises and equipment expense | $370,000 | 5,020 |
| Additional noninterest expense | $1,467,000 | 3,572 |
| Pre-tax net operating income | $4,696,000 | 1,495 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,341,000 | 1,739 |
| Income before extraordinary items | $3,355,000 | 1,508 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,355,000 | 1,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,874 |
| Cash dividends | $2,050,000 | 983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,355,000 | 1,422 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,373,000 | 2,637 |
| Total interest expense | $6,169,000 | 2,706 |
| Net interest income | $7,204,000 | 2,523 |
| Provision for loan and lease losses | $240,000 | 4,686 |
| Total noninterest income | $903,000 | 3,606 |
| Gross Fiduciary activities income | $115,000 | 1,220 |
| Service charges on deposit accounts | $347,000 | 3,946 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $441,000 | 3,483 |
| Total noninterest expense | $3,008,000 | 4,520 |
| Salaries and employee benefits | $1,356,000 | 4,639 |
| Premises and equipment expense | $348,000 | 5,395 |
| Additional noninterest expense | $1,304,000 | 4,028 |
| Pre-tax net operating income | $4,859,000 | 1,307 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,226,000 | 1,720 |
| Income before extraordinary items | $3,633,000 | 1,286 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,633,000 | 1,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 6,549 |
| Cash dividends | $1,950,000 | 879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,633,000 | 1,187 |
* 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.