Home > First State Bank > Income and Expense
First State Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,569,000 | 6,443 |
| Total interest expense | $202,000 | 6,759 |
| Net interest income | $1,367,000 | 6,293 |
| Provision for loan and lease losses | $28,000 | 5,855 |
| Total noninterest income | $244,000 | 5,161 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $149,000 | 4,415 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $95,000 | 5,152 |
| Total noninterest expense | $1,079,000 | 6,414 |
| Salaries and employee benefits | $632,000 | 6,188 |
| Premises and equipment expense | $97,000 | 6,629 |
| Additional noninterest expense | $350,000 | 6,418 |
| Pre-tax net operating income | $504,000 | 4,467 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $164,000 | 2,840 |
| Income before extraordinary items | $340,000 | 4,891 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $340,000 | 4,892 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $340,000 | 4,892 |
| Net charge-offs | $51,000 | 4,964 |
| Cash dividends | $192,000 | 2,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $340,000 | 4,772 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,046,000 | 6,503 |
| Total interest expense | $138,000 | 6,823 |
| Net interest income | $908,000 | 6,341 |
| Provision for loan and lease losses | $19,000 | 5,755 |
| Total noninterest income | $164,000 | 5,164 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $99,000 | 4,407 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $65,000 | 5,176 |
| Total noninterest expense | $719,000 | 6,480 |
| Salaries and employee benefits | $428,000 | 6,225 |
| Premises and equipment expense | $66,000 | 6,661 |
| Additional noninterest expense | $225,000 | 6,531 |
| Pre-tax net operating income | $334,000 | 4,467 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $109,000 | 2,801 |
| Income before extraordinary items | $225,000 | 4,852 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $225,000 | 4,851 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $225,000 | 4,852 |
| Net charge-offs | $39,000 | 4,649 |
| Cash dividends | $96,000 | 2,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $225,000 | 4,763 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $522,000 | 6,552 |
| Total interest expense | $70,000 | 6,889 |
| Net interest income | $452,000 | 6,368 |
| Provision for loan and lease losses | $10,000 | 5,371 |
| Total noninterest income | $81,000 | 5,264 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $48,000 | 4,430 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $33,000 | 5,265 |
| Total noninterest expense | $372,000 | 6,478 |
| Salaries and employee benefits | $222,000 | 6,196 |
| Premises and equipment expense | $33,000 | 6,698 |
| Additional noninterest expense | $117,000 | 6,538 |
| Pre-tax net operating income | $151,000 | 4,631 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $49,000 | 2,843 |
| Income before extraordinary items | $102,000 | 4,983 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $102,000 | 4,981 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $102,000 | 4,983 |
| Net charge-offs | $41,000 | 3,512 |
| Cash dividends | $96,000 | 1,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $102,000 | 4,922 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,212,000 | 6,576 |
| Total interest expense | $370,000 | 6,868 |
| Net interest income | $1,842,000 | 6,385 |
| Provision for loan and lease losses | $56,000 | 6,426 |
| Total noninterest income | $344,000 | 5,186 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $229,000 | 4,175 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $115,000 | 5,271 |
| Total noninterest expense | $1,434,000 | 6,599 |
| Salaries and employee benefits | $846,000 | 6,347 |
| Premises and equipment expense | $146,000 | 6,665 |
| Additional noninterest expense | $442,000 | 6,684 |
| Pre-tax net operating income | $696,000 | 3,922 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $227,000 | 2,620 |
| Income before extraordinary items | $469,000 | 4,398 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $469,000 | 4,401 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $469,000 | 4,400 |
| Net charge-offs | $46,000 | 5,956 |
| Cash dividends | $192,000 | 3,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $469,000 | 4,268 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,660,000 | 6,681 |
| Total interest expense | $290,000 | 6,959 |
| Net interest income | $1,370,000 | 6,489 |
| Provision for loan and lease losses | $37,000 | 6,444 |
| Total noninterest income | $259,000 | 5,275 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $173,000 | 4,224 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $86,000 | 5,387 |
| Total noninterest expense | $1,083,000 | 6,639 |
| Salaries and employee benefits | $633,000 | 6,395 |
| Premises and equipment expense | $112,000 | 6,710 |
| Additional noninterest expense | $338,000 | 6,722 |
| Pre-tax net operating income | $509,000 | 4,186 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $166,000 | 2,722 |
| Income before extraordinary items | $343,000 | 4,686 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $343,000 | 4,689 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $343,000 | 4,689 |
| Net charge-offs | $41,000 | 5,650 |
| Cash dividends | $192,000 | 2,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $343,000 | 4,494 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,110,000 | 6,728 |
| Total interest expense | $202,000 | 7,004 |
| Net interest income | $908,000 | 6,534 |
| Provision for loan and lease losses | $18,000 | 6,448 |
| Total noninterest income | $174,000 | 5,256 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $115,000 | 4,223 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $59,000 | 5,402 |
| Total noninterest expense | $721,000 | 6,681 |
| Salaries and employee benefits | $426,000 | 6,420 |
| Premises and equipment expense | $73,000 | 6,788 |
| Additional noninterest expense | $222,000 | 6,776 |
| Pre-tax net operating income | $343,000 | 4,211 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $112,000 | 2,683 |
| Income before extraordinary items | $231,000 | 4,690 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $231,000 | 4,690 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $231,000 | 4,690 |
| Net charge-offs | $27,000 | 5,335 |
| Cash dividends | $96,000 | 2,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $231,000 | 4,542 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $558,000 | 6,797 |
| Total interest expense | $106,000 | 7,074 |
| Net interest income | $452,000 | 6,598 |
| Provision for loan and lease losses | $9,000 | 6,179 |
| Total noninterest income | $87,000 | 5,274 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $55,000 | 4,301 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $32,000 | 5,362 |
| Total noninterest expense | $364,000 | 6,750 |
| Salaries and employee benefits | $217,000 | 6,460 |
| Premises and equipment expense | $38,000 | 6,814 |
| Additional noninterest expense | $109,000 | 6,877 |
| Pre-tax net operating income | $166,000 | 4,384 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $54,000 | 2,732 |
| Income before extraordinary items | $112,000 | 4,824 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $112,000 | 4,824 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $112,000 | 4,823 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $96,000 | 1,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $112,000 | 4,720 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,317,000 | 6,819 |
| Total interest expense | $514,000 | 7,098 |
| Net interest income | $1,803,000 | 6,563 |
| Provision for loan and lease losses | $45,000 | 6,900 |
| Total noninterest income | $324,000 | 5,488 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $223,000 | 4,440 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $101,000 | 5,633 |
| Total noninterest expense | $1,430,000 | 6,889 |
| Salaries and employee benefits | $797,000 | 6,714 |
| Premises and equipment expense | $159,000 | 6,852 |
| Additional noninterest expense | $474,000 | 6,867 |
| Pre-tax net operating income | $652,000 | 3,653 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $216,000 | 2,318 |
| Income before extraordinary items | $436,000 | 4,056 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $436,000 | 4,055 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $436,000 | 4,055 |
| Net charge-offs | $40,000 | 6,338 |
| Cash dividends | $192,000 | 3,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $436,000 | 3,981 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,739,000 | 6,904 |
| Total interest expense | $397,000 | 7,178 |
| Net interest income | $1,342,000 | 6,622 |
| Provision for loan and lease losses | $27,000 | 6,827 |
| Total noninterest income | $237,000 | 5,599 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $162,000 | 4,524 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $75,000 | 5,778 |
| Total noninterest expense | $1,063,000 | 6,928 |
| Salaries and employee benefits | $602,000 | 6,728 |
| Premises and equipment expense | $117,000 | 6,923 |
| Additional noninterest expense | $344,000 | 6,948 |
| Pre-tax net operating income | $489,000 | 3,925 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $163,000 | 2,503 |
| Income before extraordinary items | $326,000 | 4,317 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $326,000 | 4,313 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $326,000 | 4,316 |
| Net charge-offs | $27,000 | 6,096 |
| Cash dividends | $192,000 | 3,123 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $326,000 | 4,255 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,166,000 | 6,964 |
| Total interest expense | $275,000 | 7,247 |
| Net interest income | $891,000 | 6,645 |
| Provision for loan and lease losses | $18,000 | 6,728 |
| Total noninterest income | $155,000 | 5,655 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $104,000 | 4,585 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $51,000 | 5,818 |
| Total noninterest expense | $698,000 | 7,010 |
| Salaries and employee benefits | $407,000 | 6,770 |
| Premises and equipment expense | $73,000 | 7,077 |
| Additional noninterest expense | $218,000 | 7,060 |
| Pre-tax net operating income | $330,000 | 4,010 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $110,000 | 2,544 |
| Income before extraordinary items | $220,000 | 4,420 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $220,000 | 4,417 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $220,000 | 4,417 |
| Net charge-offs | $-10,000 | 7,898 |
| Cash dividends | $96,000 | 3,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $220,000 | 4,304 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $583,000 | 7,014 |
| Total interest expense | $145,000 | 7,266 |
| Net interest income | $438,000 | 6,682 |
| Provision for loan and lease losses | $9,000 | 6,357 |
| Total noninterest income | $77,000 | 5,658 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $50,000 | 4,615 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $27,000 | 5,783 |
| Total noninterest expense | $350,000 | 7,003 |
| Salaries and employee benefits | $206,000 | 6,790 |
| Premises and equipment expense | $36,000 | 7,140 |
| Additional noninterest expense | $108,000 | 6,969 |
| Pre-tax net operating income | $156,000 | 4,440 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $53,000 | 2,828 |
| Income before extraordinary items | $103,000 | 4,918 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $103,000 | 4,922 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $103,000 | 4,921 |
| Net charge-offs | $-16,000 | 7,951 |
| Cash dividends | $96,000 | 2,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $103,000 | 4,753 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,455,000 | 7,025 |
| Total interest expense | $676,000 | 7,364 |
| Net interest income | $1,779,000 | 6,666 |
| Provision for loan and lease losses | $39,000 | 6,732 |
| Total noninterest income | $333,000 | 5,653 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $237,000 | 4,471 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $96,000 | 5,974 |
| Total noninterest expense | $1,317,000 | 7,135 |
| Salaries and employee benefits | $780,000 | 6,963 |
| Premises and equipment expense | $141,000 | 7,215 |
| Additional noninterest expense | $396,000 | 7,062 |
| Pre-tax net operating income | $756,000 | 4,270 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $262,000 | 2,546 |
| Income before extraordinary items | $494,000 | 4,480 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $494,000 | 4,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,961 |
| Cash dividends | $192,000 | 4,561 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $494,000 | 4,635 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,855,000 | 7,084 |
| Total interest expense | $521,000 | 7,444 |
| Net interest income | $1,334,000 | 6,711 |
| Provision for loan and lease losses | $15,000 | 6,618 |
| Total noninterest income | $255,000 | 5,694 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $181,000 | 4,464 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $74,000 | 6,057 |
| Total noninterest expense | $966,000 | 7,164 |
| Salaries and employee benefits | $560,000 | 7,051 |
| Premises and equipment expense | $107,000 | 7,267 |
| Additional noninterest expense | $299,000 | 7,058 |
| Pre-tax net operating income | $608,000 | 4,622 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $211,000 | 2,847 |
| Income before extraordinary items | $397,000 | 4,806 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $397,000 | 4,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,807 |
| Cash dividends | $192,000 | 3,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $397,000 | 4,965 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,235,000 | 7,158 |
| Total interest expense | $356,000 | 7,524 |
| Net interest income | $879,000 | 6,762 |
| Provision for loan and lease losses | $9,000 | 6,362 |
| Total noninterest income | $162,000 | 5,840 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $110,000 | 4,655 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $52,000 | 6,079 |
| Total noninterest expense | $640,000 | 7,234 |
| Salaries and employee benefits | $373,000 | 7,102 |
| Premises and equipment expense | $72,000 | 7,303 |
| Additional noninterest expense | $195,000 | 7,105 |
| Pre-tax net operating income | $392,000 | 4,833 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $133,000 | 3,154 |
| Income before extraordinary items | $259,000 | 5,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $259,000 | 5,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,182 |
| Cash dividends | $96,000 | 4,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $259,000 | 5,157 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $620,000 | 7,238 |
| Total interest expense | $182,000 | 7,615 |
| Net interest income | $438,000 | 6,829 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $81,000 | 5,841 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $65,000 | 4,287 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $16,000 | 6,737 |
| Total noninterest expense | $326,000 | 7,240 |
| Salaries and employee benefits | $187,000 | 7,121 |
| Premises and equipment expense | $38,000 | 7,235 |
| Additional noninterest expense | $101,000 | 7,042 |
| Pre-tax net operating income | $193,000 | 5,019 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $65,000 | 3,297 |
| Income before extraordinary items | $128,000 | 5,476 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $128,000 | 5,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $96,000 | 2,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $128,000 | 5,379 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,498,000 | 7,207 |
| Total interest expense | $806,000 | 7,491 |
| Net interest income | $1,692,000 | 6,888 |
| Provision for loan and lease losses | $38,000 | 5,914 |
| Total noninterest income | $333,000 | 5,842 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $293,000 | 4,124 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $40,000 | 7,305 |
| Total noninterest expense | $1,263,000 | 7,261 |
| Salaries and employee benefits | $737,000 | 7,161 |
| Premises and equipment expense | $140,000 | 7,332 |
| Additional noninterest expense | $386,000 | 7,108 |
| Pre-tax net operating income | $724,000 | 5,387 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $249,000 | 3,622 |
| Income before extraordinary items | $475,000 | 5,767 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $475,000 | 5,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,878 |
| Cash dividends | $192,000 | 4,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $475,000 | 5,757 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,870,000 | 7,260 |
| Total interest expense | $610,000 | 7,505 |
| Net interest income | $1,260,000 | 6,937 |
| Provision for loan and lease losses | $29,000 | 5,583 |
| Total noninterest income | $252,000 | 5,896 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $221,000 | 4,119 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $31,000 | 7,315 |
| Total noninterest expense | $942,000 | 7,251 |
| Salaries and employee benefits | $542,000 | 7,157 |
| Premises and equipment expense | $106,000 | 7,322 |
| Additional noninterest expense | $294,000 | 7,076 |
| Pre-tax net operating income | $541,000 | 5,637 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $184,000 | 3,813 |
| Income before extraordinary items | $357,000 | 6,026 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $357,000 | 6,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,961 |
| Cash dividends | $192,000 | 4,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $357,000 | 6,012 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,234,000 | 7,310 |
| Total interest expense | $402,000 | 7,553 |
| Net interest income | $832,000 | 7,002 |
| Provision for loan and lease losses | $18,000 | 5,390 |
| Total noninterest income | $165,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $143,000 | 4,181 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $22,000 | 7,282 |
| Total noninterest expense | $634,000 | 7,282 |
| Salaries and employee benefits | $363,000 | 7,202 |
| Premises and equipment expense | $68,000 | 7,400 |
| Additional noninterest expense | $203,000 | 7,038 |
| Pre-tax net operating income | $345,000 | 5,784 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $116,000 | 3,959 |
| Income before extraordinary items | $229,000 | 6,162 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $229,000 | 6,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $96,000 | 4,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $229,000 | 6,147 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $604,000 | 7,371 |
| Total interest expense | $196,000 | 7,620 |
| Net interest income | $408,000 | 7,053 |
| Provision for loan and lease losses | $9,000 | 5,108 |
| Total noninterest income | $83,000 | 5,910 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $70,000 | 4,169 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $13,000 | 7,127 |
| Total noninterest expense | $316,000 | 7,325 |
| Salaries and employee benefits | $188,000 | 7,180 |
| Premises and equipment expense | $32,000 | 7,520 |
| Additional noninterest expense | $96,000 | 7,170 |
| Pre-tax net operating income | $166,000 | 5,867 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $56,000 | 3,993 |
| Income before extraordinary items | $110,000 | 6,239 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $110,000 | 6,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $96,000 | 3,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $110,000 | 6,222 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,239,000 | 7,358 |
| Total interest expense | $663,000 | 7,587 |
| Net interest income | $1,576,000 | 7,086 |
| Provision for loan and lease losses | $37,000 | 5,861 |
| Total noninterest income | $340,000 | 5,936 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $302,000 | 4,121 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $38,000 | 7,516 |
| Total noninterest expense | $1,141,000 | 7,491 |
| Salaries and employee benefits | $655,000 | 7,422 |
| Premises and equipment expense | $132,000 | 7,465 |
| Additional noninterest expense | $354,000 | 7,295 |
| Pre-tax net operating income | $738,000 | 5,819 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $251,000 | 4,029 |
| Income before extraordinary items | $487,000 | 6,206 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $487,000 | 6,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,423 |
| Cash dividends | $144,000 | 5,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $487,000 | 6,199 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,639,000 | 7,450 |
| Total interest expense | $474,000 | 7,654 |
| Net interest income | $1,165,000 | 7,195 |
| Provision for loan and lease losses | $27,000 | 5,738 |
| Total noninterest income | $254,000 | 5,980 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $224,000 | 4,178 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,516 |
| Total noninterest expense | $847,000 | 7,519 |
| Salaries and employee benefits | $477,000 | 7,474 |
| Premises and equipment expense | $101,000 | 7,440 |
| Additional noninterest expense | $269,000 | 7,278 |
| Pre-tax net operating income | $545,000 | 6,058 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $185,000 | 4,225 |
| Income before extraordinary items | $360,000 | 6,428 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $360,000 | 6,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,707 |
| Cash dividends | $144,000 | 4,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $360,000 | 6,425 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,063,000 | 7,500 |
| Total interest expense | $301,000 | 7,695 |
| Net interest income | $762,000 | 7,271 |
| Provision for loan and lease losses | $18,000 | 5,601 |
| Total noninterest income | $169,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $147,000 | 4,180 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $22,000 | 7,458 |
| Total noninterest expense | $555,000 | 7,580 |
| Salaries and employee benefits | $315,000 | 7,532 |
| Premises and equipment expense | $63,000 | 7,564 |
| Additional noninterest expense | $177,000 | 7,317 |
| Pre-tax net operating income | $358,000 | 6,116 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $121,000 | 4,297 |
| Income before extraordinary items | $237,000 | 6,461 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $237,000 | 6,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $48,000 | 4,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $237,000 | 6,462 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $508,000 | 7,578 |
| Total interest expense | $139,000 | 7,769 |
| Net interest income | $369,000 | 7,344 |
| Provision for loan and lease losses | $9,000 | 5,345 |
| Total noninterest income | $87,000 | 5,894 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $72,000 | 4,162 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,090 |
| Total noninterest expense | $276,000 | 7,607 |
| Salaries and employee benefits | $156,000 | 7,567 |
| Premises and equipment expense | $31,000 | 7,598 |
| Additional noninterest expense | $89,000 | 7,310 |
| Pre-tax net operating income | $171,000 | 6,153 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $58,000 | 4,321 |
| Income before extraordinary items | $113,000 | 6,517 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $113,000 | 6,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $113,000 | 6,515 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,915,000 | 7,529 |
| Total interest expense | $422,000 | 7,828 |
| Net interest income | $1,493,000 | 7,299 |
| Provision for loan and lease losses | $6,000 | 6,930 |
| Total noninterest income | $318,000 | 6,216 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $271,000 | 4,401 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $47,000 | 7,453 |
| Total noninterest expense | $1,092,000 | 7,586 |
| Salaries and employee benefits | $625,000 | 7,535 |
| Premises and equipment expense | $124,000 | 7,598 |
| Additional noninterest expense | $343,000 | 7,379 |
| Pre-tax net operating income | $713,000 | 6,118 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $241,000 | 4,414 |
| Income before extraordinary items | $472,000 | 6,475 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $472,000 | 6,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,338 |
| Cash dividends | $96,000 | 5,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $472,000 | 6,452 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,416,000 | 7,578 |
| Total interest expense | $288,000 | 7,922 |
| Net interest income | $1,128,000 | 7,326 |
| Provision for loan and lease losses | $6,000 | 6,681 |
| Total noninterest income | $241,000 | 6,214 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $202,000 | 4,436 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $39,000 | 7,368 |
| Total noninterest expense | $820,000 | 7,575 |
| Salaries and employee benefits | $461,000 | 7,538 |
| Premises and equipment expense | $94,000 | 7,565 |
| Additional noninterest expense | $265,000 | 7,348 |
| Pre-tax net operating income | $543,000 | 6,232 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $184,000 | 4,533 |
| Income before extraordinary items | $359,000 | 6,601 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $359,000 | 6,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,913 |
| Cash dividends | $96,000 | 4,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $359,000 | 6,562 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $924,000 | 7,605 |
| Total interest expense | $176,000 | 7,987 |
| Net interest income | $748,000 | 7,354 |
| Provision for loan and lease losses | $4,000 | 6,457 |
| Total noninterest income | $165,000 | 6,152 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $135,000 | 4,395 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $30,000 | 7,186 |
| Total noninterest expense | $544,000 | 7,592 |
| Salaries and employee benefits | $310,000 | 7,537 |
| Premises and equipment expense | $62,000 | 7,574 |
| Additional noninterest expense | $172,000 | 7,377 |
| Pre-tax net operating income | $365,000 | 6,194 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $124,000 | 4,519 |
| Income before extraordinary items | $241,000 | 6,589 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $241,000 | 6,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,220 |
| Cash dividends | $48,000 | 4,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $241,000 | 6,538 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $451,000 | 7,694 |
| Total interest expense | $81,000 | 8,103 |
| Net interest income | $370,000 | 7,424 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $85,000 | 6,025 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $63,000 | 4,498 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,697 |
| Total noninterest expense | $264,000 | 7,704 |
| Salaries and employee benefits | $157,000 | 7,557 |
| Premises and equipment expense | $29,000 | 7,764 |
| Additional noninterest expense | $78,000 | 7,612 |
| Pre-tax net operating income | $188,000 | 6,091 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $63,000 | 4,453 |
| Income before extraordinary items | $125,000 | 6,483 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $125,000 | 6,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 1,959 |
| Cash dividends | $48,000 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $125,000 | 6,442 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,703,000 | 7,683 |
| Total interest expense | $262,000 | 8,236 |
| Net interest income | $1,441,000 | 7,399 |
| Provision for loan and lease losses | $38,000 | 6,224 |
| Total noninterest income | $319,000 | 6,275 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $256,000 | 4,696 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $63,000 | 7,122 |
| Total noninterest expense | $1,077,000 | 7,658 |
| Salaries and employee benefits | $601,000 | 7,659 |
| Premises and equipment expense | $123,000 | 7,672 |
| Additional noninterest expense | $353,000 | 7,389 |
| Pre-tax net operating income | $645,000 | 6,270 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $219,000 | 4,638 |
| Income before extraordinary items | $426,000 | 6,645 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $426,000 | 6,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,355 |
| Cash dividends | $96,000 | 5,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $426,000 | 6,589 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,258,000 | 7,742 |
| Total interest expense | $190,000 | 8,312 |
| Net interest income | $1,068,000 | 7,436 |
| Provision for loan and lease losses | $27,000 | 6,080 |
| Total noninterest income | $222,000 | 6,484 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $193,000 | 4,720 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $29,000 | 7,742 |
| Total noninterest expense | $796,000 | 7,653 |
| Salaries and employee benefits | $445,000 | 7,636 |
| Premises and equipment expense | $93,000 | 7,655 |
| Additional noninterest expense | $258,000 | 7,432 |
| Pre-tax net operating income | $467,000 | 6,470 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $159,000 | 4,763 |
| Income before extraordinary items | $308,000 | 6,843 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $308,000 | 6,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,778 |
| Cash dividends | $96,000 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $308,000 | 6,770 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $830,000 | 7,817 |
| Total interest expense | $124,000 | 8,389 |
| Net interest income | $706,000 | 7,486 |
| Provision for loan and lease losses | $18,000 | 5,953 |
| Total noninterest income | $147,000 | 6,500 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $127,000 | 4,740 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $20,000 | 7,733 |
| Total noninterest expense | $531,000 | 7,704 |
| Salaries and employee benefits | $301,000 | 7,673 |
| Premises and equipment expense | $62,000 | 7,681 |
| Additional noninterest expense | $168,000 | 7,512 |
| Pre-tax net operating income | $304,000 | 6,476 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $103,000 | 4,808 |
| Income before extraordinary items | $201,000 | 6,895 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $201,000 | 6,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $48,000 | 4,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $201,000 | 6,806 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $419,000 | 7,840 |
| Total interest expense | $62,000 | 8,451 |
| Net interest income | $357,000 | 7,496 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $78,000 | 6,348 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $64,000 | 4,635 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $14,000 | 7,349 |
| Total noninterest expense | $267,000 | 7,743 |
| Salaries and employee benefits | $154,000 | 7,632 |
| Premises and equipment expense | $30,000 | 7,774 |
| Additional noninterest expense | $83,000 | 7,555 |
| Pre-tax net operating income | $159,000 | 6,326 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $53,000 | 4,770 |
| Income before extraordinary items | $106,000 | 6,771 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $106,000 | 6,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $48,000 | 3,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $106,000 | 6,655 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,750,000 | 7,821 |
| Total interest expense | $380,000 | 8,176 |
| Net interest income | $1,370,000 | 7,548 |
| Provision for loan and lease losses | $108,000 | 5,204 |
| Total noninterest income | $500,000 | 5,437 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $236,000 | 4,882 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $264,000 | 4,746 |
| Total noninterest expense | $1,033,000 | 7,806 |
| Salaries and employee benefits | $568,000 | 7,830 |
| Premises and equipment expense | $130,000 | 7,667 |
| Additional noninterest expense | $335,000 | 7,539 |
| Pre-tax net operating income | $729,000 | 5,911 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $247,000 | 4,600 |
| Income before extraordinary items | $482,000 | 6,414 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $482,000 | 6,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,002 |
| Cash dividends | $96,000 | 5,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $482,000 | 6,256 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,319,000 | 7,906 |
| Total interest expense | $309,000 | 8,196 |
| Net interest income | $1,010,000 | 7,642 |
| Provision for loan and lease losses | $107,000 | 4,561 |
| Total noninterest income | $383,000 | 5,424 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $175,000 | 4,936 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $208,000 | 4,724 |
| Total noninterest expense | $768,000 | 7,821 |
| Salaries and employee benefits | $420,000 | 7,827 |
| Premises and equipment expense | $101,000 | 7,609 |
| Additional noninterest expense | $247,000 | 7,591 |
| Pre-tax net operating income | $518,000 | 6,205 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $176,000 | 4,855 |
| Income before extraordinary items | $342,000 | 6,696 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $342,000 | 6,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,290 |
| Cash dividends | $96,000 | 4,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $342,000 | 6,521 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $891,000 | 7,931 |
| Total interest expense | $225,000 | 8,171 |
| Net interest income | $666,000 | 7,695 |
| Provision for loan and lease losses | $105,000 | 3,773 |
| Total noninterest income | $309,000 | 4,913 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $109,000 | 5,055 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $200,000 | 4,036 |
| Total noninterest expense | $510,000 | 7,852 |
| Salaries and employee benefits | $279,000 | 7,861 |
| Premises and equipment expense | $67,000 | 7,633 |
| Additional noninterest expense | $164,000 | 7,579 |
| Pre-tax net operating income | $360,000 | 6,106 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $122,000 | 4,838 |
| Income before extraordinary items | $238,000 | 6,627 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $238,000 | 6,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $48,000 | 4,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $238,000 | 6,415 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $453,000 | 7,943 |
| Total interest expense | $116,000 | 8,228 |
| Net interest income | $337,000 | 7,681 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $63,000 | 6,928 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $49,000 | 5,240 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $252,000 | 7,911 |
| Salaries and employee benefits | $140,000 | 7,894 |
| Premises and equipment expense | $34,000 | 7,649 |
| Additional noninterest expense | $78,000 | 7,720 |
| Pre-tax net operating income | $139,000 | 6,622 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $47,000 | 5,201 |
| Income before extraordinary items | $92,000 | 7,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $92,000 | 7,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $48,000 | 3,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $92,000 | 6,886 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,927,000 | 7,930 |
| Total interest expense | $574,000 | 8,181 |
| Net interest income | $1,353,000 | 7,676 |
| Provision for loan and lease losses | $72,000 | 6,236 |
| Total noninterest income | $203,000 | 7,271 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $160,000 | 5,703 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $43,000 | 7,790 |
| Total noninterest expense | $965,000 | 8,006 |
| Salaries and employee benefits | $533,000 | 8,001 |
| Premises and equipment expense | $119,000 | 7,896 |
| Additional noninterest expense | $313,000 | 7,720 |
| Pre-tax net operating income | $519,000 | 6,704 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $178,000 | 5,281 |
| Income before extraordinary items | $341,000 | 7,124 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $341,000 | 7,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,309 |
| Cash dividends | $96,000 | 5,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $341,000 | 7,010 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,128,000 | 8,088 |
| Total interest expense | $893,000 | 8,229 |
| Net interest income | $1,235,000 | 7,816 |
| Provision for loan and lease losses | $36,000 | 7,043 |
| Total noninterest income | $206,000 | 7,252 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $141,000 | 5,922 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $65,000 | 7,257 |
| Total noninterest expense | $909,000 | 8,190 |
| Salaries and employee benefits | $493,000 | 8,214 |
| Premises and equipment expense | $120,000 | 8,004 |
| Additional noninterest expense | $296,000 | 7,885 |
| Pre-tax net operating income | $496,000 | 6,559 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $169,000 | 5,285 |
| Income before extraordinary items | $327,000 | 6,971 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $327,000 | 6,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,963 |
| Cash dividends | $96,000 | 5,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $327,000 | 6,851 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,110,000 | 8,298 |
| Total interest expense | $806,000 | 8,633 |
| Net interest income | $1,304,000 | 7,860 |
| Provision for loan and lease losses | $76,000 | 5,841 |
| Total noninterest income | $249,000 | 6,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 5,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,664 |
| Total noninterest expense | $897,000 | 8,308 |
| Salaries and employee benefits | $473,000 | 8,384 |
| Premises and equipment expense | $118,000 | 8,135 |
| Additional noninterest expense | $306,000 | 7,901 |
| Pre-tax net operating income | $580,000 | 6,663 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $197,000 | 5,423 |
| Income before extraordinary items | $383,000 | 6,959 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $383,000 | 6,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,623 |
| Cash dividends | $96,000 | 6,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $383,000 | 6,961 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,878,000 | 8,637 |
| Total interest expense | $675,000 | 9,001 |
| Net interest income | $1,203,000 | 8,183 |
| Provision for loan and lease losses | $73,000 | 5,834 |
| Total noninterest income | $204,000 | 7,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 5,727 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,163 |
| Total noninterest expense | $794,000 | 8,745 |
| Salaries and employee benefits | $415,000 | 8,811 |
| Premises and equipment expense | $106,000 | 8,515 |
| Additional noninterest expense | $273,000 | 8,356 |
| Pre-tax net operating income | $540,000 | 6,961 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $184,000 | 5,879 |
| Income before extraordinary items | $356,000 | 7,256 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $356,000 | 7,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,102 |
| Cash dividends | $96,000 | 6,156 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $356,000 | 7,224 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 8,978 |
| Total interest expense | $683,000 | 9,226 |
| Net interest income | $1,072,000 | 8,633 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $228,000 | 7,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 6,894 |
| Total noninterest expense | $812,000 | 8,746 |
| Salaries and employee benefits | $385,000 | 9,061 |
| Premises and equipment expense | $94,000 | 8,844 |
| Additional noninterest expense | $333,000 | 7,812 |
| Pre-tax net operating income | $488,000 | 7,434 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $166,000 | 6,632 |
| Income before extraordinary items | $322,000 | 7,703 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $322,000 | 7,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $96,000 | 6,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $322,000 | 7,616 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,644,000 | 9,506 |
| Total interest expense | $645,000 | 9,698 |
| Net interest income | $999,000 | 9,192 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $142,000 | 8,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,049 |
| Total noninterest expense | $670,000 | 9,488 |
| Salaries and employee benefits | $355,000 | 9,559 |
| Premises and equipment expense | $83,000 | 9,364 |
| Additional noninterest expense | $232,000 | 9,050 |
| Pre-tax net operating income | $471,000 | 8,085 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $159,000 | 7,472 |
| Income before extraordinary items | $312,000 | 8,291 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $312,000 | 8,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,963 |
| Cash dividends | $96,000 | 6,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $312,000 | 8,241 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,591,000 | 9,991 |
| Total interest expense | $620,000 | 10,212 |
| Net interest income | $971,000 | 9,634 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $127,000 | 9,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 7,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 9,892 |
| Total noninterest expense | $617,000 | 10,110 |
| Salaries and employee benefits | $315,000 | 10,235 |
| Premises and equipment expense | $80,000 | 9,811 |
| Additional noninterest expense | $222,000 | 9,687 |
| Pre-tax net operating income | $481,000 | 8,055 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $161,000 | 7,713 |
| Income before extraordinary items | $320,000 | 8,250 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $320,000 | 8,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $96,000 | 6,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $320,000 | 8,186 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,615,000 | 10,319 |
| Total interest expense | $627,000 | 10,579 |
| Net interest income | $988,000 | 9,975 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $132,000 | 9,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 8,082 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,521 |
| Total noninterest expense | $641,000 | 10,405 |
| Salaries and employee benefits | $302,000 | 10,731 |
| Premises and equipment expense | $76,000 | 10,320 |
| Additional noninterest expense | $263,000 | 9,685 |
| Pre-tax net operating income | $479,000 | 8,560 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $160,000 | 8,094 |
| Income before extraordinary items | $319,000 | 8,751 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $319,000 | 8,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $96,000 | 6,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $319,000 | 8,713 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,368,000 | 11,002 |
| Total interest expense | $529,000 | 10,968 |
| Net interest income | $839,000 | 10,924 |
| Provision for loan and lease losses | $-100,000 | 12,140 |
| Total noninterest income | $156,000 | 9,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 8,860 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,157 |
| Total noninterest expense | $641,000 | 10,937 |
| Salaries and employee benefits | $307,000 | 11,141 |
| Premises and equipment expense | $78,000 | 10,708 |
| Additional noninterest expense | $256,000 | 10,457 |
| Pre-tax net operating income | $454,000 | 8,973 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $155,000 | 8,217 |
| Income before extraordinary items | $299,000 | 9,157 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $299,000 | 9,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-119,000 | 12,284 |
| Cash dividends | $96,000 | 7,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $299,000 | 9,220 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,307,000 | 11,669 |
| Total interest expense | $532,000 | 11,522 |
| Net interest income | $775,000 | 11,600 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $186,000 | 9,481 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 8,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 8,232 |
| Total noninterest expense | $756,000 | 10,892 |
| Salaries and employee benefits | $309,000 | 11,555 |
| Premises and equipment expense | $83,000 | 11,040 |
| Additional noninterest expense | $364,000 | 9,674 |
| Pre-tax net operating income | $205,000 | 10,990 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-63,000 | 12,905 |
| Income before extraordinary items | $268,000 | 9,836 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $268,000 | 9,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $48,000 | 8,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $268,000 | 9,582 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,374,000 | 12,242 |
| Total interest expense | $649,000 | 12,070 |
| Net interest income | $725,000 | 12,211 |
| Provision for loan and lease losses | $50,000 | 9,026 |
| Total noninterest income | $179,000 | 9,849 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 8,668 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,687 |
| Total noninterest expense | $847,000 | 10,764 |
| Salaries and employee benefits | $303,000 | 11,978 |
| Premises and equipment expense | $74,000 | 11,720 |
| Additional noninterest expense | $470,000 | 8,755 |
| Pre-tax net operating income | $7,000 | 12,661 |
| Securities gains (losses) | $212,000 | 1,940 |
| Applicable income taxes | $72,000 | 10,657 |
| Income before extraordinary items | $147,000 | 11,318 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $147,000 | 11,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 5,871 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,960 | 12,636 |
* 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.