Home > First State Bank > Income and Expense
First State Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,192,000 | 7,389 |
| Total interest expense | $790,000 | 7,339 |
| Net interest income | $1,402,000 | 7,306 |
| Provision for loan and lease losses | $-64,000 | 8,424 |
| Total noninterest income | $735,000 | 4,250 |
| Gross Fiduciary activities income | $7,000 | 1,322 |
| Service charges on deposit accounts | $266,000 | 4,365 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $462,000 | 3,476 |
| Total noninterest expense | $1,504,000 | 6,890 |
| Salaries and employee benefits | $699,000 | 7,286 |
| Premises and equipment expense | $273,000 | 5,979 |
| Additional noninterest expense | $532,000 | 6,393 |
| Pre-tax net operating income | $697,000 | 5,929 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $33,000 | 5,706 |
| Income before extraordinary items | $664,000 | 5,606 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $664,000 | 5,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,385 |
| Cash dividends | $511,000 | 3,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $664,000 | 5,589 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,579,000 | 7,503 |
| Total interest expense | $574,000 | 7,385 |
| Net interest income | $1,005,000 | 7,463 |
| Provision for loan and lease losses | $6,000 | 6,493 |
| Total noninterest income | $573,000 | 4,170 |
| Gross Fiduciary activities income | $7,000 | 1,251 |
| Service charges on deposit accounts | $206,000 | 4,335 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $360,000 | 3,382 |
| Total noninterest expense | $1,153,000 | 6,829 |
| Salaries and employee benefits | $520,000 | 7,285 |
| Premises and equipment expense | $208,000 | 5,962 |
| Additional noninterest expense | $425,000 | 6,222 |
| Pre-tax net operating income | $419,000 | 6,533 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $19,000 | 5,985 |
| Income before extraordinary items | $400,000 | 6,231 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $400,000 | 6,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,550 |
| Cash dividends | $270,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $400,000 | 6,232 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,000,000 | 7,607 |
| Total interest expense | $357,000 | 7,455 |
| Net interest income | $643,000 | 7,581 |
| Provision for loan and lease losses | $3,000 | 6,297 |
| Total noninterest income | $346,000 | 4,386 |
| Gross Fiduciary activities income | $7,000 | 1,216 |
| Service charges on deposit accounts | $129,000 | 4,447 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $210,000 | 3,655 |
| Total noninterest expense | $765,000 | 6,889 |
| Salaries and employee benefits | $348,000 | 7,317 |
| Premises and equipment expense | $139,000 | 5,966 |
| Additional noninterest expense | $278,000 | 6,299 |
| Pre-tax net operating income | $221,000 | 6,933 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $10,000 | 6,127 |
| Income before extraordinary items | $211,000 | 6,674 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $211,000 | 6,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $180,000 | 3,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $211,000 | 6,680 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $472,000 | 7,705 |
| Total interest expense | $167,000 | 7,532 |
| Net interest income | $305,000 | 7,680 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $186,000 | 4,131 |
| Gross Fiduciary activities income | $7,000 | 1,113 |
| Service charges on deposit accounts | $54,000 | 4,773 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $125,000 | 3,308 |
| Total noninterest expense | $379,000 | 6,907 |
| Salaries and employee benefits | $172,000 | 7,359 |
| Premises and equipment expense | $68,000 | 6,040 |
| Additional noninterest expense | $139,000 | 6,274 |
| Pre-tax net operating income | $112,000 | 6,911 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $107,000 | 6,623 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $107,000 | 6,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,017 |
| Cash dividends | $90,000 | 3,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $107,000 | 6,617 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,642,000 | 7,767 |
| Total interest expense | $504,000 | 7,606 |
| Net interest income | $1,138,000 | 7,757 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $642,000 | 4,618 |
| Gross Fiduciary activities income | $6,000 | 1,363 |
| Service charges on deposit accounts | $298,000 | 4,205 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $338,000 | 4,096 |
| Total noninterest expense | $1,492,000 | 6,904 |
| Salaries and employee benefits | $717,000 | 7,204 |
| Premises and equipment expense | $272,000 | 5,988 |
| Additional noninterest expense | $503,000 | 6,559 |
| Pre-tax net operating income | $288,000 | 7,433 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,000 | 6,709 |
| Income before extraordinary items | $284,000 | 7,248 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $284,000 | 7,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,831 |
| Cash dividends | $380,000 | 4,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $284,000 | 7,232 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,211,000 | 7,807 |
| Total interest expense | $365,000 | 7,623 |
| Net interest income | $846,000 | 7,821 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $508,000 | 4,504 |
| Gross Fiduciary activities income | $6,000 | 1,295 |
| Service charges on deposit accounts | $229,000 | 4,151 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $273,000 | 3,965 |
| Total noninterest expense | $1,112,000 | 6,919 |
| Salaries and employee benefits | $528,000 | 7,235 |
| Premises and equipment expense | $201,000 | 6,019 |
| Additional noninterest expense | $383,000 | 6,482 |
| Pre-tax net operating income | $242,000 | 7,464 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $11,000 | 6,502 |
| Income before extraordinary items | $231,000 | 7,289 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $231,000 | 7,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,349 |
| Cash dividends | $380,000 | 3,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $231,000 | 7,257 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $782,000 | 7,841 |
| Total interest expense | $227,000 | 7,658 |
| Net interest income | $555,000 | 7,855 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $330,000 | 4,536 |
| Gross Fiduciary activities income | $6,000 | 1,239 |
| Service charges on deposit accounts | $146,000 | 4,216 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $178,000 | 3,959 |
| Total noninterest expense | $730,000 | 6,968 |
| Salaries and employee benefits | $349,000 | 7,261 |
| Premises and equipment expense | $133,000 | 6,041 |
| Additional noninterest expense | $248,000 | 6,559 |
| Pre-tax net operating income | $155,000 | 7,515 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $7,000 | 6,523 |
| Income before extraordinary items | $148,000 | 7,365 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $148,000 | 7,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $305,000 | 2,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $148,000 | 7,318 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $383,000 | 7,925 |
| Total interest expense | $112,000 | 7,683 |
| Net interest income | $271,000 | 7,958 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $155,000 | 4,629 |
| Gross Fiduciary activities income | $6,000 | 1,124 |
| Service charges on deposit accounts | $65,000 | 4,425 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $84,000 | 4,085 |
| Total noninterest expense | $359,000 | 7,041 |
| Salaries and employee benefits | $171,000 | 7,361 |
| Premises and equipment expense | $67,000 | 6,074 |
| Additional noninterest expense | $121,000 | 6,644 |
| Pre-tax net operating income | $67,000 | 7,674 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $64,000 | 7,525 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $64,000 | 7,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $80,000 | 3,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $64,000 | 7,498 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,453,000 | 7,960 |
| Total interest expense | $319,000 | 8,010 |
| Net interest income | $1,134,000 | 7,844 |
| Provision for loan and lease losses | $6,000 | 7,145 |
| Total noninterest income | $677,000 | 4,486 |
| Gross Fiduciary activities income | $5,000 | 1,406 |
| Service charges on deposit accounts | $293,000 | 4,369 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $379,000 | 3,805 |
| Total noninterest expense | $1,577,000 | 6,756 |
| Salaries and employee benefits | $751,000 | 7,112 |
| Premises and equipment expense | $299,000 | 5,687 |
| Additional noninterest expense | $527,000 | 6,388 |
| Pre-tax net operating income | $228,000 | 7,679 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,000 | 7,032 |
| Income before extraordinary items | $226,000 | 7,516 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $226,000 | 7,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $230,000 | 4,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $226,000 | 7,476 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,082,000 | 7,987 |
| Total interest expense | $225,000 | 8,125 |
| Net interest income | $857,000 | 7,856 |
| Provision for loan and lease losses | $6,000 | 6,914 |
| Total noninterest income | $479,000 | 4,657 |
| Gross Fiduciary activities income | $5,000 | 1,342 |
| Service charges on deposit accounts | $219,000 | 4,407 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $255,000 | 4,026 |
| Total noninterest expense | $1,147,000 | 6,806 |
| Salaries and employee benefits | $555,000 | 7,107 |
| Premises and equipment expense | $196,000 | 6,042 |
| Additional noninterest expense | $396,000 | 6,340 |
| Pre-tax net operating income | $183,000 | 7,769 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $8,000 | 6,848 |
| Income before extraordinary items | $175,000 | 7,619 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $175,000 | 7,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,993 |
| Cash dividends | $155,000 | 4,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $175,000 | 7,568 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $723,000 | 8,025 |
| Total interest expense | $144,000 | 8,243 |
| Net interest income | $579,000 | 7,882 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $317,000 | 4,679 |
| Gross Fiduciary activities income | $5,000 | 1,290 |
| Service charges on deposit accounts | $142,000 | 4,457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $170,000 | 4,068 |
| Total noninterest expense | $761,000 | 6,851 |
| Salaries and employee benefits | $367,000 | 7,169 |
| Premises and equipment expense | $128,000 | 6,144 |
| Additional noninterest expense | $266,000 | 6,335 |
| Pre-tax net operating income | $129,000 | 7,697 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $6,000 | 6,827 |
| Income before extraordinary items | $123,000 | 7,556 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $123,000 | 7,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,060 |
| Cash dividends | $105,000 | 4,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $123,000 | 7,486 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $364,000 | 8,066 |
| Total interest expense | $72,000 | 8,313 |
| Net interest income | $292,000 | 7,895 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $143,000 | 4,895 |
| Gross Fiduciary activities income | $4,000 | 1,216 |
| Service charges on deposit accounts | $70,000 | 4,409 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $69,000 | 4,468 |
| Total noninterest expense | $371,000 | 6,973 |
| Salaries and employee benefits | $181,000 | 7,244 |
| Premises and equipment expense | $63,000 | 6,196 |
| Additional noninterest expense | $127,000 | 6,499 |
| Pre-tax net operating income | $61,000 | 7,747 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $4,000 | 6,676 |
| Income before extraordinary items | $57,000 | 7,638 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $57,000 | 7,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $55,000 | 3,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $57,000 | 7,564 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,573,000 | 8,001 |
| Total interest expense | $337,000 | 8,339 |
| Net interest income | $1,236,000 | 7,750 |
| Provision for loan and lease losses | $12,000 | 7,277 |
| Total noninterest income | $684,000 | 4,617 |
| Gross Fiduciary activities income | $4,000 | 1,466 |
| Service charges on deposit accounts | $278,000 | 4,492 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $402,000 | 3,966 |
| Total noninterest expense | $1,551,000 | 6,798 |
| Salaries and employee benefits | $744,000 | 7,134 |
| Premises and equipment expense | $245,000 | 6,235 |
| Additional noninterest expense | $562,000 | 6,187 |
| Pre-tax net operating income | $357,000 | 7,206 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $3,000 | 7,286 |
| Income before extraordinary items | $354,000 | 7,015 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $354,000 | 7,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,630 |
| Cash dividends | $355,000 | 4,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $354,000 | 6,864 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,201,000 | 8,066 |
| Total interest expense | $262,000 | 8,423 |
| Net interest income | $939,000 | 7,799 |
| Provision for loan and lease losses | $12,000 | 7,043 |
| Total noninterest income | $539,000 | 4,527 |
| Gross Fiduciary activities income | $4,000 | 1,409 |
| Service charges on deposit accounts | $211,000 | 4,472 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $324,000 | 3,915 |
| Total noninterest expense | $1,163,000 | 6,794 |
| Salaries and employee benefits | $554,000 | 7,117 |
| Premises and equipment expense | $188,000 | 6,155 |
| Additional noninterest expense | $421,000 | 6,185 |
| Pre-tax net operating income | $303,000 | 7,163 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $302,000 | 6,937 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $302,000 | 6,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $280,000 | 3,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $302,000 | 6,774 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $812,000 | 8,097 |
| Total interest expense | $186,000 | 8,424 |
| Net interest income | $626,000 | 7,809 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $351,000 | 4,581 |
| Gross Fiduciary activities income | $4,000 | 1,366 |
| Service charges on deposit accounts | $137,000 | 4,506 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $210,000 | 3,950 |
| Total noninterest expense | $778,000 | 6,786 |
| Salaries and employee benefits | $372,000 | 7,130 |
| Premises and equipment expense | $125,000 | 6,160 |
| Additional noninterest expense | $281,000 | 6,173 |
| Pre-tax net operating income | $187,000 | 7,313 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $187,000 | 7,084 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $187,000 | 7,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,047 |
| Cash dividends | $185,000 | 3,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $187,000 | 6,896 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $417,000 | 8,100 |
| Total interest expense | $100,000 | 8,430 |
| Net interest income | $317,000 | 7,817 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $182,000 | 4,388 |
| Gross Fiduciary activities income | $4,000 | 1,265 |
| Service charges on deposit accounts | $65,000 | 4,539 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $113,000 | 3,713 |
| Total noninterest expense | $387,000 | 6,817 |
| Salaries and employee benefits | $191,000 | 7,087 |
| Premises and equipment expense | $63,000 | 6,146 |
| Additional noninterest expense | $133,000 | 6,350 |
| Pre-tax net operating income | $106,000 | 7,094 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $5,000 | 6,893 |
| Income before extraordinary items | $101,000 | 6,878 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $101,000 | 6,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $101,000 | 6,714 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,820,000 | 8,052 |
| Total interest expense | $581,000 | 8,161 |
| Net interest income | $1,239,000 | 7,854 |
| Provision for loan and lease losses | $24,000 | 7,371 |
| Total noninterest income | $678,000 | 4,413 |
| Gross Fiduciary activities income | $5,000 | 1,497 |
| Service charges on deposit accounts | $288,000 | 4,316 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $385,000 | 3,779 |
| Total noninterest expense | $1,520,000 | 6,796 |
| Salaries and employee benefits | $732,000 | 7,148 |
| Premises and equipment expense | $227,000 | 6,428 |
| Additional noninterest expense | $561,000 | 6,156 |
| Pre-tax net operating income | $373,000 | 7,275 |
| Securities gains (losses) | $10,000 | 3,604 |
| Applicable income taxes | $22,000 | 7,002 |
| Income before extraordinary items | $361,000 | 7,026 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $361,000 | 7,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,530 |
| Cash dividends | $400,000 | 3,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $351,600 | 6,945 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,450,000 | 7,804 |
| Total interest expense | $1,005,000 | 8,013 |
| Net interest income | $1,445,000 | 7,426 |
| Provision for loan and lease losses | $43,000 | 6,864 |
| Total noninterest income | $587,000 | 4,641 |
| Gross Fiduciary activities income | $5,000 | 1,541 |
| Service charges on deposit accounts | $287,000 | 4,267 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $295,000 | 4,146 |
| Total noninterest expense | $1,451,000 | 6,900 |
| Salaries and employee benefits | $732,000 | 7,053 |
| Premises and equipment expense | $195,000 | 6,864 |
| Additional noninterest expense | $524,000 | 6,289 |
| Pre-tax net operating income | $538,000 | 6,407 |
| Securities gains (losses) | $53,000 | 2,288 |
| Applicable income taxes | $29,000 | 7,102 |
| Income before extraordinary items | $562,000 | 5,780 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $562,000 | 5,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,044 |
| Cash dividends | $600,000 | 3,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $511,650 | 5,904 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,780,000 | 7,634 |
| Total interest expense | $1,205,000 | 7,796 |
| Net interest income | $1,575,000 | 7,340 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $592,000 | 4,446 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $304,000 | 4,021 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $288,000 | 4,016 |
| Total noninterest expense | $1,458,000 | 6,850 |
| Salaries and employee benefits | $714,000 | 7,129 |
| Premises and equipment expense | $182,000 | 7,052 |
| Additional noninterest expense | $562,000 | 6,004 |
| Pre-tax net operating income | $697,000 | 6,236 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $78,000 | 6,812 |
| Income before extraordinary items | $619,000 | 5,755 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $619,000 | 5,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,819 |
| Cash dividends | $685,000 | 2,969 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $619,000 | 5,759 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,763,000 | 7,638 |
| Total interest expense | $1,133,000 | 7,824 |
| Net interest income | $1,630,000 | 7,329 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $615,000 | 4,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 4,493 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $362,000 | 3,633 |
| Total noninterest expense | $1,443,000 | 6,922 |
| Salaries and employee benefits | $751,000 | 6,982 |
| Premises and equipment expense | $161,000 | 7,475 |
| Additional noninterest expense | $531,000 | 6,275 |
| Pre-tax net operating income | $802,000 | 5,923 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $251,000 | 5,195 |
| Income before extraordinary items | $551,000 | 6,155 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $551,000 | 6,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,806 |
| Cash dividends | $551,000 | 3,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $551,000 | 6,136 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,856,000 | 7,689 |
| Total interest expense | $1,283,000 | 7,718 |
| Net interest income | $1,573,000 | 7,528 |
| Provision for loan and lease losses | $3,000 | 8,549 |
| Total noninterest income | $623,000 | 4,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 4,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $378,000 | 3,548 |
| Total noninterest expense | $1,390,000 | 6,992 |
| Salaries and employee benefits | $707,000 | 7,143 |
| Premises and equipment expense | $166,000 | 7,324 |
| Additional noninterest expense | $517,000 | 6,321 |
| Pre-tax net operating income | $803,000 | 6,085 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $260,000 | 5,548 |
| Income before extraordinary items | $542,000 | 6,363 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $542,000 | 6,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,413 |
| Cash dividends | $542,000 | 3,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $542,680 | 6,255 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,970,000 | 7,787 |
| Total interest expense | $1,357,000 | 7,699 |
| Net interest income | $1,613,000 | 7,740 |
| Provision for loan and lease losses | $35,000 | 7,233 |
| Total noninterest income | $468,000 | 5,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 4,893 |
| Total noninterest expense | $1,336,000 | 7,216 |
| Salaries and employee benefits | $685,000 | 7,403 |
| Premises and equipment expense | $170,000 | 7,382 |
| Additional noninterest expense | $481,000 | 6,666 |
| Pre-tax net operating income | $710,000 | 6,937 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $197,000 | 6,916 |
| Income before extraordinary items | $512,000 | 6,896 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $512,000 | 6,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,011 |
| Cash dividends | $707,000 | 2,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $512,720 | 6,832 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,265,000 | 7,640 |
| Total interest expense | $1,536,000 | 7,477 |
| Net interest income | $1,729,000 | 7,703 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $433,000 | 5,677 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $277,000 | 4,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 5,866 |
| Total noninterest expense | $1,320,000 | 7,602 |
| Salaries and employee benefits | $681,000 | 7,644 |
| Premises and equipment expense | $169,000 | 7,642 |
| Additional noninterest expense | $470,000 | 7,300 |
| Pre-tax net operating income | $782,000 | 6,578 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $203,000 | 7,091 |
| Income before extraordinary items | $575,000 | 6,431 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $575,000 | 6,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 10,158 |
| Cash dividends | $411,000 | 3,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $577,960 | 6,339 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,310,000 | 7,786 |
| Total interest expense | $1,610,000 | 7,388 |
| Net interest income | $1,700,000 | 8,015 |
| Provision for loan and lease losses | $160,000 | 3,506 |
| Total noninterest income | $422,000 | 5,788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,594 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,069 |
| Total noninterest expense | $1,360,000 | 7,708 |
| Salaries and employee benefits | $688,000 | 7,793 |
| Premises and equipment expense | $223,000 | 6,784 |
| Additional noninterest expense | $449,000 | 7,716 |
| Pre-tax net operating income | $602,000 | 7,860 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $190,000 | 7,597 |
| Income before extraordinary items | $412,000 | 7,948 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $412,000 | 7,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,027 |
| Cash dividends | $323,000 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $412,000 | 7,916 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,770,000 | 8,429 |
| Total interest expense | $1,132,000 | 8,178 |
| Net interest income | $1,638,000 | 8,485 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $444,000 | 5,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,352 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 6,348 |
| Total noninterest expense | $1,372,000 | 7,998 |
| Salaries and employee benefits | $705,000 | 7,839 |
| Premises and equipment expense | $249,000 | 6,540 |
| Additional noninterest expense | $418,000 | 8,640 |
| Pre-tax net operating income | $680,000 | 7,518 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $230,000 | 6,840 |
| Income before extraordinary items | $450,000 | 7,713 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $450,000 | 7,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,150 |
| Cash dividends | $285,000 | 4,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $450,000 | 7,758 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,562,000 | 9,073 |
| Total interest expense | $907,000 | 9,519 |
| Net interest income | $1,655,000 | 8,626 |
| Provision for loan and lease losses | $76,000 | 6,424 |
| Total noninterest income | $472,000 | 5,811 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,888 |
| Total noninterest expense | $1,396,000 | 8,208 |
| Salaries and employee benefits | $719,000 | 7,878 |
| Premises and equipment expense | $249,000 | 6,692 |
| Additional noninterest expense | $428,000 | 8,947 |
| Pre-tax net operating income | $655,000 | 7,607 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $219,000 | 7,275 |
| Income before extraordinary items | $436,000 | 8,087 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $436,000 | 8,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,497 |
| Cash dividends | $511,000 | 3,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $436,000 | 7,822 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,132,000 | 8,748 |
| Total interest expense | $1,247,000 | 9,430 |
| Net interest income | $1,885,000 | 8,093 |
| Provision for loan and lease losses | $533,000 | 2,865 |
| Total noninterest income | $502,000 | 5,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $322,000 | 4,202 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 6,025 |
| Total noninterest expense | $1,372,000 | 8,401 |
| Salaries and employee benefits | $744,000 | 7,653 |
| Premises and equipment expense | $226,000 | 7,260 |
| Additional noninterest expense | $402,000 | 9,542 |
| Pre-tax net operating income | $482,000 | 8,533 |
| Securities gains (losses) | $66,000 | 3,674 |
| Applicable income taxes | $211,000 | 7,346 |
| Income before extraordinary items | $337,000 | 8,861 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $337,000 | 8,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $446,000 | 2,652 |
| Cash dividends | $398,000 | 3,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $294,760 | 9,005 |
* 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.