Home > First State Bank > Income and Expense

First State Bank, Income and Expense

2009-09-30 (YTD Data)		Rank
Total interest income	$2,212,000	6,440
Total interest expense	$883,000	5,835
Net interest income	$1,329,000	6,638
Provision for loan and lease losses	$55,000	6,464
Total noninterest income	$179,000	6,081
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$135,000	4,866
Trading account gains and fees	$0	212
Additional Noninterest Income	$44,000	6,345
Total noninterest expense	$1,315,000	6,530
Salaries and employee benefits	$584,000	6,800
Premises and equipment expense	$96,000	7,175
Additional noninterest expense	$635,000	5,680
Pre-tax net operating income	$138,000	5,154
Securities gains (losses)	$36,000	2,456
Applicable income taxes	$88,000	2,971
Income before extraordinary items	$86,000	5,376
Extraordinary gains, net	$0	27
Net income	$86,000	5,376
Minority interest net income	$0	118
Net income of bank and minority interests.	$86,000	5,376
Net charge-offs	$115,000	4,927
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$62,960	5,442
2009-06-30 (YTD Data)		Rank
Total interest income	$1,508,000	6,465
Total interest expense	$630,000	5,824
Net interest income	$878,000	6,669
Provision for loan and lease losses	$20,000	6,682
Total noninterest income	$116,000	6,161
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$86,000	4,941
Trading account gains and fees	$0	193
Additional Noninterest Income	$30,000	6,402
Total noninterest expense	$928,000	6,470
Salaries and employee benefits	$391,000	6,866
Premises and equipment expense	$72,000	7,096
Additional noninterest expense	$465,000	5,439
Pre-tax net operating income	$46,000	5,538
Securities gains (losses)	$0	3,136
Applicable income taxes	$53,000	3,125
Income before extraordinary items	$-7,000	5,944
Extraordinary gains, net	$0	21
Net income	$-7,000	5,943
Minority interest net income	$0	112
Net income of bank and minority interests.	$-7,000	5,943
Net charge-offs	$69,000	4,617
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-7,000	5,869
2009-03-31 (YTD Data)		Rank
Total interest income	$784,000	6,426
Total interest expense	$343,000	5,722
Net interest income	$441,000	6,668
Provision for loan and lease losses	$0	6,744
Total noninterest income	$53,000	6,292
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$39,000	5,065
Trading account gains and fees	$0	171
Additional Noninterest Income	$14,000	6,542
Total noninterest expense	$375,000	6,856
Salaries and employee benefits	$192,000	6,923
Premises and equipment expense	$47,000	6,737
Additional noninterest expense	$136,000	6,542
Pre-tax net operating income	$119,000	4,826
Securities gains (losses)	$0	2,434
Applicable income taxes	$23,000	3,465
Income before extraordinary items	$96,000	5,011
Extraordinary gains, net	$0	15
Net income	$96,000	5,016
Minority interest net income	$0	102
Net income of bank and minority interests.	$96,000	5,015
Net charge-offs	$1,000	5,564
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$96,000	4,852
2008-12-31 (YTD Data)		Rank
Total interest income	$3,342,000	6,409
Total interest expense	$1,630,000	5,796
Net interest income	$1,712,000	6,749
Provision for loan and lease losses	$70,000	6,336
Total noninterest income	$260,000	6,072
Gross Fiduciary activities income	$25,000	1,081
Service charges on deposit accounts	$164,000	5,150
Trading account gains and fees	$0	154
Additional Noninterest Income	$71,000	6,362
Total noninterest expense	$1,383,000	7,030
Salaries and employee benefits	$776,000	6,972
Premises and equipment expense	$162,000	7,032
Additional noninterest expense	$445,000	6,865
Pre-tax net operating income	$519,000	4,813
Securities gains (losses)	$-1,367,000	7,805
Applicable income taxes	$-420,000	7,429
Income before extraordinary items	$-428,000	6,668
Extraordinary gains, net	$0	39
Net income	$-428,000	6,667
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	5,646
Cash dividends	$220,000	4,398
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$446,880	4,785
2008-09-30 (YTD Data)		Rank
Total interest income	$2,519,000	6,463
Total interest expense	$1,229,000	5,905
Net interest income	$1,290,000	6,789
Provision for loan and lease losses	$0	6,991
Total noninterest income	$176,000	6,351
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$121,000	5,219
Trading account gains and fees	$0	148
Additional Noninterest Income	$55,000	6,465
Total noninterest expense	$990,000	7,130
Salaries and employee benefits	$577,000	6,978
Premises and equipment expense	$99,000	7,367
Additional noninterest expense	$314,000	6,948
Pre-tax net operating income	$476,000	5,007
Securities gains (losses)	$10,000	2,365
Applicable income taxes	$101,000	3,590
Income before extraordinary items	$385,000	4,853
Extraordinary gains, net	$0	31
Net income	$385,000	4,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	5,412
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$377,100	5,040
2008-06-30 (YTD Data)		Rank
Total interest income	$1,689,000	6,514
Total interest expense	$834,000	6,015
Net interest income	$855,000	6,827
Provision for loan and lease losses	$0	6,671
Total noninterest income	$114,000	6,455
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$76,000	5,344
Trading account gains and fees	$0	149
Additional Noninterest Income	$38,000	6,484
Total noninterest expense	$666,000	7,162
Salaries and employee benefits	$386,000	7,043
Premises and equipment expense	$71,000	7,323
Additional noninterest expense	$209,000	6,985
Pre-tax net operating income	$303,000	5,270
Securities gains (losses)	$10,000	2,438
Applicable income taxes	$79,000	3,685
Income before extraordinary items	$234,000	5,381
Extraordinary gains, net	$0	21
Net income	$234,000	5,382
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,297
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$226,500	5,362
2008-03-31 (YTD Data)		Rank
Total interest income	$842,000	6,601
Total interest expense	$422,000	6,139
Net interest income	$420,000	6,907
Provision for loan and lease losses	$0	6,080
Total noninterest income	$55,000	6,514
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$36,000	5,409
Trading account gains and fees	$0	158
Additional Noninterest Income	$19,000	6,522
Total noninterest expense	$330,000	7,215
Salaries and employee benefits	$189,000	7,104
Premises and equipment expense	$42,000	7,084
Additional noninterest expense	$99,000	7,081
Pre-tax net operating income	$145,000	5,499
Securities gains (losses)	$6,000	2,176
Applicable income taxes	$30,000	4,050
Income before extraordinary items	$121,000	5,555
Extraordinary gains, net	$0	15
Net income	$121,000	5,558
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,920
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$116,200	5,525
2007-12-31 (YTD Data)		Rank
Total interest income	$3,385,000	6,591
Total interest expense	$1,757,000	6,102
Net interest income	$1,628,000	6,955
Provision for loan and lease losses	$170,000	4,146
Total noninterest income	$238,000	6,481
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$169,000	5,214
Trading account gains and fees	$0	178
Additional Noninterest Income	$69,000	6,726
Total noninterest expense	$1,363,000	7,119
Salaries and employee benefits	$788,000	7,010
Premises and equipment expense	$168,000	7,064
Additional noninterest expense	$407,000	7,004
Pre-tax net operating income	$333,000	6,494
Securities gains (losses)	$0	2,146
Applicable income taxes	$74,000	4,684
Income before extraordinary items	$259,000	6,573
Extraordinary gains, net	$0	39
Net income	$259,000	6,573
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$324,000	2,198
Cash dividends	$220,000	4,788
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$259,000	6,555
2007-09-30 (YTD Data)		Rank
Total interest income	$2,535,000	6,631
Total interest expense	$1,303,000	6,168
Net interest income	$1,232,000	6,990
Provision for loan and lease losses	$20,000	5,830
Total noninterest income	$173,000	6,567
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$124,000	5,280
Trading account gains and fees	$0	184
Additional Noninterest Income	$49,000	6,818
Total noninterest expense	$979,000	7,189
Salaries and employee benefits	$597,000	6,952
Premises and equipment expense	$108,000	7,300
Additional noninterest expense	$274,000	7,199
Pre-tax net operating income	$406,000	6,145
Securities gains (losses)	$0	1,655
Applicable income taxes	$110,000	4,352
Income before extraordinary items	$296,000	6,335
Extraordinary gains, net	$0	33
Net income	$296,000	6,332
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	3,451
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$296,000	6,330
2007-06-30 (YTD Data)		Rank
Total interest income	$1,688,000	6,682
Total interest expense	$873,000	6,184
Net interest income	$815,000	7,044
Provision for loan and lease losses	$20,000	5,312
Total noninterest income	$116,000	6,589
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$86,000	5,219
Trading account gains and fees	$0	168
Additional Noninterest Income	$30,000	6,985
Total noninterest expense	$694,000	7,115
Salaries and employee benefits	$400,000	7,004
Premises and equipment expense	$80,000	7,161
Additional noninterest expense	$214,000	6,940
Pre-tax net operating income	$217,000	6,532
Securities gains (losses)	$0	1,444
Applicable income taxes	$52,000	4,731
Income before extraordinary items	$165,000	6,632
Extraordinary gains, net	$0	29
Net income	$165,000	6,632
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	3,180
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$165,000	6,622
2007-03-31 (YTD Data)		Rank
Total interest income	$851,000	6,691
Total interest expense	$438,000	6,187
Net interest income	$413,000	7,027
Provision for loan and lease losses	$0	5,779
Total noninterest income	$55,000	6,682
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$39,000	5,359
Trading account gains and fees	$0	195
Additional Noninterest Income	$16,000	6,921
Total noninterest expense	$342,000	7,185
Salaries and employee benefits	$200,000	7,044
Premises and equipment expense	$43,000	7,057
Additional noninterest expense	$99,000	7,103
Pre-tax net operating income	$126,000	6,337
Securities gains (losses)	$0	1,187
Applicable income taxes	$37,000	4,433
Income before extraordinary items	$89,000	6,564
Extraordinary gains, net	$0	22
Net income	$89,000	6,563
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	1,903
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$89,000	6,552
2006-12-31 (YTD Data)		Rank
Total interest income	$3,093,000	6,709
Total interest expense	$1,473,000	6,157
Net interest income	$1,620,000	7,019
Provision for loan and lease losses	$140,000	4,163
Total noninterest income	$192,000	6,989
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$143,000	5,607
Trading account gains and fees	$0	130
Additional Noninterest Income	$49,000	7,272
Total noninterest expense	$1,401,000	7,057
Salaries and employee benefits	$790,000	6,990
Premises and equipment expense	$157,000	7,169
Additional noninterest expense	$454,000	6,768
Pre-tax net operating income	$271,000	7,196
Securities gains (losses)	$-53,000	7,961
Applicable income taxes	$28,000	5,792
Income before extraordinary items	$190,000	7,317
Extraordinary gains, net	$0	51
Net income	$190,000	7,318
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	3,727
Cash dividends	$220,000	4,843
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$236,110	7,140
2006-09-30 (YTD Data)		Rank
Total interest income	$2,246,000	6,824
Total interest expense	$1,025,000	6,269
Net interest income	$1,221,000	7,098
Provision for loan and lease losses	$80,000	4,494
Total noninterest income	$139,000	7,080
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$100,000	5,802
Trading account gains and fees	$0	126
Additional Noninterest Income	$39,000	7,234
Total noninterest expense	$1,022,000	7,123
Salaries and employee benefits	$598,000	6,947
Premises and equipment expense	$93,000	7,565
Additional noninterest expense	$331,000	6,868
Pre-tax net operating income	$258,000	7,199
Securities gains (losses)	$-54,000	8,207
Applicable income taxes	$46,000	5,490
Income before extraordinary items	$158,000	7,437
Extraordinary gains, net	$0	45
Net income	$158,000	7,440
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	3,575
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$199,580	7,224
2006-06-30 (YTD Data)		Rank
Total interest income	$1,433,000	6,921
Total interest expense	$605,000	6,442
Net interest income	$828,000	7,118
Provision for loan and lease losses	$50,000	4,407
Total noninterest income	$80,000	7,329
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$60,000	5,971
Trading account gains and fees	$0	126
Additional Noninterest Income	$20,000	7,559
Total noninterest expense	$697,000	7,106
Salaries and employee benefits	$395,000	7,006
Premises and equipment expense	$66,000	7,495
Additional noninterest expense	$236,000	6,715
Pre-tax net operating income	$161,000	7,313
Securities gains (losses)	$-58,000	8,400
Applicable income taxes	$24,000	5,702
Income before extraordinary items	$79,000	7,694
Extraordinary gains, net	$0	39
Net income	$79,000	7,695
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	2,811
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$123,660	7,363
2006-03-31 (YTD Data)		Rank
Total interest income	$664,000	7,058
Total interest expense	$277,000	6,568
Net interest income	$387,000	7,263
Provision for loan and lease losses	$25,000	4,252
Total noninterest income	$36,000	7,439
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$28,000	6,029
Trading account gains and fees	$0	115
Additional Noninterest Income	$8,000	7,731
Total noninterest expense	$346,000	7,129
Salaries and employee benefits	$195,000	7,047
Premises and equipment expense	$35,000	7,427
Additional noninterest expense	$116,000	6,720
Pre-tax net operating income	$52,000	7,674
Securities gains (losses)	$-36,000	8,504
Applicable income taxes	$1,000	6,453
Income before extraordinary items	$15,000	8,047
Extraordinary gains, net	$0	21
Net income	$15,000	8,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	3,605
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$48,840	7,570
2005-12-31 (YTD Data)		Rank
Total interest income	$2,144,000	7,316
Total interest expense	$757,000	6,889
Net interest income	$1,387,000	7,439
Provision for loan and lease losses	$100,000	4,800
Total noninterest income	$179,000	7,230
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$121,000	5,986
Trading account gains and fees	$0	138
Additional Noninterest Income	$58,000	7,210
Total noninterest expense	$1,214,000	7,383
Salaries and employee benefits	$696,000	7,286
Premises and equipment expense	$128,000	7,558
Additional noninterest expense	$390,000	7,130
Pre-tax net operating income	$252,000	7,545
Securities gains (losses)	$-8,000	7,452
Applicable income taxes	$17,000	6,385
Income before extraordinary items	$227,000	7,470
Extraordinary gains, net	$0	46
Net income	$227,000	7,472
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,898
Cash dividends	$220,000	4,794
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$234,440	7,422
2005-09-30 (YTD Data)		Rank
Total interest income	$1,583,000	7,357
Total interest expense	$535,000	6,944
Net interest income	$1,048,000	7,466
Provision for loan and lease losses	$25,000	5,986
Total noninterest income	$122,000	7,395
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$85,000	6,137
Trading account gains and fees	$0	126
Additional Noninterest Income	$37,000	7,425
Total noninterest expense	$857,000	7,485
Salaries and employee benefits	$514,000	7,298
Premises and equipment expense	$60,000	8,110
Additional noninterest expense	$283,000	7,220
Pre-tax net operating income	$288,000	7,252
Securities gains (losses)	$1,000	2,135
Applicable income taxes	$41,000	5,927
Income before extraordinary items	$248,000	7,201
Extraordinary gains, net	$0	35
Net income	$248,000	7,201
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	8,023
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$247,140	7,162
2005-06-30 (YTD Data)		Rank
Total interest income	$1,033,000	7,384
Total interest expense	$329,000	7,020
Net interest income	$704,000	7,470
Provision for loan and lease losses	$25,000	5,445
Total noninterest income	$79,000	7,428
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$52,000	6,240
Trading account gains and fees	$0	116
Additional Noninterest Income	$27,000	7,318
Total noninterest expense	$576,000	7,482
Salaries and employee benefits	$346,000	7,285
Premises and equipment expense	$42,000	8,050
Additional noninterest expense	$188,000	7,215
Pre-tax net operating income	$182,000	7,324
Securities gains (losses)	$0	2,146
Applicable income taxes	$25,000	5,980
Income before extraordinary items	$157,000	7,291
Extraordinary gains, net	$0	30
Net income	$157,000	7,292
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,259
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$157,000	7,244
2005-03-31 (YTD Data)		Rank
Total interest income	$511,000	7,440
Total interest expense	$151,000	7,148
Net interest income	$360,000	7,478
Provision for loan and lease losses	$0	6,226
Total noninterest income	$33,000	7,681
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$24,000	6,339
Trading account gains and fees	$0	115
Additional Noninterest Income	$9,000	7,829
Total noninterest expense	$272,000	7,645
Salaries and employee benefits	$170,000	7,373
Premises and equipment expense	$17,000	8,338
Additional noninterest expense	$85,000	7,462
Pre-tax net operating income	$121,000	6,938
Securities gains (losses)	$0	1,685
Applicable income taxes	$29,000	5,339
Income before extraordinary items	$92,000	7,028
Extraordinary gains, net	$0	24
Net income	$92,000	7,030
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-56,000	8,672
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$92,000	6,998
2004-12-31 (YTD Data)		Rank
Total interest income	$1,936,000	7,451
Total interest expense	$534,000	7,184
Net interest income	$1,402,000	7,455
Provision for loan and lease losses	$150,000	4,230
Total noninterest income	$180,000	7,329
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$123,000	6,131
Trading account gains and fees	$0	138
Additional Noninterest Income	$57,000	7,247
Total noninterest expense	$1,064,000	7,686
Salaries and employee benefits	$664,000	7,421
Premises and equipment expense	$71,000	8,340
Additional noninterest expense	$329,000	7,534
Pre-tax net operating income	$368,000	7,208
Securities gains (losses)	$0	3,819
Applicable income taxes	$12,000	6,712
Income before extraordinary items	$356,000	6,991
Extraordinary gains, net	$0	34
Net income	$356,000	6,992
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	3,810
Cash dividends	$200,000	4,847
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$356,000	6,938
2004-09-30 (YTD Data)		Rank
Total interest income	$1,458,000	7,460
Total interest expense	$395,000	7,226
Net interest income	$1,063,000	7,447
Provision for loan and lease losses	$60,000	5,125
Total noninterest income	$137,000	7,351
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$97,000	6,103
Trading account gains and fees	$0	134
Additional Noninterest Income	$40,000	7,356
Total noninterest expense	$797,000	7,648
Salaries and employee benefits	$497,000	7,358
Premises and equipment expense	$46,000	8,464
Additional noninterest expense	$254,000	7,465
Pre-tax net operating income	$343,000	6,985
Securities gains (losses)	$0	3,710
Applicable income taxes	$70,000	5,707
Income before extraordinary items	$273,000	7,073
Extraordinary gains, net	$0	26
Net income	$273,000	7,074
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$273,000	7,003
2004-06-30 (YTD Data)		Rank
Total interest income	$959,000	7,527
Total interest expense	$257,000	7,334
Net interest income	$702,000	7,497
Provision for loan and lease losses	$20,000	5,844
Total noninterest income	$94,000	7,344
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$64,000	6,133
Trading account gains and fees	$0	130
Additional Noninterest Income	$30,000	7,216
Total noninterest expense	$537,000	7,676
Salaries and employee benefits	$331,000	7,424
Premises and equipment expense	$28,000	8,588
Additional noninterest expense	$178,000	7,398
Pre-tax net operating income	$239,000	6,907
Securities gains (losses)	$0	3,413
Applicable income taxes	$42,000	5,789
Income before extraordinary items	$197,000	6,930
Extraordinary gains, net	$0	21
Net income	$197,000	6,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,314
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$197,000	6,848
2004-03-31 (YTD Data)		Rank
Total interest income	$475,000	7,599
Total interest expense	$124,000	7,456
Net interest income	$351,000	7,534
Provision for loan and lease losses	$0	6,501
Total noninterest income	$36,000	7,745
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$29,000	6,251
Trading account gains and fees	$0	121
Additional Noninterest Income	$7,000	8,076
Total noninterest expense	$254,000	7,852
Salaries and employee benefits	$165,000	7,473
Premises and equipment expense	$13,000	8,652
Additional noninterest expense	$76,000	7,736
Pre-tax net operating income	$133,000	6,682
Securities gains (losses)	$0	2,934
Applicable income taxes	$37,000	5,183
Income before extraordinary items	$96,000	6,961
Extraordinary gains, net	$0	16
Net income	$96,000	6,963
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,968
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$96,000	6,855
2003-12-31 (YTD Data)		Rank
Total interest income	$1,866,000	7,689
Total interest expense	$564,000	7,518
Net interest income	$1,302,000	7,660
Provision for loan and lease losses	$30,000	6,766
Total noninterest income	$181,000	7,514
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$121,000	6,263
Trading account gains and fees	$0	160
Additional Noninterest Income	$60,000	7,309
Total noninterest expense	$1,114,000	7,649
Salaries and employee benefits	$616,000	7,626
Premises and equipment expense	$57,000	8,661
Additional noninterest expense	$441,000	6,892
Pre-tax net operating income	$339,000	7,282
Securities gains (losses)	$-15,000	8,834
Applicable income taxes	$74,000	5,995
Income before extraordinary items	$250,000	7,527
Extraordinary gains, net	$0	54
Net income	$250,000	7,531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	5,782
Cash dividends	$200,000	4,908
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$261,550	7,320
2003-09-30 (YTD Data)		Rank
Total interest income	$1,381,000	7,813
Total interest expense	$425,000	7,663
Net interest income	$956,000	7,755
Provision for loan and lease losses	$0	7,481
Total noninterest income	$141,000	7,499
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$93,000	6,263
Trading account gains and fees	$0	153
Additional Noninterest Income	$48,000	7,275
Total noninterest expense	$727,000	7,942
Salaries and employee benefits	$454,000	7,637
Premises and equipment expense	$38,000	8,797
Additional noninterest expense	$235,000	7,688
Pre-tax net operating income	$370,000	6,846
Securities gains (losses)	$0	4,204
Applicable income taxes	$65,000	5,991
Income before extraordinary items	$305,000	6,925
Extraordinary gains, net	$0	40
Net income	$305,000	6,927
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	5,282
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$305,000	6,754
2003-06-30 (YTD Data)		Rank
Total interest income	$911,000	7,888
Total interest expense	$283,000	7,773
Net interest income	$628,000	7,801
Provision for loan and lease losses	$0	7,324
Total noninterest income	$93,000	7,516
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$62,000	6,251
Trading account gains and fees	$0	150
Additional Noninterest Income	$31,000	7,275
Total noninterest expense	$493,000	7,915
Salaries and employee benefits	$302,000	7,675
Premises and equipment expense	$27,000	8,765
Additional noninterest expense	$164,000	7,579
Pre-tax net operating income	$228,000	6,984
Securities gains (losses)	$0	3,782
Applicable income taxes	$24,000	6,488
Income before extraordinary items	$204,000	6,936
Extraordinary gains, net	$0	30
Net income	$204,000	6,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	4,430
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$204,000	6,740
2003-03-31 (YTD Data)		Rank
Total interest income	$451,000	7,957
Total interest expense	$137,000	7,930
Net interest income	$314,000	7,834
Provision for loan and lease losses	$0	6,934
Total noninterest income	$48,000	7,431
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$29,000	6,311
Trading account gains and fees	$0	134
Additional Noninterest Income	$19,000	7,007
Total noninterest expense	$245,000	7,976
Salaries and employee benefits	$149,000	7,735
Premises and equipment expense	$17,000	8,567
Additional noninterest expense	$79,000	7,694
Pre-tax net operating income	$117,000	6,946
Securities gains (losses)	$0	2,891
Applicable income taxes	$18,000	6,161
Income before extraordinary items	$99,000	6,918
Extraordinary gains, net	$0	21
Net income	$99,000	6,920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,384
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$99,000	6,755
2002-12-31 (YTD Data)		Rank
Total interest income	$1,949,000	7,906
Total interest expense	$629,000	8,007
Net interest income	$1,320,000	7,737
Provision for loan and lease losses	$30,000	7,191
Total noninterest income	$139,000	7,951
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$106,000	6,474
Trading account gains and fees	$0	153
Additional Noninterest Income	$33,000	8,097
Total noninterest expense	$879,000	8,193
Salaries and employee benefits	$550,000	7,931
Premises and equipment expense	$57,000	8,790
Additional noninterest expense	$272,000	8,010
Pre-tax net operating income	$550,000	6,579
Securities gains (losses)	$0	4,537
Applicable income taxes	$114,000	5,834
Income before extraordinary items	$436,000	6,667
Extraordinary gains, net	$0	70
Net income	$436,000	6,666
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,606
Cash dividends	$200,000	4,872
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$436,000	6,541
2001-12-31 (YTD Data)		Rank
Total interest income	$2,131,000	8,084
Total interest expense	$964,000	8,096
Net interest income	$1,167,000	7,951
Provision for loan and lease losses	$25,000	7,375
Total noninterest income	$115,000	8,307
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$83,000	6,914
Trading account gains and fees	$0	177
Additional Noninterest Income	$32,000	8,285
Total noninterest expense	$835,000	8,376
Salaries and employee benefits	$511,000	8,125
Premises and equipment expense	$56,000	9,022
Additional noninterest expense	$268,000	8,090
Pre-tax net operating income	$422,000	6,876
Securities gains (losses)	$2,000	4,242
Applicable income taxes	$81,000	6,246
Income before extraordinary items	$343,000	6,868
Extraordinary gains, net	$0	105
Net income	$343,000	6,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,793
Cash dividends	$120,000	5,590
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$341,380	6,768
2000-12-31 (YTD Data)		Rank
Total interest income	$2,115,000	8,293
Total interest expense	$966,000	8,291
Net interest income	$1,149,000	8,189
Provision for loan and lease losses	$30,000	7,204
Total noninterest income	$98,000	8,618
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	7,312
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	8,376
Total noninterest expense	$772,000	8,640
Salaries and employee benefits	$485,000	8,320
Premises and equipment expense	$56,000	9,254
Additional noninterest expense	$231,000	8,494
Pre-tax net operating income	$445,000	7,255
Securities gains (losses)	$0	1,956
Applicable income taxes	$75,000	6,855
Income before extraordinary items	$370,000	7,036
Extraordinary gains, net	$0	38
Net income	$370,000	7,034
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	5,720
Cash dividends	$120,000	5,762
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$370,000	7,034
1999-12-31 (YTD Data)		Rank
Total interest income	$1,983,000	8,524
Total interest expense	$827,000	8,622
Net interest income	$1,156,000	8,287
Provision for loan and lease losses	$40,000	6,849
Total noninterest income	$98,000	8,856
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	7,426
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	8,795
Total noninterest expense	$727,000	8,955
Salaries and employee benefits	$440,000	8,676
Premises and equipment expense	$50,000	9,632
Additional noninterest expense	$237,000	8,683
Pre-tax net operating income	$487,000	7,196
Securities gains (losses)	$0	3,155
Applicable income taxes	$98,000	6,945
Income before extraordinary items	$389,000	7,050
Extraordinary gains, net	$0	35
Net income	$389,000	7,051
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,288
Cash dividends	$96,000	6,156
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$389,000	7,021
1998-12-31 (YTD Data)		Rank
Total interest income	$1,939,000	8,758
Total interest expense	$862,000	8,784
Net interest income	$1,077,000	8,616
Provision for loan and lease losses	$135,000	4,381
Total noninterest income	$129,000	8,562
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	7,455
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	7,951
Total noninterest expense	$644,000	9,281
Salaries and employee benefits	$405,000	8,937
Premises and equipment expense	$38,000	10,066
Additional noninterest expense	$201,000	9,102
Pre-tax net operating income	$427,000	7,728
Securities gains (losses)	$0	4,449
Applicable income taxes	$129,000	7,122
Income before extraordinary items	$298,000	7,908
Extraordinary gains, net	$0	32
Net income	$298,000	7,907
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,338
Cash dividends	$80,000	6,486
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$298,000	7,824
1997-12-31 (YTD Data)		Rank
Total interest income	$1,803,000	9,271
Total interest expense	$762,000	9,361
Net interest income	$1,041,000	9,088
Provision for loan and lease losses	$40,000	7,002
Total noninterest income	$102,000	9,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	7,514
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	10,083
Total noninterest expense	$569,000	9,860
Salaries and employee benefits	$339,000	9,667
Premises and equipment expense	$38,000	10,474
Additional noninterest expense	$192,000	9,519
Pre-tax net operating income	$534,000	7,738
Securities gains (losses)	$0	3,944
Applicable income taxes	$160,000	7,457
Income before extraordinary items	$374,000	7,821
Extraordinary gains, net	$0	44
Net income	$374,000	7,824
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,606
Cash dividends	$80,000	6,752
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$374,000	7,764
1996-12-31 (YTD Data)		Rank
Total interest income	$1,643,000	9,912
Total interest expense	$666,000	10,075
Net interest income	$977,000	9,618
Provision for loan and lease losses	$44,000	6,866
Total noninterest income	$108,000	9,748
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	7,725
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	10,521
Total noninterest expense	$524,000	10,482
Salaries and employee benefits	$323,000	10,148
Premises and equipment expense	$32,000	11,103
Additional noninterest expense	$169,000	10,316
Pre-tax net operating income	$517,000	7,837
Securities gains (losses)	$0	4,148
Applicable income taxes	$130,000	8,215
Income before extraordinary items	$387,000	7,737
Extraordinary gains, net	$0	53
Net income	$387,000	7,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,548
Cash dividends	$64,000	7,301
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$387,000	7,679
1995-12-31 (YTD Data)		Rank
Total interest income	$1,587,000	10,370
Total interest expense	$650,000	10,486
Net interest income	$937,000	10,126
Provision for loan and lease losses	$0	8,958
Total noninterest income	$103,000	10,194
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	8,029
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	11,328
Total noninterest expense	$490,000	11,060
Salaries and employee benefits	$309,000	10,667
Premises and equipment expense	$28,000	11,660
Additional noninterest expense	$153,000	11,018
Pre-tax net operating income	$550,000	8,179
Securities gains (losses)	$0	3,831
Applicable income taxes	$153,000	8,204
Income before extraordinary items	$397,000	8,108
Extraordinary gains, net	$0	65
Net income	$397,000	8,107
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	10,354
Cash dividends	$64,000	7,502
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$397,000	8,068
1994-12-31 (YTD Data)		Rank
Total interest income	$1,492,000	10,747
Total interest expense	$495,000	11,125
Net interest income	$997,000	10,399
Provision for loan and lease losses	$25,000	7,401
Total noninterest income	$101,000	10,716
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$84,000	8,561
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	11,641
Total noninterest expense	$489,000	11,671
Salaries and employee benefits	$298,000	11,226
Premises and equipment expense	$22,000	12,402
Additional noninterest expense	$169,000	11,537
Pre-tax net operating income	$584,000	8,096
Securities gains (losses)	$0	3,600
Applicable income taxes	$166,000	8,002
Income before extraordinary items	$418,000	8,013
Extraordinary gains, net	$0	249
Net income	$418,000	8,020
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$64,000	7,633
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$418,000	8,056
1993-12-31 (YTD Data)		Rank
Total interest income	$1,472,000	11,304
Total interest expense	$490,000	11,724
Net interest income	$982,000	10,850
Provision for loan and lease losses	$100,000	5,727
Total noninterest income	$103,000	11,256
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	9,003
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	11,812
Total noninterest expense	$446,000	12,431
Salaries and employee benefits	$246,000	12,225
Premises and equipment expense	$20,000	13,077
Additional noninterest expense	$180,000	12,017
Pre-tax net operating income	$539,000	8,380
Securities gains (losses)	$0	7,477
Applicable income taxes	$148,000	8,695
Income before extraordinary items	$391,000	8,526
Extraordinary gains, net	$0	3,149
Net income	$391,000	8,687
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	7,654
Cash dividends	$64,000	7,634
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$391,000	8,254
1992-12-31 (YTD Data)		Rank
Total interest income	$1,570,000	11,805
Total interest expense	$605,000	12,268
Net interest income	$965,000	11,227
Provision for loan and lease losses	$42,000	9,403
Total noninterest income	$63,000	12,761
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	9,885
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	13,804
Total noninterest expense	$517,000	12,543
Salaries and employee benefits	$210,000	13,050
Premises and equipment expense	$19,000	13,693
Additional noninterest expense	$288,000	11,000
Pre-tax net operating income	$469,000	8,645
Securities gains (losses)	$0	8,369
Applicable income taxes	$87,000	10,252
Income before extraordinary items	$382,000	8,399
Extraordinary gains, net	$0	1,422
Net income	$382,000	8,522
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	6,412
Cash dividends	$48,000	7,787
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$382,000	8,037

* 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.