Home > First State Bank > Income and Expense
First State Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,935,000 | 4,773 |
| Total interest expense | $1,274,000 | 4,088 |
| Net interest income | $1,661,000 | 5,108 |
| Provision for loan and lease losses | $3,515,000 | 976 |
| Total noninterest income | $294,000 | 4,466 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $186,000 | 3,448 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $108,000 | 4,657 |
| Total noninterest expense | $3,833,000 | 2,607 |
| Salaries and employee benefits | $1,079,000 | 4,202 |
| Premises and equipment expense | $628,000 | 2,176 |
| Additional noninterest expense | $2,126,000 | 1,715 |
| Pre-tax net operating income | $-5,393,000 | 7,762 |
| Securities gains (losses) | $-12,000 | 7,492 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-5,405,000 | 7,823 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,405,000 | 7,822 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-5,405,000 | 7,822 |
| Net charge-offs | $4,072,000 | 673 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-5,393,000 | 7,835 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,460,000 | 4,824 |
| Total interest expense | $668,000 | 4,077 |
| Net interest income | $792,000 | 5,240 |
| Provision for loan and lease losses | $870,000 | 1,286 |
| Total noninterest income | $126,000 | 4,776 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $74,000 | 3,855 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $52,000 | 4,774 |
| Total noninterest expense | $1,365,000 | 3,393 |
| Salaries and employee benefits | $563,000 | 4,090 |
| Premises and equipment expense | $338,000 | 2,065 |
| Additional noninterest expense | $464,000 | 3,197 |
| Pre-tax net operating income | $-1,317,000 | 7,718 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-227,000 | 7,741 |
| Income before extraordinary items | $-1,090,000 | 7,726 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,090,000 | 7,729 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,090,000 | 7,728 |
| Net charge-offs | $2,060,000 | 596 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,090,000 | 7,722 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,037,000 | 4,475 |
| Total interest expense | $2,726,000 | 4,517 |
| Net interest income | $4,311,000 | 4,341 |
| Provision for loan and lease losses | $4,132,000 | 1,151 |
| Total noninterest income | $522,000 | 4,744 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $284,000 | 4,118 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $238,000 | 4,536 |
| Total noninterest expense | $5,039,000 | 3,546 |
| Salaries and employee benefits | $2,514,000 | 3,769 |
| Premises and equipment expense | $1,040,000 | 2,530 |
| Additional noninterest expense | $1,485,000 | 3,640 |
| Pre-tax net operating income | $-4,338,000 | 7,745 |
| Securities gains (losses) | $18,000 | 2,241 |
| Applicable income taxes | $-363,000 | 7,382 |
| Income before extraordinary items | $-3,957,000 | 7,730 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,957,000 | 7,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,827,000 | 1,374 |
| Cash dividends | $220,000 | 4,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-3,973,560 | 7,799 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,526,000 | 4,412 |
| Total interest expense | $2,036,000 | 4,654 |
| Net interest income | $3,490,000 | 4,170 |
| Provision for loan and lease losses | $1,789,000 | 1,271 |
| Total noninterest income | $387,000 | 4,884 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $205,000 | 4,199 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $182,000 | 4,610 |
| Total noninterest expense | $3,812,000 | 3,498 |
| Salaries and employee benefits | $2,006,000 | 3,609 |
| Premises and equipment expense | $780,000 | 2,549 |
| Additional noninterest expense | $1,026,000 | 3,789 |
| Pre-tax net operating income | $-1,724,000 | 7,795 |
| Securities gains (losses) | $18,000 | 2,081 |
| Applicable income taxes | $-363,000 | 7,802 |
| Income before extraordinary items | $-1,343,000 | 7,652 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,343,000 | 7,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $907,000 | 1,389 |
| Cash dividends | $220,000 | 3,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,357,220 | 7,757 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,691,000 | 4,462 |
| Total interest expense | $1,405,000 | 4,691 |
| Net interest income | $2,286,000 | 4,219 |
| Provision for loan and lease losses | $80,000 | 4,586 |
| Total noninterest income | $241,000 | 5,065 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $130,000 | 4,315 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $111,000 | 4,867 |
| Total noninterest expense | $2,549,000 | 3,510 |
| Salaries and employee benefits | $1,378,000 | 3,559 |
| Premises and equipment expense | $521,000 | 2,548 |
| Additional noninterest expense | $650,000 | 3,926 |
| Pre-tax net operating income | $-102,000 | 7,193 |
| Securities gains (losses) | $18,000 | 2,122 |
| Applicable income taxes | $-5,000 | 7,581 |
| Income before extraordinary items | $-79,000 | 7,212 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-79,000 | 7,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,051 |
| Cash dividends | $150,000 | 3,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-95,920 | 7,215 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,936,000 | 4,412 |
| Total interest expense | $740,000 | 4,734 |
| Net interest income | $1,196,000 | 4,115 |
| Provision for loan and lease losses | $20,000 | 4,875 |
| Total noninterest income | $112,000 | 5,213 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $58,000 | 4,507 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $54,000 | 4,896 |
| Total noninterest expense | $1,309,000 | 3,457 |
| Salaries and employee benefits | $762,000 | 3,306 |
| Premises and equipment expense | $261,000 | 2,574 |
| Additional noninterest expense | $286,000 | 4,266 |
| Pre-tax net operating income | $-21,000 | 7,286 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-4,000 | 7,784 |
| Income before extraordinary items | $-17,000 | 7,372 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-17,000 | 7,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,107 |
| Cash dividends | $75,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-17,000 | 7,297 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,375,000 | 4,604 |
| Total interest expense | $2,563,000 | 5,190 |
| Net interest income | $4,812,000 | 4,108 |
| Provision for loan and lease losses | $138,000 | 4,449 |
| Total noninterest income | $362,000 | 5,697 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $165,000 | 5,259 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $197,000 | 5,089 |
| Total noninterest expense | $4,614,000 | 3,691 |
| Salaries and employee benefits | $2,539,000 | 3,678 |
| Premises and equipment expense | $825,000 | 2,998 |
| Additional noninterest expense | $1,250,000 | 3,959 |
| Pre-tax net operating income | $422,000 | 6,212 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $161,000 | 4,066 |
| Income before extraordinary items | $261,000 | 6,566 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $261,000 | 6,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,829 |
| Cash dividends | $295,000 | 4,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $261,000 | 6,550 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,389,000 | 4,692 |
| Total interest expense | $1,800,000 | 5,383 |
| Net interest income | $3,589,000 | 4,146 |
| Provision for loan and lease losses | $118,000 | 3,891 |
| Total noninterest income | $257,000 | 5,855 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $117,000 | 5,376 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $140,000 | 5,221 |
| Total noninterest expense | $3,341,000 | 3,776 |
| Salaries and employee benefits | $1,881,000 | 3,703 |
| Premises and equipment expense | $570,000 | 3,202 |
| Additional noninterest expense | $890,000 | 4,044 |
| Pre-tax net operating income | $387,000 | 6,210 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $168,000 | 3,919 |
| Income before extraordinary items | $219,000 | 6,718 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $219,000 | 6,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,320 |
| Cash dividends | $225,000 | 3,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $219,000 | 6,710 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,419,000 | 4,834 |
| Total interest expense | $1,067,000 | 5,711 |
| Net interest income | $2,352,000 | 4,235 |
| Provision for loan and lease losses | $88,000 | 3,568 |
| Total noninterest income | $160,000 | 6,019 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $77,000 | 5,411 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $83,000 | 5,442 |
| Total noninterest expense | $2,089,000 | 4,000 |
| Salaries and employee benefits | $1,220,000 | 3,826 |
| Premises and equipment expense | $336,000 | 3,549 |
| Additional noninterest expense | $533,000 | 4,388 |
| Pre-tax net operating income | $335,000 | 5,844 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $142,000 | 3,717 |
| Income before extraordinary items | $193,000 | 6,423 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $193,000 | 6,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $140,000 | 4,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $193,000 | 6,420 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,605,000 | 5,020 |
| Total interest expense | $473,000 | 5,990 |
| Net interest income | $1,132,000 | 4,334 |
| Provision for loan and lease losses | $43,000 | 3,380 |
| Total noninterest income | $80,000 | 5,979 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $38,000 | 5,408 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $42,000 | 5,429 |
| Total noninterest expense | $1,029,000 | 4,056 |
| Salaries and employee benefits | $629,000 | 3,755 |
| Premises and equipment expense | $160,000 | 3,698 |
| Additional noninterest expense | $240,000 | 4,674 |
| Pre-tax net operating income | $140,000 | 6,166 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $59,000 | 3,933 |
| Income before extraordinary items | $81,000 | 6,696 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $81,000 | 6,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $70,000 | 3,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $81,000 | 6,681 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,425,000 | 4,790 |
| Total interest expense | $1,704,000 | 5,815 |
| Net interest income | $4,721,000 | 4,188 |
| Provision for loan and lease losses | $237,000 | 3,229 |
| Total noninterest income | $251,000 | 6,521 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $226,000 | 4,729 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $25,000 | 7,832 |
| Total noninterest expense | $3,518,000 | 4,394 |
| Salaries and employee benefits | $1,745,000 | 4,723 |
| Premises and equipment expense | $573,000 | 3,896 |
| Additional noninterest expense | $1,200,000 | 3,933 |
| Pre-tax net operating income | $1,217,000 | 4,760 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $463,000 | 3,250 |
| Income before extraordinary items | $754,000 | 5,343 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $754,000 | 5,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,149 |
| Cash dividends | $165,000 | 5,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $754,000 | 5,335 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,803,000 | 4,794 |
| Total interest expense | $1,239,000 | 5,841 |
| Net interest income | $3,564,000 | 4,188 |
| Provision for loan and lease losses | $194,000 | 2,927 |
| Total noninterest income | $182,000 | 6,636 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $169,000 | 4,780 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $13,000 | 8,103 |
| Total noninterest expense | $2,494,000 | 4,548 |
| Salaries and employee benefits | $1,329,000 | 4,637 |
| Premises and equipment expense | $390,000 | 4,163 |
| Additional noninterest expense | $775,000 | 4,375 |
| Pre-tax net operating income | $1,058,000 | 4,604 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $456,000 | 2,981 |
| Income before extraordinary items | $602,000 | 5,348 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $602,000 | 5,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,313 |
| Cash dividends | $105,000 | 4,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $602,000 | 5,346 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,145,000 | 4,805 |
| Total interest expense | $748,000 | 5,980 |
| Net interest income | $2,397,000 | 4,168 |
| Provision for loan and lease losses | $129,000 | 2,901 |
| Total noninterest income | $111,000 | 6,803 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $67,000 | 5,790 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $44,000 | 6,558 |
| Total noninterest expense | $1,670,000 | 4,546 |
| Salaries and employee benefits | $914,000 | 4,562 |
| Premises and equipment expense | $244,000 | 4,337 |
| Additional noninterest expense | $512,000 | 4,408 |
| Pre-tax net operating income | $709,000 | 4,603 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $308,000 | 3,008 |
| Income before extraordinary items | $401,000 | 5,386 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $401,000 | 5,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,097 |
| Cash dividends | $30,000 | 4,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $401,000 | 5,384 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,420,000 | 5,083 |
| Total interest expense | $305,000 | 6,353 |
| Net interest income | $1,115,000 | 4,387 |
| Provision for loan and lease losses | $65,000 | 2,715 |
| Total noninterest income | $43,000 | 7,194 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $32,000 | 5,806 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,462 |
| Total noninterest expense | $841,000 | 4,531 |
| Salaries and employee benefits | $463,000 | 4,536 |
| Premises and equipment expense | $143,000 | 3,936 |
| Additional noninterest expense | $235,000 | 4,650 |
| Pre-tax net operating income | $252,000 | 5,358 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $118,000 | 3,364 |
| Income before extraordinary items | $134,000 | 6,186 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $134,000 | 6,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $134,000 | 6,188 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,806,000 | 5,285 |
| Total interest expense | $1,053,000 | 6,153 |
| Net interest income | $3,753,000 | 4,815 |
| Provision for loan and lease losses | $97,000 | 4,882 |
| Total noninterest income | $254,000 | 6,645 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $169,000 | 5,396 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $85,000 | 6,655 |
| Total noninterest expense | $2,703,000 | 5,114 |
| Salaries and employee benefits | $1,499,000 | 5,052 |
| Premises and equipment expense | $536,000 | 3,979 |
| Additional noninterest expense | $668,000 | 5,727 |
| Pre-tax net operating income | $1,207,000 | 4,893 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $480,000 | 3,434 |
| Income before extraordinary items | $727,000 | 5,585 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $727,000 | 5,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,441 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $727,000 | 5,553 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,421,000 | 5,406 |
| Total interest expense | $761,000 | 6,140 |
| Net interest income | $2,660,000 | 4,996 |
| Provision for loan and lease losses | $84,000 | 4,550 |
| Total noninterest income | $243,000 | 6,198 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $129,000 | 5,380 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $114,000 | 5,708 |
| Total noninterest expense | $1,995,000 | 5,145 |
| Salaries and employee benefits | $1,102,000 | 5,089 |
| Premises and equipment expense | $397,000 | 3,995 |
| Additional noninterest expense | $496,000 | 5,724 |
| Pre-tax net operating income | $824,000 | 5,262 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $307,000 | 3,766 |
| Income before extraordinary items | $517,000 | 5,821 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $517,000 | 5,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-83,000 | 8,587 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $517,000 | 5,790 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,115,000 | 5,574 |
| Total interest expense | $475,000 | 6,169 |
| Net interest income | $1,640,000 | 5,224 |
| Provision for loan and lease losses | $62,000 | 4,081 |
| Total noninterest income | $158,000 | 6,238 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $85,000 | 5,372 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $73,000 | 5,795 |
| Total noninterest expense | $1,317,000 | 5,174 |
| Salaries and employee benefits | $723,000 | 5,137 |
| Premises and equipment expense | $264,000 | 3,973 |
| Additional noninterest expense | $330,000 | 5,718 |
| Pre-tax net operating income | $419,000 | 5,867 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $144,000 | 4,311 |
| Income before extraordinary items | $275,000 | 6,306 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $275,000 | 6,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-86,000 | 8,629 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $275,000 | 6,258 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,010,000 | 5,701 |
| Total interest expense | $215,000 | 6,358 |
| Net interest income | $795,000 | 5,341 |
| Provision for loan and lease losses | $33,000 | 3,846 |
| Total noninterest income | $77,000 | 6,252 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $45,000 | 5,216 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 6,055 |
| Total noninterest expense | $665,000 | 5,180 |
| Salaries and employee benefits | $351,000 | 5,283 |
| Premises and equipment expense | $135,000 | 3,965 |
| Additional noninterest expense | $179,000 | 5,430 |
| Pre-tax net operating income | $174,000 | 6,269 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $39,000 | 5,067 |
| Income before extraordinary items | $135,000 | 6,321 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $135,000 | 6,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $135,000 | 6,276 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,359,000 | 6,083 |
| Total interest expense | $708,000 | 6,566 |
| Net interest income | $2,651,000 | 5,817 |
| Provision for loan and lease losses | $167,000 | 4,066 |
| Total noninterest income | $242,000 | 6,830 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $148,000 | 5,807 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $94,000 | 6,521 |
| Total noninterest expense | $2,182,000 | 5,726 |
| Salaries and employee benefits | $1,157,000 | 5,806 |
| Premises and equipment expense | $439,000 | 4,488 |
| Additional noninterest expense | $586,000 | 6,064 |
| Pre-tax net operating income | $544,000 | 6,566 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $92,000 | 5,595 |
| Income before extraordinary items | $452,000 | 6,540 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $452,000 | 6,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,122 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $452,000 | 6,477 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,451,000 | 6,173 |
| Total interest expense | $510,000 | 6,655 |
| Net interest income | $1,941,000 | 5,892 |
| Provision for loan and lease losses | $161,000 | 3,406 |
| Total noninterest income | $177,000 | 6,914 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $105,000 | 5,965 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $72,000 | 6,503 |
| Total noninterest expense | $1,606,000 | 5,756 |
| Salaries and employee benefits | $861,000 | 5,793 |
| Premises and equipment expense | $322,000 | 4,542 |
| Additional noninterest expense | $423,000 | 6,144 |
| Pre-tax net operating income | $351,000 | 6,954 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $73,000 | 5,669 |
| Income before extraordinary items | $278,000 | 7,043 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $278,000 | 7,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 2,355 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $278,000 | 6,977 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,615,000 | 6,221 |
| Total interest expense | $330,000 | 6,759 |
| Net interest income | $1,285,000 | 5,919 |
| Provision for loan and lease losses | $86,000 | 3,821 |
| Total noninterest income | $114,000 | 6,996 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $73,000 | 5,890 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $41,000 | 6,763 |
| Total noninterest expense | $1,071,000 | 5,782 |
| Salaries and employee benefits | $571,000 | 5,842 |
| Premises and equipment expense | $210,000 | 4,621 |
| Additional noninterest expense | $290,000 | 6,073 |
| Pre-tax net operating income | $242,000 | 6,882 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $59,000 | 5,455 |
| Income before extraordinary items | $183,000 | 7,044 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $183,000 | 7,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,266 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $183,000 | 6,972 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $787,000 | 6,325 |
| Total interest expense | $160,000 | 6,900 |
| Net interest income | $627,000 | 6,002 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $56,000 | 7,006 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $35,000 | 5,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $21,000 | 6,731 |
| Total noninterest expense | $538,000 | 5,804 |
| Salaries and employee benefits | $285,000 | 5,888 |
| Premises and equipment expense | $102,000 | 4,723 |
| Additional noninterest expense | $151,000 | 5,975 |
| Pre-tax net operating income | $120,000 | 6,855 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $30,000 | 5,394 |
| Income before extraordinary items | $90,000 | 7,065 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $90,000 | 7,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $90,000 | 6,975 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,692,000 | 6,850 |
| Total interest expense | $615,000 | 7,348 |
| Net interest income | $2,077,000 | 6,465 |
| Provision for loan and lease losses | $152,000 | 4,550 |
| Total noninterest income | $224,000 | 7,149 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $128,000 | 6,168 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $96,000 | 6,607 |
| Total noninterest expense | $1,834,000 | 6,293 |
| Salaries and employee benefits | $996,000 | 6,284 |
| Premises and equipment expense | $304,000 | 5,630 |
| Additional noninterest expense | $534,000 | 6,355 |
| Pre-tax net operating income | $315,000 | 7,375 |
| Securities gains (losses) | $5,000 | 3,903 |
| Applicable income taxes | $53,000 | 6,235 |
| Income before extraordinary items | $267,000 | 7,439 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $267,000 | 7,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $262,850 | 7,313 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,029,000 | 6,911 |
| Total interest expense | $466,000 | 7,470 |
| Net interest income | $1,563,000 | 6,498 |
| Provision for loan and lease losses | $145,000 | 3,973 |
| Total noninterest income | $199,000 | 6,879 |
| 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 | $106,000 | 5,966 |
| Total noninterest expense | $1,321,000 | 6,394 |
| Salaries and employee benefits | $750,000 | 6,235 |
| Premises and equipment expense | $204,000 | 5,957 |
| Additional noninterest expense | $367,000 | 6,597 |
| Pre-tax net operating income | $296,000 | 7,196 |
| Securities gains (losses) | $5,000 | 3,620 |
| Applicable income taxes | $81,000 | 5,792 |
| Income before extraordinary items | $220,000 | 7,456 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $220,000 | 7,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,966 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $216,350 | 7,328 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,348,000 | 6,967 |
| Total interest expense | $319,000 | 7,523 |
| Net interest income | $1,029,000 | 6,559 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $136,000 | 6,829 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $60,000 | 6,305 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $76,000 | 5,812 |
| Total noninterest expense | $868,000 | 6,451 |
| Salaries and employee benefits | $509,000 | 6,198 |
| Premises and equipment expense | $128,000 | 6,096 |
| Additional noninterest expense | $231,000 | 6,761 |
| Pre-tax net operating income | $197,000 | 7,240 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $54,000 | 5,837 |
| Income before extraordinary items | $148,000 | 7,471 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $148,000 | 7,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $144,350 | 7,315 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $645,000 | 7,132 |
| Total interest expense | $163,000 | 7,577 |
| Net interest income | $482,000 | 6,756 |
| Provision for loan and lease losses | $44,000 | 4,021 |
| Total noninterest income | $67,000 | 6,806 |
| 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 | $38,000 | 5,786 |
| Total noninterest expense | $444,000 | 6,381 |
| Salaries and employee benefits | $273,000 | 5,939 |
| Premises and equipment expense | $63,000 | 6,146 |
| Additional noninterest expense | $108,000 | 6,949 |
| Pre-tax net operating income | $61,000 | 7,828 |
| Securities gains (losses) | $5,000 | 2,406 |
| Applicable income taxes | $19,000 | 6,113 |
| Income before extraordinary items | $47,000 | 7,959 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $47,000 | 7,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $43,450 | 7,881 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,194,000 | 7,651 |
| Total interest expense | $599,000 | 8,098 |
| Net interest income | $1,595,000 | 7,279 |
| Provision for loan and lease losses | $136,000 | 5,113 |
| Total noninterest income | $353,000 | 6,078 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $114,000 | 6,335 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $239,000 | 4,685 |
| Total noninterest expense | $1,851,000 | 6,153 |
| Salaries and employee benefits | $986,000 | 6,195 |
| Premises and equipment expense | $277,000 | 5,803 |
| Additional noninterest expense | $588,000 | 6,007 |
| Pre-tax net operating income | $-39,000 | 8,695 |
| Securities gains (losses) | $66,000 | 2,156 |
| Applicable income taxes | $25,000 | 6,930 |
| Income before extraordinary items | $2,000 | 8,716 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,000 | 8,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,049 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $968,000 | 395 |
| Net operating income | $-40,240 | 8,711 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,955,000 | 8,262 |
| Total interest expense | $816,000 | 8,399 |
| Net interest income | $1,139,000 | 8,008 |
| Provision for loan and lease losses | $14,000 | 7,788 |
| Total noninterest income | $260,000 | 6,772 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $78,000 | 7,020 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $182,000 | 5,143 |
| Total noninterest expense | $1,688,000 | 6,365 |
| Salaries and employee benefits | $905,000 | 6,347 |
| Premises and equipment expense | $300,000 | 5,518 |
| Additional noninterest expense | $483,000 | 6,552 |
| Pre-tax net operating income | $-303,000 | 9,038 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-63,000 | 9,189 |
| Income before extraordinary items | $-240,000 | 9,086 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-240,000 | 9,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-240,000 | 9,027 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,672,000 | 8,763 |
| Total interest expense | $677,000 | 8,908 |
| Net interest income | $995,000 | 8,492 |
| Provision for loan and lease losses | $64,000 | 6,118 |
| Total noninterest income | $140,000 | 8,035 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 7,530 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 6,759 |
| Total noninterest expense | $1,192,000 | 7,524 |
| Salaries and employee benefits | $609,000 | 7,654 |
| Premises and equipment expense | $200,000 | 6,773 |
| Additional noninterest expense | $383,000 | 7,287 |
| Pre-tax net operating income | $-121,000 | 9,269 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-14,000 | 9,353 |
| Income before extraordinary items | $-107,000 | 9,276 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-107,000 | 9,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-107,000 | 9,271 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $825,000 | 9,756 |
| Total interest expense | $328,000 | 9,763 |
| Net interest income | $497,000 | 9,687 |
| Provision for loan and lease losses | $84,000 | 5,577 |
| Total noninterest income | $60,000 | 9,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 8,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,132 |
| Total noninterest expense | $847,000 | 8,604 |
| Salaries and employee benefits | $471,000 | 8,505 |
| Premises and equipment expense | $134,000 | 7,956 |
| Additional noninterest expense | $242,000 | 8,638 |
| Pre-tax net operating income | $-374,000 | 9,758 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-88,000 | 9,901 |
| Income before extraordinary items | $-286,000 | 9,755 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-286,000 | 9,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-286,000 | 9,733 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $86,000 | 10,416 |
| Total interest expense | $37,000 | 10,353 |
| Net interest income | $49,000 | 10,421 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $2,000 | 10,382 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,352 |
| Total noninterest expense | $265,000 | 10,311 |
| Salaries and employee benefits | $140,000 | 10,289 |
| Premises and equipment expense | $43,000 | 9,960 |
| Additional noninterest expense | $82,000 | 10,250 |
| Pre-tax net operating income | $-224,000 | 10,012 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-42,000 | 10,119 |
| Income before extraordinary items | $-182,000 | 10,032 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-182,000 | 10,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $3,250,000 | 311 |
| Net operating income | $-182,000 | 9,998 |
* 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.