Home > First State Bank > Income and Expense
First State Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $938,000 | 7,006 |
| Total interest expense | $154,000 | 6,981 |
| Net interest income | $784,000 | 6,964 |
| Provision for loan and lease losses | $-44,000 | 7,319 |
| Total noninterest income | $145,000 | 5,876 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $48,000 | 6,117 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $97,000 | 5,129 |
| Total noninterest expense | $895,000 | 6,677 |
| Salaries and employee benefits | $522,000 | 6,513 |
| Premises and equipment expense | $79,000 | 6,820 |
| Additional noninterest expense | $294,000 | 6,626 |
| Pre-tax net operating income | $78,000 | 5,895 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-1,000 | 6,712 |
| Income before extraordinary items | $79,000 | 5,979 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 5,980 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $79,000 | 5,980 |
| Net charge-offs | $-92,000 | 7,314 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $79,000 | 5,868 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $640,000 | 7,059 |
| Total interest expense | $110,000 | 7,022 |
| Net interest income | $530,000 | 7,012 |
| Provision for loan and lease losses | $12,000 | 5,900 |
| Total noninterest income | $109,000 | 5,745 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $34,000 | 6,037 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $75,000 | 4,988 |
| Total noninterest expense | $580,000 | 6,782 |
| Salaries and employee benefits | $321,000 | 6,693 |
| Premises and equipment expense | $50,000 | 6,919 |
| Additional noninterest expense | $209,000 | 6,615 |
| Pre-tax net operating income | $47,000 | 5,962 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $6,000 | 4,255 |
| Income before extraordinary items | $41,000 | 6,066 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $41,000 | 6,065 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $41,000 | 6,066 |
| Net charge-offs | $-92,000 | 7,371 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $41,000 | 5,980 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $338,000 | 7,048 |
| Total interest expense | $58,000 | 7,056 |
| Net interest income | $280,000 | 6,987 |
| Provision for loan and lease losses | $6,000 | 5,552 |
| Total noninterest income | $61,000 | 5,688 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $12,000 | 6,371 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $49,000 | 4,699 |
| Total noninterest expense | $289,000 | 6,836 |
| Salaries and employee benefits | $162,000 | 6,710 |
| Premises and equipment expense | $25,000 | 6,959 |
| Additional noninterest expense | $102,000 | 6,699 |
| Pre-tax net operating income | $46,000 | 5,813 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $3,000 | 4,206 |
| Income before extraordinary items | $43,000 | 5,810 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $43,000 | 5,809 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $43,000 | 5,810 |
| Net charge-offs | $-45,000 | 7,340 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $43,000 | 5,776 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,517,000 | 7,038 |
| Total interest expense | $381,000 | 6,845 |
| Net interest income | $1,136,000 | 7,032 |
| Provision for loan and lease losses | $64,000 | 6,326 |
| Total noninterest income | $198,000 | 5,966 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $71,000 | 5,907 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $127,000 | 5,160 |
| Total noninterest expense | $1,305,000 | 6,741 |
| Salaries and employee benefits | $684,000 | 6,731 |
| Premises and equipment expense | $100,000 | 7,051 |
| Additional noninterest expense | $521,000 | 6,439 |
| Pre-tax net operating income | $-35,000 | 5,849 |
| Securities gains (losses) | $39,000 | 2,801 |
| Applicable income taxes | $1,000 | 4,548 |
| Income before extraordinary items | $3,000 | 5,955 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,000 | 5,955 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $3,000 | 5,955 |
| Net charge-offs | $479,000 | 3,713 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-26,250 | 5,887 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,215,000 | 7,080 |
| Total interest expense | $297,000 | 6,939 |
| Net interest income | $918,000 | 7,048 |
| Provision for loan and lease losses | $11,000 | 6,817 |
| Total noninterest income | $195,000 | 5,723 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $51,000 | 6,028 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $144,000 | 4,706 |
| Total noninterest expense | $1,009,000 | 6,747 |
| Salaries and employee benefits | $542,000 | 6,673 |
| Premises and equipment expense | $90,000 | 6,972 |
| Additional noninterest expense | $377,000 | 6,551 |
| Pre-tax net operating income | $93,000 | 5,638 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $14,000 | 4,127 |
| Income before extraordinary items | $79,000 | 5,820 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $79,000 | 5,822 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $79,000 | 5,822 |
| Net charge-offs | $246,000 | 3,972 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $79,000 | 5,668 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $814,000 | 7,134 |
| Total interest expense | $207,000 | 6,978 |
| Net interest income | $607,000 | 7,108 |
| Provision for loan and lease losses | $8,000 | 6,692 |
| Total noninterest income | $110,000 | 5,942 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $32,000 | 6,127 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $78,000 | 5,012 |
| Total noninterest expense | $664,000 | 6,825 |
| Salaries and employee benefits | $365,000 | 6,706 |
| Premises and equipment expense | $61,000 | 6,995 |
| Additional noninterest expense | $238,000 | 6,668 |
| Pre-tax net operating income | $45,000 | 5,845 |
| Securities gains (losses) | $38,000 | 2,052 |
| Applicable income taxes | $9,000 | 4,121 |
| Income before extraordinary items | $74,000 | 5,720 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $74,000 | 5,722 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $74,000 | 5,721 |
| Net charge-offs | $123,000 | 4,015 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $40,180 | 5,873 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $429,000 | 7,184 |
| Total interest expense | $107,000 | 7,057 |
| Net interest income | $322,000 | 7,119 |
| Provision for loan and lease losses | $5,000 | 6,354 |
| Total noninterest income | $73,000 | 5,579 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $15,000 | 6,220 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $58,000 | 4,439 |
| Total noninterest expense | $319,000 | 6,972 |
| Salaries and employee benefits | $181,000 | 6,802 |
| Premises and equipment expense | $29,000 | 7,134 |
| Additional noninterest expense | $109,000 | 6,877 |
| Pre-tax net operating income | $71,000 | 5,402 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $5,000 | 4,091 |
| Income before extraordinary items | $66,000 | 5,454 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $66,000 | 5,456 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $66,000 | 5,455 |
| Net charge-offs | $58,000 | 3,603 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $66,000 | 5,350 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,090,000 | 6,991 |
| Total interest expense | $709,000 | 6,666 |
| Net interest income | $1,381,000 | 7,039 |
| Provision for loan and lease losses | $1,020,000 | 3,470 |
| Total noninterest income | $413,000 | 5,066 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $62,000 | 6,303 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $351,000 | 3,731 |
| Total noninterest expense | $1,490,000 | 6,812 |
| Salaries and employee benefits | $710,000 | 6,945 |
| Premises and equipment expense | $108,000 | 7,309 |
| Additional noninterest expense | $672,000 | 6,230 |
| Pre-tax net operating income | $-716,000 | 6,120 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $2,000 | 4,160 |
| Income before extraordinary items | $-718,000 | 6,210 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-718,000 | 6,208 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-718,000 | 6,208 |
| Net charge-offs | $941,000 | 2,937 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-718,000 | 6,218 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,641,000 | 7,004 |
| Total interest expense | $580,000 | 6,663 |
| Net interest income | $1,061,000 | 7,045 |
| Provision for loan and lease losses | $890,000 | 2,955 |
| Total noninterest income | $370,000 | 4,814 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $48,000 | 6,312 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $322,000 | 3,504 |
| Total noninterest expense | $1,098,000 | 6,876 |
| Salaries and employee benefits | $529,000 | 6,982 |
| Premises and equipment expense | $86,000 | 7,303 |
| Additional noninterest expense | $483,000 | 6,335 |
| Pre-tax net operating income | $-557,000 | 6,378 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $12,000 | 3,988 |
| Income before extraordinary items | $-569,000 | 6,480 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-569,000 | 6,481 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-569,000 | 6,480 |
| Net charge-offs | $653,000 | 2,707 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-569,000 | 6,477 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,126,000 | 7,027 |
| Total interest expense | $419,000 | 6,622 |
| Net interest income | $707,000 | 7,081 |
| Provision for loan and lease losses | $460,000 | 3,074 |
| Total noninterest income | $95,000 | 6,454 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $28,000 | 6,462 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $67,000 | 5,424 |
| Total noninterest expense | $731,000 | 6,935 |
| Salaries and employee benefits | $352,000 | 7,063 |
| Premises and equipment expense | $60,000 | 7,332 |
| Additional noninterest expense | $319,000 | 6,374 |
| Pre-tax net operating income | $-389,000 | 6,530 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $8,000 | 4,086 |
| Income before extraordinary items | $-397,000 | 6,651 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-397,000 | 6,652 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-397,000 | 6,652 |
| Net charge-offs | $460,000 | 2,435 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-397,000 | 6,634 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $571,000 | 7,045 |
| Total interest expense | $218,000 | 6,656 |
| Net interest income | $353,000 | 7,106 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $60,000 | 6,100 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $13,000 | 6,516 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $47,000 | 4,942 |
| Total noninterest expense | $361,000 | 6,931 |
| Salaries and employee benefits | $183,000 | 7,028 |
| Premises and equipment expense | $30,000 | 7,367 |
| Additional noninterest expense | $148,000 | 6,343 |
| Pre-tax net operating income | $22,000 | 5,991 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $4,000 | 4,381 |
| Income before extraordinary items | $18,000 | 6,186 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $18,000 | 6,188 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $18,000 | 6,188 |
| Net charge-offs | $13,000 | 4,614 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $18,000 | 6,028 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,601,000 | 6,900 |
| Total interest expense | $1,107,000 | 6,603 |
| Net interest income | $1,494,000 | 7,015 |
| Provision for loan and lease losses | $220,000 | 5,097 |
| Total noninterest income | $196,000 | 6,514 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $70,000 | 6,338 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $126,000 | 5,607 |
| Total noninterest expense | $1,215,000 | 7,250 |
| Salaries and employee benefits | $576,000 | 7,473 |
| Premises and equipment expense | $141,000 | 7,215 |
| Additional noninterest expense | $498,000 | 6,633 |
| Pre-tax net operating income | $255,000 | 5,581 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $10,000 | 4,529 |
| Income before extraordinary items | $245,000 | 5,312 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $245,000 | 5,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 3,205 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $245,000 | 5,474 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,998,000 | 6,913 |
| Total interest expense | $864,000 | 6,635 |
| Net interest income | $1,134,000 | 7,037 |
| Provision for loan and lease losses | $60,000 | 5,691 |
| Total noninterest income | $146,000 | 6,638 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $55,000 | 6,327 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $91,000 | 5,778 |
| Total noninterest expense | $897,000 | 7,289 |
| Salaries and employee benefits | $439,000 | 7,483 |
| Premises and equipment expense | $81,000 | 7,573 |
| Additional noninterest expense | $377,000 | 6,606 |
| Pre-tax net operating income | $323,000 | 5,558 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $9,000 | 4,894 |
| Income before extraordinary items | $314,000 | 5,152 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $314,000 | 5,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,868 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $314,000 | 5,326 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,343,000 | 6,973 |
| Total interest expense | $609,000 | 6,651 |
| Net interest income | $734,000 | 7,121 |
| Provision for loan and lease losses | $30,000 | 5,577 |
| Total noninterest income | $108,000 | 6,548 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $39,000 | 6,277 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $69,000 | 5,660 |
| Total noninterest expense | $602,000 | 7,325 |
| Salaries and employee benefits | $295,000 | 7,536 |
| Premises and equipment expense | $53,000 | 7,641 |
| Additional noninterest expense | $254,000 | 6,610 |
| Pre-tax net operating income | $210,000 | 5,748 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $6,000 | 5,175 |
| Income before extraordinary items | $204,000 | 5,578 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $204,000 | 5,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,560 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $204,000 | 5,518 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $684,000 | 7,021 |
| Total interest expense | $321,000 | 6,702 |
| Net interest income | $363,000 | 7,181 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $77,000 | 5,937 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $19,000 | 6,289 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $58,000 | 4,758 |
| Total noninterest expense | $311,000 | 7,308 |
| Salaries and employee benefits | $155,000 | 7,487 |
| Premises and equipment expense | $27,000 | 7,657 |
| Additional noninterest expense | $129,000 | 6,548 |
| Pre-tax net operating income | $114,000 | 5,844 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $3,000 | 5,279 |
| Income before extraordinary items | $111,000 | 5,701 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $111,000 | 5,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,134 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $111,000 | 5,602 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,852,000 | 6,948 |
| Total interest expense | $1,373,000 | 6,602 |
| Net interest income | $1,479,000 | 7,141 |
| Provision for loan and lease losses | $474,000 | 2,422 |
| Total noninterest income | $237,000 | 6,486 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $98,000 | 6,044 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $139,000 | 5,697 |
| Total noninterest expense | $1,117,000 | 7,488 |
| Salaries and employee benefits | $559,000 | 7,647 |
| Premises and equipment expense | $101,000 | 7,735 |
| Additional noninterest expense | $457,000 | 6,796 |
| Pre-tax net operating income | $125,000 | 7,076 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 5,973 |
| Income before extraordinary items | $124,000 | 7,058 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $124,000 | 7,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $548,000 | 1,584 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $124,000 | 7,031 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,133,000 | 6,994 |
| Total interest expense | $1,042,000 | 6,616 |
| Net interest income | $1,091,000 | 7,223 |
| Provision for loan and lease losses | $474,000 | 1,644 |
| Total noninterest income | $198,000 | 6,323 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $79,000 | 5,996 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $119,000 | 5,491 |
| Total noninterest expense | $827,000 | 7,486 |
| Salaries and employee benefits | $424,000 | 7,614 |
| Premises and equipment expense | $56,000 | 8,005 |
| Additional noninterest expense | $347,000 | 6,761 |
| Pre-tax net operating income | $-12,000 | 7,671 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-12,000 | 7,710 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-12,000 | 7,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $586,000 | 959 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-12,000 | 7,686 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,402,000 | 7,059 |
| Total interest expense | $694,000 | 6,637 |
| Net interest income | $708,000 | 7,337 |
| Provision for loan and lease losses | $444,000 | 1,145 |
| Total noninterest income | $109,000 | 6,709 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $52,000 | 6,036 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $57,000 | 6,076 |
| Total noninterest expense | $556,000 | 7,530 |
| Salaries and employee benefits | $289,000 | 7,635 |
| Premises and equipment expense | $48,000 | 7,824 |
| Additional noninterest expense | $219,000 | 6,897 |
| Pre-tax net operating income | $-183,000 | 8,067 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-183,000 | 8,099 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-183,000 | 8,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 1,377 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-183,000 | 8,090 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $684,000 | 7,128 |
| Total interest expense | $344,000 | 6,676 |
| Net interest income | $340,000 | 7,445 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $71,000 | 6,205 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $23,000 | 6,169 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $48,000 | 5,190 |
| Total noninterest expense | $261,000 | 7,671 |
| Salaries and employee benefits | $146,000 | 7,647 |
| Premises and equipment expense | $28,000 | 7,677 |
| Additional noninterest expense | $87,000 | 7,339 |
| Pre-tax net operating income | $0 | 7,834 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $0 | 7,856 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $0 | 7,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $0 | 7,840 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,836,000 | 6,906 |
| Total interest expense | $1,286,000 | 6,445 |
| Net interest income | $1,550,000 | 7,119 |
| Provision for loan and lease losses | $1,725,000 | 632 |
| Total noninterest income | $224,000 | 6,725 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $130,000 | 5,768 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $94,000 | 6,427 |
| Total noninterest expense | $998,000 | 7,713 |
| Salaries and employee benefits | $542,000 | 7,757 |
| Premises and equipment expense | $59,000 | 8,258 |
| Additional noninterest expense | $397,000 | 7,078 |
| Pre-tax net operating income | $-949,000 | 8,406 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-949,000 | 8,445 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-949,000 | 8,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,077,000 | 639 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-949,000 | 8,434 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,144,000 | 6,928 |
| Total interest expense | $931,000 | 6,483 |
| Net interest income | $1,213,000 | 7,111 |
| Provision for loan and lease losses | $1,625,000 | 490 |
| Total noninterest income | $174,000 | 6,715 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $109,000 | 5,651 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $65,000 | 6,548 |
| Total noninterest expense | $750,000 | 7,711 |
| Salaries and employee benefits | $409,000 | 7,745 |
| Premises and equipment expense | $67,000 | 7,966 |
| Additional noninterest expense | $274,000 | 7,247 |
| Pre-tax net operating income | $-988,000 | 8,587 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $11,000 | 6,190 |
| Income before extraordinary items | $-999,000 | 8,608 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-999,000 | 8,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,035,000 | 449 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-999,000 | 8,599 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,449,000 | 6,901 |
| Total interest expense | $585,000 | 6,538 |
| Net interest income | $864,000 | 7,012 |
| Provision for loan and lease losses | $375,000 | 1,222 |
| Total noninterest income | $133,000 | 6,458 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $74,000 | 5,610 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $59,000 | 6,112 |
| Total noninterest expense | $489,000 | 7,777 |
| Salaries and employee benefits | $271,000 | 7,787 |
| Premises and equipment expense | $6,000 | 8,707 |
| Additional noninterest expense | $212,000 | 6,979 |
| Pre-tax net operating income | $133,000 | 7,485 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $8,000 | 6,196 |
| Income before extraordinary items | $125,000 | 7,346 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $125,000 | 7,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 1,006 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $125,000 | 7,347 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $739,000 | 6,821 |
| Total interest expense | $295,000 | 6,409 |
| Net interest income | $444,000 | 6,972 |
| Provision for loan and lease losses | $125,000 | 1,687 |
| Total noninterest income | $99,000 | 5,618 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $42,000 | 5,298 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $57,000 | 4,857 |
| Total noninterest expense | $239,000 | 7,818 |
| Salaries and employee benefits | $128,000 | 7,892 |
| Premises and equipment expense | $24,000 | 7,898 |
| Additional noninterest expense | $87,000 | 7,359 |
| Pre-tax net operating income | $179,000 | 6,066 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $4,000 | 6,184 |
| Income before extraordinary items | $175,000 | 5,617 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $175,000 | 5,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,616 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $175,000 | 5,612 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,914,000 | 6,663 |
| Total interest expense | $999,000 | 6,294 |
| Net interest income | $1,915,000 | 6,733 |
| Provision for loan and lease losses | $240,000 | 3,239 |
| Total noninterest income | $247,000 | 6,698 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $175,000 | 5,326 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $72,000 | 6,898 |
| Total noninterest expense | $980,000 | 7,782 |
| Salaries and employee benefits | $451,000 | 8,050 |
| Premises and equipment expense | $146,000 | 7,321 |
| Additional noninterest expense | $383,000 | 7,167 |
| Pre-tax net operating income | $942,000 | 5,521 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $18,000 | 6,362 |
| Income before extraordinary items | $924,000 | 5,017 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $924,000 | 5,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,411 |
| Cash dividends | $535,000 | 3,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $924,000 | 4,988 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,163,000 | 6,683 |
| Total interest expense | $707,000 | 6,334 |
| Net interest income | $1,456,000 | 6,740 |
| Provision for loan and lease losses | $180,000 | 3,127 |
| Total noninterest income | $185,000 | 6,722 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $125,000 | 5,441 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $60,000 | 6,768 |
| Total noninterest expense | $672,000 | 7,910 |
| Salaries and employee benefits | $335,000 | 8,043 |
| Premises and equipment expense | $66,000 | 8,018 |
| Additional noninterest expense | $271,000 | 7,311 |
| Pre-tax net operating income | $789,000 | 5,361 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $11,000 | 6,502 |
| Income before extraordinary items | $778,000 | 4,831 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $778,000 | 4,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,193 |
| Cash dividends | $400,000 | 3,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $778,000 | 4,796 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,375,000 | 6,754 |
| Total interest expense | $427,000 | 6,447 |
| Net interest income | $948,000 | 6,800 |
| Provision for loan and lease losses | $120,000 | 3,004 |
| Total noninterest income | $120,000 | 6,749 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $73,000 | 5,656 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $47,000 | 6,506 |
| Total noninterest expense | $442,000 | 7,937 |
| Salaries and employee benefits | $225,000 | 8,053 |
| Premises and equipment expense | $42,000 | 8,050 |
| Additional noninterest expense | $175,000 | 7,351 |
| Pre-tax net operating income | $506,000 | 5,460 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $9,000 | 6,449 |
| Income before extraordinary items | $497,000 | 4,902 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $497,000 | 4,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,464 |
| Cash dividends | $270,000 | 3,119 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $497,000 | 4,856 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $654,000 | 6,911 |
| Total interest expense | $196,000 | 6,592 |
| Net interest income | $458,000 | 6,935 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $72,000 | 6,381 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $31,000 | 5,927 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $41,000 | 5,596 |
| Total noninterest expense | $232,000 | 7,932 |
| Salaries and employee benefits | $114,000 | 8,101 |
| Premises and equipment expense | $22,000 | 8,069 |
| Additional noninterest expense | $96,000 | 7,233 |
| Pre-tax net operating income | $238,000 | 5,559 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $4,000 | 6,466 |
| Income before extraordinary items | $234,000 | 5,039 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $234,000 | 5,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,069 |
| Cash dividends | $140,000 | 2,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $234,000 | 5,003 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,545,000 | 6,848 |
| Total interest expense | $735,000 | 6,468 |
| Net interest income | $1,810,000 | 6,885 |
| Provision for loan and lease losses | $195,000 | 3,736 |
| Total noninterest income | $242,000 | 6,830 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $152,000 | 5,752 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $90,000 | 6,590 |
| Total noninterest expense | $1,001,000 | 7,817 |
| Salaries and employee benefits | $470,000 | 8,075 |
| Premises and equipment expense | $136,000 | 7,491 |
| Additional noninterest expense | $395,000 | 7,147 |
| Pre-tax net operating income | $856,000 | 5,632 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $15,000 | 6,646 |
| Income before extraordinary items | $841,000 | 5,149 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $841,000 | 5,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,472 |
| Cash dividends | $485,000 | 3,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $841,000 | 5,078 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,876,000 | 6,902 |
| Total interest expense | $537,000 | 6,513 |
| Net interest income | $1,339,000 | 6,928 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $184,000 | 6,840 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $112,000 | 5,841 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $72,000 | 6,503 |
| Total noninterest expense | $675,000 | 7,966 |
| Salaries and employee benefits | $323,000 | 8,184 |
| Premises and equipment expense | $60,000 | 8,206 |
| Additional noninterest expense | $292,000 | 7,155 |
| Pre-tax net operating income | $713,000 | 5,475 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $9,000 | 6,807 |
| Income before extraordinary items | $704,000 | 4,946 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $704,000 | 4,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 2,214 |
| Cash dividends | $360,000 | 3,173 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $704,000 | 4,855 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,213,000 | 7,002 |
| Total interest expense | $348,000 | 6,632 |
| Net interest income | $865,000 | 7,043 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $133,000 | 6,717 |
| 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 | $60,000 | 6,128 |
| Total noninterest expense | $448,000 | 8,031 |
| Salaries and employee benefits | $217,000 | 8,234 |
| Premises and equipment expense | $42,000 | 8,198 |
| Additional noninterest expense | $189,000 | 7,256 |
| Pre-tax net operating income | $460,000 | 5,511 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $6,000 | 6,827 |
| Income before extraordinary items | $454,000 | 4,977 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $454,000 | 4,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 1,638 |
| Cash dividends | $240,000 | 3,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $454,000 | 4,897 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $599,000 | 7,080 |
| Total interest expense | $172,000 | 6,722 |
| Net interest income | $427,000 | 7,107 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $83,000 | 6,207 |
| 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 | $48,000 | 5,207 |
| Total noninterest expense | $201,000 | 8,238 |
| Salaries and employee benefits | $109,000 | 8,270 |
| Premises and equipment expense | $19,000 | 8,322 |
| Additional noninterest expense | $73,000 | 7,819 |
| Pre-tax net operating income | $264,000 | 5,129 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $261,000 | 4,633 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $261,000 | 4,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $120,000 | 2,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $261,000 | 4,506 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,403,000 | 7,142 |
| Total interest expense | $770,000 | 6,801 |
| Net interest income | $1,633,000 | 7,160 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $232,000 | 7,075 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $170,000 | 5,615 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $62,000 | 7,257 |
| Total noninterest expense | $798,000 | 8,279 |
| Salaries and employee benefits | $418,000 | 8,342 |
| Premises and equipment expense | $88,000 | 8,222 |
| Additional noninterest expense | $292,000 | 7,814 |
| Pre-tax net operating income | $827,000 | 5,612 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $8,000 | 7,101 |
| Income before extraordinary items | $819,000 | 5,183 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $819,000 | 5,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $496,000 | 1,614 |
| Cash dividends | $425,000 | 3,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $819,000 | 5,027 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,785,000 | 7,245 |
| Total interest expense | $585,000 | 6,915 |
| Net interest income | $1,200,000 | 7,264 |
| Provision for loan and lease losses | $120,000 | 4,343 |
| Total noninterest income | $167,000 | 7,198 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $129,000 | 5,623 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $38,000 | 7,573 |
| Total noninterest expense | $592,000 | 8,302 |
| Salaries and employee benefits | $305,000 | 8,396 |
| Premises and equipment expense | $70,000 | 8,163 |
| Additional noninterest expense | $217,000 | 7,844 |
| Pre-tax net operating income | $655,000 | 5,673 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $5,000 | 7,232 |
| Income before extraordinary items | $650,000 | 5,179 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $650,000 | 5,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 1,709 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $650,000 | 4,998 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 7,368 |
| Total interest expense | $389,000 | 7,043 |
| Net interest income | $770,000 | 7,366 |
| Provision for loan and lease losses | $75,000 | 4,385 |
| Total noninterest income | $121,000 | 7,043 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $87,000 | 5,574 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $34,000 | 7,176 |
| Total noninterest expense | $399,000 | 8,293 |
| Salaries and employee benefits | $207,000 | 8,403 |
| Premises and equipment expense | $47,000 | 8,170 |
| Additional noninterest expense | $145,000 | 7,841 |
| Pre-tax net operating income | $417,000 | 5,759 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $4,000 | 7,232 |
| Income before extraordinary items | $413,000 | 5,310 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $413,000 | 5,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 1,901 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $413,000 | 5,109 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $565,000 | 7,476 |
| Total interest expense | $195,000 | 7,150 |
| Net interest income | $370,000 | 7,480 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $70,000 | 6,722 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $42,000 | 5,576 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $28,000 | 6,362 |
| Total noninterest expense | $199,000 | 8,349 |
| Salaries and employee benefits | $104,000 | 8,448 |
| Premises and equipment expense | $24,000 | 8,165 |
| Additional noninterest expense | $71,000 | 7,907 |
| Pre-tax net operating income | $211,000 | 5,718 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $209,000 | 5,217 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $209,000 | 5,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 1,313 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $209,000 | 5,024 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,425,000 | 7,422 |
| Total interest expense | $910,000 | 7,178 |
| Net interest income | $1,515,000 | 7,411 |
| Provision for loan and lease losses | $821,000 | 1,591 |
| Total noninterest income | $228,000 | 7,045 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $177,000 | 5,503 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $51,000 | 7,577 |
| Total noninterest expense | $748,000 | 8,451 |
| Salaries and employee benefits | $415,000 | 8,462 |
| Premises and equipment expense | $93,000 | 8,267 |
| Additional noninterest expense | $240,000 | 8,247 |
| Pre-tax net operating income | $174,000 | 8,032 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $13,000 | 7,204 |
| Income before extraordinary items | $161,000 | 8,035 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $161,000 | 8,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $403,000 | 1,931 |
| Cash dividends | $485,000 | 3,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $161,000 | 7,931 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,550,000 | 7,694 |
| Total interest expense | $1,167,000 | 7,672 |
| Net interest income | $1,383,000 | 7,539 |
| Provision for loan and lease losses | $48,000 | 6,745 |
| Total noninterest income | $173,000 | 7,596 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $139,000 | 5,956 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $34,000 | 8,222 |
| Total noninterest expense | $754,000 | 8,558 |
| Salaries and employee benefits | $434,000 | 8,476 |
| Premises and equipment expense | $92,000 | 8,424 |
| Additional noninterest expense | $228,000 | 8,431 |
| Pre-tax net operating income | $754,000 | 5,639 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $12,000 | 7,523 |
| Income before extraordinary items | $742,000 | 5,080 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $742,000 | 5,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,671 |
| Cash dividends | $760,000 | 2,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $742,000 | 4,971 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,483,000 | 7,916 |
| Total interest expense | $1,230,000 | 7,745 |
| Net interest income | $1,253,000 | 7,952 |
| Provision for loan and lease losses | $65,000 | 6,097 |
| Total noninterest income | $144,000 | 7,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 6,564 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,029 |
| Total noninterest expense | $677,000 | 8,882 |
| Salaries and employee benefits | $404,000 | 8,731 |
| Premises and equipment expense | $114,000 | 8,204 |
| Additional noninterest expense | $159,000 | 9,168 |
| Pre-tax net operating income | $655,000 | 6,391 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $18,000 | 7,887 |
| Income before extraordinary items | $642,000 | 5,660 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $642,000 | 5,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,272 |
| Cash dividends | $385,000 | 4,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $637,150 | 5,690 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,981,000 | 8,527 |
| Total interest expense | $906,000 | 8,426 |
| Net interest income | $1,075,000 | 8,457 |
| Provision for loan and lease losses | $49,000 | 6,592 |
| Total noninterest income | $118,000 | 8,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 7,091 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,584 |
| Total noninterest expense | $658,000 | 9,150 |
| Salaries and employee benefits | $406,000 | 8,855 |
| Premises and equipment expense | $119,000 | 8,257 |
| Additional noninterest expense | $133,000 | 9,674 |
| Pre-tax net operating income | $486,000 | 7,200 |
| Securities gains (losses) | $23,000 | 1,318 |
| Applicable income taxes | $114,000 | 6,736 |
| Income before extraordinary items | $395,000 | 7,021 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $395,000 | 7,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,892 |
| Cash dividends | $318,000 | 4,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $377,060 | 7,087 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,805,000 | 8,917 |
| Total interest expense | $831,000 | 8,851 |
| Net interest income | $974,000 | 8,860 |
| Provision for loan and lease losses | $38,000 | 7,037 |
| Total noninterest income | $112,000 | 8,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 7,159 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 9,156 |
| Total noninterest expense | $635,000 | 9,321 |
| Salaries and employee benefits | $357,000 | 9,242 |
| Premises and equipment expense | $151,000 | 7,628 |
| Additional noninterest expense | $127,000 | 9,895 |
| Pre-tax net operating income | $413,000 | 7,807 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $106,000 | 7,444 |
| Income before extraordinary items | $308,000 | 7,818 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $308,000 | 7,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,872 |
| Cash dividends | $270,000 | 4,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $307,260 | 7,743 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,748,000 | 9,360 |
| Total interest expense | $776,000 | 9,326 |
| Net interest income | $973,000 | 9,250 |
| Provision for loan and lease losses | $295,000 | 2,666 |
| Total noninterest income | $128,000 | 8,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 6,942 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,083 |
| Total noninterest expense | $607,000 | 9,721 |
| Salaries and employee benefits | $351,000 | 9,588 |
| Premises and equipment expense | $136,000 | 8,101 |
| Additional noninterest expense | $120,000 | 10,343 |
| Pre-tax net operating income | $196,000 | 9,593 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $33,000 | 9,518 |
| Income before extraordinary items | $163,000 | 9,471 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $163,000 | 9,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,776 |
| Cash dividends | $151,000 | 5,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $163,000 | 9,430 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,736,000 | 9,759 |
| Total interest expense | $757,000 | 9,784 |
| Net interest income | $979,000 | 9,610 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $199,000 | 8,236 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,742 |
| Total noninterest expense | $681,000 | 9,868 |
| Salaries and employee benefits | $410,000 | 9,537 |
| Premises and equipment expense | $129,000 | 8,550 |
| Additional noninterest expense | $142,000 | 10,648 |
| Pre-tax net operating income | $497,000 | 7,952 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $135,000 | 8,126 |
| Income before extraordinary items | $362,000 | 7,915 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $362,000 | 7,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $295,000 | 4,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $362,000 | 7,851 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,666,000 | 10,234 |
| Total interest expense | $719,000 | 10,236 |
| Net interest income | $947,000 | 10,096 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $153,000 | 9,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,356 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,970 |
| Total noninterest expense | $627,000 | 10,462 |
| Salaries and employee benefits | $335,000 | 10,445 |
| Premises and equipment expense | $105,000 | 9,481 |
| Additional noninterest expense | $187,000 | 10,592 |
| Pre-tax net operating income | $473,000 | 8,596 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $129,000 | 8,642 |
| Income before extraordinary items | $344,000 | 8,533 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $344,000 | 8,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 10,916 |
| Cash dividends | $269,000 | 4,819 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $344,000 | 8,498 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,524,000 | 10,695 |
| Total interest expense | $602,000 | 10,594 |
| Net interest income | $922,000 | 10,650 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $132,000 | 10,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 7,763 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 11,499 |
| Total noninterest expense | $658,000 | 10,874 |
| Salaries and employee benefits | $369,000 | 10,558 |
| Premises and equipment expense | $110,000 | 9,702 |
| Additional noninterest expense | $179,000 | 11,418 |
| Pre-tax net operating income | $396,000 | 9,412 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $97,000 | 9,435 |
| Income before extraordinary items | $299,000 | 9,157 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $299,000 | 9,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 12,066 |
| Cash dividends | $228,000 | 5,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $299,000 | 9,220 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,546,000 | 11,131 |
| Total interest expense | $627,000 | 10,985 |
| Net interest income | $919,000 | 11,085 |
| Provision for loan and lease losses | $3,000 | 10,228 |
| Total noninterest income | $130,000 | 10,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 8,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $659,000 | 11,351 |
| Salaries and employee benefits | $378,000 | 10,862 |
| Premises and equipment expense | $105,000 | 10,294 |
| Additional noninterest expense | $176,000 | 12,078 |
| Pre-tax net operating income | $387,000 | 9,510 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $94,000 | 9,895 |
| Income before extraordinary items | $295,000 | 9,542 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $295,000 | 9,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 12,766 |
| Cash dividends | $203,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $293,480 | 9,299 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,712,000 | 11,497 |
| Total interest expense | $755,000 | 11,547 |
| Net interest income | $957,000 | 11,269 |
| Provision for loan and lease losses | $15,000 | 10,851 |
| Total noninterest income | $130,000 | 10,919 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 8,186 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,651 |
| Total noninterest expense | $616,000 | 11,963 |
| Salaries and employee benefits | $363,000 | 11,305 |
| Premises and equipment expense | $65,000 | 12,061 |
| Additional noninterest expense | $188,000 | 12,408 |
| Pre-tax net operating income | $456,000 | 8,746 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $116,000 | 9,484 |
| Income before extraordinary items | $341,000 | 8,811 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $341,000 | 8,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $189,000 | 5,248 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $340,250 | 8,455 |
* 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.