Home > First State Bank > Income and Expense
First State Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $972,000 | 7,681 |
| Total interest expense | $459,000 | 7,351 |
| Net interest income | $513,000 | 7,827 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $61,000 | 7,457 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $42,000 | 6,312 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $19,000 | 7,424 |
| Total noninterest expense | $471,000 | 7,773 |
| Salaries and employee benefits | $281,000 | 7,673 |
| Premises and equipment expense | $56,000 | 7,655 |
| Additional noninterest expense | $134,000 | 7,713 |
| Pre-tax net operating income | $103,000 | 7,224 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $6,000 | 5,846 |
| Income before extraordinary items | $97,000 | 7,138 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $97,000 | 7,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $120,000 | 4,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $97,000 | 7,129 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $490,000 | 7,716 |
| Total interest expense | $225,000 | 7,409 |
| Net interest income | $265,000 | 7,820 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $38,000 | 7,183 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $20,000 | 6,360 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $18,000 | 6,767 |
| Total noninterest expense | $229,000 | 7,839 |
| Salaries and employee benefits | $141,000 | 7,706 |
| Premises and equipment expense | $25,000 | 7,791 |
| Additional noninterest expense | $63,000 | 7,812 |
| Pre-tax net operating income | $74,000 | 7,007 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $3,000 | 5,852 |
| Income before extraordinary items | $71,000 | 6,845 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $71,000 | 6,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $71,000 | 6,831 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,909,000 | 7,614 |
| Total interest expense | $815,000 | 7,299 |
| Net interest income | $1,094,000 | 7,708 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $125,000 | 7,515 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $82,000 | 6,411 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $43,000 | 7,400 |
| Total noninterest expense | $904,000 | 7,858 |
| Salaries and employee benefits | $543,000 | 7,754 |
| Premises and equipment expense | $87,000 | 7,943 |
| Additional noninterest expense | $274,000 | 7,725 |
| Pre-tax net operating income | $315,000 | 7,070 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $12,000 | 6,106 |
| Income before extraordinary items | $303,000 | 6,902 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $303,000 | 6,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,042 |
| Cash dividends | $308,000 | 4,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $303,000 | 6,904 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,416,000 | 7,686 |
| Total interest expense | $602,000 | 7,314 |
| Net interest income | $814,000 | 7,790 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $98,000 | 7,543 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $61,000 | 6,491 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 7,308 |
| Total noninterest expense | $670,000 | 7,885 |
| Salaries and employee benefits | $402,000 | 7,767 |
| Premises and equipment expense | $62,000 | 8,035 |
| Additional noninterest expense | $206,000 | 7,741 |
| Pre-tax net operating income | $242,000 | 7,253 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $9,000 | 6,256 |
| Income before extraordinary items | $233,000 | 7,046 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $233,000 | 7,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,955 |
| Cash dividends | $231,000 | 3,994 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $233,000 | 7,048 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $936,000 | 7,706 |
| Total interest expense | $391,000 | 7,323 |
| Net interest income | $545,000 | 7,841 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $57,000 | 7,729 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $40,000 | 6,539 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $17,000 | 7,713 |
| Total noninterest expense | $448,000 | 7,909 |
| Salaries and employee benefits | $267,000 | 7,812 |
| Premises and equipment expense | $41,000 | 8,054 |
| Additional noninterest expense | $140,000 | 7,722 |
| Pre-tax net operating income | $154,000 | 7,363 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $6,000 | 6,279 |
| Income before extraordinary items | $148,000 | 7,171 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $148,000 | 7,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,940 |
| Cash dividends | $155,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $148,000 | 7,186 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $469,000 | 7,714 |
| Total interest expense | $194,000 | 7,276 |
| Net interest income | $275,000 | 7,852 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $29,000 | 7,700 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $20,000 | 6,506 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,631 |
| Total noninterest expense | $234,000 | 7,850 |
| Salaries and employee benefits | $133,000 | 7,832 |
| Premises and equipment expense | $21,000 | 8,027 |
| Additional noninterest expense | $80,000 | 7,508 |
| Pre-tax net operating income | $70,000 | 7,436 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $70,000 | 7,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $70,000 | 7,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,977 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $70,000 | 7,196 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,611,000 | 7,789 |
| Total interest expense | $503,000 | 7,610 |
| Net interest income | $1,108,000 | 7,801 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $145,000 | 7,542 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $70,000 | 6,747 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $75,000 | 6,850 |
| Total noninterest expense | $855,000 | 7,986 |
| Salaries and employee benefits | $521,000 | 7,830 |
| Premises and equipment expense | $85,000 | 8,029 |
| Additional noninterest expense | $249,000 | 7,933 |
| Pre-tax net operating income | $398,000 | 7,071 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $12,000 | 6,486 |
| Income before extraordinary items | $386,000 | 6,837 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $386,000 | 6,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,178 |
| Cash dividends | $375,000 | 4,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $386,000 | 6,806 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,163,000 | 7,868 |
| Total interest expense | $342,000 | 7,716 |
| Net interest income | $821,000 | 7,864 |
| Provision for loan and lease losses | $15,000 | 6,317 |
| Total noninterest income | $105,000 | 7,616 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 6,812 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $53,000 | 6,977 |
| Total noninterest expense | $637,000 | 7,990 |
| Salaries and employee benefits | $383,000 | 7,848 |
| Premises and equipment expense | $62,000 | 8,073 |
| Additional noninterest expense | $192,000 | 7,891 |
| Pre-tax net operating income | $274,000 | 7,307 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $9,000 | 6,562 |
| Income before extraordinary items | $265,000 | 7,099 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $265,000 | 7,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,983 |
| Cash dividends | $375,000 | 3,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $265,000 | 7,068 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $755,000 | 7,902 |
| Total interest expense | $214,000 | 7,747 |
| Net interest income | $541,000 | 7,891 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $54,000 | 7,891 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $32,000 | 6,885 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $22,000 | 7,544 |
| Total noninterest expense | $414,000 | 8,033 |
| Salaries and employee benefits | $256,000 | 7,859 |
| Premises and equipment expense | $40,000 | 8,114 |
| Additional noninterest expense | $118,000 | 8,003 |
| Pre-tax net operating income | $166,000 | 7,434 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,000 | 6,566 |
| Income before extraordinary items | $160,000 | 7,258 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $160,000 | 7,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,892 |
| Cash dividends | $375,000 | 2,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $160,000 | 7,211 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $379,000 | 7,946 |
| Total interest expense | $102,000 | 7,805 |
| Net interest income | $277,000 | 7,925 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $27,000 | 7,907 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $206,000 | 8,125 |
| Salaries and employee benefits | $126,000 | 7,938 |
| Premises and equipment expense | $20,000 | 8,171 |
| Additional noninterest expense | $60,000 | 8,042 |
| Pre-tax net operating income | $83,000 | 7,447 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $80,000 | 7,232 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $80,000 | 7,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,027 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $80,000 | 7,200 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,512,000 | 7,879 |
| Total interest expense | $370,000 | 7,804 |
| Net interest income | $1,142,000 | 7,831 |
| Provision for loan and lease losses | $55,000 | 5,837 |
| Total noninterest income | $127,000 | 7,825 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $76,000 | 6,838 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $51,000 | 7,386 |
| Total noninterest expense | $874,000 | 8,024 |
| Salaries and employee benefits | $507,000 | 7,957 |
| Premises and equipment expense | $105,000 | 7,910 |
| Additional noninterest expense | $262,000 | 7,917 |
| Pre-tax net operating income | $340,000 | 7,307 |
| Securities gains (losses) | $-2,000 | 7,892 |
| Applicable income taxes | $12,000 | 6,712 |
| Income before extraordinary items | $326,000 | 7,121 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $326,000 | 7,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,933 |
| Cash dividends | $149,000 | 5,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $327,920 | 7,061 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,116,000 | 7,928 |
| Total interest expense | $273,000 | 7,856 |
| Net interest income | $843,000 | 7,884 |
| Provision for loan and lease losses | $40,000 | 5,698 |
| Total noninterest income | $116,000 | 7,607 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $58,000 | 6,852 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $58,000 | 6,846 |
| Total noninterest expense | $659,000 | 8,019 |
| Salaries and employee benefits | $384,000 | 7,916 |
| Premises and equipment expense | $97,000 | 7,587 |
| Additional noninterest expense | $178,000 | 8,065 |
| Pre-tax net operating income | $260,000 | 7,413 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $9,000 | 6,807 |
| Income before extraordinary items | $249,000 | 7,209 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $249,000 | 7,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,041 |
| Cash dividends | $148,000 | 4,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $250,940 | 7,136 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $718,000 | 8,039 |
| Total interest expense | $180,000 | 7,938 |
| Net interest income | $538,000 | 7,998 |
| Provision for loan and lease losses | $25,000 | 5,618 |
| Total noninterest income | $90,000 | 7,409 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $38,000 | 6,913 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $52,000 | 6,365 |
| Total noninterest expense | $430,000 | 8,103 |
| Salaries and employee benefits | $259,000 | 7,955 |
| Premises and equipment expense | $62,000 | 7,681 |
| Additional noninterest expense | $109,000 | 8,237 |
| Pre-tax net operating income | $173,000 | 7,395 |
| Securities gains (losses) | $-2,000 | 8,438 |
| Applicable income taxes | $6,000 | 6,827 |
| Income before extraordinary items | $165,000 | 7,217 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $165,000 | 7,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,302 |
| Cash dividends | $148,000 | 3,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $166,920 | 7,126 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $366,000 | 8,056 |
| Total interest expense | $94,000 | 7,934 |
| Net interest income | $272,000 | 8,015 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $33,000 | 7,851 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $19,000 | 6,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $14,000 | 7,349 |
| Total noninterest expense | $204,000 | 8,211 |
| Salaries and employee benefits | $126,000 | 8,026 |
| Premises and equipment expense | $31,000 | 7,720 |
| Additional noninterest expense | $47,000 | 8,471 |
| Pre-tax net operating income | $86,000 | 7,376 |
| Securities gains (losses) | $-2,000 | 8,748 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $81,000 | 7,198 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $81,000 | 7,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,425 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $82,920 | 7,107 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,586,000 | 7,982 |
| Total interest expense | $481,000 | 7,804 |
| Net interest income | $1,105,000 | 7,955 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $132,000 | 7,984 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $90,000 | 6,720 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $42,000 | 7,762 |
| Total noninterest expense | $837,000 | 8,198 |
| Salaries and employee benefits | $475,000 | 8,176 |
| Premises and equipment expense | $84,000 | 8,276 |
| Additional noninterest expense | $278,000 | 7,911 |
| Pre-tax net operating income | $340,000 | 7,276 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $12,000 | 6,979 |
| Income before extraordinary items | $328,000 | 7,141 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $328,000 | 7,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,706 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $328,000 | 7,001 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,198,000 | 8,072 |
| Total interest expense | $379,000 | 7,864 |
| Net interest income | $819,000 | 8,047 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $94,000 | 8,101 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $65,000 | 6,831 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $29,000 | 7,883 |
| Total noninterest expense | $626,000 | 8,212 |
| Salaries and employee benefits | $362,000 | 8,138 |
| Premises and equipment expense | $77,000 | 8,054 |
| Additional noninterest expense | $187,000 | 8,116 |
| Pre-tax net operating income | $242,000 | 7,484 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $9,000 | 7,107 |
| Income before extraordinary items | $233,000 | 7,380 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $233,000 | 7,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,349 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $233,000 | 7,215 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $809,000 | 8,104 |
| Total interest expense | $269,000 | 7,869 |
| Net interest income | $540,000 | 8,099 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $56,000 | 8,230 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $39,000 | 6,980 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $17,000 | 8,015 |
| Total noninterest expense | $391,000 | 8,335 |
| Salaries and employee benefits | $238,000 | 8,178 |
| Premises and equipment expense | $54,000 | 7,986 |
| Additional noninterest expense | $99,000 | 8,473 |
| Pre-tax net operating income | $175,000 | 7,419 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $6,000 | 7,135 |
| Income before extraordinary items | $169,000 | 7,260 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $169,000 | 7,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,091 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $169,000 | 7,081 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $375,000 | 8,276 |
| Total interest expense | $139,000 | 7,898 |
| Net interest income | $236,000 | 8,327 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $32,000 | 8,066 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $20,000 | 6,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $193,000 | 8,399 |
| Salaries and employee benefits | $123,000 | 8,147 |
| Premises and equipment expense | $25,000 | 8,112 |
| Additional noninterest expense | $45,000 | 8,633 |
| Pre-tax net operating income | $60,000 | 7,837 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $3,000 | 7,063 |
| Income before extraordinary items | $57,000 | 7,745 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $57,000 | 7,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $57,000 | 7,600 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,707,000 | 8,163 |
| Total interest expense | $684,000 | 7,860 |
| Net interest income | $1,023,000 | 8,231 |
| Provision for loan and lease losses | $438,000 | 2,639 |
| Total noninterest income | $121,000 | 8,156 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $77,000 | 6,996 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $44,000 | 7,759 |
| Total noninterest expense | $901,000 | 8,154 |
| Salaries and employee benefits | $479,000 | 8,221 |
| Premises and equipment expense | $132,000 | 7,696 |
| Additional noninterest expense | $290,000 | 7,882 |
| Pre-tax net operating income | $-195,000 | 8,831 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-195,000 | 8,905 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-195,000 | 8,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,789 |
| Cash dividends | $160,000 | 5,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-195,000 | 8,851 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,117,000 | 8,099 |
| Total interest expense | $951,000 | 8,120 |
| Net interest income | $1,166,000 | 7,952 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $117,000 | 8,275 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $91,000 | 6,756 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $26,000 | 8,488 |
| Total noninterest expense | $866,000 | 8,289 |
| Salaries and employee benefits | $475,000 | 8,285 |
| Premises and equipment expense | $113,000 | 8,103 |
| Additional noninterest expense | $278,000 | 8,015 |
| Pre-tax net operating income | $387,000 | 7,037 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $12,000 | 7,523 |
| Income before extraordinary items | $375,000 | 6,710 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $375,000 | 6,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 9,348 |
| Cash dividends | $513,000 | 3,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $375,000 | 6,579 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,423,000 | 7,990 |
| Total interest expense | $1,084,000 | 8,048 |
| Net interest income | $1,339,000 | 7,784 |
| Provision for loan and lease losses | $90,000 | 5,514 |
| Total noninterest income | $128,000 | 8,195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 6,836 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,125 |
| Total noninterest expense | $862,000 | 8,405 |
| Salaries and employee benefits | $441,000 | 8,542 |
| Premises and equipment expense | $124,000 | 8,022 |
| Additional noninterest expense | $297,000 | 7,968 |
| Pre-tax net operating income | $515,000 | 6,924 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $12,000 | 8,023 |
| Income before extraordinary items | $503,000 | 6,299 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $503,000 | 6,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,177 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $503,000 | 6,319 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,430,000 | 7,988 |
| Total interest expense | $1,174,000 | 7,711 |
| Net interest income | $1,256,000 | 8,085 |
| Provision for loan and lease losses | $615,000 | 1,470 |
| Total noninterest income | $105,000 | 8,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 7,398 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,550 |
| Total noninterest expense | $994,000 | 8,144 |
| Salaries and employee benefits | $424,000 | 8,766 |
| Premises and equipment expense | $153,000 | 7,610 |
| Additional noninterest expense | $417,000 | 7,132 |
| Pre-tax net operating income | $-248,000 | 9,672 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $106,000 | 6,848 |
| Income before extraordinary items | $-354,000 | 9,813 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-354,000 | 9,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $547,000 | 1,137 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-354,000 | 9,791 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,453,000 | 8,144 |
| Total interest expense | $1,263,000 | 7,763 |
| Net interest income | $1,190,000 | 8,345 |
| Provision for loan and lease losses | $314,000 | 2,508 |
| Total noninterest income | $90,000 | 9,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 7,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,338 |
| Total noninterest expense | $802,000 | 8,773 |
| Salaries and employee benefits | $345,000 | 9,322 |
| Premises and equipment expense | $150,000 | 7,646 |
| Additional noninterest expense | $307,000 | 8,051 |
| Pre-tax net operating income | $164,000 | 9,103 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $57,000 | 8,208 |
| Income before extraordinary items | $107,000 | 9,297 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $107,000 | 9,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,165 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $107,000 | 9,223 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,271,000 | 8,673 |
| Total interest expense | $1,089,000 | 8,436 |
| Net interest income | $1,182,000 | 8,725 |
| Provision for loan and lease losses | $52,000 | 6,573 |
| Total noninterest income | $103,000 | 9,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 7,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,432 |
| Total noninterest expense | $725,000 | 9,312 |
| Salaries and employee benefits | $383,000 | 9,368 |
| Premises and equipment expense | $91,000 | 9,188 |
| Additional noninterest expense | $251,000 | 8,838 |
| Pre-tax net operating income | $508,000 | 7,874 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $174,000 | 7,253 |
| Income before extraordinary items | $334,000 | 8,111 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $334,000 | 8,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $334,000 | 8,069 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,044,000 | 9,317 |
| Total interest expense | $924,000 | 9,256 |
| Net interest income | $1,120,000 | 9,235 |
| Provision for loan and lease losses | $34,000 | 7,277 |
| Total noninterest income | $72,000 | 10,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 9,457 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,071 |
| Total noninterest expense | $681,000 | 9,868 |
| Salaries and employee benefits | $369,000 | 9,823 |
| Premises and equipment expense | $71,000 | 10,045 |
| Additional noninterest expense | $241,000 | 9,491 |
| Pre-tax net operating income | $477,000 | 8,074 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $157,000 | 7,776 |
| Income before extraordinary items | $319,000 | 8,264 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $319,000 | 8,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,270 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $319,670 | 8,194 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,717,000 | 10,150 |
| Total interest expense | $798,000 | 9,953 |
| Net interest income | $919,000 | 10,190 |
| Provision for loan and lease losses | $360,000 | 2,012 |
| Total noninterest income | $51,000 | 11,332 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 9,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,833 |
| Total noninterest expense | $642,000 | 10,400 |
| Salaries and employee benefits | $288,000 | 10,853 |
| Premises and equipment expense | $89,000 | 9,947 |
| Additional noninterest expense | $265,000 | 9,665 |
| Pre-tax net operating income | $-32,000 | 11,549 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $-23,000 | 11,568 |
| Income before extraordinary items | $-7,000 | 11,513 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-7,000 | 11,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,691 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-8,280 | 11,487 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,460,000 | 10,818 |
| Total interest expense | $567,000 | 10,760 |
| Net interest income | $893,000 | 10,744 |
| Provision for loan and lease losses | $53,000 | 6,008 |
| Total noninterest income | $43,000 | 12,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 10,262 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 12,029 |
| Total noninterest expense | $626,000 | 11,002 |
| Salaries and employee benefits | $300,000 | 11,204 |
| Premises and equipment expense | $80,000 | 10,655 |
| Additional noninterest expense | $246,000 | 10,570 |
| Pre-tax net operating income | $257,000 | 10,440 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $80,000 | 9,807 |
| Income before extraordinary items | $177,000 | 10,528 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $177,000 | 10,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,946 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $177,000 | 10,574 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,318,000 | 11,645 |
| Total interest expense | $475,000 | 11,810 |
| Net interest income | $843,000 | 11,364 |
| Provision for loan and lease losses | $281,000 | 3,148 |
| Total noninterest income | $41,000 | 12,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 10,650 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 12,880 |
| Total noninterest expense | $652,000 | 11,372 |
| Salaries and employee benefits | $287,000 | 11,793 |
| Premises and equipment expense | $114,000 | 9,987 |
| Additional noninterest expense | $251,000 | 11,069 |
| Pre-tax net operating income | $-49,000 | 12,530 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-31,000 | 12,852 |
| Income before extraordinary items | $-18,000 | 12,570 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-18,000 | 12,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 3,162 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-18,000 | 12,448 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,400,000 | 12,182 |
| Total interest expense | $581,000 | 12,388 |
| Net interest income | $819,000 | 11,834 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $62,000 | 12,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 10,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 13,414 |
| Total noninterest expense | $659,000 | 11,742 |
| Salaries and employee benefits | $325,000 | 11,730 |
| Premises and equipment expense | $86,000 | 11,263 |
| Additional noninterest expense | $248,000 | 11,558 |
| Pre-tax net operating income | $222,000 | 10,871 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $71,000 | 10,691 |
| Income before extraordinary items | $157,000 | 11,181 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $157,000 | 11,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 6,766 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $152,860 | 10,897 |
* 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.