Home > FirstBank Financial Services > Income and Expense
FirstBank Financial Services, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,791,000 | 2,136 |
| Total interest expense | $13,496,000 | 1,196 |
| Net interest income | $4,295,000 | 4,356 |
| Provision for loan and lease losses | $21,709,000 | 349 |
| Total noninterest income | $454,000 | 5,040 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $484,000 | 3,076 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-30,000 | 8,070 |
| Total noninterest expense | $8,306,000 | 2,304 |
| Salaries and employee benefits | $3,392,000 | 2,919 |
| Premises and equipment expense | $1,050,000 | 2,516 |
| Additional noninterest expense | $3,864,000 | 1,606 |
| Pre-tax net operating income | $-25,266,000 | 8,135 |
| Securities gains (losses) | $164,000 | 818 |
| Applicable income taxes | $70,000 | 3,650 |
| Income before extraordinary items | $-25,172,000 | 8,126 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-25,172,000 | 8,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,098,000 | 442 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 1,257 |
| Net operating income | $-25,336,000 | 8,145 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,409,000 | 2,021 |
| Total interest expense | $10,514,000 | 1,199 |
| Net interest income | $3,895,000 | 3,864 |
| Provision for loan and lease losses | $8,902,000 | 441 |
| Total noninterest income | $178,000 | 6,332 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $374,000 | 3,051 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-196,000 | 8,294 |
| Total noninterest expense | $6,032,000 | 2,356 |
| Salaries and employee benefits | $2,622,000 | 2,850 |
| Premises and equipment expense | $800,000 | 2,492 |
| Additional noninterest expense | $2,610,000 | 1,706 |
| Pre-tax net operating income | $-10,861,000 | 8,227 |
| Securities gains (losses) | $136,000 | 805 |
| Applicable income taxes | $56,000 | 4,035 |
| Income before extraordinary items | $-10,781,000 | 8,221 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-10,781,000 | 8,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,980,000 | 319 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,118 |
| Net operating income | $-10,917,000 | 8,243 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,427,000 | 1,904 |
| Total interest expense | $7,302,000 | 1,203 |
| Net interest income | $3,125,000 | 3,384 |
| Provision for loan and lease losses | $5,894,000 | 384 |
| Total noninterest income | $309,000 | 4,558 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $239,000 | 3,112 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $70,000 | 5,638 |
| Total noninterest expense | $3,605,000 | 2,614 |
| Salaries and employee benefits | $1,738,000 | 2,900 |
| Premises and equipment expense | $542,000 | 2,462 |
| Additional noninterest expense | $1,325,000 | 2,137 |
| Pre-tax net operating income | $-6,065,000 | 8,311 |
| Securities gains (losses) | $94,000 | 1,021 |
| Applicable income taxes | $38,000 | 4,270 |
| Income before extraordinary items | $-6,009,000 | 8,333 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,009,000 | 8,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,031,000 | 303 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,028 |
| Net operating income | $-6,103,000 | 8,329 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,132,000 | 1,978 |
| Total interest expense | $3,532,000 | 1,321 |
| Net interest income | $1,600,000 | 3,325 |
| Provision for loan and lease losses | $856,000 | 698 |
| Total noninterest income | $102,000 | 5,376 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $98,000 | 3,504 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,000 | 7,805 |
| Total noninterest expense | $1,744,000 | 2,679 |
| Salaries and employee benefits | $866,000 | 2,938 |
| Premises and equipment expense | $272,000 | 2,476 |
| Additional noninterest expense | $606,000 | 2,289 |
| Pre-tax net operating income | $-898,000 | 8,253 |
| Securities gains (losses) | $34,000 | 1,302 |
| Applicable income taxes | $-394,000 | 8,337 |
| Income before extraordinary items | $-470,000 | 8,128 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-470,000 | 8,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,922,000 | 297 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 895 |
| Net operating income | $-491,760 | 8,130 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,570,000 | 1,875 |
| Total interest expense | $13,437,000 | 1,492 |
| Net interest income | $9,133,000 | 2,421 |
| Provision for loan and lease losses | $5,080,000 | 399 |
| Total noninterest income | $593,000 | 4,671 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $415,000 | 3,458 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $178,000 | 5,284 |
| Total noninterest expense | $6,229,000 | 2,863 |
| Salaries and employee benefits | $3,142,000 | 3,101 |
| Premises and equipment expense | $975,000 | 2,632 |
| Additional noninterest expense | $2,112,000 | 2,533 |
| Pre-tax net operating income | $-1,583,000 | 8,214 |
| Securities gains (losses) | $-45,000 | 7,987 |
| Applicable income taxes | $-737,000 | 8,369 |
| Income before extraordinary items | $-891,000 | 8,070 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-891,000 | 8,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 2,168 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $91,000 | 954 |
| Net operating income | $-862,200 | 8,053 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,479,000 | 1,829 |
| Total interest expense | $9,772,000 | 1,543 |
| Net interest income | $7,707,000 | 2,210 |
| Provision for loan and lease losses | $1,327,000 | 707 |
| Total noninterest income | $392,000 | 4,957 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $284,000 | 3,628 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $108,000 | 5,669 |
| Total noninterest expense | $4,569,000 | 2,913 |
| Salaries and employee benefits | $2,366,000 | 3,074 |
| Premises and equipment expense | $683,000 | 2,771 |
| Additional noninterest expense | $1,520,000 | 2,589 |
| Pre-tax net operating income | $2,203,000 | 2,666 |
| Securities gains (losses) | $-46,000 | 8,156 |
| Applicable income taxes | $752,000 | 1,986 |
| Income before extraordinary items | $1,405,000 | 3,116 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,405,000 | 3,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,718 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $129,000 | 707 |
| Net operating income | $1,434,900 | 3,049 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,385,000 | 1,885 |
| Total interest expense | $6,215,000 | 1,619 |
| Net interest income | $5,170,000 | 2,223 |
| Provision for loan and lease losses | $415,000 | 1,199 |
| Total noninterest income | $265,000 | 4,958 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $189,000 | 3,629 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $76,000 | 5,609 |
| Total noninterest expense | $2,971,000 | 2,990 |
| Salaries and employee benefits | $1,544,000 | 3,170 |
| Premises and equipment expense | $423,000 | 2,958 |
| Additional noninterest expense | $1,004,000 | 2,617 |
| Pre-tax net operating income | $2,049,000 | 2,110 |
| Securities gains (losses) | $-29,000 | 8,202 |
| Applicable income taxes | $735,000 | 1,591 |
| Income before extraordinary items | $1,285,000 | 2,504 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,285,000 | 2,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,518 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 598 |
| Net operating income | $1,303,560 | 2,457 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,492,000 | 1,936 |
| Total interest expense | $2,967,000 | 1,681 |
| Net interest income | $2,525,000 | 2,278 |
| Provision for loan and lease losses | $210,000 | 1,110 |
| Total noninterest income | $136,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $112,000 | 3,217 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $24,000 | 6,337 |
| Total noninterest expense | $1,508,000 | 2,971 |
| Salaries and employee benefits | $764,000 | 3,215 |
| Premises and equipment expense | $206,000 | 3,033 |
| Additional noninterest expense | $538,000 | 2,454 |
| Pre-tax net operating income | $943,000 | 2,266 |
| Securities gains (losses) | $-20,000 | 8,377 |
| Applicable income taxes | $343,000 | 1,700 |
| Income before extraordinary items | $580,000 | 2,706 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $580,000 | 2,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,481 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 417 |
| Net operating income | $592,800 | 2,644 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,877,000 | 2,090 |
| Total interest expense | $9,129,000 | 1,829 |
| Net interest income | $9,748,000 | 2,339 |
| Provision for loan and lease losses | $480,000 | 1,962 |
| Total noninterest income | $308,000 | 6,129 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $223,000 | 4,762 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $85,000 | 6,596 |
| Total noninterest expense | $5,332,000 | 3,170 |
| Salaries and employee benefits | $3,052,000 | 3,086 |
| Premises and equipment expense | $715,000 | 3,287 |
| Additional noninterest expense | $1,565,000 | 3,185 |
| Pre-tax net operating income | $4,244,000 | 2,156 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,567,000 | 1,590 |
| Income before extraordinary items | $2,677,000 | 2,477 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,677,000 | 2,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,843 |
| Cash dividends | $50,000 | 5,682 |
| Sale, conversion, retirement of capital stock, net | $321,000 | 670 |
| Net operating income | $2,677,000 | 2,458 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,515,000 | 2,167 |
| Total interest expense | $6,364,000 | 1,888 |
| Net interest income | $7,151,000 | 2,411 |
| Provision for loan and lease losses | $370,000 | 1,816 |
| Total noninterest income | $224,000 | 6,244 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $163,000 | 4,855 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,658 |
| Total noninterest expense | $3,826,000 | 3,286 |
| Salaries and employee benefits | $2,171,000 | 3,230 |
| Premises and equipment expense | $481,000 | 3,579 |
| Additional noninterest expense | $1,174,000 | 3,196 |
| Pre-tax net operating income | $3,179,000 | 2,221 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,189,000 | 1,661 |
| Income before extraordinary items | $1,990,000 | 2,574 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,990,000 | 2,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $50,000 | 5,012 |
| Sale, conversion, retirement of capital stock, net | $212,000 | 582 |
| Net operating income | $1,990,000 | 2,560 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,497,000 | 2,245 |
| Total interest expense | $3,870,000 | 1,962 |
| Net interest income | $4,627,000 | 2,477 |
| Provision for loan and lease losses | $180,000 | 2,262 |
| Total noninterest income | $152,000 | 6,210 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $107,000 | 4,870 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $45,000 | 6,526 |
| Total noninterest expense | $2,558,000 | 3,288 |
| Salaries and employee benefits | $1,460,000 | 3,206 |
| Premises and equipment expense | $306,000 | 3,714 |
| Additional noninterest expense | $792,000 | 3,166 |
| Pre-tax net operating income | $2,041,000 | 2,265 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $765,000 | 1,724 |
| Income before extraordinary items | $1,276,000 | 2,651 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,276,000 | 2,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $50,000 | 4,764 |
| Sale, conversion, retirement of capital stock, net | $178,000 | 448 |
| Net operating income | $1,276,000 | 2,639 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,065,000 | 2,288 |
| Total interest expense | $1,818,000 | 1,985 |
| Net interest income | $2,247,000 | 2,523 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $73,000 | 6,246 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $53,000 | 4,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $1,225,000 | 3,409 |
| Salaries and employee benefits | $672,000 | 3,448 |
| Premises and equipment expense | $157,000 | 3,643 |
| Additional noninterest expense | $396,000 | 3,153 |
| Pre-tax net operating income | $1,050,000 | 2,198 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $385,000 | 1,701 |
| Income before extraordinary items | $665,000 | 2,539 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $665,000 | 2,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $20,000 | 3,827 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 383 |
| Net operating income | $665,000 | 2,521 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,351,000 | 2,474 |
| Total interest expense | $5,371,000 | 2,068 |
| Net interest income | $7,980,000 | 2,707 |
| Provision for loan and lease losses | $740,000 | 1,354 |
| Total noninterest income | $535,000 | 5,076 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $207,000 | 4,958 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $328,000 | 4,143 |
| Total noninterest expense | $3,750,000 | 4,061 |
| Salaries and employee benefits | $2,064,000 | 4,035 |
| Premises and equipment expense | $395,000 | 4,892 |
| Additional noninterest expense | $1,291,000 | 3,642 |
| Pre-tax net operating income | $4,025,000 | 2,214 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,451,000 | 1,741 |
| Income before extraordinary items | $2,574,000 | 2,546 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,574,000 | 2,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 1,759 |
| Cash dividends | $50,000 | 5,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,574,000 | 2,515 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,548,000 | 2,527 |
| Total interest expense | $3,795,000 | 2,075 |
| Net interest income | $5,753,000 | 2,784 |
| Provision for loan and lease losses | $510,000 | 1,378 |
| Total noninterest income | $213,000 | 6,472 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $157,000 | 4,973 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,894 |
| Total noninterest expense | $2,685,000 | 4,178 |
| Salaries and employee benefits | $1,516,000 | 4,058 |
| Premises and equipment expense | $265,000 | 5,234 |
| Additional noninterest expense | $904,000 | 3,790 |
| Pre-tax net operating income | $2,771,000 | 2,370 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $995,000 | 1,885 |
| Income before extraordinary items | $1,776,000 | 2,725 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,776,000 | 2,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,898 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,776,000 | 2,691 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,973,000 | 2,610 |
| Total interest expense | $2,309,000 | 2,129 |
| Net interest income | $3,664,000 | 2,880 |
| Provision for loan and lease losses | $345,000 | 1,356 |
| Total noninterest income | $136,000 | 6,531 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $98,000 | 5,081 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $38,000 | 6,863 |
| Total noninterest expense | $1,660,000 | 4,423 |
| Salaries and employee benefits | $961,000 | 4,197 |
| Premises and equipment expense | $138,000 | 5,954 |
| Additional noninterest expense | $561,000 | 4,004 |
| Pre-tax net operating income | $1,795,000 | 2,380 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $648,000 | 1,897 |
| Income before extraordinary items | $1,147,000 | 2,761 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,147,000 | 2,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,147,000 | 2,718 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,751,000 | 2,763 |
| Total interest expense | $1,026,000 | 2,287 |
| Net interest income | $1,725,000 | 3,027 |
| Provision for loan and lease losses | $160,000 | 1,329 |
| Total noninterest income | $66,000 | 6,549 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $46,000 | 5,168 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,849 |
| Total noninterest expense | $779,000 | 4,638 |
| Salaries and employee benefits | $455,000 | 4,408 |
| Premises and equipment expense | $60,000 | 6,332 |
| Additional noninterest expense | $264,000 | 4,190 |
| Pre-tax net operating income | $852,000 | 2,442 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $311,000 | 1,926 |
| Income before extraordinary items | $541,000 | 2,858 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $541,000 | 2,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $541,000 | 2,805 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,784,000 | 3,486 |
| Total interest expense | $2,649,000 | 2,911 |
| Net interest income | $5,135,000 | 3,738 |
| Provision for loan and lease losses | $763,000 | 1,339 |
| Total noninterest income | $236,000 | 6,875 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $172,000 | 5,525 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $64,000 | 7,105 |
| Total noninterest expense | $2,415,000 | 5,420 |
| Salaries and employee benefits | $1,324,000 | 5,370 |
| Premises and equipment expense | $224,000 | 6,473 |
| Additional noninterest expense | $867,000 | 4,824 |
| Pre-tax net operating income | $2,193,000 | 3,301 |
| Securities gains (losses) | $13,000 | 2,682 |
| Applicable income taxes | $402,000 | 3,719 |
| Income before extraordinary items | $1,804,000 | 3,184 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,804,000 | 3,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,559 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $12,162,000 | 76 |
| Net operating income | $1,793,340 | 3,137 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,416,000 | 3,688 |
| Total interest expense | $1,818,000 | 3,078 |
| Net interest income | $3,598,000 | 3,910 |
| Provision for loan and lease losses | $605,000 | 1,227 |
| Total noninterest income | $189,000 | 6,785 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $130,000 | 5,557 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $59,000 | 6,825 |
| Total noninterest expense | $1,737,000 | 5,517 |
| Salaries and employee benefits | $961,000 | 5,450 |
| Premises and equipment expense | $161,000 | 6,576 |
| Additional noninterest expense | $615,000 | 4,976 |
| Pre-tax net operating income | $1,445,000 | 3,664 |
| Securities gains (losses) | $13,000 | 2,563 |
| Applicable income taxes | $128,000 | 5,064 |
| Income before extraordinary items | $1,330,000 | 3,285 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,330,000 | 3,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,103 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $12,162,000 | 61 |
| Net operating income | $1,318,170 | 3,228 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,254,000 | 4,005 |
| Total interest expense | $1,067,000 | 3,403 |
| Net interest income | $2,187,000 | 4,199 |
| Provision for loan and lease losses | $450,000 | 1,098 |
| Total noninterest income | $136,000 | 6,670 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $87,000 | 5,558 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 6,460 |
| Total noninterest expense | $1,080,000 | 5,755 |
| Salaries and employee benefits | $598,000 | 5,697 |
| Premises and equipment expense | $108,000 | 6,605 |
| Additional noninterest expense | $374,000 | 5,289 |
| Pre-tax net operating income | $793,000 | 4,140 |
| Securities gains (losses) | $13,000 | 2,268 |
| Applicable income taxes | $-100,000 | 8,939 |
| Income before extraordinary items | $906,000 | 3,201 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $906,000 | 3,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $12,162,000 | 39 |
| Net operating income | $893,000 | 3,152 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,453,000 | 4,369 |
| Total interest expense | $470,000 | 3,838 |
| Net interest income | $983,000 | 4,539 |
| Provision for loan and lease losses | $240,000 | 991 |
| Total noninterest income | $46,000 | 7,355 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $36,000 | 5,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $10,000 | 7,740 |
| Total noninterest expense | $466,000 | 6,282 |
| Salaries and employee benefits | $269,000 | 6,097 |
| Premises and equipment expense | $50,000 | 6,793 |
| Additional noninterest expense | $147,000 | 6,069 |
| Pre-tax net operating income | $323,000 | 4,651 |
| Securities gains (losses) | $13,000 | 1,918 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $336,000 | 3,956 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $336,000 | 3,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $12,162,000 | 22 |
| Net operating income | $323,000 | 3,934 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,459,000 | 6,074 |
| Total interest expense | $1,158,000 | 5,685 |
| Net interest income | $2,301,000 | 6,177 |
| Provision for loan and lease losses | $425,000 | 2,459 |
| Total noninterest income | $120,000 | 8,099 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $98,000 | 6,585 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $22,000 | 8,373 |
| Total noninterest expense | $1,647,000 | 6,615 |
| Salaries and employee benefits | $879,000 | 6,666 |
| Premises and equipment expense | $198,000 | 6,802 |
| Additional noninterest expense | $570,000 | 6,152 |
| Pre-tax net operating income | $349,000 | 7,237 |
| Securities gains (losses) | $-2,000 | 8,601 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $347,000 | 7,056 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $347,000 | 7,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,071 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,304,000 | 322 |
| Net operating income | $349,000 | 6,898 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,361,000 | 6,438 |
| Total interest expense | $810,000 | 6,038 |
| Net interest income | $1,551,000 | 6,526 |
| Provision for loan and lease losses | $319,000 | 2,394 |
| Total noninterest income | $77,000 | 8,333 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $63,000 | 6,886 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $14,000 | 8,509 |
| Total noninterest expense | $1,198,000 | 6,708 |
| Salaries and employee benefits | $655,000 | 6,679 |
| Premises and equipment expense | $146,000 | 6,846 |
| Additional noninterest expense | $397,000 | 6,360 |
| Pre-tax net operating income | $111,000 | 8,169 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $113,000 | 8,144 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $113,000 | 8,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,860 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $407,000 | 386 |
| Net operating income | $111,000 | 8,014 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,394,000 | 6,890 |
| Total interest expense | $498,000 | 6,397 |
| Net interest income | $896,000 | 6,962 |
| Provision for loan and lease losses | $206,000 | 2,470 |
| Total noninterest income | $56,000 | 8,230 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $40,000 | 6,948 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $16,000 | 8,080 |
| Total noninterest expense | $782,000 | 6,773 |
| Salaries and employee benefits | $434,000 | 6,719 |
| Premises and equipment expense | $97,000 | 6,846 |
| Additional noninterest expense | $251,000 | 6,516 |
| Pre-tax net operating income | $-36,000 | 8,748 |
| Securities gains (losses) | $12,000 | 2,858 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-24,000 | 8,824 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-24,000 | 8,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,999 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 389 |
| Net operating income | $-36,000 | 8,745 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $588,000 | 7,372 |
| Total interest expense | $221,000 | 6,805 |
| Net interest income | $367,000 | 7,497 |
| Provision for loan and lease losses | $92,000 | 2,478 |
| Total noninterest income | $27,000 | 8,282 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 7,987 |
| Total noninterest expense | $390,000 | 6,792 |
| Salaries and employee benefits | $218,000 | 6,718 |
| Premises and equipment expense | $49,000 | 6,835 |
| Additional noninterest expense | $123,000 | 6,572 |
| Pre-tax net operating income | $-88,000 | 8,962 |
| Securities gains (losses) | $18,000 | 1,950 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-70,000 | 8,993 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-70,000 | 8,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-88,000 | 8,948 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,187,000 | 8,695 |
| Total interest expense | $545,000 | 8,260 |
| Net interest income | $642,000 | 8,828 |
| Provision for loan and lease losses | $337,000 | 3,207 |
| Total noninterest income | $62,000 | 8,848 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $39,000 | 7,698 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $23,000 | 8,435 |
| Total noninterest expense | $1,762,000 | 6,329 |
| Salaries and employee benefits | $927,000 | 6,414 |
| Premises and equipment expense | $186,000 | 6,955 |
| Additional noninterest expense | $649,000 | 5,662 |
| Pre-tax net operating income | $-1,395,000 | 9,190 |
| Securities gains (losses) | $-1,000 | 8,656 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,396,000 | 9,234 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,396,000 | 9,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $7,495,000 | 91 |
| Net operating income | $-1,395,000 | 9,204 |
* 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.