Home > Franklin State Bank > Income and Expense
Franklin State Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,499,000 | 5,262 |
| Total interest expense | $622,000 | 5,287 |
| Net interest income | $877,000 | 5,075 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $112,000 | 5,295 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $68,000 | 4,246 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $44,000 | 5,347 |
| Total noninterest expense | $722,000 | 5,149 |
| Salaries and employee benefits | $357,000 | 5,521 |
| Premises and equipment expense | $125,000 | 4,394 |
| Additional noninterest expense | $240,000 | 4,674 |
| Pre-tax net operating income | $267,000 | 4,909 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $104,000 | 3,212 |
| Income before extraordinary items | $163,000 | 5,483 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $163,000 | 5,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,312 |
| Cash dividends | $100,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $163,000 | 5,467 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,757,000 | 5,145 |
| Total interest expense | $2,146,000 | 5,208 |
| Net interest income | $3,611,000 | 4,952 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $569,000 | 4,856 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $291,000 | 4,193 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $278,000 | 4,451 |
| Total noninterest expense | $2,864,000 | 5,033 |
| Salaries and employee benefits | $1,460,000 | 5,293 |
| Premises and equipment expense | $395,000 | 4,950 |
| Additional noninterest expense | $1,009,000 | 4,484 |
| Pre-tax net operating income | $1,316,000 | 4,583 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $508,000 | 3,141 |
| Income before extraordinary items | $808,000 | 5,182 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $808,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,499 |
| Cash dividends | $670,000 | 3,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $808,000 | 5,181 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,236,000 | 5,193 |
| Total interest expense | $1,539,000 | 5,269 |
| Net interest income | $2,697,000 | 5,010 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $416,000 | 4,927 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $210,000 | 4,304 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $206,000 | 4,474 |
| Total noninterest expense | $2,165,000 | 4,999 |
| Salaries and employee benefits | $1,099,000 | 5,252 |
| Premises and equipment expense | $312,000 | 4,803 |
| Additional noninterest expense | $754,000 | 4,475 |
| Pre-tax net operating income | $948,000 | 4,832 |
| Securities gains (losses) | $3,000 | 1,123 |
| Applicable income taxes | $367,000 | 3,298 |
| Income before extraordinary items | $584,000 | 5,419 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $584,000 | 5,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,540 |
| Cash dividends | $490,000 | 2,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $582,080 | 5,423 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,750,000 | 5,238 |
| Total interest expense | $960,000 | 5,337 |
| Net interest income | $1,790,000 | 5,047 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $259,000 | 5,070 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $133,000 | 4,381 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $126,000 | 4,648 |
| Total noninterest expense | $1,460,000 | 4,972 |
| Salaries and employee benefits | $731,000 | 5,277 |
| Premises and equipment expense | $212,000 | 4,755 |
| Additional noninterest expense | $517,000 | 4,368 |
| Pre-tax net operating income | $589,000 | 5,036 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $227,000 | 3,448 |
| Income before extraordinary items | $362,000 | 5,610 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $362,000 | 5,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,137 |
| Cash dividends | $370,000 | 2,829 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $362,000 | 5,609 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,336,000 | 5,279 |
| Total interest expense | $447,000 | 5,412 |
| Net interest income | $889,000 | 5,075 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $124,000 | 5,127 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $61,000 | 4,498 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $750,000 | 4,891 |
| Salaries and employee benefits | $364,000 | 5,319 |
| Premises and equipment expense | $117,000 | 4,489 |
| Additional noninterest expense | $269,000 | 4,239 |
| Pre-tax net operating income | $263,000 | 5,266 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $101,000 | 3,578 |
| Income before extraordinary items | $162,000 | 5,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $162,000 | 5,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $162,000 | 5,783 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,201,000 | 5,027 |
| Total interest expense | $1,265,000 | 5,694 |
| Net interest income | $3,936,000 | 4,674 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $630,000 | 4,671 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $273,000 | 4,391 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $357,000 | 3,975 |
| Total noninterest expense | $3,162,000 | 4,601 |
| Salaries and employee benefits | $1,848,000 | 4,387 |
| Premises and equipment expense | $414,000 | 4,753 |
| Additional noninterest expense | $900,000 | 4,766 |
| Pre-tax net operating income | $1,344,000 | 4,645 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $518,000 | 3,312 |
| Income before extraordinary items | $826,000 | 5,274 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $826,000 | 5,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,078 |
| Cash dividends | $944,000 | 2,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $826,000 | 5,246 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,859,000 | 5,039 |
| Total interest expense | $890,000 | 5,749 |
| Net interest income | $2,969,000 | 4,680 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $488,000 | 4,610 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $207,000 | 4,386 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $281,000 | 3,915 |
| Total noninterest expense | $2,358,000 | 4,604 |
| Salaries and employee benefits | $1,384,000 | 4,357 |
| Premises and equipment expense | $315,000 | 4,674 |
| Additional noninterest expense | $659,000 | 4,803 |
| Pre-tax net operating income | $1,054,000 | 4,631 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $406,000 | 3,300 |
| Income before extraordinary items | $648,000 | 5,273 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $648,000 | 5,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,299 |
| Cash dividends | $708,000 | 2,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $648,000 | 5,235 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,537,000 | 5,015 |
| Total interest expense | $566,000 | 5,724 |
| Net interest income | $1,971,000 | 4,669 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $327,000 | 4,564 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $130,000 | 4,473 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $197,000 | 3,782 |
| Total noninterest expense | $1,571,000 | 4,584 |
| Salaries and employee benefits | $922,000 | 4,332 |
| Premises and equipment expense | $208,000 | 4,682 |
| Additional noninterest expense | $441,000 | 4,793 |
| Pre-tax net operating income | $697,000 | 4,633 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $268,000 | 3,303 |
| Income before extraordinary items | $429,000 | 5,270 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $429,000 | 5,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,534 |
| Cash dividends | $472,000 | 2,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $429,000 | 5,227 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,244,000 | 5,073 |
| Total interest expense | $274,000 | 5,728 |
| Net interest income | $970,000 | 4,712 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $170,000 | 4,385 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $62,000 | 4,532 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $108,000 | 3,584 |
| Total noninterest expense | $784,000 | 4,622 |
| Salaries and employee benefits | $460,000 | 4,365 |
| Premises and equipment expense | $111,000 | 4,520 |
| Additional noninterest expense | $213,000 | 4,873 |
| Pre-tax net operating income | $341,000 | 4,659 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $130,000 | 3,352 |
| Income before extraordinary items | $211,000 | 5,287 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $211,000 | 5,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,462 |
| Cash dividends | $236,000 | 2,041 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $211,000 | 5,252 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,831,000 | 4,962 |
| Total interest expense | $928,000 | 5,872 |
| Net interest income | $3,903,000 | 4,559 |
| Provision for loan and lease losses | $264,000 | 3,159 |
| Total noninterest income | $481,000 | 5,368 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $286,000 | 4,422 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $195,000 | 5,160 |
| Total noninterest expense | $2,999,000 | 4,659 |
| Salaries and employee benefits | $1,444,000 | 5,078 |
| Premises and equipment expense | $622,000 | 3,429 |
| Additional noninterest expense | $933,000 | 4,590 |
| Pre-tax net operating income | $1,121,000 | 4,949 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $431,000 | 3,585 |
| Income before extraordinary items | $690,000 | 5,630 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $690,000 | 5,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,489 |
| Cash dividends | $542,000 | 3,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $690,000 | 5,564 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,622,000 | 4,953 |
| Total interest expense | $695,000 | 5,850 |
| Net interest income | $2,927,000 | 4,558 |
| Provision for loan and lease losses | $198,000 | 3,010 |
| Total noninterest income | $344,000 | 5,521 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $199,000 | 4,656 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $145,000 | 5,198 |
| Total noninterest expense | $2,243,000 | 4,635 |
| Salaries and employee benefits | $1,088,000 | 5,012 |
| Premises and equipment expense | $463,000 | 3,467 |
| Additional noninterest expense | $692,000 | 4,569 |
| Pre-tax net operating income | $830,000 | 5,089 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $319,000 | 3,685 |
| Income before extraordinary items | $511,000 | 5,765 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $511,000 | 5,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,961 |
| Cash dividends | $406,000 | 2,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $511,000 | 5,700 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,405,000 | 4,974 |
| Total interest expense | $468,000 | 5,841 |
| Net interest income | $1,937,000 | 4,573 |
| Provision for loan and lease losses | $132,000 | 2,955 |
| Total noninterest income | $210,000 | 5,711 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $116,000 | 4,937 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $94,000 | 5,284 |
| Total noninterest expense | $1,507,000 | 4,649 |
| Salaries and employee benefits | $726,000 | 5,032 |
| Premises and equipment expense | $319,000 | 3,384 |
| Additional noninterest expense | $462,000 | 4,590 |
| Pre-tax net operating income | $508,000 | 5,272 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $195,000 | 3,835 |
| Income before extraordinary items | $313,000 | 5,942 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $313,000 | 5,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 2,313 |
| Cash dividends | $271,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $313,000 | 5,850 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,214,000 | 4,963 |
| Total interest expense | $239,000 | 5,827 |
| Net interest income | $975,000 | 4,562 |
| Provision for loan and lease losses | $66,000 | 2,819 |
| Total noninterest income | $92,000 | 5,974 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $55,000 | 4,979 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $37,000 | 5,724 |
| Total noninterest expense | $768,000 | 4,603 |
| Salaries and employee benefits | $365,000 | 5,033 |
| Premises and equipment expense | $169,000 | 3,259 |
| Additional noninterest expense | $234,000 | 4,538 |
| Pre-tax net operating income | $233,000 | 5,455 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $89,000 | 3,977 |
| Income before extraordinary items | $144,000 | 6,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $144,000 | 6,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,050 |
| Cash dividends | $135,000 | 2,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $144,000 | 5,993 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,935,000 | 4,935 |
| Total interest expense | $1,144,000 | 5,727 |
| Net interest income | $3,791,000 | 4,540 |
| Provision for loan and lease losses | $96,000 | 5,391 |
| Total noninterest income | $409,000 | 5,918 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $266,000 | 4,597 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $143,000 | 5,905 |
| Total noninterest expense | $2,551,000 | 5,153 |
| Salaries and employee benefits | $1,564,000 | 4,716 |
| Premises and equipment expense | $328,000 | 5,388 |
| Additional noninterest expense | $659,000 | 5,694 |
| Pre-tax net operating income | $1,553,000 | 4,037 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $600,000 | 3,062 |
| Income before extraordinary items | $953,000 | 4,777 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $953,000 | 4,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,263 |
| Cash dividends | $329,000 | 4,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $953,000 | 4,608 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,701,000 | 5,002 |
| Total interest expense | $892,000 | 5,745 |
| Net interest income | $2,809,000 | 4,591 |
| Provision for loan and lease losses | $72,000 | 5,277 |
| Total noninterest income | $312,000 | 5,938 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $204,000 | 4,566 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $108,000 | 5,935 |
| Total noninterest expense | $1,903,000 | 5,148 |
| Salaries and employee benefits | $1,170,000 | 4,712 |
| Premises and equipment expense | $241,000 | 5,445 |
| Additional noninterest expense | $492,000 | 5,700 |
| Pre-tax net operating income | $1,146,000 | 4,208 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $443,000 | 3,244 |
| Income before extraordinary items | $703,000 | 4,984 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $703,000 | 4,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,155 |
| Cash dividends | $246,000 | 3,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $703,000 | 4,791 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,471,000 | 5,027 |
| Total interest expense | $615,000 | 5,761 |
| Net interest income | $1,856,000 | 4,617 |
| Provision for loan and lease losses | $48,000 | 5,200 |
| Total noninterest income | $206,000 | 5,926 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $135,000 | 4,548 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $71,000 | 5,964 |
| Total noninterest expense | $1,261,000 | 5,169 |
| Salaries and employee benefits | $773,000 | 4,729 |
| Premises and equipment expense | $163,000 | 5,379 |
| Additional noninterest expense | $325,000 | 5,714 |
| Pre-tax net operating income | $753,000 | 4,224 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $291,000 | 3,296 |
| Income before extraordinary items | $462,000 | 5,008 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $462,000 | 5,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,092 |
| Cash dividends | $164,000 | 3,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $462,000 | 4,804 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,244,000 | 5,031 |
| Total interest expense | $321,000 | 5,729 |
| Net interest income | $923,000 | 4,631 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $94,000 | 6,054 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $56,000 | 4,926 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $38,000 | 5,786 |
| Total noninterest expense | $643,000 | 5,101 |
| Salaries and employee benefits | $383,000 | 4,765 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $176,000 | 5,433 |
| Pre-tax net operating income | $350,000 | 4,390 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $135,000 | 3,410 |
| Income before extraordinary items | $215,000 | 5,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $215,000 | 5,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $81,000 | 3,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $215,000 | 4,944 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,192,000 | 5,047 |
| Total interest expense | $1,535,000 | 5,654 |
| Net interest income | $3,657,000 | 4,629 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $407,000 | 5,741 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $242,000 | 4,778 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $165,000 | 5,405 |
| Total noninterest expense | $2,401,000 | 5,217 |
| Salaries and employee benefits | $1,373,000 | 5,008 |
| Premises and equipment expense | $317,000 | 5,391 |
| Additional noninterest expense | $711,000 | 5,360 |
| Pre-tax net operating income | $1,543,000 | 4,039 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $596,000 | 3,132 |
| Income before extraordinary items | $947,000 | 4,742 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $947,000 | 4,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,185 |
| Cash dividends | $455,000 | 3,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $947,000 | 4,618 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,517,000 | 5,282 |
| Total interest expense | $2,329,000 | 5,616 |
| Net interest income | $3,188,000 | 4,855 |
| Provision for loan and lease losses | $152,000 | 4,732 |
| Total noninterest income | $507,000 | 5,031 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $217,000 | 4,976 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $290,000 | 4,187 |
| Total noninterest expense | $2,079,000 | 5,598 |
| Salaries and employee benefits | $538,000 | 7,988 |
| Premises and equipment expense | $294,000 | 5,581 |
| Additional noninterest expense | $1,247,000 | 3,382 |
| Pre-tax net operating income | $1,464,000 | 3,923 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $565,000 | 3,081 |
| Income before extraordinary items | $899,000 | 4,578 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $899,000 | 4,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,653 |
| Cash dividends | $393,000 | 3,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $899,000 | 4,459 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,085,000 | 5,673 |
| Total interest expense | $2,435,000 | 5,649 |
| Net interest income | $2,650,000 | 5,602 |
| Provision for loan and lease losses | $168,000 | 4,178 |
| Total noninterest income | $425,000 | 5,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 5,497 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $256,000 | 4,248 |
| Total noninterest expense | $2,003,000 | 5,679 |
| Salaries and employee benefits | $522,000 | 8,138 |
| Premises and equipment expense | $293,000 | 5,500 |
| Additional noninterest expense | $1,188,000 | 3,460 |
| Pre-tax net operating income | $904,000 | 5,534 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $337,000 | 4,337 |
| Income before extraordinary items | $567,000 | 6,007 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $567,000 | 6,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $240,000 | 4,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $567,000 | 6,012 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,243,000 | 6,154 |
| Total interest expense | $1,827,000 | 6,304 |
| Net interest income | $2,416,000 | 5,928 |
| Provision for loan and lease losses | $168,000 | 4,004 |
| Total noninterest income | $617,000 | 4,347 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 5,633 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $454,000 | 3,147 |
| Total noninterest expense | $1,928,000 | 5,820 |
| Salaries and employee benefits | $586,000 | 7,835 |
| Premises and equipment expense | $278,000 | 5,710 |
| Additional noninterest expense | $1,064,000 | 3,813 |
| Pre-tax net operating income | $937,000 | 5,499 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $347,000 | 4,496 |
| Income before extraordinary items | $590,000 | 5,944 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $590,000 | 5,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,500 |
| Cash dividends | $216,000 | 5,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $590,000 | 5,919 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,552,000 | 6,899 |
| Total interest expense | $1,606,000 | 6,961 |
| Net interest income | $1,946,000 | 6,770 |
| Provision for loan and lease losses | $50,000 | 6,568 |
| Total noninterest income | $447,000 | 5,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 5,821 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $291,000 | 4,102 |
| Total noninterest expense | $1,622,000 | 6,385 |
| Salaries and employee benefits | $489,000 | 8,430 |
| Premises and equipment expense | $167,000 | 7,299 |
| Additional noninterest expense | $966,000 | 4,071 |
| Pre-tax net operating income | $721,000 | 6,404 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $263,000 | 5,514 |
| Income before extraordinary items | $458,000 | 6,865 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $458,000 | 6,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $225,000 | 5,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $458,000 | 6,759 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,906,000 | 7,878 |
| Total interest expense | $1,216,000 | 8,068 |
| Net interest income | $1,690,000 | 7,573 |
| Provision for loan and lease losses | $48,000 | 6,747 |
| Total noninterest income | $330,000 | 6,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 6,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,173 |
| Total noninterest expense | $1,264,000 | 7,465 |
| Salaries and employee benefits | $446,000 | 8,965 |
| Premises and equipment expense | $148,000 | 7,841 |
| Additional noninterest expense | $670,000 | 5,390 |
| Pre-tax net operating income | $708,000 | 6,948 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $272,000 | 6,008 |
| Income before extraordinary items | $448,000 | 7,325 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $448,000 | 7,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $291,000 | 4,667 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 502 |
| Net operating income | $440,320 | 7,328 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,531,000 | 8,661 |
| Total interest expense | $1,034,000 | 8,900 |
| Net interest income | $1,497,000 | 8,272 |
| Provision for loan and lease losses | $88,000 | 5,424 |
| Total noninterest income | $286,000 | 7,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,382 |
| Total noninterest expense | $1,160,000 | 8,112 |
| Salaries and employee benefits | $459,000 | 9,182 |
| Premises and equipment expense | $140,000 | 8,281 |
| Additional noninterest expense | $561,000 | 6,606 |
| Pre-tax net operating income | $535,000 | 7,752 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $196,000 | 7,198 |
| Income before extraordinary items | $347,000 | 8,030 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $347,000 | 8,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,098 |
| Cash dividends | $278,000 | 4,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $341,880 | 8,016 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,258,000 | 9,321 |
| Total interest expense | $879,000 | 9,695 |
| Net interest income | $1,379,000 | 8,845 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $254,000 | 7,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,238 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,842 |
| Total noninterest expense | $1,203,000 | 8,197 |
| Salaries and employee benefits | $454,000 | 9,506 |
| Premises and equipment expense | $130,000 | 8,799 |
| Additional noninterest expense | $619,000 | 6,409 |
| Pre-tax net operating income | $418,000 | 8,953 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $151,000 | 8,236 |
| Income before extraordinary items | $271,000 | 9,214 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $271,000 | 9,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,745 |
| Cash dividends | $180,000 | 5,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $268,440 | 9,218 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,860,000 | 10,063 |
| Total interest expense | $580,000 | 10,695 |
| Net interest income | $1,280,000 | 9,520 |
| Provision for loan and lease losses | $5,000 | 8,812 |
| Total noninterest income | $264,000 | 7,750 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,543 |
| Total noninterest expense | $1,199,000 | 8,602 |
| Salaries and employee benefits | $476,000 | 9,608 |
| Premises and equipment expense | $159,000 | 8,320 |
| Additional noninterest expense | $564,000 | 7,304 |
| Pre-tax net operating income | $340,000 | 9,817 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $115,000 | 9,026 |
| Income before extraordinary items | $224,000 | 9,989 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $224,000 | 10,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $140,000 | 6,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $224,660 | 10,048 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,716,000 | 10,768 |
| Total interest expense | $564,000 | 11,341 |
| Net interest income | $1,152,000 | 10,220 |
| Provision for loan and lease losses | $45,000 | 7,729 |
| Total noninterest income | $267,000 | 8,113 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 6,163 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,764 |
| Total noninterest expense | $1,042,000 | 9,553 |
| Salaries and employee benefits | $286,000 | 11,805 |
| Premises and equipment expense | $127,000 | 9,576 |
| Additional noninterest expense | $629,000 | 7,089 |
| Pre-tax net operating income | $332,000 | 9,968 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $106,000 | 9,601 |
| Income before extraordinary items | $225,000 | 10,341 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $225,000 | 10,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 7,087 |
| Cash dividends | $68,000 | 7,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $225,680 | 10,098 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,961,000 | 10,965 |
| Total interest expense | $834,000 | 11,176 |
| Net interest income | $1,127,000 | 10,599 |
| Provision for loan and lease losses | $90,000 | 7,540 |
| Total noninterest income | $278,000 | 8,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 6,035 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 8,855 |
| Total noninterest expense | $984,000 | 10,050 |
| Salaries and employee benefits | $288,000 | 12,154 |
| Premises and equipment expense | $133,000 | 9,598 |
| Additional noninterest expense | $563,000 | 7,837 |
| Pre-tax net operating income | $331,000 | 9,862 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $83,000 | 10,366 |
| Income before extraordinary items | $246,000 | 9,970 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $246,000 | 10,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 8,614 |
| Cash dividends | $11,000 | 8,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $247,500 | 9,584 |
* 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.