FSB Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,664,000 | 2,744 |
| Total interest expense | $1,612,000 | 2,801 |
| Net interest income | $2,052,000 | 2,699 |
| Provision for loan and lease losses | $40,000 | 3,421 |
| Total noninterest income | $285,000 | 3,220 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $164,000 | 2,433 |
| Trading account gains and fees | $31,000 | 157 |
| Additional Noninterest Income | $90,000 | 3,960 |
| Total noninterest expense | $1,487,000 | 3,007 |
| Salaries and employee benefits | $704,000 | 3,441 |
| Premises and equipment expense | $189,000 | 3,254 |
| Additional noninterest expense | $594,000 | 2,210 |
| Pre-tax net operating income | $810,000 | 2,542 |
| Securities gains (losses) | $-14,000 | 8,315 |
| Applicable income taxes | $184,000 | 2,518 |
| Income before extraordinary items | $612,000 | 2,588 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $612,000 | 2,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,384 |
| Cash dividends | $375,000 | 1,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $622,780 | 2,532 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,200,000 | 3,518 |
| Total interest expense | $4,128,000 | 3,519 |
| Net interest income | $6,072,000 | 3,490 |
| Provision for loan and lease losses | $150,000 | 4,039 |
| Total noninterest income | $950,000 | 3,672 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $612,000 | 2,648 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $338,000 | 4,066 |
| Total noninterest expense | $4,192,000 | 3,852 |
| Salaries and employee benefits | $2,149,000 | 4,056 |
| Premises and equipment expense | $619,000 | 3,667 |
| Additional noninterest expense | $1,424,000 | 3,434 |
| Pre-tax net operating income | $2,680,000 | 2,988 |
| Securities gains (losses) | $-26,000 | 7,669 |
| Applicable income taxes | $730,000 | 2,610 |
| Income before extraordinary items | $1,924,000 | 3,185 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,924,000 | 3,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,097 |
| Cash dividends | $900,000 | 2,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,942,720 | 3,149 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,528,000 | 3,938 |
| Total interest expense | $2,572,000 | 3,882 |
| Net interest income | $3,956,000 | 3,882 |
| Provision for loan and lease losses | $145,000 | 3,470 |
| Total noninterest income | $660,000 | 3,832 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $429,000 | 2,806 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $231,000 | 4,243 |
| Total noninterest expense | $2,867,000 | 4,111 |
| Salaries and employee benefits | $1,479,000 | 4,284 |
| Premises and equipment expense | $449,000 | 3,783 |
| Additional noninterest expense | $939,000 | 3,801 |
| Pre-tax net operating income | $1,604,000 | 3,638 |
| Securities gains (losses) | $-26,000 | 7,943 |
| Applicable income taxes | $430,000 | 3,070 |
| Income before extraordinary items | $1,148,000 | 3,846 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,148,000 | 3,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,477 |
| Cash dividends | $525,000 | 2,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,166,980 | 3,790 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,275,000 | 3,935 |
| Total interest expense | $1,619,000 | 3,923 |
| Net interest income | $2,656,000 | 3,878 |
| Provision for loan and lease losses | $96,000 | 3,387 |
| Total noninterest income | $429,000 | 3,881 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $275,000 | 2,871 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $154,000 | 4,257 |
| Total noninterest expense | $1,973,000 | 4,037 |
| Salaries and employee benefits | $1,040,000 | 4,162 |
| Premises and equipment expense | $312,000 | 3,653 |
| Additional noninterest expense | $621,000 | 3,809 |
| Pre-tax net operating income | $1,016,000 | 3,763 |
| Securities gains (losses) | $-26,000 | 8,175 |
| Applicable income taxes | $269,000 | 3,188 |
| Income before extraordinary items | $721,000 | 3,999 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $721,000 | 4,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 1,954 |
| Cash dividends | $350,000 | 2,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $739,980 | 3,912 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,082,000 | 3,951 |
| Total interest expense | $777,000 | 3,894 |
| Net interest income | $1,305,000 | 3,932 |
| Provision for loan and lease losses | $49,000 | 3,187 |
| Total noninterest income | $204,000 | 3,944 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $123,000 | 3,035 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $81,000 | 4,122 |
| Total noninterest expense | $1,005,000 | 4,012 |
| Salaries and employee benefits | $521,000 | 4,173 |
| Premises and equipment expense | $166,000 | 3,475 |
| Additional noninterest expense | $318,000 | 3,725 |
| Pre-tax net operating income | $455,000 | 3,973 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $122,000 | 3,320 |
| Income before extraordinary items | $333,000 | 4,142 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $333,000 | 4,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 1,053 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $333,000 | 4,125 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,938,000 | 3,778 |
| Total interest expense | $2,650,000 | 3,669 |
| Net interest income | $5,288,000 | 3,798 |
| Provision for loan and lease losses | $192,000 | 3,659 |
| Total noninterest income | $811,000 | 4,010 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $503,000 | 3,048 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $308,000 | 4,276 |
| Total noninterest expense | $3,882,000 | 3,947 |
| Salaries and employee benefits | $2,102,000 | 3,983 |
| Premises and equipment expense | $523,000 | 4,043 |
| Additional noninterest expense | $1,257,000 | 3,722 |
| Pre-tax net operating income | $2,025,000 | 3,659 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $572,000 | 3,157 |
| Income before extraordinary items | $1,455,000 | 3,857 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,455,000 | 3,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $1,375,000 | 1,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,453,560 | 3,834 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,842,000 | 3,791 |
| Total interest expense | $1,893,000 | 3,652 |
| Net interest income | $3,949,000 | 3,801 |
| Provision for loan and lease losses | $140,000 | 3,587 |
| Total noninterest income | $608,000 | 4,016 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $380,000 | 3,030 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $228,000 | 4,316 |
| Total noninterest expense | $2,971,000 | 3,863 |
| Salaries and employee benefits | $1,575,000 | 3,940 |
| Premises and equipment expense | $380,000 | 4,126 |
| Additional noninterest expense | $1,016,000 | 3,466 |
| Pre-tax net operating income | $1,446,000 | 3,857 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $402,000 | 3,315 |
| Income before extraordinary items | $1,046,000 | 4,044 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,046,000 | 4,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,287 |
| Cash dividends | $525,000 | 2,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,044,560 | 4,011 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,795,000 | 3,784 |
| Total interest expense | $1,191,000 | 3,634 |
| Net interest income | $2,604,000 | 3,803 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $387,000 | 4,133 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $244,000 | 3,059 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $143,000 | 4,428 |
| Total noninterest expense | $1,935,000 | 3,911 |
| Salaries and employee benefits | $1,048,000 | 3,935 |
| Premises and equipment expense | $409,000 | 2,785 |
| Additional noninterest expense | $478,000 | 4,533 |
| Pre-tax net operating income | $966,000 | 3,799 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $268,000 | 3,303 |
| Income before extraordinary items | $700,000 | 3,991 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $700,000 | 3,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,182 |
| Cash dividends | $350,000 | 2,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $698,560 | 3,941 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,858,000 | 3,807 |
| Total interest expense | $573,000 | 3,639 |
| Net interest income | $1,285,000 | 3,833 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $185,000 | 4,185 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $114,000 | 3,149 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $71,000 | 4,437 |
| Total noninterest expense | $956,000 | 3,976 |
| Salaries and employee benefits | $514,000 | 4,010 |
| Premises and equipment expense | $205,000 | 2,817 |
| Additional noninterest expense | $237,000 | 4,538 |
| Pre-tax net operating income | $469,000 | 3,847 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $129,000 | 3,372 |
| Income before extraordinary items | $340,000 | 4,028 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $340,000 | 4,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,027 |
| Cash dividends | $175,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $340,000 | 3,989 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,259,000 | 3,707 |
| Total interest expense | $2,340,000 | 3,216 |
| Net interest income | $4,919,000 | 3,846 |
| Provision for loan and lease losses | $185,000 | 3,829 |
| Total noninterest income | $925,000 | 3,729 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $607,000 | 2,680 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $318,000 | 4,162 |
| Total noninterest expense | $3,890,000 | 3,849 |
| Salaries and employee benefits | $2,089,000 | 3,853 |
| Premises and equipment expense | $855,000 | 2,632 |
| Additional noninterest expense | $946,000 | 4,550 |
| Pre-tax net operating income | $1,769,000 | 3,832 |
| Securities gains (losses) | $14,000 | 2,631 |
| Applicable income taxes | $438,000 | 3,560 |
| Income before extraordinary items | $1,345,000 | 3,908 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,345,000 | 3,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 1,894 |
| Cash dividends | $600,000 | 3,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,334,500 | 3,858 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,399,000 | 3,702 |
| Total interest expense | $1,767,000 | 3,146 |
| Net interest income | $3,632,000 | 3,886 |
| Provision for loan and lease losses | $185,000 | 3,119 |
| Total noninterest income | $799,000 | 3,410 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $407,000 | 2,969 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $392,000 | 3,234 |
| Total noninterest expense | $2,989,000 | 3,721 |
| Salaries and employee benefits | $1,600,000 | 3,764 |
| Premises and equipment expense | $659,000 | 2,569 |
| Additional noninterest expense | $730,000 | 4,380 |
| Pre-tax net operating income | $1,257,000 | 4,035 |
| Securities gains (losses) | $6,000 | 2,970 |
| Applicable income taxes | $342,000 | 3,557 |
| Income before extraordinary items | $921,000 | 4,206 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $921,000 | 4,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 1,727 |
| Cash dividends | $450,000 | 2,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $916,620 | 4,152 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,557,000 | 3,733 |
| Total interest expense | $1,200,000 | 3,088 |
| Net interest income | $2,357,000 | 3,953 |
| Provision for loan and lease losses | $165,000 | 2,550 |
| Total noninterest income | $554,000 | 3,345 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $298,000 | 2,727 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $256,000 | 3,281 |
| Total noninterest expense | $2,001,000 | 3,735 |
| Salaries and employee benefits | $1,059,000 | 3,808 |
| Premises and equipment expense | $447,000 | 2,521 |
| Additional noninterest expense | $495,000 | 4,353 |
| Pre-tax net operating income | $745,000 | 4,293 |
| Securities gains (losses) | $6,000 | 2,670 |
| Applicable income taxes | $211,000 | 3,674 |
| Income before extraordinary items | $540,000 | 4,533 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $540,000 | 4,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 1,386 |
| Cash dividends | $300,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $535,680 | 4,475 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 3,742 |
| Total interest expense | $621,000 | 3,035 |
| Net interest income | $1,156,000 | 4,013 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $311,000 | 3,029 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $131,000 | 2,956 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $180,000 | 2,643 |
| Total noninterest expense | $1,008,000 | 3,737 |
| Salaries and employee benefits | $530,000 | 3,818 |
| Premises and equipment expense | $144,000 | 3,699 |
| Additional noninterest expense | $334,000 | 3,426 |
| Pre-tax net operating income | $369,000 | 4,294 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $104,000 | 3,719 |
| Income before extraordinary items | $265,000 | 4,601 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $265,000 | 4,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 8,822 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $265,000 | 4,473 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,832,000 | 3,503 |
| Total interest expense | $2,792,000 | 3,053 |
| Net interest income | $5,040,000 | 3,651 |
| Provision for loan and lease losses | $885,000 | 1,345 |
| Total noninterest income | $1,100,000 | 3,506 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $440,000 | 3,436 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $660,000 | 3,078 |
| Total noninterest expense | $3,883,000 | 3,795 |
| Salaries and employee benefits | $2,169,000 | 3,665 |
| Premises and equipment expense | $542,000 | 3,822 |
| Additional noninterest expense | $1,172,000 | 3,788 |
| Pre-tax net operating income | $1,372,000 | 4,361 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $364,000 | 3,959 |
| Income before extraordinary items | $1,008,000 | 4,622 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,008,000 | 4,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $407,000 | 1,862 |
| Cash dividends | $675,000 | 2,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,008,000 | 4,457 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,944,000 | 3,520 |
| Total interest expense | $2,130,000 | 3,113 |
| Net interest income | $3,814,000 | 3,656 |
| Provision for loan and lease losses | $255,000 | 2,819 |
| Total noninterest income | $853,000 | 3,486 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $295,000 | 3,692 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $558,000 | 2,945 |
| Total noninterest expense | $2,875,000 | 3,829 |
| Salaries and employee benefits | $1,650,000 | 3,607 |
| Premises and equipment expense | $384,000 | 3,978 |
| Additional noninterest expense | $841,000 | 3,928 |
| Pre-tax net operating income | $1,537,000 | 3,468 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $457,000 | 3,186 |
| Income before extraordinary items | $1,080,000 | 3,798 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,080,000 | 3,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,994 |
| Cash dividends | $525,000 | 2,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,080,000 | 3,629 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,994,000 | 3,523 |
| Total interest expense | $1,429,000 | 3,197 |
| Net interest income | $2,565,000 | 3,629 |
| Provision for loan and lease losses | $170,000 | 2,817 |
| Total noninterest income | $558,000 | 3,512 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $186,000 | 3,782 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $372,000 | 2,903 |
| Total noninterest expense | $1,872,000 | 3,877 |
| Salaries and employee benefits | $1,063,000 | 3,727 |
| Premises and equipment expense | $251,000 | 4,030 |
| Additional noninterest expense | $558,000 | 3,911 |
| Pre-tax net operating income | $1,081,000 | 3,330 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $325,000 | 3,086 |
| Income before extraordinary items | $756,000 | 3,656 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $756,000 | 3,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $175,000 | 3,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $756,000 | 3,461 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,004,000 | 3,519 |
| Total interest expense | $721,000 | 3,232 |
| Net interest income | $1,283,000 | 3,623 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $280,000 | 3,404 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $100,000 | 3,549 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $180,000 | 2,901 |
| Total noninterest expense | $942,000 | 3,843 |
| Salaries and employee benefits | $538,000 | 3,674 |
| Premises and equipment expense | $126,000 | 4,003 |
| Additional noninterest expense | $278,000 | 3,881 |
| Pre-tax net operating income | $546,000 | 3,301 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $160,000 | 3,112 |
| Income before extraordinary items | $386,000 | 3,557 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $386,000 | 3,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,992 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $386,000 | 3,372 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,383,000 | 3,502 |
| Total interest expense | $3,218,000 | 3,331 |
| Net interest income | $5,165,000 | 3,569 |
| Provision for loan and lease losses | $375,000 | 2,962 |
| Total noninterest income | $680,000 | 4,406 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $336,000 | 3,980 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $344,000 | 3,988 |
| Total noninterest expense | $3,780,000 | 3,715 |
| Salaries and employee benefits | $2,138,000 | 3,539 |
| Premises and equipment expense | $545,000 | 3,695 |
| Additional noninterest expense | $1,097,000 | 3,892 |
| Pre-tax net operating income | $1,690,000 | 3,805 |
| Securities gains (losses) | $2,000 | 4,234 |
| Applicable income taxes | $486,000 | 3,502 |
| Income before extraordinary items | $1,206,000 | 4,075 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,206,000 | 4,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $378,000 | 2,025 |
| Cash dividends | $650,000 | 3,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,204,580 | 3,972 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,991,000 | 3,651 |
| Total interest expense | $3,984,000 | 3,802 |
| Net interest income | $5,007,000 | 3,422 |
| Provision for loan and lease losses | $270,000 | 3,439 |
| Total noninterest income | $628,000 | 4,481 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $358,000 | 3,704 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $270,000 | 4,335 |
| Total noninterest expense | $3,519,000 | 3,805 |
| Salaries and employee benefits | $1,849,000 | 3,832 |
| Premises and equipment expense | $426,000 | 4,404 |
| Additional noninterest expense | $1,244,000 | 3,390 |
| Pre-tax net operating income | $1,846,000 | 3,364 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $579,000 | 3,032 |
| Income before extraordinary items | $1,269,000 | 3,648 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,269,000 | 3,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,409 |
| Cash dividends | $700,000 | 2,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,267,620 | 3,554 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,088,000 | 3,696 |
| Total interest expense | $3,935,000 | 4,025 |
| Net interest income | $5,153,000 | 3,378 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $585,000 | 4,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 3,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $254,000 | 4,269 |
| Total noninterest expense | $3,314,000 | 3,892 |
| Salaries and employee benefits | $1,644,000 | 4,062 |
| Premises and equipment expense | $442,000 | 4,180 |
| Additional noninterest expense | $1,228,000 | 3,357 |
| Pre-tax net operating income | $2,124,000 | 3,168 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $685,000 | 2,835 |
| Income before extraordinary items | $1,439,000 | 3,358 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,439,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,278 |
| Cash dividends | $1,200,000 | 1,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,439,000 | 3,348 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,931,000 | 3,933 |
| Total interest expense | $3,329,000 | 4,223 |
| Net interest income | $4,602,000 | 3,715 |
| Provision for loan and lease losses | $200,000 | 3,546 |
| Total noninterest income | $559,000 | 4,636 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $312,000 | 3,874 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $247,000 | 4,467 |
| Total noninterest expense | $3,214,000 | 3,977 |
| Salaries and employee benefits | $1,591,000 | 4,141 |
| Premises and equipment expense | $450,000 | 4,124 |
| Additional noninterest expense | $1,173,000 | 3,506 |
| Pre-tax net operating income | $1,747,000 | 3,698 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $553,000 | 3,408 |
| Income before extraordinary items | $1,194,000 | 3,896 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,194,000 | 3,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,365 |
| Cash dividends | $356,000 | 4,173 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,194,000 | 3,862 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,806,000 | 4,033 |
| Total interest expense | $3,582,000 | 4,031 |
| Net interest income | $4,224,000 | 3,951 |
| Provision for loan and lease losses | $210,000 | 3,403 |
| Total noninterest income | $526,000 | 4,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $321,000 | 3,726 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 4,897 |
| Total noninterest expense | $2,976,000 | 4,149 |
| Salaries and employee benefits | $1,437,000 | 4,400 |
| Premises and equipment expense | $448,000 | 4,025 |
| Additional noninterest expense | $1,091,000 | 3,654 |
| Pre-tax net operating income | $1,564,000 | 4,049 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $497,000 | 3,850 |
| Income before extraordinary items | $1,067,000 | 4,281 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,067,000 | 4,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,370 |
| Cash dividends | $315,000 | 4,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,067,000 | 4,185 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,613,000 | 4,157 |
| Total interest expense | $3,666,000 | 3,986 |
| Net interest income | $3,947,000 | 4,282 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $531,000 | 4,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 3,910 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $215,000 | 4,789 |
| Total noninterest expense | $2,886,000 | 4,233 |
| Salaries and employee benefits | $1,390,000 | 4,531 |
| Premises and equipment expense | $466,000 | 3,932 |
| Additional noninterest expense | $1,030,000 | 3,795 |
| Pre-tax net operating income | $1,502,000 | 4,496 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $462,000 | 4,449 |
| Income before extraordinary items | $1,040,000 | 4,558 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,040,000 | 4,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,755 |
| Cash dividends | $315,000 | 4,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,040,000 | 4,499 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,357,000 | 4,375 |
| Total interest expense | $3,650,000 | 4,027 |
| Net interest income | $3,707,000 | 4,609 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $578,000 | 4,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $289,000 | 4,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $289,000 | 4,163 |
| Total noninterest expense | $2,754,000 | 4,626 |
| Salaries and employee benefits | $1,317,000 | 4,805 |
| Premises and equipment expense | $399,000 | 4,546 |
| Additional noninterest expense | $1,038,000 | 4,276 |
| Pre-tax net operating income | $1,471,000 | 4,410 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $462,000 | 4,417 |
| Income before extraordinary items | $1,009,000 | 4,473 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,009,000 | 4,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,357 |
| Cash dividends | $292,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,009,000 | 4,412 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,834,000 | 4,660 |
| Total interest expense | $3,245,000 | 4,437 |
| Net interest income | $3,589,000 | 4,747 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $539,000 | 4,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 4,907 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,119 |
| Total noninterest expense | $2,630,000 | 4,779 |
| Salaries and employee benefits | $1,306,000 | 4,840 |
| Premises and equipment expense | $324,000 | 5,312 |
| Additional noninterest expense | $1,000,000 | 4,348 |
| Pre-tax net operating income | $1,498,000 | 4,460 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $490,000 | 4,263 |
| Income before extraordinary items | $1,008,000 | 4,584 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,008,000 | 4,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 10,972 |
| Cash dividends | $323,000 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,008,000 | 4,561 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,527,000 | 5,217 |
| Total interest expense | $2,345,000 | 4,903 |
| Net interest income | $3,182,000 | 5,353 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $513,000 | 5,196 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 5,338 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $282,000 | 4,274 |
| Total noninterest expense | $2,471,000 | 5,213 |
| Salaries and employee benefits | $1,195,000 | 5,258 |
| Premises and equipment expense | $259,000 | 6,372 |
| Additional noninterest expense | $1,017,000 | 4,652 |
| Pre-tax net operating income | $1,224,000 | 5,171 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $399,000 | 4,778 |
| Income before extraordinary items | $825,000 | 5,244 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $825,000 | 5,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-124,000 | 12,291 |
| Cash dividends | $293,000 | 4,590 |
| Sale, conversion, retirement of capital stock, net | $119,000 | 778 |
| Net operating income | $825,000 | 5,298 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,176,000 | 5,602 |
| Total interest expense | $2,271,000 | 5,234 |
| Net interest income | $2,905,000 | 5,794 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $541,000 | 5,312 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 7,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $394,000 | 3,787 |
| Total noninterest expense | $2,230,000 | 5,800 |
| Salaries and employee benefits | $1,131,000 | 5,503 |
| Premises and equipment expense | $236,000 | 6,969 |
| Additional noninterest expense | $863,000 | 5,567 |
| Pre-tax net operating income | $1,216,000 | 5,133 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $392,000 | 5,083 |
| Income before extraordinary items | $824,000 | 5,442 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $824,000 | 5,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 12,611 |
| Cash dividends | $283,000 | 4,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $824,000 | 5,198 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,468,000 | 5,933 |
| Total interest expense | $2,727,000 | 5,593 |
| Net interest income | $2,741,000 | 6,138 |
| Provision for loan and lease losses | $-175,000 | 13,798 |
| Total noninterest income | $329,000 | 7,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 7,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,704 |
| Total noninterest expense | $2,065,000 | 6,214 |
| Salaries and employee benefits | $1,059,000 | 5,747 |
| Premises and equipment expense | $229,000 | 7,189 |
| Additional noninterest expense | $777,000 | 6,236 |
| Pre-tax net operating income | $1,180,000 | 4,981 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $365,000 | 5,150 |
| Income before extraordinary items | $815,000 | 5,284 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $815,000 | 5,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-213,000 | 13,850 |
| Cash dividends | $296,000 | 4,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $815,000 | 4,983 |
* 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.