Home > MidWestOne Bank > Income and Expense

MidWestOne Bank, Income and Expense

2008-06-30 (YTD Data)		Rank
Total interest income	$25,602,000	757
Total interest expense	$11,658,000	734
Net interest income	$13,944,000	790
Provision for loan and lease losses	$1,901,000	819
Total noninterest income	$2,423,000	1,139
Gross Fiduciary activities income	$120,000	761
Service charges on deposit accounts	$1,167,000	743
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,136,000	1,282
Total noninterest expense	$9,261,000	1,060
Salaries and employee benefits	$5,531,000	939
Premises and equipment expense	$1,652,000	836
Additional noninterest expense	$2,078,000	1,411
Pre-tax net operating income	$5,205,000	671
Securities gains (losses)	$0	3,233
Applicable income taxes	$1,659,000	602
Income before extraordinary items	$3,546,000	775
Extraordinary gains, net	$0	21
Net income	$3,546,000	774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,028,000	556
Cash dividends	$2,200,000	730
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$3,546,000	759
2008-03-31 (YTD Data)		Rank
Total interest income	$12,975,000	772
Total interest expense	$6,035,000	764
Net interest income	$6,940,000	790
Provision for loan and lease losses	$828,000	710
Total noninterest income	$1,201,000	1,149
Gross Fiduciary activities income	$109,000	632
Service charges on deposit accounts	$526,000	816
Trading account gains and fees	$0	158
Additional Noninterest Income	$566,000	1,289
Total noninterest expense	$4,823,000	1,011
Salaries and employee benefits	$2,836,000	922
Premises and equipment expense	$834,000	836
Additional noninterest expense	$1,153,000	1,247
Pre-tax net operating income	$2,490,000	759
Securities gains (losses)	$0	2,688
Applicable income taxes	$791,000	694
Income before extraordinary items	$1,699,000	880
Extraordinary gains, net	$0	15
Net income	$1,699,000	882
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$764,000	551
Cash dividends	$1,500,000	524
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$1,699,000	841
2007-12-31 (YTD Data)		Rank
Total interest income	$53,372,000	776
Total interest expense	$24,791,000	796
Net interest income	$28,581,000	773
Provision for loan and lease losses	$4,171,000	485
Total noninterest income	$4,405,000	1,206
Gross Fiduciary activities income	$118,000	898
Service charges on deposit accounts	$2,113,000	839
Trading account gains and fees	$0	178
Additional Noninterest Income	$2,174,000	1,300
Total noninterest expense	$18,123,000	1,032
Salaries and employee benefits	$10,566,000	944
Premises and equipment expense	$3,088,000	858
Additional noninterest expense	$4,469,000	1,256
Pre-tax net operating income	$10,692,000	800
Securities gains (losses)	$0	2,146
Applicable income taxes	$3,385,000	729
Income before extraordinary items	$7,307,000	879
Extraordinary gains, net	$0	39
Net income	$7,307,000	877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,616,000	335
Cash dividends	$4,000,000	908
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$7,307,000	865
2007-09-30 (YTD Data)		Rank
Total interest income	$40,458,000	770
Total interest expense	$18,441,000	796
Net interest income	$22,017,000	754
Provision for loan and lease losses	$3,420,000	345
Total noninterest income	$3,360,000	1,188
Gross Fiduciary activities income	$112,000	852
Service charges on deposit accounts	$1,562,000	841
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,686,000	1,277
Total noninterest expense	$13,713,000	1,012
Salaries and employee benefits	$8,292,000	892
Premises and equipment expense	$2,328,000	848
Additional noninterest expense	$3,093,000	1,318
Pre-tax net operating income	$8,244,000	842
Securities gains (losses)	$0	1,655
Applicable income taxes	$2,631,000	768
Income before extraordinary items	$5,613,000	922
Extraordinary gains, net	$0	33
Net income	$5,613,000	920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,914,000	247
Cash dividends	$2,500,000	1,013
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$5,613,000	907
2007-06-30 (YTD Data)		Rank
Total interest income	$27,112,000	768
Total interest expense	$12,116,000	815
Net interest income	$14,996,000	754
Provision for loan and lease losses	$2,600,000	264
Total noninterest income	$2,226,000	1,224
Gross Fiduciary activities income	$106,000	801
Service charges on deposit accounts	$987,000	906
Trading account gains and fees	$0	168
Additional Noninterest Income	$1,133,000	1,286
Total noninterest expense	$9,100,000	1,037
Salaries and employee benefits	$5,473,000	923
Premises and equipment expense	$1,552,000	860
Additional noninterest expense	$2,075,000	1,332
Pre-tax net operating income	$5,522,000	876
Securities gains (losses)	$0	1,444
Applicable income taxes	$1,696,000	834
Income before extraordinary items	$3,826,000	944
Extraordinary gains, net	$0	29
Net income	$3,826,000	943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,524,000	230
Cash dividends	$1,000,000	1,504
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$3,826,000	931
2007-03-31 (YTD Data)		Rank
Total interest income	$13,249,000	777
Total interest expense	$5,984,000	812
Net interest income	$7,265,000	771
Provision for loan and lease losses	$1,420,000	227
Total noninterest income	$1,059,000	1,248
Gross Fiduciary activities income	$93,000	673
Service charges on deposit accounts	$433,000	992
Trading account gains and fees	$0	195
Additional Noninterest Income	$533,000	1,297
Total noninterest expense	$4,672,000	1,004
Salaries and employee benefits	$2,881,000	886
Premises and equipment expense	$778,000	862
Additional noninterest expense	$1,013,000	1,325
Pre-tax net operating income	$2,232,000	1,046
Securities gains (losses)	$0	1,187
Applicable income taxes	$704,000	972
Income before extraordinary items	$1,528,000	1,153
Extraordinary gains, net	$0	22
Net income	$1,528,000	1,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,228,000	206
Cash dividends	$500,000	1,376
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$1,528,000	1,134
2006-12-31 (YTD Data)		Rank
Total interest income	$48,966,000	784
Total interest expense	$19,909,000	845
Net interest income	$29,057,000	759
Provision for loan and lease losses	$2,763,000	404
Total noninterest income	$4,483,000	1,200
Gross Fiduciary activities income	$107,000	924
Service charges on deposit accounts	$2,114,000	830
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,262,000	1,237
Total noninterest expense	$18,162,000	989
Salaries and employee benefits	$10,456,000	922
Premises and equipment expense	$3,099,000	804
Additional noninterest expense	$4,607,000	1,167
Pre-tax net operating income	$12,615,000	793
Securities gains (losses)	$-213,000	8,391
Applicable income taxes	$4,115,000	739
Income before extraordinary items	$8,287,000	912
Extraordinary gains, net	$0	51
Net income	$8,287,000	912
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,081,000	376
Cash dividends	$6,000,000	600
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$8,429,710	878
2006-09-30 (YTD Data)		Rank
Total interest income	$36,200,000	792
Total interest expense	$14,160,000	866
Net interest income	$22,040,000	771
Provision for loan and lease losses	$1,924,000	414
Total noninterest income	$3,281,000	1,226
Gross Fiduciary activities income	$101,000	874
Service charges on deposit accounts	$1,576,000	838
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,604,000	1,305
Total noninterest expense	$13,627,000	989
Salaries and employee benefits	$7,848,000	930
Premises and equipment expense	$2,331,000	823
Additional noninterest expense	$3,448,000	1,173
Pre-tax net operating income	$9,770,000	798
Securities gains (losses)	$-213,000	8,546
Applicable income taxes	$3,194,000	754
Income before extraordinary items	$6,363,000	914
Extraordinary gains, net	$0	45
Net income	$6,363,000	913
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,166,000	407
Cash dividends	$4,500,000	572
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$6,505,710	887
2006-06-30 (YTD Data)		Rank
Total interest income	$23,583,000	788
Total interest expense	$8,865,000	870
Net interest income	$14,718,000	766
Provision for loan and lease losses	$1,128,000	457
Total noninterest income	$2,267,000	1,196
Gross Fiduciary activities income	$99,000	807
Service charges on deposit accounts	$1,060,000	821
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,108,000	1,266
Total noninterest expense	$9,104,000	992
Salaries and employee benefits	$5,128,000	954
Premises and equipment expense	$1,553,000	829
Additional noninterest expense	$2,423,000	1,116
Pre-tax net operating income	$6,753,000	786
Securities gains (losses)	$-126,000	8,569
Applicable income taxes	$2,230,000	730
Income before extraordinary items	$4,397,000	889
Extraordinary gains, net	$0	39
Net income	$4,397,000	890
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$460,000	607
Cash dividends	$3,000,000	574
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$4,480,160	854
2006-03-31 (YTD Data)		Rank
Total interest income	$11,710,000	781
Total interest expense	$4,170,000	880
Net interest income	$7,540,000	746
Provision for loan and lease losses	$448,000	557
Total noninterest income	$1,097,000	1,198
Gross Fiduciary activities income	$89,000	668
Service charges on deposit accounts	$474,000	887
Trading account gains and fees	$0	115
Additional Noninterest Income	$534,000	1,280
Total noninterest expense	$4,677,000	958
Salaries and employee benefits	$2,685,000	912
Premises and equipment expense	$793,000	811
Additional noninterest expense	$1,199,000	1,120
Pre-tax net operating income	$3,512,000	754
Securities gains (losses)	$-126,000	8,676
Applicable income taxes	$1,143,000	715
Income before extraordinary items	$2,243,000	845
Extraordinary gains, net	$0	21
Net income	$2,243,000	844
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-334,000	8,746
Cash dividends	$1,500,000	510
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$2,326,160	808
2005-12-31 (YTD Data)		Rank
Total interest income	$18,981,000	1,778
Total interest expense	$5,448,000	2,051
Net interest income	$13,533,000	1,619
Provision for loan and lease losses	$1,389,000	772
Total noninterest income	$1,396,000	2,821
Gross Fiduciary activities income	$112,000	926
Service charges on deposit accounts	$706,000	2,332
Trading account gains and fees	$0	138
Additional Noninterest Income	$578,000	3,126
Total noninterest expense	$7,046,000	2,382
Salaries and employee benefits	$3,717,000	2,457
Premises and equipment expense	$828,000	2,807
Additional noninterest expense	$2,501,000	2,017
Pre-tax net operating income	$6,494,000	1,469
Securities gains (losses)	$-54,000	8,214
Applicable income taxes	$2,202,000	1,252
Income before extraordinary items	$4,238,000	1,661
Extraordinary gains, net	$0	46
Net income	$4,238,000	1,660
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,065,000	641
Cash dividends	$2,800,000	1,097
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$4,273,640	1,617
2005-09-30 (YTD Data)		Rank
Total interest income	$14,144,000	1,735
Total interest expense	$3,824,000	2,058
Net interest income	$10,320,000	1,579
Provision for loan and lease losses	$1,192,000	645
Total noninterest income	$1,051,000	2,802
Gross Fiduciary activities income	$107,000	869
Service charges on deposit accounts	$519,000	2,364
Trading account gains and fees	$0	126
Additional Noninterest Income	$425,000	3,170
Total noninterest expense	$5,208,000	2,381
Salaries and employee benefits	$2,732,000	2,470
Premises and equipment expense	$625,000	2,770
Additional noninterest expense	$1,851,000	2,011
Pre-tax net operating income	$4,971,000	1,441
Securities gains (losses)	$-54,000	8,503
Applicable income taxes	$1,691,000	1,252
Income before extraordinary items	$3,226,000	1,629
Extraordinary gains, net	$0	35
Net income	$3,226,000	1,631
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$896,000	538
Cash dividends	$2,100,000	1,012
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$3,261,640	1,579
2005-06-30 (YTD Data)		Rank
Total interest income	$9,563,000	1,675
Total interest expense	$2,433,000	2,040
Net interest income	$7,130,000	1,493
Provision for loan and lease losses	$906,000	567
Total noninterest income	$722,000	2,711
Gross Fiduciary activities income	$97,000	807
Service charges on deposit accounts	$335,000	2,398
Trading account gains and fees	$0	116
Additional Noninterest Income	$290,000	3,128
Total noninterest expense	$3,414,000	2,403
Salaries and employee benefits	$1,781,000	2,503
Premises and equipment expense	$405,000	2,812
Additional noninterest expense	$1,228,000	1,998
Pre-tax net operating income	$3,532,000	1,325
Securities gains (losses)	$-54,000	8,610
Applicable income taxes	$1,205,000	1,164
Income before extraordinary items	$2,273,000	1,519
Extraordinary gains, net	$0	30
Net income	$2,273,000	1,518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$653,000	501
Cash dividends	$1,400,000	995
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$2,308,100	1,470
2005-03-31 (YTD Data)		Rank
Total interest income	$4,796,000	1,633
Total interest expense	$1,156,000	2,042
Net interest income	$3,640,000	1,445
Provision for loan and lease losses	$544,000	439
Total noninterest income	$373,000	2,626
Gross Fiduciary activities income	$90,000	663
Service charges on deposit accounts	$160,000	2,428
Trading account gains and fees	$0	115
Additional Noninterest Income	$123,000	3,343
Total noninterest expense	$1,624,000	2,521
Salaries and employee benefits	$823,000	2,710
Premises and equipment expense	$208,000	2,776
Additional noninterest expense	$593,000	2,068
Pre-tax net operating income	$1,845,000	1,234
Securities gains (losses)	$-10,000	8,531
Applicable income taxes	$642,000	1,083
Income before extraordinary items	$1,193,000	1,421
Extraordinary gains, net	$0	24
Net income	$1,193,000	1,423
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$349,000	462
Cash dividends	$700,000	908
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$1,199,500	1,392
2004-12-31 (YTD Data)		Rank
Total interest income	$16,863,000	1,697
Total interest expense	$4,246,000	1,919
Net interest income	$12,617,000	1,616
Provision for loan and lease losses	$1,387,000	779
Total noninterest income	$1,562,000	2,617
Gross Fiduciary activities income	$136,000	871
Service charges on deposit accounts	$774,000	2,203
Trading account gains and fees	$0	138
Additional Noninterest Income	$652,000	2,840
Total noninterest expense	$6,847,000	2,330
Salaries and employee benefits	$3,601,000	2,418
Premises and equipment expense	$774,000	2,871
Additional noninterest expense	$2,472,000	1,971
Pre-tax net operating income	$5,945,000	1,449
Securities gains (losses)	$23,000	2,306
Applicable income taxes	$2,073,000	1,231
Income before extraordinary items	$3,895,000	1,657
Extraordinary gains, net	$0	34
Net income	$3,895,000	1,658
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$930,000	830
Cash dividends	$2,800,000	1,024
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$3,880,050	1,614
2004-09-30 (YTD Data)		Rank
Total interest income	$12,515,000	1,694
Total interest expense	$3,153,000	1,902
Net interest income	$9,362,000	1,620
Provision for loan and lease losses	$1,017,000	763
Total noninterest income	$1,227,000	2,538
Gross Fiduciary activities income	$129,000	823
Service charges on deposit accounts	$596,000	2,170
Trading account gains and fees	$0	134
Additional Noninterest Income	$502,000	2,799
Total noninterest expense	$5,094,000	2,337
Salaries and employee benefits	$2,631,000	2,457
Premises and equipment expense	$579,000	2,879
Additional noninterest expense	$1,884,000	1,911
Pre-tax net operating income	$4,478,000	1,452
Securities gains (losses)	$23,000	2,216
Applicable income taxes	$1,561,000	1,241
Income before extraordinary items	$2,940,000	1,654
Extraordinary gains, net	$0	26
Net income	$2,940,000	1,655
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$682,000	753
Cash dividends	$2,100,000	931
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$2,925,050	1,613
2004-06-30 (YTD Data)		Rank
Total interest income	$8,250,000	1,706
Total interest expense	$2,067,000	1,919
Net interest income	$6,183,000	1,613
Provision for loan and lease losses	$641,000	793
Total noninterest income	$890,000	2,395
Gross Fiduciary activities income	$124,000	743
Service charges on deposit accounts	$392,000	2,185
Trading account gains and fees	$0	130
Additional Noninterest Income	$374,000	2,621
Total noninterest expense	$3,480,000	2,275
Salaries and employee benefits	$1,819,000	2,369
Premises and equipment expense	$389,000	2,853
Additional noninterest expense	$1,272,000	1,880
Pre-tax net operating income	$2,952,000	1,444
Securities gains (losses)	$23,000	1,953
Applicable income taxes	$1,031,000	1,254
Income before extraordinary items	$1,944,000	1,653
Extraordinary gains, net	$0	21
Net income	$1,944,000	1,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$391,000	858
Cash dividends	$1,400,000	951
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,929,050	1,599
2004-03-31 (YTD Data)		Rank
Total interest income	$4,130,000	1,705
Total interest expense	$1,038,000	1,930
Net interest income	$3,092,000	1,612
Provision for loan and lease losses	$237,000	1,010
Total noninterest income	$459,000	2,299
Gross Fiduciary activities income	$88,000	668
Service charges on deposit accounts	$194,000	2,132
Trading account gains and fees	$0	121
Additional Noninterest Income	$177,000	2,669
Total noninterest expense	$1,679,000	2,371
Salaries and employee benefits	$877,000	2,469
Premises and equipment expense	$199,000	2,824
Additional noninterest expense	$603,000	1,967
Pre-tax net operating income	$1,635,000	1,294
Securities gains (losses)	$0	2,934
Applicable income taxes	$573,000	1,176
Income before extraordinary items	$1,062,000	1,505
Extraordinary gains, net	$0	16
Net income	$1,062,000	1,505
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$133,000	1,063
Cash dividends	$700,000	910
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$1,062,000	1,423
2003-12-31 (YTD Data)		Rank
Total interest income	$14,558,000	1,949
Total interest expense	$4,163,000	2,136
Net interest income	$10,395,000	1,873
Provision for loan and lease losses	$1,020,000	1,161
Total noninterest income	$1,590,000	2,724
Gross Fiduciary activities income	$95,000	967
Service charges on deposit accounts	$671,000	2,452
Trading account gains and fees	$0	160
Additional Noninterest Income	$824,000	2,689
Total noninterest expense	$5,728,000	2,706
Salaries and employee benefits	$2,869,000	2,882
Premises and equipment expense	$698,000	3,089
Additional noninterest expense	$2,161,000	2,232
Pre-tax net operating income	$5,237,000	1,558
Securities gains (losses)	$30,000	2,926
Applicable income taxes	$1,828,000	1,371
Income before extraordinary items	$3,439,000	1,813
Extraordinary gains, net	$0	54
Net income	$3,439,000	1,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$808,000	1,084
Cash dividends	$4,000,000	778
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,419,500	1,733
2003-09-30 (YTD Data)		Rank
Total interest income	$10,308,000	2,103
Total interest expense	$3,073,000	2,243
Net interest income	$7,235,000	2,043
Provision for loan and lease losses	$726,000	1,178
Total noninterest income	$1,062,000	3,010
Gross Fiduciary activities income	$87,000	935
Service charges on deposit accounts	$470,000	2,621
Trading account gains and fees	$0	153
Additional Noninterest Income	$505,000	3,119
Total noninterest expense	$3,937,000	2,940
Salaries and employee benefits	$1,930,000	3,198
Premises and equipment expense	$463,000	3,431
Additional noninterest expense	$1,544,000	2,324
Pre-tax net operating income	$3,634,000	1,716
Securities gains (losses)	$30,000	2,693
Applicable income taxes	$1,260,000	1,546
Income before extraordinary items	$2,404,000	1,996
Extraordinary gains, net	$0	40
Net income	$2,404,000	1,995
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$504,000	1,157
Cash dividends	$3,350,000	672
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$2,384,200	1,911
2003-06-30 (YTD Data)		Rank
Total interest income	$6,346,000	2,313
Total interest expense	$1,897,000	2,497
Net interest income	$4,449,000	2,190
Provision for loan and lease losses	$489,000	1,178
Total noninterest income	$647,000	3,177
Gross Fiduciary activities income	$79,000	875
Service charges on deposit accounts	$271,000	2,875
Trading account gains and fees	$0	150
Additional Noninterest Income	$297,000	3,315
Total noninterest expense	$2,238,000	3,345
Salaries and employee benefits	$1,115,000	3,569
Premises and equipment expense	$228,000	4,335
Additional noninterest expense	$895,000	2,631
Pre-tax net operating income	$2,369,000	1,762
Securities gains (losses)	$0	3,782
Applicable income taxes	$812,000	1,597
Income before extraordinary items	$1,557,000	2,038
Extraordinary gains, net	$0	30
Net income	$1,557,000	2,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$385,000	1,023
Cash dividends	$2,700,000	573
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,557,000	1,925
2003-03-31 (YTD Data)		Rank
Total interest income	$3,186,000	2,318
Total interest expense	$942,000	2,562
Net interest income	$2,244,000	2,175
Provision for loan and lease losses	$386,000	757
Total noninterest income	$335,000	2,996
Gross Fiduciary activities income	$76,000	719
Service charges on deposit accounts	$130,000	2,900
Trading account gains and fees	$0	134
Additional Noninterest Income	$129,000	3,478
Total noninterest expense	$1,004,000	3,648
Salaries and employee benefits	$501,000	3,902
Premises and equipment expense	$101,000	4,667
Additional noninterest expense	$402,000	2,849
Pre-tax net operating income	$1,189,000	1,762
Securities gains (losses)	$0	2,891
Applicable income taxes	$404,000	1,609
Income before extraordinary items	$785,000	2,007
Extraordinary gains, net	$0	21
Net income	$785,000	2,005
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$308,000	680
Cash dividends	$650,000	977
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$785,000	1,893
2002-12-31 (YTD Data)		Rank
Total interest income	$13,977,000	2,200
Total interest expense	$4,389,000	2,537
Net interest income	$9,588,000	2,019
Provision for loan and lease losses	$1,540,000	925
Total noninterest income	$1,334,000	2,849
Gross Fiduciary activities income	$103,000	989
Service charges on deposit accounts	$544,000	2,772
Trading account gains and fees	$0	153
Additional Noninterest Income	$687,000	2,738
Total noninterest expense	$4,121,000	3,490
Salaries and employee benefits	$2,065,000	3,646
Premises and equipment expense	$374,000	4,870
Additional noninterest expense	$1,682,000	2,684
Pre-tax net operating income	$5,261,000	1,558
Securities gains (losses)	$0	4,537
Applicable income taxes	$1,804,000	1,410
Income before extraordinary items	$3,457,000	1,736
Extraordinary gains, net	$0	70
Net income	$3,457,000	1,735
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,060,000	917
Cash dividends	$2,827,000	970
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,457,000	1,680
2001-12-31 (YTD Data)		Rank
Total interest income	$14,405,000	2,375
Total interest expense	$6,527,000	2,462
Net interest income	$7,878,000	2,279
Provision for loan and lease losses	$1,448,000	939
Total noninterest income	$1,974,000	2,037
Gross Fiduciary activities income	$142,000	916
Service charges on deposit accounts	$532,000	2,691
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,300,000	1,709
Total noninterest expense	$4,532,000	3,072
Salaries and employee benefits	$2,390,000	3,070
Premises and equipment expense	$840,000	2,507
Additional noninterest expense	$1,302,000	3,253
Pre-tax net operating income	$3,872,000	1,818
Securities gains (losses)	$72,000	2,029
Applicable income taxes	$1,333,000	1,665
Income before extraordinary items	$2,611,000	2,002
Extraordinary gains, net	$0	105
Net income	$2,611,000	2,005
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,112,000	873
Cash dividends	$3,000,000	915
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,563,480	1,961
2000-12-31 (YTD Data)		Rank
Total interest income	$14,214,000	2,440
Total interest expense	$6,575,000	2,546
Net interest income	$7,639,000	2,327
Provision for loan and lease losses	$547,000	1,738
Total noninterest income	$1,539,000	2,302
Gross Fiduciary activities income	$79,000	980
Service charges on deposit accounts	$455,000	2,938
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,005,000	1,847
Total noninterest expense	$4,512,000	2,992
Salaries and employee benefits	$2,260,000	3,107
Premises and equipment expense	$887,000	2,339
Additional noninterest expense	$1,365,000	3,046
Pre-tax net operating income	$4,119,000	1,775
Securities gains (losses)	$-32,000	8,979
Applicable income taxes	$1,201,000	1,824
Income before extraordinary items	$2,886,000	1,803
Extraordinary gains, net	$0	38
Net income	$2,886,000	1,803
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$750,000	917
Cash dividends	$2,550,000	1,102
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,908,720	1,793
1999-12-31 (YTD Data)		Rank
Total interest income	$14,721,000	2,218
Total interest expense	$5,972,000	2,474
Net interest income	$8,749,000	2,011
Provision for loan and lease losses	$713,000	1,306
Total noninterest income	$1,468,000	2,338
Gross Fiduciary activities income	$112,000	974
Service charges on deposit accounts	$474,000	2,751
Trading account gains and fees	$0	173
Additional Noninterest Income	$882,000	2,023
Total noninterest expense	$4,212,000	3,163
Salaries and employee benefits	$2,183,000	3,164
Premises and equipment expense	$924,000	2,212
Additional noninterest expense	$1,105,000	3,697
Pre-tax net operating income	$5,292,000	1,436
Securities gains (losses)	$0	3,155
Applicable income taxes	$1,874,000	1,300
Income before extraordinary items	$3,418,000	1,566
Extraordinary gains, net	$0	35
Net income	$3,418,000	1,567
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$283,000	1,900
Cash dividends	$3,400,000	882
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$3,418,000	1,534
1998-12-31 (YTD Data)		Rank
Total interest income	$14,527,000	2,244
Total interest expense	$6,044,000	2,505
Net interest income	$8,483,000	2,019
Provision for loan and lease losses	$500,000	1,714
Total noninterest income	$1,468,000	2,301
Gross Fiduciary activities income	$86,000	1,033
Service charges on deposit accounts	$511,000	2,511
Trading account gains and fees	$0	224
Additional Noninterest Income	$871,000	2,049
Total noninterest expense	$3,955,000	3,225
Salaries and employee benefits	$2,011,000	3,314
Premises and equipment expense	$871,000	2,235
Additional noninterest expense	$1,073,000	3,712
Pre-tax net operating income	$5,496,000	1,368
Securities gains (losses)	$32,000	2,083
Applicable income taxes	$1,955,000	1,296
Income before extraordinary items	$3,573,000	1,477
Extraordinary gains, net	$0	32
Net income	$3,573,000	1,475
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$442,000	1,392
Cash dividends	$4,200,000	732
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$3,552,200	1,423
1997-12-31 (YTD Data)		Rank
Total interest income	$13,852,000	2,363
Total interest expense	$5,702,000	2,621
Net interest income	$8,150,000	2,139
Provision for loan and lease losses	$156,000	4,044
Total noninterest income	$1,487,000	2,207
Gross Fiduciary activities income	$114,000	1,024
Service charges on deposit accounts	$542,000	2,433
Trading account gains and fees	$0	239
Additional Noninterest Income	$831,000	1,982
Total noninterest expense	$3,975,000	3,193
Salaries and employee benefits	$2,141,000	3,090
Premises and equipment expense	$797,000	2,434
Additional noninterest expense	$1,037,000	3,765
Pre-tax net operating income	$5,506,000	1,412
Securities gains (losses)	$0	3,944
Applicable income taxes	$1,938,000	1,368
Income before extraordinary items	$3,568,000	1,507
Extraordinary gains, net	$0	44
Net income	$3,568,000	1,508
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,126
Cash dividends	$2,400,000	1,117
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$3,568,000	1,470
1996-12-31 (YTD Data)		Rank
Total interest income	$11,368,000	2,910
Total interest expense	$5,443,000	2,799
Net interest income	$5,925,000	2,988
Provision for loan and lease losses	$96,000	5,205
Total noninterest income	$3,219,000	1,285
Gross Fiduciary activities income	$129,000	1,062
Service charges on deposit accounts	$506,000	2,694
Trading account gains and fees	$0	262
Additional Noninterest Income	$2,584,000	974
Total noninterest expense	$3,986,000	3,355
Salaries and employee benefits	$2,026,000	3,296
Premises and equipment expense	$747,000	2,613
Additional noninterest expense	$1,213,000	3,748
Pre-tax net operating income	$5,062,000	1,421
Securities gains (losses)	$-74,000	11,137
Applicable income taxes	$1,706,000	1,419
Income before extraordinary items	$3,282,000	1,509
Extraordinary gains, net	$0	53
Net income	$3,282,000	1,511
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,674
Cash dividends	$2,000,000	1,264
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$3,330,840	1,447
1995-12-31 (YTD Data)		Rank
Total interest income	$10,799,000	3,069
Total interest expense	$5,267,000	2,895
Net interest income	$5,532,000	3,211
Provision for loan and lease losses	$96,000	4,714
Total noninterest income	$2,431,000	1,578
Gross Fiduciary activities income	$68,000	1,237
Service charges on deposit accounts	$495,000	2,747
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,868,000	1,178
Total noninterest expense	$3,919,000	3,396
Salaries and employee benefits	$1,899,000	3,474
Premises and equipment expense	$751,000	2,636
Additional noninterest expense	$1,269,000	3,576
Pre-tax net operating income	$3,948,000	1,878
Securities gains (losses)	$-12,000	10,219
Applicable income taxes	$1,294,000	1,880
Income before extraordinary items	$2,642,000	1,896
Extraordinary gains, net	$0	65
Net income	$2,642,000	1,893
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	5,213
Cash dividends	$2,500,000	1,056
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$2,650,040	1,876
1994-12-31 (YTD Data)		Rank
Total interest income	$9,344,000	3,231
Total interest expense	$3,833,000	3,195
Net interest income	$5,511,000	3,240
Provision for loan and lease losses	$183,000	3,178
Total noninterest income	$2,672,000	1,480
Gross Fiduciary activities income	$59,000	1,275
Service charges on deposit accounts	$510,000	2,689
Trading account gains and fees	$0	475
Additional Noninterest Income	$2,103,000	1,093
Total noninterest expense	$4,000,000	3,427
Salaries and employee benefits	$1,908,000	3,430
Premises and equipment expense	$741,000	2,697
Additional noninterest expense	$1,351,000	3,650
Pre-tax net operating income	$4,000,000	1,780
Securities gains (losses)	$0	3,600
Applicable income taxes	$1,326,000	1,729
Income before extraordinary items	$2,674,000	1,818
Extraordinary gains, net	$0	249
Net income	$2,674,000	1,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$135,000	3,163
Cash dividends	$1,850,000	1,192
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,674,000	1,825
1993-12-31 (YTD Data)		Rank
Total interest income	$9,443,000	3,273
Total interest expense	$3,632,000	3,453
Net interest income	$5,811,000	3,118
Provision for loan and lease losses	$143,000	4,782
Total noninterest income	$2,932,000	1,495
Gross Fiduciary activities income	$57,000	1,318
Service charges on deposit accounts	$488,000	2,862
Trading account gains and fees	$0	532
Additional Noninterest Income	$2,387,000	1,125
Total noninterest expense	$4,022,000	3,474
Salaries and employee benefits	$1,887,000	3,457
Premises and equipment expense	$824,000	2,483
Additional noninterest expense	$1,311,000	3,911
Pre-tax net operating income	$4,578,000	1,532
Securities gains (losses)	$-5,000	12,580
Applicable income taxes	$1,493,000	1,560
Income before extraordinary items	$3,080,000	1,643
Extraordinary gains, net	$0	3,149
Net income	$3,080,000	1,693
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	3,994
Cash dividends	$1,450,000	1,316
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,083,350	1,552
1992-12-31 (YTD Data)		Rank
Total interest income	$10,057,000	3,466
Total interest expense	$4,255,000	3,847
Net interest income	$5,802,000	3,166
Provision for loan and lease losses	$290,000	4,227
Total noninterest income	$2,946,000	1,463
Gross Fiduciary activities income	$64,000	1,329
Service charges on deposit accounts	$469,000	2,976
Trading account gains and fees	$0	504
Additional Noninterest Income	$2,413,000	1,104
Total noninterest expense	$4,166,000	3,378
Salaries and employee benefits	$1,969,000	3,253
Premises and equipment expense	$785,000	2,650
Additional noninterest expense	$1,412,000	3,775
Pre-tax net operating income	$4,292,000	1,477
Securities gains (losses)	$0	8,369
Applicable income taxes	$1,422,000	1,510
Income before extraordinary items	$2,870,000	1,611
Extraordinary gains, net	$134,000	603
Net income	$3,004,000	1,552
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$246,000	3,751
Cash dividends	$1,680,000	988
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$2,870,000	1,496

* 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.