Home > The First National Bank of Centerville > Income and Expense
The First National Bank of Centerville, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,188,000 | 8,091 |
| Total interest expense | $482,000 | 7,970 |
| Net interest income | $706,000 | 8,083 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $92,000 | 7,643 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $70,000 | 6,442 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $22,000 | 7,751 |
| Total noninterest expense | $520,000 | 8,310 |
| Salaries and employee benefits | $254,000 | 8,359 |
| Premises and equipment expense | $65,000 | 8,117 |
| Additional noninterest expense | $201,000 | 8,025 |
| Pre-tax net operating income | $278,000 | 6,658 |
| Securities gains (losses) | $19,000 | 1,121 |
| Applicable income taxes | $97,000 | 4,509 |
| Income before extraordinary items | $200,000 | 6,791 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $200,000 | 6,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,164 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $187,270 | 6,813 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,006,000 | 4,893 |
| Total interest expense | $1,643,000 | 5,641 |
| Net interest income | $3,363,000 | 4,331 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $373,000 | 5,067 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $278,000 | 3,665 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $95,000 | 5,889 |
| Total noninterest expense | $2,820,000 | 4,280 |
| Salaries and employee benefits | $1,504,000 | 4,368 |
| Premises and equipment expense | $363,000 | 4,445 |
| Additional noninterest expense | $953,000 | 3,850 |
| Pre-tax net operating income | $916,000 | 4,553 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $340,000 | 3,020 |
| Income before extraordinary items | $576,000 | 5,087 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $576,000 | 5,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,856 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $576,000 | 5,083 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,349,000 | 4,897 |
| Total interest expense | $1,072,000 | 5,703 |
| Net interest income | $2,277,000 | 4,315 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $246,000 | 5,108 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $180,000 | 3,727 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $66,000 | 5,849 |
| Total noninterest expense | $1,875,000 | 4,326 |
| Salaries and employee benefits | $1,042,000 | 4,285 |
| Premises and equipment expense | $246,000 | 4,433 |
| Additional noninterest expense | $587,000 | 4,076 |
| Pre-tax net operating income | $648,000 | 4,483 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $239,000 | 3,033 |
| Income before extraordinary items | $409,000 | 5,017 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $409,000 | 5,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,279 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $409,000 | 5,011 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,667,000 | 4,909 |
| Total interest expense | $527,000 | 5,733 |
| Net interest income | $1,140,000 | 4,309 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $123,000 | 5,068 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $87,000 | 3,734 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $36,000 | 5,687 |
| Total noninterest expense | $968,000 | 4,237 |
| Salaries and employee benefits | $527,000 | 4,265 |
| Premises and equipment expense | $117,000 | 4,586 |
| Additional noninterest expense | $324,000 | 3,739 |
| Pre-tax net operating income | $295,000 | 4,691 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $111,000 | 3,133 |
| Income before extraordinary items | $184,000 | 5,244 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $184,000 | 5,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,299 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $184,000 | 5,227 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,465,000 | 4,776 |
| Total interest expense | $1,905,000 | 5,535 |
| Net interest income | $4,560,000 | 4,302 |
| Provision for loan and lease losses | $12,000 | 6,496 |
| Total noninterest income | $485,000 | 5,200 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $370,000 | 3,697 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $115,000 | 6,084 |
| Total noninterest expense | $3,731,000 | 4,184 |
| Salaries and employee benefits | $2,078,000 | 4,153 |
| Premises and equipment expense | $453,000 | 4,546 |
| Additional noninterest expense | $1,200,000 | 3,933 |
| Pre-tax net operating income | $1,302,000 | 4,610 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $484,000 | 3,198 |
| Income before extraordinary items | $818,000 | 5,154 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $818,000 | 5,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,237 |
| Cash dividends | $400,000 | 4,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $818,000 | 5,151 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,690,000 | 4,862 |
| Total interest expense | $1,371,000 | 5,584 |
| Net interest income | $3,319,000 | 4,426 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $364,000 | 5,206 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $280,000 | 3,705 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $84,000 | 6,144 |
| Total noninterest expense | $2,799,000 | 4,175 |
| Salaries and employee benefits | $1,588,000 | 4,081 |
| Premises and equipment expense | $346,000 | 4,492 |
| Additional noninterest expense | $865,000 | 4,036 |
| Pre-tax net operating income | $839,000 | 5,137 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $314,000 | 3,521 |
| Income before extraordinary items | $525,000 | 5,656 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $525,000 | 5,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $525,000 | 5,652 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,988,000 | 4,960 |
| Total interest expense | $871,000 | 5,591 |
| Net interest income | $2,117,000 | 4,539 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $237,000 | 5,266 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $182,000 | 3,753 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $55,000 | 6,230 |
| Total noninterest expense | $1,905,000 | 4,130 |
| Salaries and employee benefits | $1,092,000 | 4,001 |
| Premises and equipment expense | $235,000 | 4,444 |
| Additional noninterest expense | $578,000 | 4,024 |
| Pre-tax net operating income | $419,000 | 5,797 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $155,000 | 3,955 |
| Income before extraordinary items | $264,000 | 6,277 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $264,000 | 6,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $264,000 | 6,281 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,444,000 | 5,013 |
| Total interest expense | $411,000 | 5,618 |
| Net interest income | $1,033,000 | 4,618 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $118,000 | 5,248 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $85,000 | 3,811 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $33,000 | 5,895 |
| Total noninterest expense | $997,000 | 4,025 |
| Salaries and employee benefits | $545,000 | 4,032 |
| Premises and equipment expense | $121,000 | 4,385 |
| Additional noninterest expense | $331,000 | 3,604 |
| Pre-tax net operating income | $139,000 | 6,554 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $31,000 | 4,987 |
| Income before extraordinary items | $108,000 | 6,599 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $108,000 | 6,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,654 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $108,000 | 6,595 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,390,000 | 4,923 |
| Total interest expense | $1,267,000 | 5,689 |
| Net interest income | $4,123,000 | 4,527 |
| Provision for loan and lease losses | $70,000 | 5,300 |
| Total noninterest income | $443,000 | 5,505 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $357,000 | 3,803 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $86,000 | 6,640 |
| Total noninterest expense | $3,757,000 | 4,055 |
| Salaries and employee benefits | $2,099,000 | 3,988 |
| Premises and equipment expense | $433,000 | 4,625 |
| Additional noninterest expense | $1,225,000 | 3,815 |
| Pre-tax net operating income | $739,000 | 6,045 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $261,000 | 4,309 |
| Income before extraordinary items | $478,000 | 6,449 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $478,000 | 6,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,266 |
| Cash dividends | $250,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $478,000 | 6,424 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,981,000 | 4,935 |
| Total interest expense | $892,000 | 5,742 |
| Net interest income | $3,089,000 | 4,543 |
| Provision for loan and lease losses | $55,000 | 5,056 |
| Total noninterest income | $340,000 | 5,495 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $269,000 | 3,803 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $71,000 | 6,499 |
| Total noninterest expense | $2,788,000 | 4,058 |
| Salaries and employee benefits | $1,567,000 | 3,960 |
| Premises and equipment expense | $326,000 | 4,576 |
| Additional noninterest expense | $895,000 | 3,827 |
| Pre-tax net operating income | $586,000 | 6,068 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $221,000 | 4,272 |
| Income before extraordinary items | $365,000 | 6,568 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $365,000 | 6,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,823 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $365,000 | 6,526 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,610,000 | 4,921 |
| Total interest expense | $549,000 | 5,803 |
| Net interest income | $2,061,000 | 4,523 |
| Provision for loan and lease losses | $40,000 | 4,850 |
| Total noninterest income | $218,000 | 5,549 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $178,000 | 3,764 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $40,000 | 6,773 |
| Total noninterest expense | $1,878,000 | 4,008 |
| Salaries and employee benefits | $1,043,000 | 3,945 |
| Premises and equipment expense | $220,000 | 4,499 |
| Additional noninterest expense | $615,000 | 3,724 |
| Pre-tax net operating income | $361,000 | 6,219 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $129,000 | 4,466 |
| Income before extraordinary items | $232,000 | 6,653 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $232,000 | 6,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,276 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $232,000 | 6,606 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,275,000 | 4,981 |
| Total interest expense | $249,000 | 5,976 |
| Net interest income | $1,026,000 | 4,533 |
| Provision for loan and lease losses | $10,000 | 5,373 |
| Total noninterest income | $104,000 | 5,592 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $82,000 | 3,875 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,697 |
| Total noninterest expense | $939,000 | 4,034 |
| Salaries and employee benefits | $537,000 | 3,874 |
| Premises and equipment expense | $107,000 | 4,643 |
| Additional noninterest expense | $295,000 | 3,860 |
| Pre-tax net operating income | $181,000 | 6,182 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $63,000 | 4,453 |
| Income before extraordinary items | $118,000 | 6,602 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $118,000 | 6,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,027 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $118,000 | 6,566 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,918,000 | 4,900 |
| Total interest expense | $872,000 | 6,029 |
| Net interest income | $4,046,000 | 4,447 |
| Provision for loan and lease losses | $105,000 | 4,905 |
| Total noninterest income | $513,000 | 5,203 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $420,000 | 3,525 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $93,000 | 6,537 |
| Total noninterest expense | $3,686,000 | 3,995 |
| Salaries and employee benefits | $2,006,000 | 3,994 |
| Premises and equipment expense | $469,000 | 4,285 |
| Additional noninterest expense | $1,211,000 | 3,714 |
| Pre-tax net operating income | $768,000 | 5,888 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $262,000 | 4,399 |
| Income before extraordinary items | $506,000 | 6,332 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $506,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,515 |
| Cash dividends | $250,000 | 4,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $506,000 | 6,264 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,676,000 | 4,893 |
| Total interest expense | $642,000 | 6,072 |
| Net interest income | $3,034,000 | 4,429 |
| Provision for loan and lease losses | $75,000 | 4,788 |
| Total noninterest income | $395,000 | 5,161 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $321,000 | 3,496 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $74,000 | 6,452 |
| Total noninterest expense | $2,725,000 | 4,016 |
| Salaries and employee benefits | $1,492,000 | 3,965 |
| Premises and equipment expense | $357,000 | 4,230 |
| Additional noninterest expense | $876,000 | 3,811 |
| Pre-tax net operating income | $629,000 | 5,768 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $218,000 | 4,318 |
| Income before extraordinary items | $411,000 | 6,257 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $411,000 | 6,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,186 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $411,000 | 6,187 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,432,000 | 4,930 |
| Total interest expense | $430,000 | 6,076 |
| Net interest income | $2,002,000 | 4,474 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $265,000 | 5,136 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $219,000 | 3,436 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $46,000 | 6,590 |
| Total noninterest expense | $1,825,000 | 4,039 |
| Salaries and employee benefits | $995,000 | 3,995 |
| Premises and equipment expense | $242,000 | 4,170 |
| Additional noninterest expense | $588,000 | 3,805 |
| Pre-tax net operating income | $412,000 | 5,790 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $142,000 | 4,342 |
| Income before extraordinary items | $270,000 | 6,277 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $270,000 | 6,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,147 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $270,000 | 6,187 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,229,000 | 4,922 |
| Total interest expense | $217,000 | 6,120 |
| Net interest income | $1,012,000 | 4,435 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $130,000 | 5,127 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $107,000 | 3,416 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $23,000 | 6,579 |
| Total noninterest expense | $920,000 | 4,021 |
| Salaries and employee benefits | $502,000 | 3,991 |
| Premises and equipment expense | $118,000 | 4,296 |
| Additional noninterest expense | $300,000 | 3,750 |
| Pre-tax net operating income | $207,000 | 5,748 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $71,000 | 4,329 |
| Income before extraordinary items | $136,000 | 6,238 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $136,000 | 6,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,144 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $136,000 | 6,132 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,145,000 | 4,793 |
| Total interest expense | $1,082,000 | 5,889 |
| Net interest income | $4,063,000 | 4,316 |
| Provision for loan and lease losses | $155,000 | 4,520 |
| Total noninterest income | $461,000 | 5,637 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $405,000 | 3,617 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $56,000 | 7,407 |
| Total noninterest expense | $3,581,000 | 4,032 |
| Salaries and employee benefits | $1,947,000 | 4,014 |
| Premises and equipment expense | $470,000 | 4,250 |
| Additional noninterest expense | $1,164,000 | 3,808 |
| Pre-tax net operating income | $788,000 | 5,734 |
| Securities gains (losses) | $36,000 | 2,779 |
| Applicable income taxes | $276,000 | 4,407 |
| Income before extraordinary items | $548,000 | 6,138 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $548,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,514 |
| Cash dividends | $250,000 | 4,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $523,880 | 6,086 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,870,000 | 4,833 |
| Total interest expense | $852,000 | 5,895 |
| Net interest income | $3,018,000 | 4,367 |
| Provision for loan and lease losses | $65,000 | 5,417 |
| Total noninterest income | $314,000 | 5,930 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $286,000 | 3,767 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $28,000 | 7,919 |
| Total noninterest expense | $2,708,000 | 3,987 |
| Salaries and employee benefits | $1,476,000 | 3,974 |
| Premises and equipment expense | $356,000 | 4,216 |
| Additional noninterest expense | $876,000 | 3,785 |
| Pre-tax net operating income | $559,000 | 6,031 |
| Securities gains (losses) | $36,000 | 2,564 |
| Applicable income taxes | $202,000 | 4,627 |
| Income before extraordinary items | $393,000 | 6,392 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $393,000 | 6,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,181 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $369,240 | 6,369 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,604,000 | 4,845 |
| Total interest expense | $606,000 | 5,803 |
| Net interest income | $1,998,000 | 4,401 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $175,000 | 6,289 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $171,000 | 3,990 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,000 | 8,891 |
| Total noninterest expense | $1,867,000 | 3,882 |
| Salaries and employee benefits | $992,000 | 3,941 |
| Premises and equipment expense | $245,000 | 4,111 |
| Additional noninterest expense | $630,000 | 3,571 |
| Pre-tax net operating income | $291,000 | 6,553 |
| Securities gains (losses) | $36,000 | 2,247 |
| Applicable income taxes | $109,000 | 5,005 |
| Income before extraordinary items | $218,000 | 6,805 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $218,000 | 6,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $193,880 | 6,842 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,320,000 | 4,826 |
| Total interest expense | $316,000 | 5,776 |
| Net interest income | $1,004,000 | 4,390 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $72,000 | 6,663 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $82,000 | 4,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-10,000 | 9,279 |
| Total noninterest expense | $966,000 | 3,770 |
| Salaries and employee benefits | $502,000 | 3,887 |
| Premises and equipment expense | $85,000 | 5,226 |
| Additional noninterest expense | $379,000 | 2,991 |
| Pre-tax net operating income | $110,000 | 7,039 |
| Securities gains (losses) | $36,000 | 1,574 |
| Applicable income taxes | $47,000 | 5,201 |
| Income before extraordinary items | $99,000 | 6,918 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $99,000 | 6,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $74,520 | 7,253 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,988,000 | 4,569 |
| Total interest expense | $1,639,000 | 5,451 |
| Net interest income | $4,349,000 | 4,095 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $401,000 | 5,779 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $333,000 | 4,002 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $68,000 | 7,131 |
| Total noninterest expense | $3,527,000 | 3,934 |
| Salaries and employee benefits | $1,909,000 | 3,893 |
| Premises and equipment expense | $484,000 | 4,039 |
| Additional noninterest expense | $1,134,000 | 3,772 |
| Pre-tax net operating income | $1,103,000 | 4,944 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $394,000 | 3,912 |
| Income before extraordinary items | $709,000 | 5,526 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $709,000 | 5,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,896 |
| Cash dividends | $350,000 | 4,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $709,000 | 5,386 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,171,000 | 4,348 |
| Total interest expense | $2,875,000 | 4,884 |
| Net interest income | $4,296,000 | 3,908 |
| Provision for loan and lease losses | $80,000 | 5,977 |
| Total noninterest income | $448,000 | 5,384 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $348,000 | 3,774 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $100,000 | 6,441 |
| Total noninterest expense | $3,395,000 | 3,925 |
| Salaries and employee benefits | $1,813,000 | 3,895 |
| Premises and equipment expense | $503,000 | 3,847 |
| Additional noninterest expense | $1,079,000 | 3,817 |
| Pre-tax net operating income | $1,269,000 | 4,290 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $448,000 | 3,504 |
| Income before extraordinary items | $824,000 | 4,797 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $824,000 | 4,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,455 |
| Cash dividends | $350,000 | 4,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $822,050 | 4,681 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,715,000 | 4,250 |
| Total interest expense | $3,102,000 | 4,795 |
| Net interest income | $4,613,000 | 3,719 |
| Provision for loan and lease losses | $70,000 | 5,970 |
| Total noninterest income | $445,000 | 5,223 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $347,000 | 3,621 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $98,000 | 6,478 |
| Total noninterest expense | $3,179,000 | 4,035 |
| Salaries and employee benefits | $1,725,000 | 3,904 |
| Premises and equipment expense | $498,000 | 3,804 |
| Additional noninterest expense | $956,000 | 4,133 |
| Pre-tax net operating income | $1,809,000 | 3,558 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $657,000 | 2,937 |
| Income before extraordinary items | $1,156,000 | 3,965 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,156,000 | 3,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,226 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,153,440 | 3,958 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,368,000 | 4,210 |
| Total interest expense | $3,264,000 | 4,302 |
| Net interest income | $4,104,000 | 4,081 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $489,000 | 5,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $354,000 | 3,538 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 5,870 |
| Total noninterest expense | $2,958,000 | 4,266 |
| Salaries and employee benefits | $1,641,000 | 4,035 |
| Premises and equipment expense | $444,000 | 4,179 |
| Additional noninterest expense | $873,000 | 4,481 |
| Pre-tax net operating income | $1,635,000 | 3,864 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $580,000 | 3,291 |
| Income before extraordinary items | $1,054,000 | 4,261 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,054,000 | 4,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,247 |
| Cash dividends | $350,000 | 4,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,054,650 | 4,218 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,012,000 | 4,389 |
| Total interest expense | $3,406,000 | 4,244 |
| Net interest income | $3,606,000 | 4,473 |
| Provision for loan and lease losses | $25,000 | 7,503 |
| Total noninterest income | $479,000 | 5,068 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $364,000 | 3,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,303 |
| Total noninterest expense | $3,144,000 | 3,952 |
| Salaries and employee benefits | $1,637,000 | 3,965 |
| Premises and equipment expense | $457,000 | 3,959 |
| Additional noninterest expense | $1,050,000 | 3,784 |
| Pre-tax net operating income | $916,000 | 5,683 |
| Securities gains (losses) | $247,000 | 815 |
| Applicable income taxes | $386,000 | 4,520 |
| Income before extraordinary items | $777,000 | 5,275 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $777,000 | 5,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 9,907 |
| Cash dividends | $313,000 | 4,468 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $611,510 | 5,891 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,852,000 | 4,578 |
| Total interest expense | $3,240,000 | 4,409 |
| Net interest income | $3,612,000 | 4,621 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $491,000 | 5,051 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,361 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,492 |
| Total noninterest expense | $2,667,000 | 4,527 |
| Salaries and employee benefits | $1,564,000 | 4,097 |
| Premises and equipment expense | $341,000 | 4,999 |
| Additional noninterest expense | $762,000 | 4,907 |
| Pre-tax net operating income | $1,376,000 | 4,774 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $479,000 | 4,340 |
| Income before extraordinary items | $897,000 | 5,067 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $897,000 | 5,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $313,000 | 4,459 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $897,000 | 5,010 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,631,000 | 4,789 |
| Total interest expense | $3,103,000 | 4,639 |
| Net interest income | $3,528,000 | 4,798 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $474,000 | 5,341 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $371,000 | 3,568 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,023 |
| Total noninterest expense | $2,611,000 | 4,832 |
| Salaries and employee benefits | $1,525,000 | 4,248 |
| Premises and equipment expense | $356,000 | 4,970 |
| Additional noninterest expense | $730,000 | 5,571 |
| Pre-tax net operating income | $1,271,000 | 4,916 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $448,000 | 4,517 |
| Income before extraordinary items | $823,000 | 5,206 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $823,000 | 5,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,393 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $823,000 | 5,140 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,127,000 | 5,113 |
| Total interest expense | $2,766,000 | 5,109 |
| Net interest income | $3,361,000 | 5,031 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $477,000 | 5,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $362,000 | 3,661 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,773 |
| Total noninterest expense | $2,628,000 | 4,783 |
| Salaries and employee benefits | $1,502,000 | 4,274 |
| Premises and equipment expense | $331,000 | 5,238 |
| Additional noninterest expense | $795,000 | 5,276 |
| Pre-tax net operating income | $1,090,000 | 5,636 |
| Securities gains (losses) | $23,000 | 1,804 |
| Applicable income taxes | $386,000 | 5,069 |
| Income before extraordinary items | $727,000 | 5,832 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $727,000 | 5,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,757 |
| Cash dividends | $275,000 | 4,749 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $712,050 | 5,895 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,114,000 | 5,576 |
| Total interest expense | $2,045,000 | 5,510 |
| Net interest income | $3,069,000 | 5,527 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $515,000 | 5,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $440,000 | 3,111 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,448 |
| Total noninterest expense | $2,702,000 | 4,828 |
| Salaries and employee benefits | $1,534,000 | 4,210 |
| Premises and equipment expense | $328,000 | 5,336 |
| Additional noninterest expense | $840,000 | 5,476 |
| Pre-tax net operating income | $832,000 | 6,714 |
| Securities gains (losses) | $13,000 | 2,050 |
| Applicable income taxes | $264,000 | 6,339 |
| Income before extraordinary items | $581,000 | 6,686 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $581,000 | 6,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,796 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $572,030 | 6,801 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,113,000 | 5,663 |
| Total interest expense | $2,083,000 | 5,647 |
| Net interest income | $3,030,000 | 5,618 |
| Provision for loan and lease losses | $195,000 | 3,979 |
| Total noninterest income | $478,000 | 5,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $384,000 | 3,579 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 8,081 |
| Total noninterest expense | $2,751,000 | 4,841 |
| Salaries and employee benefits | $1,561,000 | 4,129 |
| Premises and equipment expense | $334,000 | 5,406 |
| Additional noninterest expense | $856,000 | 5,594 |
| Pre-tax net operating income | $562,000 | 8,212 |
| Securities gains (losses) | $313,000 | 1,260 |
| Applicable income taxes | $235,000 | 7,015 |
| Income before extraordinary items | $640,000 | 6,494 |
| Extraordinary gains, net | $58,000 | 2,059 |
| Net income | $698,000 | 6,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 3,289 |
| Cash dividends | $275,000 | 4,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $411,510 | 8,041 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,225,000 | 5,321 |
| Total interest expense | $2,746,000 | 5,557 |
| Net interest income | $3,479,000 | 5,038 |
| Provision for loan and lease losses | $80,000 | 7,886 |
| Total noninterest income | $456,000 | 6,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $364,000 | 3,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 8,366 |
| Total noninterest expense | $2,797,000 | 4,820 |
| Salaries and employee benefits | $1,516,000 | 4,194 |
| Premises and equipment expense | $373,000 | 5,080 |
| Additional noninterest expense | $908,000 | 5,481 |
| Pre-tax net operating income | $1,058,000 | 5,405 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $242,000 | 6,787 |
| Income before extraordinary items | $829,000 | 5,219 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $829,000 | 5,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 5,100 |
| Cash dividends | $275,000 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $818,990 | 4,970 |
* 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.