Home > The First National Bank of St. Marys > Income and Expense
The First National Bank of St. Marys, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,211,000 | 7,354 |
| Total interest expense | $355,000 | 7,711 |
| Net interest income | $856,000 | 6,944 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $138,000 | 6,271 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $103,000 | 4,880 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $35,000 | 6,783 |
| Total noninterest expense | $812,000 | 6,769 |
| Salaries and employee benefits | $343,000 | 7,327 |
| Premises and equipment expense | $79,000 | 7,185 |
| Additional noninterest expense | $390,000 | 5,378 |
| Pre-tax net operating income | $182,000 | 6,743 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $68,000 | 4,497 |
| Income before extraordinary items | $114,000 | 7,024 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $114,000 | 7,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,810 |
| Cash dividends | $12,000 | 4,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $114,000 | 7,014 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $574,000 | 7,470 |
| Total interest expense | $164,000 | 7,838 |
| Net interest income | $410,000 | 7,046 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $55,000 | 6,682 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $44,000 | 5,130 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $11,000 | 7,311 |
| Total noninterest expense | $420,000 | 6,713 |
| Salaries and employee benefits | $175,000 | 7,323 |
| Premises and equipment expense | $40,000 | 7,184 |
| Additional noninterest expense | $205,000 | 5,190 |
| Pre-tax net operating income | $45,000 | 7,346 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $16,000 | 5,054 |
| Income before extraordinary items | $29,000 | 7,474 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $29,000 | 7,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,847 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $29,000 | 7,458 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,191,000 | 7,391 |
| Total interest expense | $524,000 | 7,878 |
| Net interest income | $1,667,000 | 6,971 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $283,000 | 6,289 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $103,000 | 6,121 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $180,000 | 5,307 |
| Total noninterest expense | $1,558,000 | 6,792 |
| Salaries and employee benefits | $687,000 | 7,322 |
| Premises and equipment expense | $115,000 | 7,637 |
| Additional noninterest expense | $756,000 | 5,404 |
| Pre-tax net operating income | $392,000 | 6,810 |
| Securities gains (losses) | $-18,000 | 7,507 |
| Applicable income taxes | $83,000 | 5,118 |
| Income before extraordinary items | $291,000 | 6,951 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $291,000 | 6,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,414 |
| Cash dividends | $100,000 | 5,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $305,040 | 6,895 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,601,000 | 7,483 |
| Total interest expense | $357,000 | 7,999 |
| Net interest income | $1,244,000 | 7,063 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $159,000 | 6,868 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $76,000 | 6,210 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $83,000 | 6,169 |
| Total noninterest expense | $1,141,000 | 6,860 |
| Salaries and employee benefits | $512,000 | 7,321 |
| Premises and equipment expense | $75,000 | 7,834 |
| Additional noninterest expense | $554,000 | 5,470 |
| Pre-tax net operating income | $262,000 | 7,175 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $99,000 | 4,934 |
| Income before extraordinary items | $163,000 | 7,412 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $163,000 | 7,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 1,937 |
| Cash dividends | $73,000 | 4,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $163,000 | 7,413 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 7,510 |
| Total interest expense | $227,000 | 8,032 |
| Net interest income | $831,000 | 7,111 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $113,000 | 6,768 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $66,000 | 5,810 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $47,000 | 6,470 |
| Total noninterest expense | $735,000 | 6,983 |
| Salaries and employee benefits | $336,000 | 7,391 |
| Premises and equipment expense | $46,000 | 7,929 |
| Additional noninterest expense | $353,000 | 5,583 |
| Pre-tax net operating income | $209,000 | 7,025 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $80,000 | 4,776 |
| Income before extraordinary items | $129,000 | 7,322 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $129,000 | 7,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 1,409 |
| Cash dividends | $62,000 | 4,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $129,000 | 7,326 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $495,000 | 7,624 |
| Total interest expense | $100,000 | 8,129 |
| Net interest income | $395,000 | 7,225 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $32,000 | 7,592 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $27,000 | 6,103 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,055 |
| Total noninterest expense | $351,000 | 7,107 |
| Salaries and employee benefits | $168,000 | 7,398 |
| Premises and equipment expense | $21,000 | 8,027 |
| Additional noninterest expense | $162,000 | 5,824 |
| Pre-tax net operating income | $76,000 | 7,364 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $28,000 | 5,092 |
| Income before extraordinary items | $48,000 | 7,572 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $48,000 | 7,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 778 |
| Cash dividends | $58,000 | 3,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $48,000 | 7,571 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,113,000 | 7,347 |
| Total interest expense | $344,000 | 8,073 |
| Net interest income | $1,769,000 | 6,938 |
| Provision for loan and lease losses | $164,000 | 3,980 |
| Total noninterest income | $184,000 | 7,193 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $167,000 | 5,420 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $17,000 | 8,210 |
| Total noninterest expense | $1,573,000 | 6,764 |
| Salaries and employee benefits | $724,000 | 7,178 |
| Premises and equipment expense | $144,000 | 7,345 |
| Additional noninterest expense | $705,000 | 5,569 |
| Pre-tax net operating income | $216,000 | 7,654 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $49,000 | 5,876 |
| Income before extraordinary items | $167,000 | 7,726 |
| Extraordinary gains, net | $-57,000 | 8,811 |
| Net income | $110,000 | 7,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $463,000 | 1,235 |
| Cash dividends | $15,000 | 5,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $167,000 | 7,691 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,529,000 | 7,428 |
| Total interest expense | $248,000 | 8,110 |
| Net interest income | $1,281,000 | 7,052 |
| Provision for loan and lease losses | $164,000 | 3,350 |
| Total noninterest income | $143,000 | 7,156 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $129,000 | 5,380 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $14,000 | 8,207 |
| Total noninterest expense | $1,156,000 | 6,819 |
| Salaries and employee benefits | $546,000 | 7,150 |
| Premises and equipment expense | $100,000 | 7,471 |
| Additional noninterest expense | $510,000 | 5,636 |
| Pre-tax net operating income | $104,000 | 8,002 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $14,000 | 6,425 |
| Income before extraordinary items | $90,000 | 8,017 |
| Extraordinary gains, net | $-57,000 | 8,847 |
| Net income | $33,000 | 8,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $423,000 | 951 |
| Cash dividends | $11,000 | 5,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $90,000 | 7,981 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,023,000 | 7,404 |
| Total interest expense | $160,000 | 8,115 |
| Net interest income | $863,000 | 7,026 |
| Provision for loan and lease losses | $9,000 | 6,195 |
| Total noninterest income | $98,000 | 7,094 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $86,000 | 5,345 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $12,000 | 8,048 |
| Total noninterest expense | $789,000 | 6,765 |
| Salaries and employee benefits | $365,000 | 7,158 |
| Premises and equipment expense | $70,000 | 7,407 |
| Additional noninterest expense | $354,000 | 5,485 |
| Pre-tax net operating income | $163,000 | 7,454 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $53,000 | 5,468 |
| Income before extraordinary items | $110,000 | 7,672 |
| Extraordinary gains, net | $-27,000 | 8,860 |
| Net income | $83,000 | 7,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 1,066 |
| Cash dividends | $7,000 | 5,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $110,000 | 7,624 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $501,000 | 7,486 |
| Total interest expense | $70,000 | 8,259 |
| Net interest income | $431,000 | 7,084 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $50,000 | 7,067 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $41,000 | 5,405 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,829 |
| Total noninterest expense | $391,000 | 6,833 |
| Salaries and employee benefits | $179,000 | 7,256 |
| Premises and equipment expense | $32,000 | 7,605 |
| Additional noninterest expense | $180,000 | 5,414 |
| Pre-tax net operating income | $90,000 | 7,371 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $29,000 | 5,339 |
| Income before extraordinary items | $61,000 | 7,571 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $61,000 | 7,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,365 |
| Cash dividends | $4,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $61,000 | 7,542 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,093,000 | 7,286 |
| Total interest expense | $308,000 | 8,055 |
| Net interest income | $1,785,000 | 6,914 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $173,000 | 7,403 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $152,000 | 5,752 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $21,000 | 8,187 |
| Total noninterest expense | $2,233,000 | 5,648 |
| Salaries and employee benefits | $1,311,000 | 5,407 |
| Premises and equipment expense | $147,000 | 7,359 |
| Additional noninterest expense | $775,000 | 5,201 |
| Pre-tax net operating income | $-275,000 | 8,568 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-57,000 | 8,683 |
| Income before extraordinary items | $-218,000 | 8,594 |
| Extraordinary gains, net | $50,000 | 18 |
| Net income | $-168,000 | 8,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,475 |
| Cash dividends | $27,000 | 6,000 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-218,000 | 8,558 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,571,000 | 7,304 |
| Total interest expense | $240,000 | 8,035 |
| Net interest income | $1,331,000 | 6,946 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $130,000 | 7,442 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $113,000 | 5,820 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 8,169 |
| Total noninterest expense | $1,278,000 | 6,495 |
| Salaries and employee benefits | $566,000 | 7,058 |
| Premises and equipment expense | $110,000 | 7,337 |
| Additional noninterest expense | $602,000 | 5,035 |
| Pre-tax net operating income | $183,000 | 7,769 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $70,000 | 5,707 |
| Income before extraordinary items | $113,000 | 8,002 |
| Extraordinary gains, net | $50,000 | 11 |
| Net income | $163,000 | 7,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,550 |
| Cash dividends | $24,000 | 5,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $113,000 | 7,949 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,061,000 | 7,312 |
| Total interest expense | $171,000 | 8,006 |
| Net interest income | $890,000 | 6,974 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $88,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $77,000 | 5,788 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $11,000 | 8,227 |
| Total noninterest expense | $865,000 | 6,489 |
| Salaries and employee benefits | $377,000 | 7,097 |
| Premises and equipment expense | $76,000 | 7,324 |
| Additional noninterest expense | $412,000 | 4,962 |
| Pre-tax net operating income | $113,000 | 7,816 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $53,000 | 5,582 |
| Income before extraordinary items | $60,000 | 8,149 |
| Extraordinary gains, net | $57,000 | 8 |
| Net income | $117,000 | 7,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,320 |
| Cash dividends | $3,000 | 5,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $60,000 | 8,098 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $550,000 | 7,293 |
| Total interest expense | $91,000 | 7,987 |
| Net interest income | $459,000 | 6,920 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $52,000 | 7,147 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $41,000 | 5,626 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $11,000 | 7,645 |
| Total noninterest expense | $412,000 | 6,677 |
| Salaries and employee benefits | $186,000 | 7,176 |
| Premises and equipment expense | $35,000 | 7,507 |
| Additional noninterest expense | $191,000 | 5,234 |
| Pre-tax net operating income | $99,000 | 7,169 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $44,000 | 5,008 |
| Income before extraordinary items | $55,000 | 7,679 |
| Extraordinary gains, net | $55,000 | 7 |
| Net income | $110,000 | 6,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,369 |
| Cash dividends | $3,000 | 3,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $55,000 | 7,605 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,267,000 | 7,294 |
| Total interest expense | $525,000 | 7,658 |
| Net interest income | $1,742,000 | 7,003 |
| Provision for loan and lease losses | $89,000 | 5,527 |
| Total noninterest income | $174,000 | 7,575 |
| Gross Fiduciary activities income | $1,000 | 1,575 |
| Service charges on deposit accounts | $149,000 | 5,872 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $24,000 | 8,305 |
| Total noninterest expense | $1,684,000 | 6,556 |
| Salaries and employee benefits | $794,000 | 6,932 |
| Premises and equipment expense | $115,000 | 7,867 |
| Additional noninterest expense | $775,000 | 5,164 |
| Pre-tax net operating income | $143,000 | 8,037 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $80,000 | 5,934 |
| Income before extraordinary items | $63,000 | 8,412 |
| Extraordinary gains, net | $32,000 | 33 |
| Net income | $95,000 | 8,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,588 |
| Cash dividends | $14,000 | 6,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $63,000 | 8,309 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,655,000 | 7,440 |
| Total interest expense | $425,000 | 7,663 |
| Net interest income | $1,230,000 | 7,192 |
| Provision for loan and lease losses | $67,000 | 5,386 |
| Total noninterest income | $123,000 | 7,732 |
| Gross Fiduciary activities income | $1,000 | 1,533 |
| Service charges on deposit accounts | $102,000 | 6,087 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $20,000 | 8,256 |
| Total noninterest expense | $1,186,000 | 6,730 |
| Salaries and employee benefits | $546,000 | 7,146 |
| Premises and equipment expense | $106,000 | 7,527 |
| Additional noninterest expense | $534,000 | 5,423 |
| Pre-tax net operating income | $100,000 | 8,227 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $17,000 | 6,871 |
| Income before extraordinary items | $83,000 | 8,328 |
| Extraordinary gains, net | $32,000 | 22 |
| Net income | $115,000 | 8,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,128 |
| Cash dividends | $7,000 | 5,465 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $83,000 | 8,208 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,107,000 | 7,479 |
| Total interest expense | $312,000 | 7,575 |
| Net interest income | $795,000 | 7,295 |
| Provision for loan and lease losses | $44,000 | 5,358 |
| Total noninterest income | $79,000 | 7,791 |
| Gross Fiduciary activities income | $1,000 | 1,488 |
| Service charges on deposit accounts | $63,000 | 6,212 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $15,000 | 8,141 |
| Total noninterest expense | $817,000 | 6,643 |
| Salaries and employee benefits | $369,000 | 7,149 |
| Premises and equipment expense | $83,000 | 7,215 |
| Additional noninterest expense | $365,000 | 5,327 |
| Pre-tax net operating income | $13,000 | 8,590 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $11,000 | 6,920 |
| Income before extraordinary items | $2,000 | 8,749 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,000 | 8,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,495 |
| Cash dividends | $4,000 | 5,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,000 | 8,638 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $587,000 | 7,379 |
| Total interest expense | $168,000 | 7,510 |
| Net interest income | $419,000 | 7,165 |
| Provision for loan and lease losses | $23,000 | 5,064 |
| Total noninterest income | $38,000 | 7,830 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $32,000 | 6,144 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $400,000 | 6,715 |
| Salaries and employee benefits | $181,000 | 7,222 |
| Premises and equipment expense | $42,000 | 7,220 |
| Additional noninterest expense | $177,000 | 5,409 |
| Pre-tax net operating income | $34,000 | 8,247 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $5,000 | 6,893 |
| Income before extraordinary items | $29,000 | 8,299 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $29,000 | 8,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $4,000 | 3,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $29,000 | 8,169 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,615,000 | 7,241 |
| Total interest expense | $860,000 | 7,324 |
| Net interest income | $1,755,000 | 7,027 |
| Provision for loan and lease losses | $96,000 | 5,792 |
| Total noninterest income | $223,000 | 7,087 |
| Gross Fiduciary activities income | $2,000 | 1,605 |
| Service charges on deposit accounts | $129,000 | 6,134 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $92,000 | 6,607 |
| Total noninterest expense | $1,760,000 | 6,335 |
| Salaries and employee benefits | $748,000 | 7,086 |
| Premises and equipment expense | $92,000 | 8,283 |
| Additional noninterest expense | $920,000 | 4,463 |
| Pre-tax net operating income | $122,000 | 8,236 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $50,000 | 6,530 |
| Income before extraordinary items | $72,000 | 8,457 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $72,000 | 8,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 3,229 |
| Cash dividends | $15,000 | 6,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $72,000 | 8,367 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,231,000 | 7,000 |
| Total interest expense | $1,335,000 | 7,331 |
| Net interest income | $1,896,000 | 6,605 |
| Provision for loan and lease losses | $201,000 | 4,110 |
| Total noninterest income | $110,000 | 8,362 |
| Gross Fiduciary activities income | $1,000 | 1,678 |
| Service charges on deposit accounts | $135,000 | 6,013 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $-26,000 | 9,589 |
| Total noninterest expense | $1,773,000 | 6,192 |
| Salaries and employee benefits | $821,000 | 6,692 |
| Premises and equipment expense | $193,000 | 6,884 |
| Additional noninterest expense | $759,000 | 4,974 |
| Pre-tax net operating income | $32,000 | 8,605 |
| Securities gains (losses) | $36,000 | 2,670 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $68,000 | 8,515 |
| Extraordinary gains, net | $-197,000 | 9,542 |
| Net income | $-129,000 | 8,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,817 |
| Cash dividends | $14,000 | 6,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $32,000 | 8,597 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,387,000 | 7,020 |
| Total interest expense | $1,271,000 | 7,645 |
| Net interest income | $2,116,000 | 6,398 |
| Provision for loan and lease losses | $622,000 | 1,558 |
| Total noninterest income | $172,000 | 7,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 5,824 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 8,716 |
| Total noninterest expense | $1,670,000 | 6,323 |
| Salaries and employee benefits | $727,000 | 7,070 |
| Premises and equipment expense | $200,000 | 6,773 |
| Additional noninterest expense | $743,000 | 4,972 |
| Pre-tax net operating income | $-4,000 | 9,141 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-7,000 | 9,308 |
| Income before extraordinary items | $3,000 | 9,140 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,000 | 9,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 1,911 |
| Cash dividends | $65,000 | 6,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,000 | 9,124 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,192,000 | 7,167 |
| Total interest expense | $1,148,000 | 7,782 |
| Net interest income | $2,044,000 | 6,563 |
| Provision for loan and lease losses | $119,000 | 4,899 |
| Total noninterest income | $171,000 | 7,830 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 5,799 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,339 |
| Total noninterest expense | $1,570,000 | 6,596 |
| Salaries and employee benefits | $674,000 | 7,376 |
| Premises and equipment expense | $206,000 | 6,718 |
| Additional noninterest expense | $690,000 | 5,286 |
| Pre-tax net operating income | $526,000 | 7,024 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $169,000 | 6,053 |
| Income before extraordinary items | $357,000 | 7,245 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $357,000 | 7,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $335,000 | 4,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $357,000 | 7,214 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,265,000 | 7,214 |
| Total interest expense | $1,217,000 | 7,865 |
| Net interest income | $2,048,000 | 6,583 |
| Provision for loan and lease losses | $25,000 | 7,503 |
| Total noninterest income | $177,000 | 7,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 6,032 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,867 |
| Total noninterest expense | $1,506,000 | 6,674 |
| Salaries and employee benefits | $643,000 | 7,512 |
| Premises and equipment expense | $184,000 | 6,975 |
| Additional noninterest expense | $679,000 | 5,281 |
| Pre-tax net operating income | $694,000 | 6,506 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $220,000 | 5,952 |
| Income before extraordinary items | $474,000 | 6,762 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $474,000 | 6,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,157 |
| Cash dividends | $425,000 | 3,866 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $474,000 | 6,657 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,224,000 | 7,476 |
| Total interest expense | $1,171,000 | 8,198 |
| Net interest income | $2,053,000 | 6,808 |
| Provision for loan and lease losses | $55,000 | 6,469 |
| Total noninterest income | $174,000 | 8,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $1,459,000 | 6,896 |
| Salaries and employee benefits | $656,000 | 7,569 |
| Premises and equipment expense | $173,000 | 7,328 |
| Additional noninterest expense | $630,000 | 5,623 |
| Pre-tax net operating income | $713,000 | 6,925 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $236,000 | 6,417 |
| Income before extraordinary items | $477,000 | 7,120 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $477,000 | 7,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,752 |
| Cash dividends | $995,000 | 2,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $477,000 | 7,069 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,152,000 | 7,813 |
| Total interest expense | $1,147,000 | 8,535 |
| Net interest income | $2,005,000 | 7,130 |
| Provision for loan and lease losses | $38,000 | 7,073 |
| Total noninterest income | $151,000 | 8,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 10,117 |
| Total noninterest expense | $1,403,000 | 7,386 |
| Salaries and employee benefits | $628,000 | 7,959 |
| Premises and equipment expense | $175,000 | 7,528 |
| Additional noninterest expense | $600,000 | 6,357 |
| Pre-tax net operating income | $715,000 | 6,865 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $231,000 | 6,694 |
| Income before extraordinary items | $484,000 | 7,016 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $484,000 | 7,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $220,000 | 5,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $484,000 | 6,949 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,131,000 | 8,033 |
| Total interest expense | $1,140,000 | 8,784 |
| Net interest income | $1,991,000 | 7,339 |
| Provision for loan and lease losses | $110,000 | 4,388 |
| Total noninterest income | $149,000 | 9,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,291 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,398 |
| Total noninterest expense | $1,363,000 | 7,703 |
| Salaries and employee benefits | $606,000 | 8,321 |
| Premises and equipment expense | $173,000 | 7,747 |
| Additional noninterest expense | $584,000 | 6,633 |
| Pre-tax net operating income | $667,000 | 7,493 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $163,000 | 8,046 |
| Income before extraordinary items | $501,000 | 7,247 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $501,000 | 7,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,371 |
| Cash dividends | $210,000 | 5,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $503,250 | 7,202 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,886,000 | 8,256 |
| Total interest expense | $989,000 | 8,739 |
| Net interest income | $1,897,000 | 7,813 |
| Provision for loan and lease losses | $32,000 | 7,014 |
| Total noninterest income | $127,000 | 10,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 8,062 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,043 |
| Total noninterest expense | $1,371,000 | 8,001 |
| Salaries and employee benefits | $587,000 | 8,708 |
| Premises and equipment expense | $172,000 | 8,034 |
| Additional noninterest expense | $612,000 | 6,947 |
| Pre-tax net operating income | $621,000 | 7,885 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $179,000 | 7,729 |
| Income before extraordinary items | $442,000 | 7,787 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $442,000 | 7,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,750 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $442,000 | 7,836 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,834,000 | 8,605 |
| Total interest expense | $1,016,000 | 9,028 |
| Net interest income | $1,818,000 | 8,195 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $131,000 | 10,604 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 8,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $1,292,000 | 8,540 |
| Salaries and employee benefits | $531,000 | 9,371 |
| Premises and equipment expense | $161,000 | 8,616 |
| Additional noninterest expense | $600,000 | 7,333 |
| Pre-tax net operating income | $627,000 | 7,764 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $162,000 | 8,381 |
| Income before extraordinary items | $465,000 | 7,837 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $465,000 | 8,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 6,409 |
| Cash dividends | $152,000 | 6,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $465,000 | 7,584 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,212,000 | 8,617 |
| Total interest expense | $1,326,000 | 9,138 |
| Net interest income | $1,886,000 | 8,090 |
| Provision for loan and lease losses | $128,000 | 6,547 |
| Total noninterest income | $146,000 | 10,574 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 8,278 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $1,342,000 | 8,512 |
| Salaries and employee benefits | $505,000 | 9,737 |
| Premises and equipment expense | $154,000 | 8,989 |
| Additional noninterest expense | $683,000 | 6,863 |
| Pre-tax net operating income | $562,000 | 7,978 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $160,000 | 8,377 |
| Income before extraordinary items | $402,000 | 8,198 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $402,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 4,326 |
| Cash dividends | $120,000 | 6,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $402,000 | 7,838 |
* 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.