Home > The First State Bank > Income and Expense
The First State Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,020,000 | 5,054 |
| Total interest expense | $1,403,000 | 4,698 |
| Net interest income | $1,617,000 | 5,254 |
| Provision for loan and lease losses | $20,000 | 5,946 |
| Total noninterest income | $475,000 | 3,625 |
| Gross Fiduciary activities income | $19,000 | 1,020 |
| Service charges on deposit accounts | $160,000 | 3,937 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $296,000 | 3,040 |
| Total noninterest expense | $1,415,000 | 5,306 |
| Salaries and employee benefits | $841,000 | 5,065 |
| Premises and equipment expense | $207,000 | 5,044 |
| Additional noninterest expense | $367,000 | 5,661 |
| Pre-tax net operating income | $657,000 | 3,822 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $140,000 | 3,106 |
| Income before extraordinary items | $517,000 | 3,954 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $517,000 | 3,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,615 |
| Cash dividends | $500,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $517,000 | 3,895 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,502,000 | 5,165 |
| Total interest expense | $736,000 | 4,747 |
| Net interest income | $766,000 | 5,423 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $218,000 | 3,817 |
| Gross Fiduciary activities income | $6,000 | 1,090 |
| Service charges on deposit accounts | $73,000 | 4,064 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $139,000 | 3,174 |
| Total noninterest expense | $690,000 | 5,407 |
| Salaries and employee benefits | $410,000 | 5,159 |
| Premises and equipment expense | $105,000 | 5,030 |
| Additional noninterest expense | $175,000 | 5,750 |
| Pre-tax net operating income | $294,000 | 4,199 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $56,000 | 3,451 |
| Income before extraordinary items | $238,000 | 4,302 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $238,000 | 4,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $238,000 | 4,201 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,066,000 | 5,195 |
| Total interest expense | $3,294,000 | 4,511 |
| Net interest income | $2,772,000 | 5,697 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,133,000 | 3,261 |
| Gross Fiduciary activities income | $81,000 | 945 |
| Service charges on deposit accounts | $308,000 | 4,024 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $744,000 | 2,662 |
| Total noninterest expense | $2,764,000 | 5,276 |
| Salaries and employee benefits | $1,654,000 | 4,999 |
| Premises and equipment expense | $401,000 | 5,019 |
| Additional noninterest expense | $709,000 | 5,696 |
| Pre-tax net operating income | $1,141,000 | 4,463 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $222,000 | 3,741 |
| Income before extraordinary items | $919,000 | 4,500 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $919,000 | 4,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,587 |
| Cash dividends | $850,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $919,000 | 4,491 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,553,000 | 5,206 |
| Total interest expense | $2,483,000 | 4,505 |
| Net interest income | $2,070,000 | 5,744 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $854,000 | 3,251 |
| Gross Fiduciary activities income | $46,000 | 981 |
| Service charges on deposit accounts | $228,000 | 4,062 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $580,000 | 2,614 |
| Total noninterest expense | $2,050,000 | 5,283 |
| Salaries and employee benefits | $1,225,000 | 5,030 |
| Premises and equipment expense | $300,000 | 5,020 |
| Additional noninterest expense | $525,000 | 5,675 |
| Pre-tax net operating income | $874,000 | 4,659 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $174,000 | 3,882 |
| Income before extraordinary items | $700,000 | 4,663 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $700,000 | 4,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,258 |
| Cash dividends | $850,000 | 2,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $700,000 | 4,651 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,032,000 | 5,223 |
| Total interest expense | $1,638,000 | 4,518 |
| Net interest income | $1,394,000 | 5,756 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $593,000 | 3,176 |
| Gross Fiduciary activities income | $29,000 | 1,003 |
| Service charges on deposit accounts | $143,000 | 4,181 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $421,000 | 2,500 |
| Total noninterest expense | $1,378,000 | 5,290 |
| Salaries and employee benefits | $821,000 | 5,051 |
| Premises and equipment expense | $197,000 | 5,085 |
| Additional noninterest expense | $360,000 | 5,604 |
| Pre-tax net operating income | $609,000 | 4,625 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $125,000 | 3,872 |
| Income before extraordinary items | $484,000 | 4,621 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $484,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,285 |
| Cash dividends | $400,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $484,000 | 4,614 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,492,000 | 5,274 |
| Total interest expense | $809,000 | 4,542 |
| Net interest income | $683,000 | 5,825 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $314,000 | 3,025 |
| Gross Fiduciary activities income | $17,000 | 991 |
| Service charges on deposit accounts | $71,000 | 4,138 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $226,000 | 2,368 |
| Total noninterest expense | $680,000 | 5,347 |
| Salaries and employee benefits | $402,000 | 5,149 |
| Premises and equipment expense | $98,000 | 5,113 |
| Additional noninterest expense | $180,000 | 5,587 |
| Pre-tax net operating income | $317,000 | 4,530 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $65,000 | 3,816 |
| Income before extraordinary items | $252,000 | 4,534 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $252,000 | 4,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,166 |
| Cash dividends | $400,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $252,000 | 4,522 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,610,000 | 5,219 |
| Total interest expense | $2,868,000 | 4,432 |
| Net interest income | $2,742,000 | 5,779 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $949,000 | 3,676 |
| Gross Fiduciary activities income | $50,000 | 1,027 |
| Service charges on deposit accounts | $318,000 | 4,007 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $581,000 | 3,078 |
| Total noninterest expense | $2,650,000 | 5,297 |
| Salaries and employee benefits | $1,533,000 | 5,121 |
| Premises and equipment expense | $368,000 | 5,179 |
| Additional noninterest expense | $749,000 | 5,438 |
| Pre-tax net operating income | $1,041,000 | 5,104 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $235,000 | 4,120 |
| Income before extraordinary items | $806,000 | 5,191 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $806,000 | 5,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,270 |
| Cash dividends | $1,000,000 | 2,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $806,000 | 5,189 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,158,000 | 5,243 |
| Total interest expense | $2,078,000 | 4,442 |
| Net interest income | $2,080,000 | 5,803 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $703,000 | 3,704 |
| Gross Fiduciary activities income | $31,000 | 1,047 |
| Service charges on deposit accounts | $241,000 | 4,001 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $431,000 | 3,090 |
| Total noninterest expense | $1,986,000 | 5,289 |
| Salaries and employee benefits | $1,160,000 | 5,078 |
| Premises and equipment expense | $279,000 | 5,169 |
| Additional noninterest expense | $547,000 | 5,512 |
| Pre-tax net operating income | $797,000 | 5,231 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $188,000 | 4,207 |
| Income before extraordinary items | $609,000 | 5,325 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $609,000 | 5,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,625 |
| Cash dividends | $1,000,000 | 1,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $609,000 | 5,319 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,726,000 | 5,266 |
| Total interest expense | $1,330,000 | 4,418 |
| Net interest income | $1,396,000 | 5,807 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $471,000 | 3,658 |
| Gross Fiduciary activities income | $25,000 | 1,037 |
| Service charges on deposit accounts | $153,000 | 4,098 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $293,000 | 3,071 |
| Total noninterest expense | $1,315,000 | 5,318 |
| Salaries and employee benefits | $775,000 | 5,088 |
| Premises and equipment expense | $185,000 | 5,180 |
| Additional noninterest expense | $355,000 | 5,569 |
| Pre-tax net operating income | $552,000 | 5,194 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $133,000 | 4,169 |
| Income before extraordinary items | $419,000 | 5,275 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $419,000 | 5,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $625,000 | 2,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $419,000 | 5,274 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,326,000 | 5,298 |
| Total interest expense | $618,000 | 4,500 |
| Net interest income | $708,000 | 5,771 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $205,000 | 3,931 |
| Gross Fiduciary activities income | $7,000 | 1,113 |
| Service charges on deposit accounts | $72,000 | 4,162 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $126,000 | 3,292 |
| Total noninterest expense | $649,000 | 5,366 |
| Salaries and employee benefits | $393,000 | 5,071 |
| Premises and equipment expense | $71,000 | 5,930 |
| Additional noninterest expense | $185,000 | 5,419 |
| Pre-tax net operating income | $264,000 | 5,254 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $62,000 | 4,220 |
| Income before extraordinary items | $202,000 | 5,334 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $202,000 | 5,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $625,000 | 1,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $202,000 | 5,335 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,870,000 | 5,241 |
| Total interest expense | $1,900,000 | 4,581 |
| Net interest income | $2,970,000 | 5,545 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $914,000 | 3,766 |
| Gross Fiduciary activities income | $18,000 | 1,196 |
| Service charges on deposit accounts | $295,000 | 4,221 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $601,000 | 3,053 |
| Total noninterest expense | $2,441,000 | 5,446 |
| Salaries and employee benefits | $1,384,000 | 5,333 |
| Premises and equipment expense | $362,000 | 5,177 |
| Additional noninterest expense | $695,000 | 5,608 |
| Pre-tax net operating income | $1,443,000 | 4,476 |
| Securities gains (losses) | $15,000 | 1,350 |
| Applicable income taxes | $408,000 | 3,667 |
| Income before extraordinary items | $1,050,000 | 4,701 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,050,000 | 4,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,766 |
| Cash dividends | $1,800,000 | 1,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,039,200 | 4,697 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,585,000 | 5,281 |
| Total interest expense | $1,345,000 | 4,604 |
| Net interest income | $2,240,000 | 5,537 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $714,000 | 3,690 |
| Gross Fiduciary activities income | $8,000 | 1,254 |
| Service charges on deposit accounts | $223,000 | 4,226 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $483,000 | 2,951 |
| Total noninterest expense | $1,819,000 | 5,452 |
| Salaries and employee benefits | $1,051,000 | 5,260 |
| Premises and equipment expense | $270,000 | 5,180 |
| Additional noninterest expense | $498,000 | 5,711 |
| Pre-tax net operating income | $1,135,000 | 4,460 |
| Securities gains (losses) | $15,000 | 1,338 |
| Applicable income taxes | $325,000 | 3,663 |
| Income before extraordinary items | $825,000 | 4,670 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $825,000 | 4,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,687 |
| Cash dividends | $1,800,000 | 1,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $814,200 | 4,675 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,368,000 | 5,234 |
| Total interest expense | $844,000 | 4,632 |
| Net interest income | $1,524,000 | 5,455 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $512,000 | 3,455 |
| Gross Fiduciary activities income | $4,000 | 1,282 |
| Service charges on deposit accounts | $150,000 | 4,151 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $358,000 | 2,729 |
| Total noninterest expense | $1,196,000 | 5,485 |
| Salaries and employee benefits | $693,000 | 5,273 |
| Premises and equipment expense | $180,000 | 5,173 |
| Additional noninterest expense | $323,000 | 5,780 |
| Pre-tax net operating income | $840,000 | 4,166 |
| Securities gains (losses) | $15,000 | 1,210 |
| Applicable income taxes | $248,000 | 3,426 |
| Income before extraordinary items | $607,000 | 4,387 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $607,000 | 4,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,656 |
| Cash dividends | $1,300,000 | 1,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $596,350 | 4,380 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,163,000 | 5,277 |
| Total interest expense | $395,000 | 4,723 |
| Net interest income | $768,000 | 5,458 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $209,000 | 3,864 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $75,000 | 4,075 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $134,000 | 3,194 |
| Total noninterest expense | $597,000 | 5,529 |
| Salaries and employee benefits | $334,000 | 5,442 |
| Premises and equipment expense | $93,000 | 5,112 |
| Additional noninterest expense | $170,000 | 5,595 |
| Pre-tax net operating income | $380,000 | 4,401 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $106,000 | 3,681 |
| Income before extraordinary items | $274,000 | 4,620 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $274,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $1,300,000 | 525 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $274,000 | 4,577 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,011,000 | 4,840 |
| Total interest expense | $1,654,000 | 4,230 |
| Net interest income | $3,357,000 | 5,048 |
| Provision for loan and lease losses | $45,000 | 6,047 |
| Total noninterest income | $1,153,000 | 3,210 |
| Gross Fiduciary activities income | $41,000 | 1,092 |
| Service charges on deposit accounts | $382,000 | 3,748 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $730,000 | 2,651 |
| Total noninterest expense | $2,556,000 | 5,226 |
| Salaries and employee benefits | $1,359,000 | 5,285 |
| Premises and equipment expense | $309,000 | 5,595 |
| Additional noninterest expense | $888,000 | 4,751 |
| Pre-tax net operating income | $1,909,000 | 3,611 |
| Securities gains (losses) | $55,000 | 1,669 |
| Applicable income taxes | $583,000 | 3,079 |
| Income before extraordinary items | $1,381,000 | 3,833 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,381,000 | 3,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,666 |
| Cash dividends | $3,125,000 | 939 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,342,500 | 3,845 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,805,000 | 4,786 |
| Total interest expense | $1,251,000 | 4,142 |
| Net interest income | $2,554,000 | 4,989 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $932,000 | 3,075 |
| Gross Fiduciary activities income | $32,000 | 1,081 |
| Service charges on deposit accounts | $288,000 | 3,763 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $612,000 | 2,465 |
| Total noninterest expense | $1,952,000 | 5,113 |
| Salaries and employee benefits | $1,018,000 | 5,259 |
| Premises and equipment expense | $238,000 | 5,500 |
| Additional noninterest expense | $696,000 | 4,551 |
| Pre-tax net operating income | $1,489,000 | 3,591 |
| Securities gains (losses) | $55,000 | 1,589 |
| Applicable income taxes | $461,000 | 3,053 |
| Income before extraordinary items | $1,083,000 | 3,814 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,083,000 | 3,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,038 |
| Cash dividends | $3,125,000 | 677 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,044,500 | 3,828 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,552,000 | 4,765 |
| Total interest expense | $838,000 | 4,137 |
| Net interest income | $1,714,000 | 4,956 |
| Provision for loan and lease losses | $45,000 | 4,838 |
| Total noninterest income | $446,000 | 3,838 |
| Gross Fiduciary activities income | $27,000 | 1,052 |
| Service charges on deposit accounts | $190,000 | 3,774 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $229,000 | 3,476 |
| Total noninterest expense | $1,302,000 | 5,136 |
| Salaries and employee benefits | $680,000 | 5,285 |
| Premises and equipment expense | $141,000 | 5,849 |
| Additional noninterest expense | $481,000 | 4,443 |
| Pre-tax net operating income | $813,000 | 4,061 |
| Securities gains (losses) | $37,000 | 1,654 |
| Applicable income taxes | $240,000 | 3,459 |
| Income before extraordinary items | $610,000 | 4,206 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $610,000 | 4,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,579 |
| Cash dividends | $3,125,000 | 484 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $583,360 | 4,235 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,272,000 | 4,802 |
| Total interest expense | $424,000 | 4,152 |
| Net interest income | $848,000 | 4,999 |
| Provision for loan and lease losses | $23,000 | 4,653 |
| Total noninterest income | $231,000 | 3,697 |
| Gross Fiduciary activities income | $24,000 | 970 |
| Service charges on deposit accounts | $93,000 | 3,737 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $114,000 | 3,433 |
| Total noninterest expense | $596,000 | 5,474 |
| Salaries and employee benefits | $337,000 | 5,325 |
| Premises and equipment expense | $72,000 | 5,806 |
| Additional noninterest expense | $187,000 | 5,308 |
| Pre-tax net operating income | $460,000 | 3,735 |
| Securities gains (losses) | $25,000 | 1,594 |
| Applicable income taxes | $98,000 | 3,813 |
| Income before extraordinary items | $387,000 | 3,597 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $387,000 | 3,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $367,000 | 3,617 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,317,000 | 4,689 |
| Total interest expense | $2,177,000 | 3,747 |
| Net interest income | $3,140,000 | 5,158 |
| Provision for loan and lease losses | $110,000 | 5,170 |
| Total noninterest income | $777,000 | 4,308 |
| Gross Fiduciary activities income | $17,000 | 1,277 |
| Service charges on deposit accounts | $359,000 | 3,880 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $401,000 | 3,972 |
| Total noninterest expense | $2,117,000 | 5,796 |
| Salaries and employee benefits | $1,359,000 | 5,188 |
| Premises and equipment expense | $218,000 | 6,561 |
| Additional noninterest expense | $540,000 | 6,308 |
| Pre-tax net operating income | $1,690,000 | 3,804 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $489,000 | 3,410 |
| Income before extraordinary items | $1,201,000 | 4,141 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,201,000 | 4,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $500,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $-1,586,000 | 9,164 |
| Net operating income | $1,201,000 | 3,981 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,006,000 | 4,724 |
| Total interest expense | $1,700,000 | 3,733 |
| Net interest income | $2,306,000 | 5,256 |
| Provision for loan and lease losses | $95,000 | 4,748 |
| Total noninterest income | $623,000 | 4,202 |
| Gross Fiduciary activities income | $10,000 | 1,282 |
| Service charges on deposit accounts | $265,000 | 3,941 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $348,000 | 3,783 |
| Total noninterest expense | $1,546,000 | 5,881 |
| Salaries and employee benefits | $1,019,000 | 5,190 |
| Premises and equipment expense | $152,000 | 6,759 |
| Additional noninterest expense | $375,000 | 6,535 |
| Pre-tax net operating income | $1,288,000 | 3,878 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $377,000 | 3,507 |
| Income before extraordinary items | $911,000 | 4,253 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $911,000 | 4,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,831 |
| Cash dividends | $500,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $-1,586,000 | 9,219 |
| Net operating income | $911,000 | 4,071 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,815,000 | 4,587 |
| Total interest expense | $1,165,000 | 3,761 |
| Net interest income | $1,650,000 | 4,994 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $305,000 | 4,945 |
| Gross Fiduciary activities income | $6,000 | 1,307 |
| Service charges on deposit accounts | $167,000 | 4,050 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $132,000 | 4,817 |
| Total noninterest expense | $1,009,000 | 5,958 |
| Salaries and employee benefits | $690,000 | 5,136 |
| Premises and equipment expense | $99,000 | 6,790 |
| Additional noninterest expense | $220,000 | 6,898 |
| Pre-tax net operating income | $866,000 | 3,853 |
| Securities gains (losses) | $-12,000 | 9,065 |
| Applicable income taxes | $251,000 | 3,548 |
| Income before extraordinary items | $603,000 | 4,279 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $603,000 | 4,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,945 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $-1,586,000 | 9,254 |
| Net operating income | $611,520 | 4,039 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,443,000 | 4,530 |
| Total interest expense | $590,000 | 3,799 |
| Net interest income | $853,000 | 4,863 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $149,000 | 4,901 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $71,000 | 4,347 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $78,000 | 4,393 |
| Total noninterest expense | $538,000 | 5,726 |
| Salaries and employee benefits | $343,000 | 5,165 |
| Premises and equipment expense | $40,000 | 7,320 |
| Additional noninterest expense | $155,000 | 5,809 |
| Pre-tax net operating income | $419,000 | 3,930 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $122,000 | 3,591 |
| Income before extraordinary items | $297,000 | 4,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $297,000 | 4,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,284 |
| Cash dividends | $500,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $297,000 | 4,081 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,244,000 | 4,435 |
| Total interest expense | $2,710,000 | 3,850 |
| Net interest income | $3,534,000 | 4,726 |
| Provision for loan and lease losses | $962,000 | 1,399 |
| Total noninterest income | $672,000 | 4,439 |
| Gross Fiduciary activities income | $25,000 | 1,234 |
| Service charges on deposit accounts | $305,000 | 4,190 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $342,000 | 3,995 |
| Total noninterest expense | $2,179,000 | 5,565 |
| Salaries and employee benefits | $1,315,000 | 5,166 |
| Premises and equipment expense | $166,000 | 7,226 |
| Additional noninterest expense | $698,000 | 5,412 |
| Pre-tax net operating income | $1,065,000 | 5,052 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $263,000 | 4,672 |
| Income before extraordinary items | $802,000 | 5,206 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $802,000 | 5,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,322,000 | 751 |
| Cash dividends | $350,000 | 4,054 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 700 |
| Net operating income | $802,000 | 5,059 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,677,000 | 4,158 |
| Total interest expense | $3,968,000 | 3,815 |
| Net interest income | $3,709,000 | 4,375 |
| Provision for loan and lease losses | $1,142,000 | 1,128 |
| Total noninterest income | $645,000 | 4,398 |
| Gross Fiduciary activities income | $23,000 | 1,282 |
| Service charges on deposit accounts | $343,000 | 3,822 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $279,000 | 4,275 |
| Total noninterest expense | $2,657,000 | 4,756 |
| Salaries and employee benefits | $1,290,000 | 5,060 |
| Premises and equipment expense | $165,000 | 7,288 |
| Additional noninterest expense | $1,202,000 | 3,497 |
| Pre-tax net operating income | $555,000 | 6,341 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $207,000 | 4,962 |
| Income before extraordinary items | $374,000 | 6,718 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $374,000 | 6,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $332,000 | 2,083 |
| Cash dividends | $350,000 | 4,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $357,360 | 6,675 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,019,000 | 4,121 |
| Total interest expense | $4,176,000 | 3,842 |
| Net interest income | $3,843,000 | 4,317 |
| Provision for loan and lease losses | $826,000 | 1,238 |
| Total noninterest income | $557,000 | 4,606 |
| Gross Fiduciary activities income | $22,000 | 1,146 |
| Service charges on deposit accounts | $311,000 | 3,954 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $224,000 | 4,528 |
| Total noninterest expense | $2,436,000 | 4,952 |
| Salaries and employee benefits | $1,275,000 | 4,965 |
| Premises and equipment expense | $186,000 | 6,980 |
| Additional noninterest expense | $975,000 | 4,057 |
| Pre-tax net operating income | $1,138,000 | 4,883 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $449,000 | 3,743 |
| Income before extraordinary items | $689,000 | 5,469 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $689,000 | 5,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,637 |
| Cash dividends | $350,000 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $689,000 | 5,466 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,750,000 | 4,037 |
| Total interest expense | $3,904,000 | 3,657 |
| Net interest income | $3,846,000 | 4,322 |
| Provision for loan and lease losses | $500,000 | 1,756 |
| Total noninterest income | $479,000 | 5,084 |
| Gross Fiduciary activities income | $24,000 | 1,190 |
| Service charges on deposit accounts | $262,000 | 4,399 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $193,000 | 5,023 |
| Total noninterest expense | $2,363,000 | 5,079 |
| Salaries and employee benefits | $1,255,000 | 5,001 |
| Premises and equipment expense | $193,000 | 6,926 |
| Additional noninterest expense | $915,000 | 4,324 |
| Pre-tax net operating income | $1,462,000 | 4,169 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $576,000 | 3,310 |
| Income before extraordinary items | $886,000 | 4,790 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $886,000 | 4,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 1,350 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $886,000 | 4,749 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,143,000 | 5,574 |
| Total interest expense | $2,674,000 | 5,133 |
| Net interest income | $2,469,000 | 5,894 |
| Provision for loan and lease losses | $405,000 | 2,042 |
| Total noninterest income | $329,000 | 6,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 5,701 |
| Total noninterest expense | $1,521,000 | 6,632 |
| Salaries and employee benefits | $814,000 | 6,624 |
| Premises and equipment expense | $116,000 | 8,357 |
| Additional noninterest expense | $591,000 | 5,811 |
| Pre-tax net operating income | $872,000 | 5,831 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $344,000 | 4,806 |
| Income before extraordinary items | $528,000 | 6,439 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $528,000 | 6,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $703,000 | 969 |
| Cash dividends | $232,000 | 5,092 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $528,000 | 6,333 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,149,000 | 4,422 |
| Total interest expense | $3,341,000 | 4,293 |
| Net interest income | $3,808,000 | 4,416 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $487,000 | 5,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,418 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $218,000 | 4,748 |
| Total noninterest expense | $1,857,000 | 5,951 |
| Salaries and employee benefits | $1,174,000 | 5,192 |
| Premises and equipment expense | $220,000 | 6,498 |
| Additional noninterest expense | $463,000 | 6,821 |
| Pre-tax net operating income | $2,318,000 | 3,106 |
| Securities gains (losses) | $-32,000 | 10,538 |
| Applicable income taxes | $732,000 | 3,128 |
| Income before extraordinary items | $1,554,000 | 3,264 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,554,000 | 3,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $184,000 | 5,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,575,760 | 3,148 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,401,000 | 4,929 |
| Total interest expense | $3,063,000 | 4,697 |
| Net interest income | $3,338,000 | 5,029 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $443,000 | 5,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 5,100 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 5,014 |
| Total noninterest expense | $1,753,000 | 6,494 |
| Salaries and employee benefits | $1,072,000 | 5,694 |
| Premises and equipment expense | $185,000 | 7,320 |
| Additional noninterest expense | $496,000 | 7,085 |
| Pre-tax net operating income | $2,028,000 | 3,394 |
| Securities gains (losses) | $-13,000 | 10,409 |
| Applicable income taxes | $653,000 | 3,350 |
| Income before extraordinary items | $1,362,000 | 3,491 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,362,000 | 3,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,437 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,370,840 | 3,418 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,733,000 | 5,409 |
| Total interest expense | $2,801,000 | 5,056 |
| Net interest income | $2,932,000 | 5,601 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $420,000 | 5,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 4,822 |
| Total noninterest expense | $1,618,000 | 6,932 |
| Salaries and employee benefits | $1,000,000 | 6,068 |
| Premises and equipment expense | $155,000 | 8,146 |
| Additional noninterest expense | $463,000 | 7,577 |
| Pre-tax net operating income | $1,734,000 | 3,969 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $556,000 | 3,864 |
| Income before extraordinary items | $1,178,000 | 4,019 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,178,000 | 4,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $127,000 | 6,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,178,000 | 3,997 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,105,000 | 5,587 |
| Total interest expense | $2,145,000 | 5,288 |
| Net interest income | $2,960,000 | 5,660 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $395,000 | 6,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,911 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 5,329 |
| Total noninterest expense | $1,635,000 | 7,184 |
| Salaries and employee benefits | $958,000 | 6,311 |
| Premises and equipment expense | $159,000 | 8,320 |
| Additional noninterest expense | $518,000 | 7,682 |
| Pre-tax net operating income | $1,720,000 | 3,928 |
| Securities gains (losses) | $-22,000 | 10,411 |
| Applicable income taxes | $552,000 | 3,757 |
| Income before extraordinary items | $1,146,000 | 4,031 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,146,000 | 4,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,944 |
| Cash dividends | $126,000 | 6,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,160,740 | 4,024 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,028,000 | 5,759 |
| Total interest expense | $2,144,000 | 5,505 |
| Net interest income | $2,884,000 | 5,833 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $503,000 | 5,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 6,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $319,000 | 4,314 |
| Total noninterest expense | $1,592,000 | 7,528 |
| Salaries and employee benefits | $903,000 | 6,692 |
| Premises and equipment expense | $163,000 | 8,556 |
| Additional noninterest expense | $526,000 | 7,986 |
| Pre-tax net operating income | $1,795,000 | 3,684 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $594,000 | 3,638 |
| Income before extraordinary items | $1,201,000 | 4,021 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,201,000 | 4,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 12,001 |
| Cash dividends | $115,000 | 6,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,201,000 | 3,810 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,159,000 | 6,231 |
| Total interest expense | $2,656,000 | 5,709 |
| Net interest income | $2,503,000 | 6,593 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $443,000 | 6,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $284,000 | 4,582 |
| Total noninterest expense | $1,500,000 | 7,918 |
| Salaries and employee benefits | $855,000 | 6,901 |
| Premises and equipment expense | $134,000 | 9,571 |
| Additional noninterest expense | $511,000 | 8,352 |
| Pre-tax net operating income | $1,446,000 | 4,177 |
| Securities gains (losses) | $54,000 | 3,989 |
| Applicable income taxes | $499,000 | 4,008 |
| Income before extraordinary items | $1,001,000 | 4,502 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,001,000 | 4,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $81,000 | 6,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $964,820 | 4,333 |
* 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.