Home > The First State Bank > Income and Expense
The First State Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,328,000 | 7,577 |
| Total interest expense | $490,000 | 7,524 |
| Net interest income | $838,000 | 7,524 |
| Provision for loan and lease losses | $5,000 | 6,874 |
| Total noninterest income | $35,000 | 7,892 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $68,000 | 6,072 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-33,000 | 8,233 |
| Total noninterest expense | $721,000 | 7,629 |
| Salaries and employee benefits | $346,000 | 7,785 |
| Premises and equipment expense | $129,000 | 6,980 |
| Additional noninterest expense | $246,000 | 7,343 |
| Pre-tax net operating income | $147,000 | 6,231 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $147,000 | 5,953 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $147,000 | 5,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,479 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $147,000 | 6,122 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $911,000 | 7,615 |
| Total interest expense | $347,000 | 7,563 |
| Net interest income | $564,000 | 7,540 |
| Provision for loan and lease losses | $5,000 | 6,509 |
| Total noninterest income | $5,000 | 8,216 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $48,000 | 6,011 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-43,000 | 8,363 |
| Total noninterest expense | $488,000 | 7,663 |
| Salaries and employee benefits | $237,000 | 7,818 |
| Premises and equipment expense | $84,000 | 7,047 |
| Additional noninterest expense | $167,000 | 7,350 |
| Pre-tax net operating income | $76,000 | 6,530 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $76,000 | 6,517 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $76,000 | 6,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,916 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $76,000 | 6,451 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $470,000 | 7,648 |
| Total interest expense | $188,000 | 7,576 |
| Net interest income | $282,000 | 7,589 |
| Provision for loan and lease losses | $5,000 | 5,755 |
| Total noninterest income | $-21,000 | 8,433 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $24,000 | 5,995 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-45,000 | 8,441 |
| Total noninterest expense | $242,000 | 7,701 |
| Salaries and employee benefits | $122,000 | 7,829 |
| Premises and equipment expense | $41,000 | 7,126 |
| Additional noninterest expense | $79,000 | 7,440 |
| Pre-tax net operating income | $14,000 | 7,019 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $14,000 | 7,092 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $14,000 | 7,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,778 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $14,000 | 7,008 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,061,000 | 7,516 |
| Total interest expense | $803,000 | 7,497 |
| Net interest income | $1,258,000 | 7,432 |
| Provision for loan and lease losses | $115,000 | 4,733 |
| Total noninterest income | $-43,000 | 8,498 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $134,000 | 5,605 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-177,000 | 8,509 |
| Total noninterest expense | $1,234,000 | 7,313 |
| Salaries and employee benefits | $556,000 | 7,652 |
| Premises and equipment expense | $171,000 | 7,026 |
| Additional noninterest expense | $507,000 | 6,539 |
| Pre-tax net operating income | $-134,000 | 7,593 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-134,000 | 7,655 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-134,000 | 7,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,997 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-134,000 | 7,637 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,558,000 | 7,539 |
| Total interest expense | $599,000 | 7,548 |
| Net interest income | $959,000 | 7,460 |
| Provision for loan and lease losses | $115,000 | 3,913 |
| Total noninterest income | $-12,000 | 8,526 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $102,000 | 5,600 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-114,000 | 8,541 |
| Total noninterest expense | $944,000 | 7,247 |
| Salaries and employee benefits | $411,000 | 7,650 |
| Premises and equipment expense | $128,000 | 7,008 |
| Additional noninterest expense | $405,000 | 6,367 |
| Pre-tax net operating income | $-112,000 | 7,819 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-112,000 | 7,861 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-112,000 | 7,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,505 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-112,000 | 7,846 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,063,000 | 7,549 |
| Total interest expense | $402,000 | 7,553 |
| Net interest income | $661,000 | 7,466 |
| Provision for loan and lease losses | $108,000 | 3,179 |
| Total noninterest income | $-9,000 | 8,583 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $73,000 | 5,514 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $-82,000 | 8,601 |
| Total noninterest expense | $652,000 | 7,231 |
| Salaries and employee benefits | $275,000 | 7,698 |
| Premises and equipment expense | $86,000 | 7,023 |
| Additional noninterest expense | $291,000 | 6,208 |
| Pre-tax net operating income | $-108,000 | 7,990 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-108,000 | 8,013 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-108,000 | 8,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 1,509 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-108,000 | 8,007 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $550,000 | 7,533 |
| Total interest expense | $206,000 | 7,538 |
| Net interest income | $344,000 | 7,422 |
| Provision for loan and lease losses | $95,000 | 2,102 |
| Total noninterest income | $-40,000 | 8,625 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $39,000 | 5,359 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $-79,000 | 8,638 |
| Total noninterest expense | $309,000 | 7,368 |
| Salaries and employee benefits | $134,000 | 7,785 |
| Premises and equipment expense | $41,000 | 7,142 |
| Additional noninterest expense | $134,000 | 6,421 |
| Pre-tax net operating income | $-100,000 | 8,150 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-100,000 | 8,179 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-100,000 | 8,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,280 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-100,000 | 8,167 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,329,000 | 7,281 |
| Total interest expense | $864,000 | 7,196 |
| Net interest income | $1,465,000 | 7,219 |
| Provision for loan and lease losses | $953,000 | 1,081 |
| Total noninterest income | $124,000 | 7,531 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $170,000 | 5,301 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-46,000 | 8,658 |
| Total noninterest expense | $1,209,000 | 7,369 |
| Salaries and employee benefits | $553,000 | 7,728 |
| Premises and equipment expense | $174,000 | 6,983 |
| Additional noninterest expense | $482,000 | 6,623 |
| Pre-tax net operating income | $-573,000 | 8,292 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $15,000 | 6,025 |
| Income before extraordinary items | $-588,000 | 8,332 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-588,000 | 8,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $742,000 | 875 |
| Cash dividends | $81,000 | 5,538 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-588,000 | 8,326 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,787,000 | 7,270 |
| Total interest expense | $658,000 | 7,172 |
| Net interest income | $1,129,000 | 7,255 |
| Provision for loan and lease losses | $458,000 | 1,498 |
| Total noninterest income | $117,000 | 7,312 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $130,000 | 5,312 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-13,000 | 8,715 |
| Total noninterest expense | $861,000 | 7,485 |
| Salaries and employee benefits | $410,000 | 7,738 |
| Premises and equipment expense | $131,000 | 7,005 |
| Additional noninterest expense | $320,000 | 6,965 |
| Pre-tax net operating income | $-73,000 | 8,199 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $15,000 | 6,081 |
| Income before extraordinary items | $-88,000 | 8,235 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-88,000 | 8,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $435,000 | 901 |
| Cash dividends | $81,000 | 4,848 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-88,000 | 8,227 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,214,000 | 7,246 |
| Total interest expense | $443,000 | 7,105 |
| Net interest income | $771,000 | 7,242 |
| Provision for loan and lease losses | $139,000 | 2,783 |
| Total noninterest income | $107,000 | 6,867 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $91,000 | 5,218 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,000 | 7,752 |
| Total noninterest expense | $568,000 | 7,534 |
| Salaries and employee benefits | $275,000 | 7,771 |
| Premises and equipment expense | $86,000 | 7,054 |
| Additional noninterest expense | $207,000 | 7,024 |
| Pre-tax net operating income | $171,000 | 7,259 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $15,000 | 5,945 |
| Income before extraordinary items | $156,000 | 7,108 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $156,000 | 7,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 1,561 |
| Cash dividends | $57,000 | 4,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $156,000 | 7,120 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $617,000 | 7,209 |
| Total interest expense | $222,000 | 7,031 |
| Net interest income | $395,000 | 7,225 |
| Provision for loan and lease losses | $38,000 | 3,609 |
| Total noninterest income | $56,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $46,000 | 5,116 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,545 |
| Total noninterest expense | $298,000 | 7,448 |
| Salaries and employee benefits | $144,000 | 7,712 |
| Premises and equipment expense | $42,000 | 7,104 |
| Additional noninterest expense | $112,000 | 6,815 |
| Pre-tax net operating income | $115,000 | 6,881 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $14,000 | 5,578 |
| Income before extraordinary items | $101,000 | 6,724 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $101,000 | 6,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,099 |
| Cash dividends | $38,000 | 3,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $101,000 | 6,722 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,144,000 | 7,316 |
| Total interest expense | $648,000 | 7,195 |
| Net interest income | $1,496,000 | 7,293 |
| Provision for loan and lease losses | $210,000 | 3,502 |
| Total noninterest income | $222,000 | 6,892 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $173,000 | 5,354 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $49,000 | 7,413 |
| Total noninterest expense | $1,064,000 | 7,635 |
| Salaries and employee benefits | $545,000 | 7,781 |
| Premises and equipment expense | $136,000 | 7,451 |
| Additional noninterest expense | $383,000 | 7,167 |
| Pre-tax net operating income | $444,000 | 6,915 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $450,000 | 6,577 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $450,000 | 6,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,354 |
| Cash dividends | $231,000 | 4,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $444,000 | 6,569 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,577,000 | 7,367 |
| Total interest expense | $447,000 | 7,294 |
| Net interest income | $1,130,000 | 7,322 |
| Provision for loan and lease losses | $162,000 | 3,363 |
| Total noninterest income | $165,000 | 6,936 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $128,000 | 5,401 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 7,425 |
| Total noninterest expense | $768,000 | 7,692 |
| Salaries and employee benefits | $398,000 | 7,789 |
| Premises and equipment expense | $96,000 | 7,530 |
| Additional noninterest expense | $274,000 | 7,291 |
| Pre-tax net operating income | $365,000 | 6,926 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $371,000 | 6,535 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $371,000 | 6,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,419 |
| Cash dividends | $189,000 | 4,144 |
| 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 | $1,017,000 | 7,417 |
| Total interest expense | $273,000 | 7,359 |
| Net interest income | $744,000 | 7,364 |
| Provision for loan and lease losses | $110,000 | 3,223 |
| Total noninterest income | $112,000 | 6,895 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $80,000 | 5,480 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $32,000 | 7,096 |
| Total noninterest expense | $498,000 | 7,739 |
| Salaries and employee benefits | $260,000 | 7,839 |
| Premises and equipment expense | $60,000 | 7,621 |
| Additional noninterest expense | $178,000 | 7,317 |
| Pre-tax net operating income | $248,000 | 6,932 |
| Securities gains (losses) | $6,000 | 1,523 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $254,000 | 6,474 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $254,000 | 6,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,846 |
| Cash dividends | $131,000 | 4,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $248,000 | 6,479 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $490,000 | 7,528 |
| Total interest expense | $125,000 | 7,496 |
| Net interest income | $365,000 | 7,451 |
| Provision for loan and lease losses | $58,000 | 3,022 |
| Total noninterest income | $53,000 | 6,982 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $38,000 | 5,561 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,267 |
| Total noninterest expense | $241,000 | 7,859 |
| Salaries and employee benefits | $127,000 | 7,925 |
| Premises and equipment expense | $26,000 | 7,883 |
| Additional noninterest expense | $88,000 | 7,402 |
| Pre-tax net operating income | $119,000 | 6,968 |
| Securities gains (losses) | $6,000 | 1,143 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $125,000 | 6,483 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $125,000 | 6,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $55,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $119,000 | 6,549 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,651,000 | 7,733 |
| Total interest expense | $327,000 | 7,967 |
| Net interest income | $1,324,000 | 7,571 |
| Provision for loan and lease losses | $165,000 | 4,077 |
| Total noninterest income | $296,000 | 6,433 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $183,000 | 5,395 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $113,000 | 6,209 |
| Total noninterest expense | $880,000 | 8,014 |
| Salaries and employee benefits | $496,000 | 7,991 |
| Premises and equipment expense | $79,000 | 8,227 |
| Additional noninterest expense | $305,000 | 7,674 |
| Pre-tax net operating income | $575,000 | 6,469 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $575,000 | 6,050 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $575,000 | 6,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,429 |
| Cash dividends | $261,000 | 4,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $575,000 | 5,982 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,205,000 | 7,810 |
| Total interest expense | $235,000 | 8,056 |
| Net interest income | $970,000 | 7,635 |
| Provision for loan and lease losses | $114,000 | 4,067 |
| Total noninterest income | $227,000 | 6,432 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $142,000 | 5,389 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $85,000 | 6,209 |
| Total noninterest expense | $652,000 | 8,040 |
| Salaries and employee benefits | $370,000 | 7,979 |
| Premises and equipment expense | $57,000 | 8,268 |
| Additional noninterest expense | $225,000 | 7,706 |
| Pre-tax net operating income | $431,000 | 6,608 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $431,000 | 6,145 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $431,000 | 6,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,570 |
| Cash dividends | $194,000 | 4,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $431,000 | 6,076 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $781,000 | 7,900 |
| Total interest expense | $155,000 | 8,147 |
| Net interest income | $626,000 | 7,729 |
| Provision for loan and lease losses | $70,000 | 4,107 |
| Total noninterest income | $141,000 | 6,599 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $94,000 | 5,405 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $47,000 | 6,544 |
| Total noninterest expense | $426,000 | 8,116 |
| Salaries and employee benefits | $246,000 | 8,032 |
| Premises and equipment expense | $37,000 | 8,342 |
| Additional noninterest expense | $143,000 | 7,815 |
| Pre-tax net operating income | $271,000 | 6,686 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $271,000 | 6,272 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $271,000 | 6,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,344 |
| Cash dividends | $123,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $271,000 | 6,181 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $391,000 | 7,941 |
| Total interest expense | $79,000 | 8,191 |
| Net interest income | $312,000 | 7,767 |
| Provision for loan and lease losses | $28,000 | 4,432 |
| Total noninterest income | $72,000 | 6,518 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $46,000 | 5,389 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $223,000 | 8,081 |
| Salaries and employee benefits | $125,000 | 8,041 |
| Premises and equipment expense | $18,000 | 8,372 |
| Additional noninterest expense | $80,000 | 7,636 |
| Pre-tax net operating income | $133,000 | 6,682 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $133,000 | 6,286 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $133,000 | 6,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $58,000 | 3,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $133,000 | 6,173 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,490,000 | 8,085 |
| Total interest expense | $321,000 | 8,393 |
| Net interest income | $1,169,000 | 7,856 |
| Provision for loan and lease losses | $85,000 | 5,561 |
| Total noninterest income | $241,000 | 7,008 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $162,000 | 5,724 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $79,000 | 6,902 |
| Total noninterest expense | $829,000 | 8,219 |
| Salaries and employee benefits | $478,000 | 8,163 |
| Premises and equipment expense | $80,000 | 8,341 |
| Additional noninterest expense | $271,000 | 7,954 |
| Pre-tax net operating income | $496,000 | 6,690 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $171,000 | 5,124 |
| Income before extraordinary items | $327,000 | 7,150 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $327,000 | 7,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,330 |
| Cash dividends | $274,000 | 4,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $325,680 | 7,018 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,110,000 | 8,186 |
| Total interest expense | $243,000 | 8,496 |
| Net interest income | $867,000 | 7,942 |
| Provision for loan and lease losses | $67,000 | 5,386 |
| Total noninterest income | $178,000 | 7,095 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $117,000 | 5,833 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $61,000 | 6,919 |
| Total noninterest expense | $610,000 | 8,246 |
| Salaries and employee benefits | $353,000 | 8,182 |
| Premises and equipment expense | $61,000 | 8,368 |
| Additional noninterest expense | $196,000 | 8,027 |
| Pre-tax net operating income | $368,000 | 6,861 |
| Securities gains (losses) | $-2,000 | 8,785 |
| Applicable income taxes | $128,000 | 5,296 |
| Income before extraordinary items | $238,000 | 7,342 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $238,000 | 7,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,212 |
| Cash dividends | $234,000 | 3,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $239,300 | 7,165 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $733,000 | 8,250 |
| Total interest expense | $164,000 | 8,559 |
| Net interest income | $569,000 | 8,000 |
| Provision for loan and lease losses | $41,000 | 5,427 |
| Total noninterest income | $118,000 | 7,103 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $76,000 | 5,869 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $42,000 | 6,875 |
| Total noninterest expense | $405,000 | 8,275 |
| Salaries and employee benefits | $237,000 | 8,194 |
| Premises and equipment expense | $40,000 | 8,386 |
| Additional noninterest expense | $128,000 | 8,072 |
| Pre-tax net operating income | $241,000 | 6,900 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $85,000 | 5,338 |
| Income before extraordinary items | $158,000 | 7,366 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $158,000 | 7,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,092 |
| Cash dividends | $209,000 | 3,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $156,700 | 7,200 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $367,000 | 8,306 |
| Total interest expense | $82,000 | 8,643 |
| Net interest income | $285,000 | 8,034 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $51,000 | 7,328 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 5,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 7,569 |
| Total noninterest expense | $199,000 | 8,349 |
| Salaries and employee benefits | $121,000 | 8,179 |
| Premises and equipment expense | $20,000 | 8,398 |
| Additional noninterest expense | $58,000 | 8,275 |
| Pre-tax net operating income | $117,000 | 6,946 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $41,000 | 5,361 |
| Income before extraordinary items | $76,000 | 7,373 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $76,000 | 7,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,227 |
| Cash dividends | $45,000 | 3,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $76,000 | 7,217 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,546,000 | 8,321 |
| Total interest expense | $447,000 | 8,524 |
| Net interest income | $1,099,000 | 8,118 |
| Provision for loan and lease losses | $94,000 | 5,835 |
| Total noninterest income | $225,000 | 7,066 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $162,000 | 5,679 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $63,000 | 7,257 |
| Total noninterest expense | $806,000 | 8,337 |
| Salaries and employee benefits | $476,000 | 8,234 |
| Premises and equipment expense | $94,000 | 8,249 |
| Additional noninterest expense | $236,000 | 8,278 |
| Pre-tax net operating income | $424,000 | 7,062 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $127,000 | 5,721 |
| Income before extraordinary items | $297,000 | 7,335 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $297,000 | 7,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 4,259 |
| Cash dividends | $85,000 | 5,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $297,000 | 7,233 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,866,000 | 8,354 |
| Total interest expense | $770,000 | 8,487 |
| Net interest income | $1,096,000 | 8,094 |
| Provision for loan and lease losses | $102,000 | 5,556 |
| Total noninterest income | $213,000 | 7,184 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $168,000 | 5,540 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $45,000 | 7,826 |
| Total noninterest expense | $808,000 | 8,441 |
| Salaries and employee benefits | $464,000 | 8,335 |
| Premises and equipment expense | $102,000 | 8,268 |
| Additional noninterest expense | $242,000 | 8,289 |
| Pre-tax net operating income | $399,000 | 6,992 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $104,000 | 5,960 |
| Income before extraordinary items | $295,000 | 7,179 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $295,000 | 7,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,715 |
| Cash dividends | $30,000 | 6,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $295,000 | 7,050 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,944,000 | 8,462 |
| Total interest expense | $788,000 | 8,674 |
| Net interest income | $1,156,000 | 8,176 |
| Provision for loan and lease losses | $178,000 | 4,045 |
| Total noninterest income | $225,000 | 7,026 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 7,994 |
| Total noninterest expense | $820,000 | 8,515 |
| Salaries and employee benefits | $470,000 | 8,404 |
| Premises and equipment expense | $104,000 | 8,374 |
| Additional noninterest expense | $246,000 | 8,372 |
| Pre-tax net operating income | $383,000 | 7,549 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $110,000 | 6,390 |
| Income before extraordinary items | $273,000 | 7,637 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $273,000 | 7,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,014 |
| Cash dividends | $3,000 | 6,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $273,000 | 7,644 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,853,000 | 8,665 |
| Total interest expense | $774,000 | 8,746 |
| Net interest income | $1,079,000 | 8,451 |
| Provision for loan and lease losses | $188,000 | 3,699 |
| Total noninterest income | $217,000 | 7,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,348 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,711 |
| Total noninterest expense | $832,000 | 8,638 |
| Salaries and employee benefits | $459,000 | 8,576 |
| Premises and equipment expense | $115,000 | 8,338 |
| Additional noninterest expense | $258,000 | 8,481 |
| Pre-tax net operating income | $276,000 | 8,226 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $55,000 | 7,567 |
| Income before extraordinary items | $221,000 | 8,142 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $221,000 | 8,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,435 |
| Cash dividends | $63,000 | 6,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $221,000 | 8,113 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,685,000 | 9,069 |
| Total interest expense | $708,000 | 9,179 |
| Net interest income | $977,000 | 8,852 |
| Provision for loan and lease losses | $83,000 | 5,519 |
| Total noninterest income | $174,000 | 7,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 6,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,655 |
| Total noninterest expense | $818,000 | 8,720 |
| Salaries and employee benefits | $486,000 | 8,446 |
| Premises and equipment expense | $121,000 | 8,248 |
| Additional noninterest expense | $211,000 | 9,008 |
| Pre-tax net operating income | $250,000 | 8,665 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $69,000 | 8,007 |
| Income before extraordinary items | $181,000 | 8,749 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $181,000 | 8,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,973 |
| Cash dividends | $35,000 | 7,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $181,000 | 8,682 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,428,000 | 9,770 |
| Total interest expense | $577,000 | 9,896 |
| Net interest income | $851,000 | 9,538 |
| Provision for loan and lease losses | $65,000 | 6,037 |
| Total noninterest income | $153,000 | 8,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 6,738 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 9,236 |
| Total noninterest expense | $790,000 | 9,073 |
| Salaries and employee benefits | $455,000 | 8,918 |
| Premises and equipment expense | $117,000 | 8,566 |
| Additional noninterest expense | $218,000 | 9,190 |
| Pre-tax net operating income | $149,000 | 9,849 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $28,000 | 9,589 |
| Income before extraordinary items | $121,000 | 9,830 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $121,000 | 9,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,034 |
| Cash dividends | $47,000 | 7,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $121,000 | 9,782 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,174,000 | 10,558 |
| Total interest expense | $443,000 | 10,766 |
| Net interest income | $731,000 | 10,298 |
| Provision for loan and lease losses | $7,000 | 8,718 |
| Total noninterest income | $179,000 | 8,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 6,977 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 8,719 |
| Total noninterest expense | $740,000 | 9,675 |
| Salaries and employee benefits | $418,000 | 9,484 |
| Premises and equipment expense | $105,000 | 9,153 |
| Additional noninterest expense | $217,000 | 9,742 |
| Pre-tax net operating income | $163,000 | 10,005 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $24,000 | 10,128 |
| Income before extraordinary items | $139,000 | 9,894 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $139,000 | 9,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $83,000 | 6,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $139,000 | 9,838 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,067,000 | 11,173 |
| Total interest expense | $370,000 | 11,410 |
| Net interest income | $697,000 | 10,851 |
| Provision for loan and lease losses | $3,000 | 8,797 |
| Total noninterest income | $159,000 | 9,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 7,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,521 |
| Total noninterest expense | $719,000 | 10,110 |
| Salaries and employee benefits | $386,000 | 10,046 |
| Premises and equipment expense | $100,000 | 9,626 |
| Additional noninterest expense | $233,000 | 10,025 |
| Pre-tax net operating income | $134,000 | 10,882 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $9,000 | 10,947 |
| Income before extraordinary items | $125,000 | 10,700 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $125,000 | 10,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,436 |
| Cash dividends | $54,000 | 7,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $125,000 | 10,679 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $973,000 | 11,756 |
| Total interest expense | $296,000 | 12,053 |
| Net interest income | $677,000 | 11,465 |
| Provision for loan and lease losses | $8,000 | 8,632 |
| Total noninterest income | $160,000 | 9,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 7,668 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,980 |
| Total noninterest expense | $714,000 | 10,639 |
| Salaries and employee benefits | $377,000 | 10,491 |
| Premises and equipment expense | $108,000 | 9,773 |
| Additional noninterest expense | $229,000 | 10,782 |
| Pre-tax net operating income | $115,000 | 11,529 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,000 | 11,577 |
| Income before extraordinary items | $114,000 | 11,226 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $114,000 | 11,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,043 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $114,000 | 11,275 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 12,232 |
| Total interest expense | $307,000 | 12,650 |
| Net interest income | $720,000 | 11,792 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $163,000 | 9,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 7,947 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,262 |
| Total noninterest expense | $705,000 | 11,134 |
| Salaries and employee benefits | $375,000 | 10,889 |
| Premises and equipment expense | $104,000 | 10,324 |
| Additional noninterest expense | $226,000 | 11,382 |
| Pre-tax net operating income | $178,000 | 11,234 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $59,000 | 10,725 |
| Income before extraordinary items | $119,000 | 11,587 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $119,000 | 11,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 7,365 |
| Cash dividends | $61,000 | 7,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $119,000 | 11,382 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,106,000 | 12,819 |
| Total interest expense | $410,000 | 13,146 |
| Net interest income | $696,000 | 12,331 |
| Provision for loan and lease losses | $29,000 | 10,079 |
| Total noninterest income | $192,000 | 9,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 8,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 9,018 |
| Total noninterest expense | $721,000 | 11,407 |
| Salaries and employee benefits | $329,000 | 11,678 |
| Premises and equipment expense | $119,000 | 10,050 |
| Additional noninterest expense | $273,000 | 11,229 |
| Pre-tax net operating income | $138,000 | 11,641 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $24,000 | 11,995 |
| Income before extraordinary items | $114,000 | 11,747 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $114,000 | 11,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 9,274 |
| Cash dividends | $52,000 | 7,625 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $114,000 | 11,439 |
* 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.