Home > Alaska First Bank & Trust > Income and Expense
Alaska First Bank & Trust, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,217,000 | 6,915 |
| Total interest expense | $574,000 | 7,594 |
| Net interest income | $1,643,000 | 6,338 |
| Provision for loan and lease losses | $11,000 | 6,130 |
| Total noninterest income | $1,626,000 | 2,094 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $144,000 | 5,010 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,482,000 | 1,387 |
| Total noninterest expense | $2,711,000 | 4,408 |
| Salaries and employee benefits | $1,478,000 | 4,418 |
| Premises and equipment expense | $460,000 | 3,780 |
| Additional noninterest expense | $773,000 | 4,483 |
| Pre-tax net operating income | $547,000 | 5,614 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $186,000 | 3,798 |
| Income before extraordinary items | $361,000 | 6,007 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $361,000 | 6,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,905 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $361,000 | 5,992 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,460,000 | 6,981 |
| Total interest expense | $381,000 | 7,631 |
| Net interest income | $1,079,000 | 6,413 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,133,000 | 2,048 |
| 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 | $1,030,000 | 1,370 |
| Total noninterest expense | $1,755,000 | 4,518 |
| Salaries and employee benefits | $999,000 | 4,414 |
| Premises and equipment expense | $304,000 | 3,821 |
| Additional noninterest expense | $452,000 | 4,905 |
| Pre-tax net operating income | $457,000 | 5,234 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $154,000 | 3,613 |
| Income before extraordinary items | $303,000 | 5,633 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $303,000 | 5,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,177 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $303,000 | 5,613 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $704,000 | 7,079 |
| Total interest expense | $185,000 | 7,698 |
| Net interest income | $519,000 | 6,523 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $523,000 | 2,150 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $57,000 | 4,628 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $466,000 | 1,435 |
| Total noninterest expense | $888,000 | 4,471 |
| Salaries and employee benefits | $499,000 | 4,444 |
| Premises and equipment expense | $156,000 | 3,772 |
| Additional noninterest expense | $233,000 | 4,770 |
| Pre-tax net operating income | $154,000 | 6,013 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $51,000 | 4,100 |
| Income before extraordinary items | $103,000 | 6,350 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $103,000 | 6,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,384 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $103,000 | 6,331 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,740,000 | 6,975 |
| Total interest expense | $702,000 | 7,509 |
| Net interest income | $2,038,000 | 6,515 |
| Provision for loan and lease losses | $70,000 | 5,172 |
| Total noninterest income | $1,888,000 | 2,324 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $199,000 | 5,003 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,689,000 | 1,525 |
| Total noninterest expense | $3,593,000 | 4,318 |
| Salaries and employee benefits | $1,949,000 | 4,361 |
| Premises and equipment expense | $634,000 | 3,614 |
| Additional noninterest expense | $1,010,000 | 4,479 |
| Pre-tax net operating income | $263,000 | 7,223 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $51,000 | 5,432 |
| Income before extraordinary items | $212,000 | 7,225 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $212,000 | 7,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,533 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $212,000 | 7,215 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,006,000 | 7,055 |
| Total interest expense | $507,000 | 7,570 |
| Net interest income | $1,499,000 | 6,630 |
| Provision for loan and lease losses | $70,000 | 4,662 |
| Total noninterest income | $1,436,000 | 2,302 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $155,000 | 4,969 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,281,000 | 1,520 |
| Total noninterest expense | $2,729,000 | 4,253 |
| Salaries and employee benefits | $1,466,000 | 4,316 |
| Premises and equipment expense | $479,000 | 3,587 |
| Additional noninterest expense | $784,000 | 4,333 |
| Pre-tax net operating income | $136,000 | 7,686 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $55,000 | 5,380 |
| Income before extraordinary items | $81,000 | 7,822 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $81,000 | 7,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 1,870 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $81,000 | 7,822 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,314,000 | 7,097 |
| Total interest expense | $327,000 | 7,589 |
| Net interest income | $987,000 | 6,690 |
| Provision for loan and lease losses | $70,000 | 3,903 |
| Total noninterest income | $942,000 | 2,311 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $106,000 | 4,898 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $836,000 | 1,548 |
| Total noninterest expense | $1,835,000 | 4,239 |
| Salaries and employee benefits | $982,000 | 4,327 |
| Premises and equipment expense | $319,000 | 3,590 |
| Additional noninterest expense | $534,000 | 4,268 |
| Pre-tax net operating income | $24,000 | 8,070 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $17,000 | 5,888 |
| Income before extraordinary items | $7,000 | 8,147 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,000 | 8,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 1,597 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $7,000 | 8,142 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $659,000 | 7,081 |
| Total interest expense | $149,000 | 7,691 |
| Net interest income | $510,000 | 6,628 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $477,000 | 2,256 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $58,000 | 4,612 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $419,000 | 1,520 |
| Total noninterest expense | $891,000 | 4,348 |
| Salaries and employee benefits | $482,000 | 4,395 |
| Premises and equipment expense | $156,000 | 3,660 |
| Additional noninterest expense | $253,000 | 4,436 |
| Pre-tax net operating income | $96,000 | 7,108 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $38,000 | 4,781 |
| Income before extraordinary items | $58,000 | 7,401 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $58,000 | 7,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $58,000 | 7,406 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,826,000 | 6,736 |
| Total interest expense | $641,000 | 7,212 |
| Net interest income | $2,185,000 | 6,399 |
| Provision for loan and lease losses | $-100,000 | 8,628 |
| Total noninterest income | $1,905,000 | 2,300 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $230,000 | 4,750 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,675,000 | 1,535 |
| Total noninterest expense | $3,561,000 | 4,233 |
| Salaries and employee benefits | $1,942,000 | 4,212 |
| Premises and equipment expense | $624,000 | 3,536 |
| Additional noninterest expense | $995,000 | 4,434 |
| Pre-tax net operating income | $629,000 | 6,326 |
| Securities gains (losses) | $31,000 | 1,097 |
| Applicable income taxes | $119,000 | 5,219 |
| Income before extraordinary items | $541,000 | 6,208 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $541,000 | 6,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 801 |
| Net operating income | $515,580 | 6,279 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,133,000 | 6,717 |
| Total interest expense | $499,000 | 7,078 |
| Net interest income | $1,634,000 | 6,442 |
| Provision for loan and lease losses | $-100,000 | 8,698 |
| Total noninterest income | $1,437,000 | 2,280 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $172,000 | 4,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,265,000 | 1,528 |
| Total noninterest expense | $2,722,000 | 4,130 |
| Salaries and employee benefits | $1,476,000 | 4,146 |
| Premises and equipment expense | $475,000 | 3,484 |
| Additional noninterest expense | $771,000 | 4,299 |
| Pre-tax net operating income | $449,000 | 6,574 |
| Securities gains (losses) | $31,000 | 1,052 |
| Applicable income taxes | $58,000 | 5,689 |
| Income before extraordinary items | $422,000 | 6,247 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $422,000 | 6,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,957 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 632 |
| Net operating income | $394,720 | 6,369 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,407,000 | 6,703 |
| Total interest expense | $318,000 | 7,074 |
| Net interest income | $1,089,000 | 6,437 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $980,000 | 2,207 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $118,000 | 4,686 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $862,000 | 1,497 |
| Total noninterest expense | $1,697,000 | 4,342 |
| Salaries and employee benefits | $988,000 | 4,116 |
| Premises and equipment expense | $325,000 | 3,391 |
| Additional noninterest expense | $384,000 | 5,232 |
| Pre-tax net operating income | $372,000 | 6,152 |
| Securities gains (losses) | $31,000 | 949 |
| Applicable income taxes | $98,000 | 4,834 |
| Income before extraordinary items | $305,000 | 6,085 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $305,000 | 6,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,134 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $281,440 | 6,202 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $676,000 | 6,821 |
| Total interest expense | $142,000 | 7,267 |
| Net interest income | $534,000 | 6,530 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $472,000 | 2,224 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $59,000 | 4,633 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $413,000 | 1,519 |
| Total noninterest expense | $836,000 | 4,417 |
| Salaries and employee benefits | $483,000 | 4,208 |
| Premises and equipment expense | $168,000 | 3,336 |
| Additional noninterest expense | $185,000 | 5,357 |
| Pre-tax net operating income | $170,000 | 6,314 |
| Securities gains (losses) | $27,000 | 702 |
| Applicable income taxes | $27,000 | 5,406 |
| Income before extraordinary items | $170,000 | 5,808 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $170,000 | 5,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,933 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $146,780 | 6,107 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,686,000 | 6,724 |
| Total interest expense | $430,000 | 7,570 |
| Net interest income | $2,256,000 | 6,304 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,051,000 | 3,424 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $270,000 | 4,563 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $781,000 | 2,532 |
| Total noninterest expense | $2,927,000 | 4,742 |
| Salaries and employee benefits | $1,543,000 | 4,846 |
| Premises and equipment expense | $533,000 | 3,891 |
| Additional noninterest expense | $851,000 | 4,888 |
| Pre-tax net operating income | $380,000 | 7,159 |
| Securities gains (losses) | $136,000 | 1,037 |
| Applicable income taxes | $119,000 | 5,339 |
| Income before extraordinary items | $397,000 | 6,788 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $397,000 | 6,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,878 |
| Cash dividends | $161,000 | 5,102 |
| Sale, conversion, retirement of capital stock, net | $372,000 | 504 |
| Net operating income | $292,280 | 7,209 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,004,000 | 6,751 |
| Total interest expense | $315,000 | 7,628 |
| Net interest income | $1,689,000 | 6,310 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $607,000 | 4,043 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $207,000 | 4,550 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $400,000 | 3,184 |
| Total noninterest expense | $2,086,000 | 4,879 |
| Salaries and employee benefits | $1,061,000 | 5,096 |
| Premises and equipment expense | $376,000 | 4,058 |
| Additional noninterest expense | $649,000 | 4,789 |
| Pre-tax net operating income | $210,000 | 7,648 |
| Securities gains (losses) | $93,000 | 1,219 |
| Applicable income taxes | $56,000 | 5,887 |
| Income before extraordinary items | $247,000 | 7,223 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $247,000 | 7,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,357 |
| Cash dividends | $160,000 | 4,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $170,740 | 7,600 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,330,000 | 6,795 |
| Total interest expense | $210,000 | 7,690 |
| Net interest income | $1,120,000 | 6,350 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $321,000 | 4,649 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $136,000 | 4,574 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $185,000 | 3,904 |
| Total noninterest expense | $1,302,000 | 5,136 |
| Salaries and employee benefits | $645,000 | 5,470 |
| Premises and equipment expense | $238,000 | 4,228 |
| Additional noninterest expense | $419,000 | 4,901 |
| Pre-tax net operating income | $139,000 | 7,638 |
| Securities gains (losses) | $56,000 | 1,387 |
| Applicable income taxes | $20,000 | 6,279 |
| Income before extraordinary items | $175,000 | 7,118 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $175,000 | 7,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $160,000 | 3,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $124,600 | 7,481 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $672,000 | 6,818 |
| Total interest expense | $106,000 | 7,744 |
| Net interest income | $566,000 | 6,334 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $154,000 | 4,708 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $65,000 | 4,595 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $89,000 | 3,959 |
| Total noninterest expense | $645,000 | 5,194 |
| Salaries and employee benefits | $323,000 | 5,499 |
| Premises and equipment expense | $115,000 | 4,370 |
| Additional noninterest expense | $207,000 | 4,938 |
| Pre-tax net operating income | $75,000 | 7,537 |
| Securities gains (losses) | $51,000 | 1,182 |
| Applicable income taxes | $39,000 | 5,128 |
| Income before extraordinary items | $87,000 | 7,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $87,000 | 7,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $160,000 | 2,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $51,810 | 7,696 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,977,000 | 6,539 |
| Total interest expense | $530,000 | 7,639 |
| Net interest income | $2,447,000 | 5,978 |
| Provision for loan and lease losses | $97,000 | 5,382 |
| Total noninterest income | $757,000 | 4,358 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $319,000 | 4,157 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $438,000 | 3,804 |
| Total noninterest expense | $2,769,000 | 4,863 |
| Salaries and employee benefits | $1,316,000 | 5,308 |
| Premises and equipment expense | $582,000 | 3,611 |
| Additional noninterest expense | $871,000 | 4,754 |
| Pre-tax net operating income | $338,000 | 7,284 |
| Securities gains (losses) | $170,000 | 1,447 |
| Applicable income taxes | $158,000 | 5,212 |
| Income before extraordinary items | $350,000 | 7,039 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $350,000 | 7,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,690 |
| Cash dividends | $160,000 | 5,143 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $232,700 | 7,471 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,310,000 | 6,506 |
| Total interest expense | $419,000 | 7,691 |
| Net interest income | $1,891,000 | 5,903 |
| Provision for loan and lease losses | $18,000 | 6,830 |
| Total noninterest income | $576,000 | 4,368 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $247,000 | 4,121 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $329,000 | 3,892 |
| Total noninterest expense | $2,090,000 | 4,839 |
| Salaries and employee benefits | $988,000 | 5,291 |
| Premises and equipment expense | $462,000 | 3,445 |
| Additional noninterest expense | $640,000 | 4,784 |
| Pre-tax net operating income | $359,000 | 6,902 |
| Securities gains (losses) | $169,000 | 1,333 |
| Applicable income taxes | $145,000 | 5,151 |
| Income before extraordinary items | $383,000 | 6,449 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $383,000 | 6,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,498 |
| Cash dividends | $160,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $259,630 | 7,033 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,570,000 | 6,492 |
| Total interest expense | $296,000 | 7,694 |
| Net interest income | $1,274,000 | 5,866 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $403,000 | 4,230 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $166,000 | 4,063 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $237,000 | 3,717 |
| Total noninterest expense | $1,431,000 | 4,730 |
| Salaries and employee benefits | $656,000 | 5,318 |
| Premises and equipment expense | $346,000 | 3,105 |
| Additional noninterest expense | $429,000 | 4,760 |
| Pre-tax net operating income | $234,000 | 6,947 |
| Securities gains (losses) | $162,000 | 1,183 |
| Applicable income taxes | $95,000 | 5,205 |
| Income before extraordinary items | $301,000 | 6,088 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $301,000 | 6,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $160,000 | 3,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $177,880 | 7,010 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $810,000 | 6,419 |
| Total interest expense | $162,000 | 7,591 |
| Net interest income | $648,000 | 5,797 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $170,000 | 4,564 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $78,000 | 4,130 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $92,000 | 4,085 |
| Total noninterest expense | $695,000 | 4,818 |
| Salaries and employee benefits | $328,000 | 5,324 |
| Premises and equipment expense | $152,000 | 3,453 |
| Additional noninterest expense | $215,000 | 4,716 |
| Pre-tax net operating income | $117,000 | 6,946 |
| Securities gains (losses) | $131,000 | 856 |
| Applicable income taxes | $86,000 | 4,218 |
| Income before extraordinary items | $162,000 | 5,837 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $162,000 | 5,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $160,000 | 2,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $76,850 | 7,214 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,429,000 | 6,405 |
| Total interest expense | $808,000 | 7,490 |
| Net interest income | $2,621,000 | 5,755 |
| Provision for loan and lease losses | $205,000 | 4,288 |
| Total noninterest income | $699,000 | 4,340 |
| Gross Fiduciary activities income | $1,000 | 1,652 |
| Service charges on deposit accounts | $324,000 | 4,061 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $374,000 | 3,818 |
| Total noninterest expense | $2,779,000 | 4,705 |
| Salaries and employee benefits | $1,278,000 | 5,250 |
| Premises and equipment expense | $581,000 | 3,503 |
| Additional noninterest expense | $920,000 | 4,463 |
| Pre-tax net operating income | $336,000 | 7,411 |
| Securities gains (losses) | $88,000 | 1,856 |
| Applicable income taxes | $170,000 | 5,339 |
| Income before extraordinary items | $254,000 | 7,541 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $254,000 | 7,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,486 |
| Cash dividends | $240,000 | 4,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $197,680 | 7,748 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,272,000 | 6,129 |
| Total interest expense | $1,700,000 | 6,601 |
| Net interest income | $2,572,000 | 5,620 |
| Provision for loan and lease losses | $20,000 | 7,552 |
| Total noninterest income | $638,000 | 4,427 |
| Gross Fiduciary activities income | $4,000 | 1,566 |
| Service charges on deposit accounts | $318,000 | 4,018 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $316,000 | 3,998 |
| Total noninterest expense | $2,637,000 | 4,786 |
| Salaries and employee benefits | $1,352,000 | 4,888 |
| Premises and equipment expense | $480,000 | 4,030 |
| Additional noninterest expense | $805,000 | 4,760 |
| Pre-tax net operating income | $553,000 | 6,352 |
| Securities gains (losses) | $254,000 | 1,011 |
| Applicable income taxes | $295,000 | 4,304 |
| Income before extraordinary items | $512,000 | 6,015 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $512,000 | 6,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,392 |
| Cash dividends | $260,000 | 4,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $349,440 | 6,721 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,952,000 | 6,530 |
| Total interest expense | $1,632,000 | 6,893 |
| Net interest income | $2,320,000 | 6,081 |
| Provision for loan and lease losses | $18,000 | 7,686 |
| Total noninterest income | $1,701,000 | 2,122 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $323,000 | 3,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,378,000 | 1,479 |
| Total noninterest expense | $2,476,000 | 4,891 |
| Salaries and employee benefits | $1,216,000 | 5,173 |
| Premises and equipment expense | $469,000 | 3,990 |
| Additional noninterest expense | $791,000 | 4,780 |
| Pre-tax net operating income | $1,527,000 | 4,025 |
| Securities gains (losses) | $-14,000 | 8,543 |
| Applicable income taxes | $580,000 | 3,181 |
| Income before extraordinary items | $933,000 | 4,576 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $933,000 | 4,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,671 |
| Cash dividends | $225,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $-480,000 | 9,830 |
| Net operating income | $941,960 | 4,552 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,510,000 | 6,816 |
| Total interest expense | $1,334,000 | 7,329 |
| Net interest income | $2,176,000 | 6,326 |
| Provision for loan and lease losses | $10,000 | 8,114 |
| Total noninterest income | $603,000 | 4,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $309,000 | 3,905 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $294,000 | 4,064 |
| Total noninterest expense | $2,446,000 | 4,961 |
| Salaries and employee benefits | $1,162,000 | 5,283 |
| Premises and equipment expense | $465,000 | 4,024 |
| Additional noninterest expense | $819,000 | 4,702 |
| Pre-tax net operating income | $323,000 | 7,964 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $113,000 | 6,751 |
| Income before extraordinary items | $210,000 | 8,224 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $210,000 | 8,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,387 |
| Cash dividends | $225,000 | 5,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $210,000 | 8,197 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,628,000 | 6,818 |
| Total interest expense | $1,430,000 | 7,349 |
| Net interest income | $2,198,000 | 6,295 |
| Provision for loan and lease losses | $9,000 | 8,310 |
| Total noninterest income | $598,000 | 4,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $349,000 | 3,509 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $249,000 | 4,439 |
| Total noninterest expense | $2,332,000 | 5,011 |
| Salaries and employee benefits | $1,130,000 | 5,304 |
| Premises and equipment expense | $413,000 | 4,312 |
| Additional noninterest expense | $789,000 | 4,729 |
| Pre-tax net operating income | $455,000 | 7,607 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $145,000 | 6,914 |
| Income before extraordinary items | $310,000 | 7,804 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $310,000 | 7,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $310,000 | 7,722 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,713,000 | 6,944 |
| Total interest expense | $1,363,000 | 7,681 |
| Net interest income | $2,350,000 | 6,293 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $468,000 | 5,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,238 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,173 |
| Total noninterest expense | $2,329,000 | 5,051 |
| Salaries and employee benefits | $1,085,000 | 5,538 |
| Premises and equipment expense | $385,000 | 4,571 |
| Additional noninterest expense | $859,000 | 4,487 |
| Pre-tax net operating income | $489,000 | 7,982 |
| Securities gains (losses) | $36,000 | 1,535 |
| Applicable income taxes | $149,000 | 7,627 |
| Income before extraordinary items | $376,000 | 7,806 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $376,000 | 7,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,092 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $350,080 | 7,939 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $272,000 | 11,359 |
| Total interest expense | $136,000 | 11,302 |
| Net interest income | $136,000 | 11,370 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $143,000 | 9,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 9,277 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,886 |
| Total noninterest expense | $414,000 | 10,924 |
| Salaries and employee benefits | $70,000 | 11,402 |
| Premises and equipment expense | $36,000 | 11,014 |
| Additional noninterest expense | $308,000 | 8,792 |
| Pre-tax net operating income | $-135,000 | 11,007 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-135,000 | 11,041 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-135,000 | 11,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 2,099 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-135,000 | 11,001 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,294,000 | 7,814 |
| Total interest expense | $1,306,000 | 8,264 |
| Net interest income | $1,988,000 | 7,347 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $671,000 | 4,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $460,000 | 2,947 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $211,000 | 4,973 |
| Total noninterest expense | $1,579,000 | 7,034 |
| Salaries and employee benefits | $794,000 | 7,129 |
| Premises and equipment expense | $300,000 | 5,625 |
| Additional noninterest expense | $485,000 | 7,389 |
| Pre-tax net operating income | $1,080,000 | 5,672 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $443,000 | 4,575 |
| Income before extraordinary items | $637,000 | 6,394 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $637,000 | 6,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,894 |
| Cash dividends | $243,000 | 5,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $637,000 | 6,383 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,763,000 | 8,443 |
| Total interest expense | $758,000 | 9,799 |
| Net interest income | $2,005,000 | 7,558 |
| Provision for loan and lease losses | $423,000 | 1,744 |
| Total noninterest income | $635,000 | 4,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $438,000 | 3,121 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 5,329 |
| Total noninterest expense | $1,464,000 | 7,715 |
| Salaries and employee benefits | $787,000 | 7,279 |
| Premises and equipment expense | $294,000 | 5,808 |
| Additional noninterest expense | $383,000 | 9,006 |
| Pre-tax net operating income | $753,000 | 7,115 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $320,000 | 5,625 |
| Income before extraordinary items | $433,000 | 7,869 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $433,000 | 7,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $52,000 | 7,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $433,000 | 7,925 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,160,000 | 9,865 |
| Total interest expense | $713,000 | 10,505 |
| Net interest income | $1,447,000 | 9,283 |
| Provision for loan and lease losses | $54,000 | 7,292 |
| Total noninterest income | $490,000 | 5,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $378,000 | 3,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 7,533 |
| Total noninterest expense | $1,238,000 | 8,742 |
| Salaries and employee benefits | $604,000 | 8,773 |
| Premises and equipment expense | $223,000 | 7,222 |
| Additional noninterest expense | $411,000 | 9,144 |
| Pre-tax net operating income | $645,000 | 7,651 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $277,000 | 6,387 |
| Income before extraordinary items | $368,000 | 8,760 |
| Extraordinary gains, net | $-2,000 | 12,173 |
| Net income | $366,000 | 8,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 11,177 |
| Cash dividends | $301,000 | 4,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $368,000 | 8,493 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,834,000 | 11,226 |
| Total interest expense | $668,000 | 11,975 |
| Net interest income | $1,166,000 | 10,444 |
| Provision for loan and lease losses | $23,000 | 10,448 |
| Total noninterest income | $431,000 | 6,254 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $358,000 | 3,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 9,151 |
| Total noninterest expense | $915,000 | 10,391 |
| Salaries and employee benefits | $491,000 | 9,868 |
| Premises and equipment expense | $193,000 | 8,002 |
| Additional noninterest expense | $231,000 | 11,802 |
| Pre-tax net operating income | $659,000 | 7,331 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $279,000 | 6,238 |
| Income before extraordinary items | $380,000 | 8,416 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $380,000 | 8,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $171,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $380,000 | 8,058 |
* 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.