Home > First Bank of Northern Kentucky, Inc. > Income and Expense
First Bank of Northern Kentucky, Inc., Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,448,000 | 5,378 |
| Total interest expense | $593,000 | 5,415 |
| Net interest income | $855,000 | 5,162 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $56,000 | 6,648 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $42,000 | 5,203 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $14,000 | 7,050 |
| Total noninterest expense | $754,000 | 5,000 |
| Salaries and employee benefits | $395,000 | 5,209 |
| Premises and equipment expense | $148,000 | 3,888 |
| Additional noninterest expense | $211,000 | 5,096 |
| Pre-tax net operating income | $157,000 | 5,984 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $157,000 | 5,559 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $157,000 | 5,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,697 |
| Cash dividends | $1,700,000 | 528 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $157,000 | 5,544 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,475,000 | 5,293 |
| Total interest expense | $1,795,000 | 5,697 |
| Net interest income | $3,680,000 | 4,891 |
| Provision for loan and lease losses | $-517,000 | 8,604 |
| Total noninterest income | $303,000 | 6,164 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $241,000 | 4,583 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $62,000 | 7,020 |
| Total noninterest expense | $3,221,000 | 4,664 |
| Salaries and employee benefits | $1,741,000 | 4,729 |
| Premises and equipment expense | $610,000 | 3,719 |
| Additional noninterest expense | $870,000 | 4,974 |
| Pre-tax net operating income | $1,279,000 | 4,659 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,279,000 | 4,149 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,279,000 | 4,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-124,000 | 8,525 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,279,000 | 4,118 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,000,000 | 5,369 |
| Total interest expense | $1,233,000 | 5,851 |
| Net interest income | $2,767,000 | 4,928 |
| Provision for loan and lease losses | $-500,000 | 8,671 |
| Total noninterest income | $240,000 | 6,098 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $192,000 | 4,481 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $48,000 | 6,985 |
| Total noninterest expense | $2,375,000 | 4,695 |
| Salaries and employee benefits | $1,257,000 | 4,826 |
| Premises and equipment expense | $464,000 | 3,683 |
| Additional noninterest expense | $654,000 | 4,944 |
| Pre-tax net operating income | $1,132,000 | 4,457 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,132,000 | 3,873 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,132,000 | 3,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 8,530 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,132,000 | 3,863 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,529,000 | 5,497 |
| Total interest expense | $732,000 | 6,040 |
| Net interest income | $1,797,000 | 5,035 |
| Provision for loan and lease losses | $-420,000 | 8,703 |
| Total noninterest income | $159,000 | 6,132 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $133,000 | 4,381 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,282 |
| Total noninterest expense | $1,512,000 | 4,854 |
| Salaries and employee benefits | $827,000 | 4,892 |
| Premises and equipment expense | $311,000 | 3,664 |
| Additional noninterest expense | $374,000 | 5,441 |
| Pre-tax net operating income | $864,000 | 4,144 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $864,000 | 3,555 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $864,000 | 3,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,084 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $864,000 | 3,540 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,156,000 | 5,702 |
| Total interest expense | $332,000 | 6,165 |
| Net interest income | $824,000 | 5,311 |
| Provision for loan and lease losses | $-398,000 | 8,739 |
| Total noninterest income | $74,000 | 6,226 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $63,000 | 4,435 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,462 |
| Total noninterest expense | $842,000 | 4,528 |
| Salaries and employee benefits | $385,000 | 5,144 |
| Premises and equipment expense | $157,000 | 3,643 |
| Additional noninterest expense | $300,000 | 3,896 |
| Pre-tax net operating income | $454,000 | 3,981 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $454,000 | 3,395 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $454,000 | 3,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $454,000 | 3,372 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,028,000 | 5,806 |
| Total interest expense | $854,000 | 6,639 |
| Net interest income | $3,174,000 | 5,327 |
| Provision for loan and lease losses | $-1,113,000 | 8,782 |
| Total noninterest income | $362,000 | 5,936 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $295,000 | 4,221 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $67,000 | 7,015 |
| Total noninterest expense | $3,622,000 | 4,182 |
| Salaries and employee benefits | $1,599,000 | 4,841 |
| Premises and equipment expense | $611,000 | 3,603 |
| Additional noninterest expense | $1,412,000 | 3,388 |
| Pre-tax net operating income | $1,027,000 | 5,285 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,027,000 | 4,768 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,027,000 | 4,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-113,000 | 8,645 |
| Cash dividends | $31,000 | 5,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,027,000 | 4,744 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,898,000 | 5,907 |
| Total interest expense | $590,000 | 6,754 |
| Net interest income | $2,308,000 | 5,436 |
| Provision for loan and lease losses | $-1,099,000 | 8,809 |
| Total noninterest income | $293,000 | 5,815 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $236,000 | 4,086 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,861 |
| Total noninterest expense | $2,755,000 | 4,097 |
| Salaries and employee benefits | $1,191,000 | 4,849 |
| Premises and equipment expense | $454,000 | 3,629 |
| Additional noninterest expense | $1,110,000 | 3,232 |
| Pre-tax net operating income | $945,000 | 4,917 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $945,000 | 4,329 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $945,000 | 4,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-99,000 | 8,628 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $945,000 | 4,273 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,846,000 | 5,979 |
| Total interest expense | $369,000 | 6,781 |
| Net interest income | $1,477,000 | 5,549 |
| Provision for loan and lease losses | $-683,000 | 8,810 |
| Total noninterest income | $198,000 | 5,759 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $163,000 | 3,959 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $35,000 | 6,983 |
| Total noninterest expense | $1,907,000 | 3,964 |
| Salaries and employee benefits | $803,000 | 4,795 |
| Premises and equipment expense | $305,000 | 3,577 |
| Additional noninterest expense | $799,000 | 3,022 |
| Pre-tax net operating income | $451,000 | 5,702 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $451,000 | 5,147 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $451,000 | 5,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 8,583 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $451,000 | 5,094 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $884,000 | 6,092 |
| Total interest expense | $170,000 | 6,918 |
| Net interest income | $714,000 | 5,679 |
| Provision for loan and lease losses | $-55,000 | 8,814 |
| Total noninterest income | $99,000 | 5,706 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $73,000 | 4,143 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,409 |
| Total noninterest expense | $893,000 | 4,193 |
| Salaries and employee benefits | $401,000 | 4,832 |
| Premises and equipment expense | $160,000 | 3,459 |
| Additional noninterest expense | $332,000 | 3,509 |
| Pre-tax net operating income | $-25,000 | 8,514 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-25,000 | 8,538 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-25,000 | 8,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 8,667 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-25,000 | 8,512 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,428,000 | 6,027 |
| Total interest expense | $647,000 | 6,784 |
| Net interest income | $2,781,000 | 5,668 |
| Provision for loan and lease losses | $-4,229,000 | 8,957 |
| Total noninterest income | $469,000 | 5,429 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $330,000 | 4,092 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $139,000 | 5,831 |
| Total noninterest expense | $4,155,000 | 3,625 |
| Salaries and employee benefits | $1,627,000 | 4,682 |
| Premises and equipment expense | $655,000 | 3,299 |
| Additional noninterest expense | $1,873,000 | 2,564 |
| Pre-tax net operating income | $3,324,000 | 2,374 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $3,324,000 | 1,901 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,324,000 | 1,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,069,000 | 8,967 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,324,000 | 1,853 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,531,000 | 6,077 |
| Total interest expense | $492,000 | 6,741 |
| Net interest income | $2,039,000 | 5,735 |
| Provision for loan and lease losses | $-4,124,000 | 9,009 |
| Total noninterest income | $358,000 | 5,410 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $255,000 | 4,053 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $103,000 | 5,858 |
| Total noninterest expense | $3,091,000 | 3,620 |
| Salaries and employee benefits | $1,201,000 | 4,682 |
| Premises and equipment expense | $492,000 | 3,292 |
| Additional noninterest expense | $1,398,000 | 2,539 |
| Pre-tax net operating income | $3,430,000 | 1,835 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $3,430,000 | 1,438 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,430,000 | 1,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-964,000 | 9,012 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,430,000 | 1,392 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,704,000 | 6,066 |
| Total interest expense | $332,000 | 6,746 |
| Net interest income | $1,372,000 | 5,695 |
| Provision for loan and lease losses | $-3,039,000 | 9,063 |
| Total noninterest income | $171,000 | 6,178 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $147,000 | 4,375 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $24,000 | 7,531 |
| Total noninterest expense | $2,144,000 | 3,540 |
| Salaries and employee benefits | $805,000 | 4,700 |
| Premises and equipment expense | $346,000 | 3,164 |
| Additional noninterest expense | $993,000 | 2,397 |
| Pre-tax net operating income | $2,438,000 | 1,732 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $2,438,000 | 1,329 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,438,000 | 1,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-579,000 | 9,058 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,438,000 | 1,282 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $770,000 | 6,402 |
| Total interest expense | $168,000 | 6,778 |
| Net interest income | $602,000 | 6,147 |
| Provision for loan and lease losses | $-726,000 | 9,088 |
| Total noninterest income | $72,000 | 6,518 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $66,000 | 4,552 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $1,029,000 | 3,670 |
| Salaries and employee benefits | $425,000 | 4,532 |
| Premises and equipment expense | $168,000 | 3,278 |
| Additional noninterest expense | $436,000 | 2,678 |
| Pre-tax net operating income | $371,000 | 4,276 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $371,000 | 3,715 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $371,000 | 3,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-316,000 | 9,077 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $371,000 | 3,588 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,013,000 | 5,634 |
| Total interest expense | $1,479,000 | 4,907 |
| Net interest income | $2,534,000 | 5,857 |
| Provision for loan and lease losses | $5,653,000 | 308 |
| Total noninterest income | $1,431,000 | 2,939 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $211,000 | 5,148 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,220,000 | 2,097 |
| Total noninterest expense | $6,167,000 | 2,538 |
| Salaries and employee benefits | $2,139,000 | 3,713 |
| Premises and equipment expense | $684,000 | 3,139 |
| Additional noninterest expense | $3,344,000 | 1,479 |
| Pre-tax net operating income | $-7,855,000 | 9,156 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-7,855,000 | 9,164 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-7,855,000 | 9,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,843,000 | 289 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 250 |
| Net operating income | $-7,855,000 | 9,148 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,301,000 | 5,385 |
| Total interest expense | $1,264,000 | 4,665 |
| Net interest income | $2,037,000 | 5,660 |
| Provision for loan and lease losses | $6,636,000 | 225 |
| Total noninterest income | $349,000 | 5,670 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $154,000 | 5,246 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $195,000 | 4,845 |
| Total noninterest expense | $4,750,000 | 2,481 |
| Salaries and employee benefits | $1,620,000 | 3,670 |
| Premises and equipment expense | $520,000 | 3,116 |
| Additional noninterest expense | $2,610,000 | 1,417 |
| Pre-tax net operating income | $-9,000,000 | 9,218 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-9,000,000 | 9,225 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-9,000,000 | 9,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,886,000 | 237 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-9,000,000 | 9,212 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,357,000 | 5,187 |
| Total interest expense | $946,000 | 4,431 |
| Net interest income | $1,411,000 | 5,525 |
| Provision for loan and lease losses | $7,617,000 | 159 |
| Total noninterest income | $224,000 | 5,751 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $106,000 | 5,131 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $118,000 | 5,021 |
| Total noninterest expense | $3,638,000 | 2,159 |
| Salaries and employee benefits | $1,030,000 | 3,816 |
| Premises and equipment expense | $359,000 | 3,014 |
| Additional noninterest expense | $2,249,000 | 1,124 |
| Pre-tax net operating income | $-9,620,000 | 9,263 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-9,620,000 | 9,263 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-9,620,000 | 9,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,962,000 | 189 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-9,620,000 | 9,253 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,232,000 | 5,064 |
| Total interest expense | $523,000 | 4,196 |
| Net interest income | $709,000 | 5,514 |
| Provision for loan and lease losses | $3,286,000 | 184 |
| Total noninterest income | $141,000 | 5,042 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 4,963 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $86,000 | 4,205 |
| Total noninterest expense | $1,368,000 | 2,808 |
| Salaries and employee benefits | $503,000 | 3,879 |
| Premises and equipment expense | $172,000 | 3,124 |
| Additional noninterest expense | $693,000 | 1,702 |
| Pre-tax net operating income | $-3,804,000 | 9,309 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-3,804,000 | 9,308 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,804,000 | 9,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,556,000 | 184 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-3,804,000 | 9,298 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,992,000 | 4,052 |
| Total interest expense | $3,023,000 | 3,520 |
| Net interest income | $3,969,000 | 4,374 |
| Provision for loan and lease losses | $13,572,000 | 207 |
| Total noninterest income | $377,000 | 5,926 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $308,000 | 4,169 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $69,000 | 7,112 |
| Total noninterest expense | $4,391,000 | 3,290 |
| Salaries and employee benefits | $1,910,000 | 3,891 |
| Premises and equipment expense | $630,000 | 3,264 |
| Additional noninterest expense | $1,851,000 | 2,491 |
| Pre-tax net operating income | $-13,617,000 | 9,338 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-1,820,000 | 9,319 |
| Income before extraordinary items | $-11,797,000 | 9,337 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-11,797,000 | 9,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,702,000 | 208 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-11,797,000 | 9,327 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,774,000 | 3,384 |
| Total interest expense | $4,668,000 | 3,351 |
| Net interest income | $5,106,000 | 3,381 |
| Provision for loan and lease losses | $175,000 | 4,458 |
| Total noninterest income | $369,000 | 5,890 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $316,000 | 4,033 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $53,000 | 7,596 |
| Total noninterest expense | $3,228,000 | 4,098 |
| Salaries and employee benefits | $1,529,000 | 4,448 |
| Premises and equipment expense | $492,000 | 3,925 |
| Additional noninterest expense | $1,207,000 | 3,479 |
| Pre-tax net operating income | $2,072,000 | 3,103 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $661,000 | 2,786 |
| Income before extraordinary items | $1,411,000 | 3,376 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,411,000 | 3,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,593 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 495 |
| Net operating income | $1,411,000 | 3,280 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,316,000 | 3,317 |
| Total interest expense | $4,494,000 | 3,625 |
| Net interest income | $5,822,000 | 3,039 |
| Provision for loan and lease losses | $1,224,000 | 894 |
| Total noninterest income | $427,000 | 5,361 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,257 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 8,576 |
| Total noninterest expense | $2,881,000 | 4,366 |
| Salaries and employee benefits | $1,403,000 | 4,611 |
| Premises and equipment expense | $468,000 | 3,997 |
| Additional noninterest expense | $1,010,000 | 3,969 |
| Pre-tax net operating income | $2,144,000 | 3,145 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $787,000 | 2,554 |
| Income before extraordinary items | $1,357,000 | 3,518 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,357,000 | 3,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 1,962 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,357,000 | 3,507 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,360,000 | 4,217 |
| Total interest expense | $2,912,000 | 4,707 |
| Net interest income | $4,448,000 | 3,826 |
| Provision for loan and lease losses | $213,000 | 3,422 |
| Total noninterest income | $283,000 | 6,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 4,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,669 |
| Total noninterest expense | $2,504,000 | 4,886 |
| Salaries and employee benefits | $1,249,000 | 5,025 |
| Premises and equipment expense | $425,000 | 4,321 |
| Additional noninterest expense | $830,000 | 4,652 |
| Pre-tax net operating income | $2,014,000 | 3,325 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $699,000 | 2,900 |
| Income before extraordinary items | $1,315,000 | 3,612 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,315,000 | 3,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,315,000 | 3,576 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,575,000 | 4,633 |
| Total interest expense | $2,838,000 | 4,916 |
| Net interest income | $3,737,000 | 4,366 |
| Provision for loan and lease losses | $166,000 | 3,953 |
| Total noninterest income | $211,000 | 7,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 5,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,114 |
| Total noninterest expense | $2,085,000 | 5,441 |
| Salaries and employee benefits | $1,006,000 | 5,774 |
| Premises and equipment expense | $373,000 | 4,677 |
| Additional noninterest expense | $706,000 | 5,131 |
| Pre-tax net operating income | $1,697,000 | 3,800 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $571,000 | 3,525 |
| Income before extraordinary items | $1,126,000 | 4,113 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,126,000 | 4,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,698 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,126,000 | 4,026 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,682,000 | 5,277 |
| Total interest expense | $2,410,000 | 5,546 |
| Net interest income | $3,272,000 | 4,973 |
| Provision for loan and lease losses | $196,000 | 3,500 |
| Total noninterest income | $175,000 | 8,204 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,587 |
| Total noninterest expense | $1,868,000 | 5,927 |
| Salaries and employee benefits | $870,000 | 6,439 |
| Premises and equipment expense | $365,000 | 4,751 |
| Additional noninterest expense | $633,000 | 5,600 |
| Pre-tax net operating income | $1,383,000 | 4,757 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $475,000 | 4,368 |
| Income before extraordinary items | $908,000 | 5,022 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $908,000 | 5,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,981 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $908,000 | 4,969 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,832,000 | 6,084 |
| Total interest expense | $2,065,000 | 6,290 |
| Net interest income | $2,767,000 | 5,779 |
| Provision for loan and lease losses | $98,000 | 5,180 |
| Total noninterest income | $117,000 | 9,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 7,407 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,823 |
| Total noninterest expense | $1,720,000 | 6,571 |
| Salaries and employee benefits | $774,000 | 7,116 |
| Premises and equipment expense | $352,000 | 4,999 |
| Additional noninterest expense | $594,000 | 6,388 |
| Pre-tax net operating income | $1,066,000 | 5,519 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $370,000 | 5,140 |
| Income before extraordinary items | $696,000 | 5,776 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $696,000 | 5,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,752 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,600,000 | 328 |
| Net operating income | $696,000 | 5,717 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,441,000 | 6,524 |
| Total interest expense | $2,000,000 | 6,465 |
| Net interest income | $2,441,000 | 6,410 |
| Provision for loan and lease losses | $127,000 | 3,972 |
| Total noninterest income | $101,000 | 10,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,002 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 11,496 |
| Total noninterest expense | $1,534,000 | 7,162 |
| Salaries and employee benefits | $650,000 | 8,065 |
| Premises and equipment expense | $345,000 | 5,075 |
| Additional noninterest expense | $539,000 | 6,952 |
| Pre-tax net operating income | $881,000 | 6,506 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $301,000 | 5,979 |
| Income before extraordinary items | $580,000 | 6,729 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $580,000 | 6,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $580,000 | 6,716 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,754,000 | 8,454 |
| Total interest expense | $1,009,000 | 8,656 |
| Net interest income | $1,745,000 | 8,186 |
| Provision for loan and lease losses | $70,000 | 5,310 |
| Total noninterest income | $99,000 | 10,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 8,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 11,499 |
| Total noninterest expense | $1,357,000 | 8,050 |
| Salaries and employee benefits | $525,000 | 9,161 |
| Premises and equipment expense | $283,000 | 5,959 |
| Additional noninterest expense | $549,000 | 7,428 |
| Pre-tax net operating income | $417,000 | 9,234 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $174,000 | 7,835 |
| Income before extraordinary items | $243,000 | 9,776 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $243,000 | 9,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $243,000 | 9,854 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,707,000 | 10,796 |
| Total interest expense | $577,000 | 11,281 |
| Net interest income | $1,130,000 | 10,294 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $77,000 | 11,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 9,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 12,477 |
| Total noninterest expense | $1,088,000 | 9,369 |
| Salaries and employee benefits | $391,000 | 10,728 |
| Premises and equipment expense | $263,000 | 6,446 |
| Additional noninterest expense | $434,000 | 8,884 |
| Pre-tax net operating income | $19,000 | 12,310 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $19,000 | 12,430 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $19,000 | 12,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 985 |
| Net operating income | $19,000 | 12,297 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $743,000 | 13,426 |
| Total interest expense | $225,000 | 13,665 |
| Net interest income | $518,000 | 13,019 |
| Provision for loan and lease losses | $177,000 | 5,621 |
| Total noninterest income | $22,000 | 13,657 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 11,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 13,771 |
| Total noninterest expense | $711,000 | 11,463 |
| Salaries and employee benefits | $285,000 | 12,188 |
| Premises and equipment expense | $130,000 | 9,690 |
| Additional noninterest expense | $296,000 | 10,876 |
| Pre-tax net operating income | $-348,000 | 13,206 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-348,000 | 13,288 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-348,000 | 13,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 219 |
| Net operating income | $-348,000 | 13,181 |
* 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.