Home > First Brandon National Bank > Income and Expense
First Brandon National Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,577,000 | 5,080 |
| Total interest expense | $507,000 | 5,825 |
| Net interest income | $1,070,000 | 4,500 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $184,000 | 4,205 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $87,000 | 3,734 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $97,000 | 3,813 |
| Total noninterest expense | $849,000 | 4,617 |
| Salaries and employee benefits | $462,000 | 4,697 |
| Premises and equipment expense | $107,000 | 4,842 |
| Additional noninterest expense | $280,000 | 4,164 |
| Pre-tax net operating income | $405,000 | 3,966 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $113,000 | 3,106 |
| Income before extraordinary items | $292,000 | 4,232 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $292,000 | 4,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,204 |
| Cash dividends | $175,000 | 2,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $292,000 | 4,210 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,796,000 | 5,125 |
| Total interest expense | $1,572,000 | 6,000 |
| Net interest income | $4,224,000 | 4,500 |
| Provision for loan and lease losses | $-275,000 | 8,559 |
| Total noninterest income | $789,000 | 4,087 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $378,000 | 3,637 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $411,000 | 3,684 |
| Total noninterest expense | $3,404,000 | 4,484 |
| Salaries and employee benefits | $1,809,000 | 4,595 |
| Premises and equipment expense | $409,000 | 4,852 |
| Additional noninterest expense | $1,186,000 | 3,974 |
| Pre-tax net operating income | $1,884,000 | 3,773 |
| Securities gains (losses) | $9,000 | 1,119 |
| Applicable income taxes | $524,000 | 3,090 |
| Income before extraordinary items | $1,369,000 | 3,978 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,369,000 | 3,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,921 |
| Cash dividends | $440,000 | 3,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,362,520 | 3,968 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,224,000 | 5,201 |
| Total interest expense | $1,073,000 | 6,169 |
| Net interest income | $3,151,000 | 4,553 |
| Provision for loan and lease losses | $-275,000 | 8,637 |
| Total noninterest income | $609,000 | 4,027 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $287,000 | 3,656 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $322,000 | 3,616 |
| Total noninterest expense | $2,563,000 | 4,462 |
| Salaries and employee benefits | $1,345,000 | 4,600 |
| Premises and equipment expense | $312,000 | 4,803 |
| Additional noninterest expense | $906,000 | 3,903 |
| Pre-tax net operating income | $1,472,000 | 3,827 |
| Securities gains (losses) | $9,000 | 918 |
| Applicable income taxes | $409,000 | 3,147 |
| Income before extraordinary items | $1,072,000 | 4,001 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,072,000 | 4,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,785 |
| Cash dividends | $170,000 | 4,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,065,520 | 4,013 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,738,000 | 5,251 |
| Total interest expense | $644,000 | 6,310 |
| Net interest income | $2,094,000 | 4,572 |
| Provision for loan and lease losses | $8,000 | 6,090 |
| Total noninterest income | $399,000 | 4,055 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $190,000 | 3,664 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $209,000 | 3,666 |
| Total noninterest expense | $1,691,000 | 4,503 |
| Salaries and employee benefits | $896,000 | 4,626 |
| Premises and equipment expense | $207,000 | 4,829 |
| Additional noninterest expense | $588,000 | 3,978 |
| Pre-tax net operating income | $794,000 | 4,341 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $218,000 | 3,498 |
| Income before extraordinary items | $576,000 | 4,544 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $576,000 | 4,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $170,000 | 3,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $576,000 | 4,535 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,333,000 | 5,287 |
| Total interest expense | $309,000 | 6,323 |
| Net interest income | $1,024,000 | 4,646 |
| Provision for loan and lease losses | $8,000 | 5,456 |
| Total noninterest income | $195,000 | 4,050 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $89,000 | 3,722 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $106,000 | 3,612 |
| Total noninterest expense | $856,000 | 4,477 |
| Salaries and employee benefits | $462,000 | 4,545 |
| Premises and equipment expense | $108,000 | 4,716 |
| Additional noninterest expense | $286,000 | 4,046 |
| Pre-tax net operating income | $355,000 | 4,557 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $91,000 | 3,722 |
| Income before extraordinary items | $264,000 | 4,735 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $264,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $264,000 | 4,715 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,297,000 | 4,973 |
| Total interest expense | $970,000 | 6,351 |
| Net interest income | $4,327,000 | 4,387 |
| Provision for loan and lease losses | $130,000 | 4,334 |
| Total noninterest income | $782,000 | 4,097 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $377,000 | 3,687 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $405,000 | 3,766 |
| Total noninterest expense | $3,234,000 | 4,541 |
| Salaries and employee benefits | $1,724,000 | 4,615 |
| Premises and equipment expense | $427,000 | 4,653 |
| Additional noninterest expense | $1,083,000 | 4,152 |
| Pre-tax net operating income | $1,745,000 | 4,024 |
| Securities gains (losses) | $-6,000 | 7,363 |
| Applicable income taxes | $485,000 | 3,418 |
| Income before extraordinary items | $1,254,000 | 4,239 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,254,000 | 4,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 2,953 |
| Cash dividends | $480,000 | 3,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,258,320 | 4,208 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,906,000 | 4,999 |
| Total interest expense | $679,000 | 6,438 |
| Net interest income | $3,227,000 | 4,419 |
| Provision for loan and lease losses | $122,000 | 3,852 |
| Total noninterest income | $592,000 | 4,084 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $280,000 | 3,723 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $312,000 | 3,735 |
| Total noninterest expense | $2,438,000 | 4,504 |
| Salaries and employee benefits | $1,290,000 | 4,601 |
| Premises and equipment expense | $321,000 | 4,627 |
| Additional noninterest expense | $827,000 | 4,077 |
| Pre-tax net operating income | $1,259,000 | 4,191 |
| Securities gains (losses) | $-6,000 | 7,744 |
| Applicable income taxes | $344,000 | 3,556 |
| Income before extraordinary items | $909,000 | 4,431 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $909,000 | 4,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,321 |
| Cash dividends | $300,000 | 3,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $913,380 | 4,380 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,556,000 | 4,993 |
| Total interest expense | $417,000 | 6,506 |
| Net interest income | $2,139,000 | 4,409 |
| Provision for loan and lease losses | $115,000 | 3,168 |
| Total noninterest income | $383,000 | 4,155 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $176,000 | 3,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $207,000 | 3,704 |
| Total noninterest expense | $1,641,000 | 4,458 |
| Salaries and employee benefits | $854,000 | 4,597 |
| Premises and equipment expense | $214,000 | 4,590 |
| Additional noninterest expense | $573,000 | 3,937 |
| Pre-tax net operating income | $766,000 | 4,384 |
| Securities gains (losses) | $-6,000 | 7,982 |
| Applicable income taxes | $201,000 | 3,781 |
| Income before extraordinary items | $559,000 | 4,606 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $559,000 | 4,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,666 |
| Cash dividends | $150,000 | 3,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $563,440 | 4,534 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,268,000 | 5,005 |
| Total interest expense | $200,000 | 6,544 |
| Net interest income | $1,068,000 | 4,413 |
| Provision for loan and lease losses | $8,000 | 5,590 |
| Total noninterest income | $186,000 | 4,166 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $82,000 | 3,875 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $104,000 | 3,652 |
| Total noninterest expense | $818,000 | 4,490 |
| Salaries and employee benefits | $433,000 | 4,567 |
| Premises and equipment expense | $109,000 | 4,578 |
| Additional noninterest expense | $276,000 | 4,053 |
| Pre-tax net operating income | $428,000 | 4,088 |
| Securities gains (losses) | $-6,000 | 8,424 |
| Applicable income taxes | $123,000 | 3,424 |
| Income before extraordinary items | $299,000 | 4,383 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $299,000 | 4,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $75,000 | 3,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $303,260 | 4,307 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,904,000 | 4,909 |
| Total interest expense | $763,000 | 6,375 |
| Net interest income | $4,141,000 | 4,371 |
| Provision for loan and lease losses | $30,000 | 6,416 |
| Total noninterest income | $717,000 | 4,326 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $320,000 | 4,178 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $397,000 | 3,733 |
| Total noninterest expense | $3,185,000 | 4,470 |
| Salaries and employee benefits | $1,667,000 | 4,589 |
| Premises and equipment expense | $400,000 | 4,762 |
| Additional noninterest expense | $1,118,000 | 3,972 |
| Pre-tax net operating income | $1,643,000 | 4,025 |
| Securities gains (losses) | $-138,000 | 8,768 |
| Applicable income taxes | $391,000 | 3,756 |
| Income before extraordinary items | $1,114,000 | 4,399 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,114,000 | 4,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,425 |
| Cash dividends | $280,000 | 4,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,216,120 | 4,103 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,647,000 | 4,924 |
| Total interest expense | $567,000 | 6,378 |
| Net interest income | $3,080,000 | 4,384 |
| Provision for loan and lease losses | $22,000 | 6,263 |
| Total noninterest income | $515,000 | 4,454 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $288,000 | 3,763 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $227,000 | 4,253 |
| Total noninterest expense | $2,372,000 | 4,465 |
| Salaries and employee benefits | $1,296,000 | 4,426 |
| Premises and equipment expense | $288,000 | 4,890 |
| Additional noninterest expense | $788,000 | 4,129 |
| Pre-tax net operating income | $1,201,000 | 4,150 |
| Securities gains (losses) | $-3,000 | 8,248 |
| Applicable income taxes | $355,000 | 3,499 |
| Income before extraordinary items | $843,000 | 4,470 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $843,000 | 4,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $210,000 | 3,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $845,100 | 4,381 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,405,000 | 4,974 |
| Total interest expense | $387,000 | 6,368 |
| Net interest income | $2,018,000 | 4,448 |
| Provision for loan and lease losses | $15,000 | 6,089 |
| Total noninterest income | $339,000 | 4,498 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $182,000 | 3,874 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $157,000 | 4,218 |
| Total noninterest expense | $1,563,000 | 4,530 |
| Salaries and employee benefits | $856,000 | 4,492 |
| Premises and equipment expense | $189,000 | 4,954 |
| Additional noninterest expense | $518,000 | 4,196 |
| Pre-tax net operating income | $779,000 | 4,187 |
| Securities gains (losses) | $-3,000 | 8,495 |
| Applicable income taxes | $226,000 | 3,556 |
| Income before extraordinary items | $550,000 | 4,480 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $550,000 | 4,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,183 |
| Cash dividends | $140,000 | 3,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $552,130 | 4,382 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,203,000 | 4,986 |
| Total interest expense | $201,000 | 6,338 |
| Net interest income | $1,002,000 | 4,473 |
| Provision for loan and lease losses | $7,000 | 5,890 |
| Total noninterest income | $164,000 | 4,549 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $87,000 | 3,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $77,000 | 4,245 |
| Total noninterest expense | $721,000 | 4,823 |
| Salaries and employee benefits | $426,000 | 4,519 |
| Premises and equipment expense | $92,000 | 5,093 |
| Additional noninterest expense | $203,000 | 5,026 |
| Pre-tax net operating income | $438,000 | 3,845 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $129,000 | 3,364 |
| Income before extraordinary items | $309,000 | 4,187 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $309,000 | 4,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,115 |
| Cash dividends | $70,000 | 3,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $309,000 | 4,064 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,586,000 | 5,179 |
| Total interest expense | $1,082,000 | 5,889 |
| Net interest income | $3,504,000 | 4,794 |
| Provision for loan and lease losses | $90,000 | 5,469 |
| Total noninterest income | $662,000 | 4,697 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $332,000 | 4,074 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $330,000 | 4,311 |
| Total noninterest expense | $2,681,000 | 4,966 |
| Salaries and employee benefits | $1,632,000 | 4,571 |
| Premises and equipment expense | $328,000 | 5,388 |
| Additional noninterest expense | $721,000 | 5,405 |
| Pre-tax net operating income | $1,395,000 | 4,316 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $410,000 | 3,728 |
| Income before extraordinary items | $985,000 | 4,683 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $985,000 | 4,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,630 |
| Cash dividends | $260,000 | 4,580 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $985,000 | 4,515 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,405,000 | 5,267 |
| Total interest expense | $867,000 | 5,837 |
| Net interest income | $2,538,000 | 4,918 |
| Provision for loan and lease losses | $67,000 | 5,386 |
| Total noninterest income | $507,000 | 4,711 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $250,000 | 4,093 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $257,000 | 4,333 |
| Total noninterest expense | $1,981,000 | 5,015 |
| Salaries and employee benefits | $1,223,000 | 4,556 |
| Premises and equipment expense | $233,000 | 5,546 |
| Additional noninterest expense | $525,000 | 5,482 |
| Pre-tax net operating income | $997,000 | 4,548 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $291,000 | 3,973 |
| Income before extraordinary items | $706,000 | 4,978 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $706,000 | 4,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $195,000 | 4,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $706,000 | 4,780 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,293,000 | 5,282 |
| Total interest expense | $616,000 | 5,754 |
| Net interest income | $1,677,000 | 4,942 |
| Provision for loan and lease losses | $45,000 | 5,281 |
| Total noninterest income | $329,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $162,000 | 4,116 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $167,000 | 4,364 |
| Total noninterest expense | $1,316,000 | 5,016 |
| Salaries and employee benefits | $800,000 | 4,602 |
| Premises and equipment expense | $157,000 | 5,505 |
| Additional noninterest expense | $359,000 | 5,388 |
| Pre-tax net operating income | $645,000 | 4,642 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $190,000 | 4,074 |
| Income before extraordinary items | $455,000 | 5,057 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $455,000 | 5,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,430 |
| Cash dividends | $130,000 | 3,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $455,000 | 4,850 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,161,000 | 5,260 |
| Total interest expense | $330,000 | 5,638 |
| Net interest income | $831,000 | 4,957 |
| Provision for loan and lease losses | $23,000 | 5,064 |
| Total noninterest income | $155,000 | 4,810 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $79,000 | 4,109 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $76,000 | 4,450 |
| Total noninterest expense | $665,000 | 4,982 |
| Salaries and employee benefits | $396,000 | 4,643 |
| Premises and equipment expense | $76,000 | 5,602 |
| Additional noninterest expense | $193,000 | 5,097 |
| Pre-tax net operating income | $298,000 | 4,806 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $85,000 | 4,242 |
| Income before extraordinary items | $213,000 | 5,162 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $213,000 | 5,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,410 |
| Cash dividends | $65,000 | 3,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $213,000 | 4,968 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,074,000 | 5,128 |
| Total interest expense | $1,565,000 | 5,596 |
| Net interest income | $3,509,000 | 4,745 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $622,000 | 4,635 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $305,000 | 4,190 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $317,000 | 4,135 |
| Total noninterest expense | $2,601,000 | 4,949 |
| Salaries and employee benefits | $1,528,000 | 4,635 |
| Premises and equipment expense | $300,000 | 5,581 |
| Additional noninterest expense | $773,000 | 5,056 |
| Pre-tax net operating income | $1,410,000 | 4,265 |
| Securities gains (losses) | $-16,000 | 8,963 |
| Applicable income taxes | $432,000 | 3,739 |
| Income before extraordinary items | $962,000 | 4,699 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $962,000 | 4,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,757 |
| Cash dividends | $245,000 | 4,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $973,040 | 4,547 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,386,000 | 5,354 |
| Total interest expense | $2,149,000 | 5,883 |
| Net interest income | $3,237,000 | 4,804 |
| Provision for loan and lease losses | $200,000 | 4,117 |
| Total noninterest income | $476,000 | 5,201 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $295,000 | 4,200 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $181,000 | 5,151 |
| Total noninterest expense | $2,452,000 | 5,017 |
| Salaries and employee benefits | $1,377,000 | 4,819 |
| Premises and equipment expense | $339,000 | 5,149 |
| Additional noninterest expense | $736,000 | 5,087 |
| Pre-tax net operating income | $1,061,000 | 4,751 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $306,000 | 4,218 |
| Income before extraordinary items | $757,000 | 5,026 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $757,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,444 |
| Cash dividends | $240,000 | 4,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $755,580 | 4,922 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,376,000 | 5,475 |
| Total interest expense | $2,141,000 | 6,069 |
| Net interest income | $3,235,000 | 4,882 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $429,000 | 5,347 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 3,907 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 6,143 |
| Total noninterest expense | $2,452,000 | 4,928 |
| Salaries and employee benefits | $1,319,000 | 4,855 |
| Premises and equipment expense | $338,000 | 5,063 |
| Additional noninterest expense | $795,000 | 4,766 |
| Pre-tax net operating income | $1,092,000 | 5,021 |
| Securities gains (losses) | $-20,000 | 8,739 |
| Applicable income taxes | $317,000 | 4,472 |
| Income before extraordinary items | $755,000 | 5,221 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $755,000 | 5,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,164 |
| Cash dividends | $185,000 | 5,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $769,000 | 5,153 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,136,000 | 5,472 |
| Total interest expense | $2,076,000 | 5,871 |
| Net interest income | $3,060,000 | 5,090 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $370,000 | 5,837 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,124 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,013 |
| Total noninterest expense | $2,565,000 | 4,780 |
| Salaries and employee benefits | $1,253,000 | 5,010 |
| Premises and equipment expense | $399,000 | 4,545 |
| Additional noninterest expense | $913,000 | 4,329 |
| Pre-tax net operating income | $745,000 | 6,150 |
| Securities gains (losses) | $-63,000 | 9,848 |
| Applicable income taxes | $181,000 | 5,913 |
| Income before extraordinary items | $501,000 | 6,433 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $501,000 | 6,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,233 |
| Cash dividends | $155,000 | 5,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $546,990 | 6,164 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,131,000 | 5,588 |
| Total interest expense | $2,183,000 | 5,865 |
| Net interest income | $2,948,000 | 5,190 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $321,000 | 6,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,249 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,161 |
| Total noninterest expense | $2,559,000 | 4,693 |
| Salaries and employee benefits | $1,263,000 | 4,877 |
| Premises and equipment expense | $375,000 | 4,654 |
| Additional noninterest expense | $921,000 | 4,216 |
| Pre-tax net operating income | $470,000 | 7,531 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $108,000 | 7,408 |
| Income before extraordinary items | $362,000 | 7,469 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $362,000 | 7,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 2,016 |
| Cash dividends | $135,000 | 5,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $362,000 | 7,383 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,180,000 | 5,651 |
| Total interest expense | $2,199,000 | 5,887 |
| Net interest income | $2,981,000 | 5,330 |
| Provision for loan and lease losses | $500,000 | 1,761 |
| Total noninterest income | $288,000 | 6,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 4,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,689 |
| Total noninterest expense | $2,482,000 | 4,804 |
| Salaries and employee benefits | $1,176,000 | 5,187 |
| Premises and equipment expense | $376,000 | 4,655 |
| Additional noninterest expense | $930,000 | 4,181 |
| Pre-tax net operating income | $287,000 | 9,064 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $79,000 | 8,756 |
| Income before extraordinary items | $208,000 | 9,085 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $208,000 | 9,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,708 |
| Cash dividends | $145,000 | 5,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $208,000 | 9,047 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,928,000 | 6,007 |
| Total interest expense | $2,252,000 | 5,936 |
| Net interest income | $2,676,000 | 5,919 |
| Provision for loan and lease losses | $70,000 | 5,840 |
| Total noninterest income | $275,000 | 7,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $220,000 | 5,226 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,673 |
| Total noninterest expense | $2,436,000 | 5,110 |
| Salaries and employee benefits | $1,086,000 | 5,635 |
| Premises and equipment expense | $369,000 | 4,844 |
| Additional noninterest expense | $981,000 | 4,473 |
| Pre-tax net operating income | $445,000 | 8,241 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $131,000 | 8,193 |
| Income before extraordinary items | $314,000 | 8,307 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $314,000 | 8,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,615 |
| Cash dividends | $120,000 | 6,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $314,000 | 8,242 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,839,000 | 6,140 |
| Total interest expense | $2,244,000 | 5,986 |
| Net interest income | $2,595,000 | 6,133 |
| Provision for loan and lease losses | $15,000 | 7,935 |
| Total noninterest income | $311,000 | 6,956 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,518 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,205 |
| Total noninterest expense | $2,198,000 | 5,569 |
| Salaries and employee benefits | $1,077,000 | 5,695 |
| Premises and equipment expense | $347,000 | 5,054 |
| Additional noninterest expense | $774,000 | 5,401 |
| Pre-tax net operating income | $693,000 | 7,357 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $210,000 | 7,262 |
| Income before extraordinary items | $483,000 | 7,378 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $483,000 | 7,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,995 |
| Cash dividends | $146,000 | 6,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $483,000 | 7,341 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,384,000 | 6,274 |
| Total interest expense | $1,573,000 | 6,676 |
| Net interest income | $2,811,000 | 5,885 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $236,000 | 8,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,828 |
| Total noninterest expense | $2,027,000 | 6,130 |
| Salaries and employee benefits | $996,000 | 6,106 |
| Premises and equipment expense | $257,000 | 6,405 |
| Additional noninterest expense | $774,000 | 5,860 |
| Pre-tax net operating income | $960,000 | 6,118 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $319,000 | 5,646 |
| Income before extraordinary items | $641,000 | 6,274 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $641,000 | 6,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,515 |
| Cash dividends | $130,000 | 6,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $641,000 | 6,338 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,354,000 | 6,465 |
| Total interest expense | $1,732,000 | 6,530 |
| Net interest income | $2,622,000 | 6,313 |
| Provision for loan and lease losses | $180,000 | 4,132 |
| Total noninterest income | $223,000 | 8,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,919 |
| Total noninterest expense | $1,946,000 | 6,478 |
| Salaries and employee benefits | $919,000 | 6,604 |
| Premises and equipment expense | $227,000 | 7,148 |
| Additional noninterest expense | $800,000 | 5,927 |
| Pre-tax net operating income | $719,000 | 7,261 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $231,000 | 7,089 |
| Income before extraordinary items | $488,000 | 7,654 |
| Extraordinary gains, net | $35,000 | 2,385 |
| Net income | $523,000 | 7,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 4,097 |
| Cash dividends | $78,000 | 7,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $488,000 | 7,400 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,671,000 | 6,709 |
| Total interest expense | $2,376,000 | 6,234 |
| Net interest income | $2,295,000 | 7,018 |
| Provision for loan and lease losses | $395,000 | 3,502 |
| Total noninterest income | $209,000 | 9,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,724 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,778 |
| Total noninterest expense | $1,681,000 | 7,311 |
| Salaries and employee benefits | $817,000 | 7,153 |
| Premises and equipment expense | $217,000 | 7,459 |
| Additional noninterest expense | $647,000 | 7,125 |
| Pre-tax net operating income | $428,000 | 8,984 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $122,000 | 9,301 |
| Income before extraordinary items | $306,000 | 9,233 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $306,000 | 9,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $399,000 | 2,828 |
| Cash dividends | $65,000 | 7,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $306,000 | 8,863 |
* 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.