Home > First Nation Bank > Income and Expense
First Nation Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,814,000 | 1,365 |
| Total interest expense | $6,550,000 | 1,532 |
| Net interest income | $9,264,000 | 1,233 |
| Provision for loan and lease losses | $2,758,000 | 255 |
| Total noninterest income | $2,255,000 | 1,213 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,860,000 | 468 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $395,000 | 2,595 |
| Total noninterest expense | $6,538,000 | 1,415 |
| Salaries and employee benefits | $3,235,000 | 1,586 |
| Premises and equipment expense | $803,000 | 1,653 |
| Additional noninterest expense | $2,500,000 | 1,117 |
| Pre-tax net operating income | $2,223,000 | 1,981 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $700,000 | 1,657 |
| Income before extraordinary items | $1,523,000 | 2,184 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,523,000 | 2,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $964,000 | 458 |
| Cash dividends | $2,753,000 | 695 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 778 |
| Net operating income | $1,523,000 | 2,163 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,906,000 | 1,351 |
| Total interest expense | $3,294,000 | 1,509 |
| Net interest income | $4,612,000 | 1,235 |
| Provision for loan and lease losses | $378,000 | 656 |
| Total noninterest income | $1,167,000 | 1,163 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $923,000 | 452 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $244,000 | 2,253 |
| Total noninterest expense | $3,235,000 | 1,435 |
| Salaries and employee benefits | $1,587,000 | 1,638 |
| Premises and equipment expense | $418,000 | 1,602 |
| Additional noninterest expense | $1,230,000 | 1,106 |
| Pre-tax net operating income | $2,166,000 | 1,078 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $771,000 | 898 |
| Income before extraordinary items | $1,395,000 | 1,258 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,395,000 | 1,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 872 |
| Cash dividends | $750,000 | 1,020 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 670 |
| Net operating income | $1,395,000 | 1,238 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $31,764,000 | 1,235 |
| Total interest expense | $10,971,000 | 1,543 |
| Net interest income | $20,793,000 | 1,067 |
| Provision for loan and lease losses | $1,635,000 | 671 |
| Total noninterest income | $5,309,000 | 1,040 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $4,045,000 | 426 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,264,000 | 1,887 |
| Total noninterest expense | $13,564,000 | 1,322 |
| Salaries and employee benefits | $6,727,000 | 1,471 |
| Premises and equipment expense | $1,360,000 | 1,851 |
| Additional noninterest expense | $5,477,000 | 969 |
| Pre-tax net operating income | $10,903,000 | 909 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $3,962,000 | 764 |
| Income before extraordinary items | $6,941,000 | 1,075 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,941,000 | 1,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,491,000 | 488 |
| Cash dividends | $8,179,000 | 460 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 938 |
| Net operating income | $6,941,000 | 1,061 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $23,548,000 | 1,246 |
| Total interest expense | $7,794,000 | 1,578 |
| Net interest income | $15,754,000 | 1,079 |
| Provision for loan and lease losses | $1,600,000 | 496 |
| Total noninterest income | $3,922,000 | 1,063 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $3,054,000 | 427 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $868,000 | 2,017 |
| Total noninterest expense | $9,860,000 | 1,372 |
| Salaries and employee benefits | $5,126,000 | 1,446 |
| Premises and equipment expense | $995,000 | 1,908 |
| Additional noninterest expense | $3,739,000 | 1,085 |
| Pre-tax net operating income | $8,216,000 | 940 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,967,000 | 797 |
| Income before extraordinary items | $5,249,000 | 1,100 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,249,000 | 1,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $991,000 | 468 |
| Cash dividends | $6,429,000 | 413 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 797 |
| Net operating income | $5,249,000 | 1,089 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $15,341,000 | 1,257 |
| Total interest expense | $4,915,000 | 1,590 |
| Net interest income | $10,426,000 | 1,083 |
| Provision for loan and lease losses | $925,000 | 553 |
| Total noninterest income | $2,582,000 | 1,073 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,015,000 | 423 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $567,000 | 2,038 |
| Total noninterest expense | $6,556,000 | 1,378 |
| Salaries and employee benefits | $3,404,000 | 1,453 |
| Premises and equipment expense | $645,000 | 1,957 |
| Additional noninterest expense | $2,507,000 | 1,090 |
| Pre-tax net operating income | $5,527,000 | 930 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,014,000 | 792 |
| Income before extraordinary items | $3,513,000 | 1,093 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,513,000 | 1,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $464,000 | 603 |
| Cash dividends | $4,046,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 687 |
| Net operating income | $3,513,000 | 1,082 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,348,000 | 1,287 |
| Total interest expense | $2,329,000 | 1,581 |
| Net interest income | $5,019,000 | 1,120 |
| Provision for loan and lease losses | $485,000 | 499 |
| Total noninterest income | $1,237,000 | 1,092 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $981,000 | 419 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $256,000 | 2,164 |
| Total noninterest expense | $3,214,000 | 1,406 |
| Salaries and employee benefits | $1,690,000 | 1,471 |
| Premises and equipment expense | $298,000 | 2,117 |
| Additional noninterest expense | $1,226,000 | 1,096 |
| Pre-tax net operating income | $2,557,000 | 979 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $944,000 | 824 |
| Income before extraordinary items | $1,613,000 | 1,159 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,613,000 | 1,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 586 |
| Cash dividends | $1,662,000 | 483 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 505 |
| Net operating income | $1,613,000 | 1,140 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $23,955,000 | 1,397 |
| Total interest expense | $4,485,000 | 2,418 |
| Net interest income | $19,470,000 | 1,115 |
| Provision for loan and lease losses | $1,259,000 | 837 |
| Total noninterest income | $5,083,000 | 1,074 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $4,066,000 | 418 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,017,000 | 2,191 |
| Total noninterest expense | $12,078,000 | 1,425 |
| Salaries and employee benefits | $6,144,000 | 1,525 |
| Premises and equipment expense | $1,293,000 | 1,867 |
| Additional noninterest expense | $4,641,000 | 1,102 |
| Pre-tax net operating income | $11,216,000 | 886 |
| Securities gains (losses) | $92,000 | 728 |
| Applicable income taxes | $4,147,000 | 753 |
| Income before extraordinary items | $7,161,000 | 1,014 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,161,000 | 1,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,344,000 | 544 |
| Cash dividends | $5,475,000 | 616 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,102,120 | 1,001 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $17,198,000 | 1,413 |
| Total interest expense | $4,539,000 | 1,767 |
| Net interest income | $12,659,000 | 1,273 |
| Provision for loan and lease losses | $879,000 | 861 |
| Total noninterest income | $3,785,000 | 1,088 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,064,000 | 414 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $721,000 | 2,279 |
| Total noninterest expense | $8,975,000 | 1,425 |
| Salaries and employee benefits | $4,656,000 | 1,501 |
| Premises and equipment expense | $975,000 | 1,849 |
| Additional noninterest expense | $3,344,000 | 1,126 |
| Pre-tax net operating income | $6,590,000 | 1,094 |
| Securities gains (losses) | $92,000 | 685 |
| Applicable income taxes | $2,410,000 | 931 |
| Income before extraordinary items | $4,272,000 | 1,265 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,272,000 | 1,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $800,000 | 582 |
| Cash dividends | $3,475,000 | 647 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,213,120 | 1,267 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,061,000 | 1,421 |
| Total interest expense | $2,856,000 | 1,776 |
| Net interest income | $8,205,000 | 1,310 |
| Provision for loan and lease losses | $569,000 | 875 |
| Total noninterest income | $2,480,000 | 1,081 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,991,000 | 416 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $489,000 | 2,224 |
| Total noninterest expense | $6,059,000 | 1,406 |
| Salaries and employee benefits | $3,180,000 | 1,449 |
| Premises and equipment expense | $652,000 | 1,841 |
| Additional noninterest expense | $2,227,000 | 1,116 |
| Pre-tax net operating income | $4,057,000 | 1,149 |
| Securities gains (losses) | $92,000 | 598 |
| Applicable income taxes | $1,480,000 | 967 |
| Income before extraordinary items | $2,669,000 | 1,317 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,669,000 | 1,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 969 |
| Cash dividends | $2,475,000 | 602 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,610,120 | 1,320 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,409,000 | 1,423 |
| Total interest expense | $1,336,000 | 1,786 |
| Net interest income | $4,073,000 | 1,313 |
| Provision for loan and lease losses | $380,000 | 617 |
| Total noninterest income | $1,217,000 | 1,077 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $945,000 | 427 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $272,000 | 2,017 |
| Total noninterest expense | $3,020,000 | 1,401 |
| Salaries and employee benefits | $1,631,000 | 1,410 |
| Premises and equipment expense | $328,000 | 1,831 |
| Additional noninterest expense | $1,061,000 | 1,152 |
| Pre-tax net operating income | $1,890,000 | 1,208 |
| Securities gains (losses) | $92,000 | 388 |
| Applicable income taxes | $698,000 | 1,012 |
| Income before extraordinary items | $1,284,000 | 1,348 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,284,000 | 1,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,934 |
| Cash dividends | $1,475,000 | 486 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,224,200 | 1,366 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,464,000 | 1,400 |
| Total interest expense | $3,991,000 | 2,042 |
| Net interest income | $16,473,000 | 1,224 |
| Provision for loan and lease losses | $203,000 | 3,657 |
| Total noninterest income | $5,332,000 | 1,029 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $4,436,000 | 391 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $896,000 | 2,305 |
| Total noninterest expense | $12,902,000 | 1,275 |
| Salaries and employee benefits | $6,858,000 | 1,282 |
| Premises and equipment expense | $1,265,000 | 1,816 |
| Additional noninterest expense | $4,779,000 | 1,047 |
| Pre-tax net operating income | $8,700,000 | 1,000 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,077,000 | 888 |
| Income before extraordinary items | $5,623,000 | 1,167 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,623,000 | 1,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $725,000 | 973 |
| Cash dividends | $5,900,000 | 539 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,623,000 | 1,135 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,282,000 | 1,381 |
| Total interest expense | $2,870,000 | 2,088 |
| Net interest income | $12,412,000 | 1,201 |
| Provision for loan and lease losses | $-228,000 | 8,932 |
| Total noninterest income | $3,958,000 | 1,046 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,320,000 | 394 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $638,000 | 2,412 |
| Total noninterest expense | $9,950,000 | 1,229 |
| Salaries and employee benefits | $5,334,000 | 1,229 |
| Premises and equipment expense | $976,000 | 1,778 |
| Additional noninterest expense | $3,640,000 | 1,014 |
| Pre-tax net operating income | $6,648,000 | 994 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,351,000 | 896 |
| Income before extraordinary items | $4,297,000 | 1,148 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,297,000 | 1,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $359,000 | 1,265 |
| Cash dividends | $3,575,000 | 609 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,297,000 | 1,109 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,056,000 | 1,382 |
| Total interest expense | $1,927,000 | 2,054 |
| Net interest income | $8,129,000 | 1,216 |
| Provision for loan and lease losses | $497,000 | 1,010 |
| Total noninterest income | $2,634,000 | 1,040 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,219,000 | 390 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $415,000 | 2,453 |
| Total noninterest expense | $6,859,000 | 1,175 |
| Salaries and employee benefits | $3,712,000 | 1,175 |
| Premises and equipment expense | $643,000 | 1,793 |
| Additional noninterest expense | $2,504,000 | 989 |
| Pre-tax net operating income | $3,407,000 | 1,253 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,166,000 | 1,136 |
| Income before extraordinary items | $2,241,000 | 1,440 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,241,000 | 1,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 1,001 |
| Cash dividends | $1,250,000 | 1,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,241,000 | 1,389 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,000,000 | 1,389 |
| Total interest expense | $1,007,000 | 1,976 |
| Net interest income | $3,993,000 | 1,246 |
| Provision for loan and lease losses | $255,000 | 932 |
| Total noninterest income | $1,192,000 | 1,099 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,093,000 | 393 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $99,000 | 3,738 |
| Total noninterest expense | $3,254,000 | 1,251 |
| Salaries and employee benefits | $1,906,000 | 1,147 |
| Premises and equipment expense | $326,000 | 1,794 |
| Additional noninterest expense | $1,022,000 | 1,177 |
| Pre-tax net operating income | $1,676,000 | 1,264 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $576,000 | 1,169 |
| Income before extraordinary items | $1,100,000 | 1,462 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,100,000 | 1,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,115 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,100,000 | 1,384 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,423,000 | 1,737 |
| Total interest expense | $3,375,000 | 2,582 |
| Net interest income | $13,048,000 | 1,492 |
| Provision for loan and lease losses | $1,545,000 | 800 |
| Total noninterest income | $3,973,000 | 1,351 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,527,000 | 489 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $446,000 | 3,773 |
| Total noninterest expense | $10,576,000 | 1,511 |
| Salaries and employee benefits | $5,588,000 | 1,538 |
| Premises and equipment expense | $1,259,000 | 1,812 |
| Additional noninterest expense | $3,729,000 | 1,332 |
| Pre-tax net operating income | $4,900,000 | 1,665 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,621,000 | 1,512 |
| Income before extraordinary items | $3,279,000 | 1,887 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,279,000 | 1,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,638 |
| Cash dividends | $2,000,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,279,000 | 1,805 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,351,000 | 1,905 |
| Total interest expense | $2,334,000 | 2,861 |
| Net interest income | $9,017,000 | 1,625 |
| Provision for loan and lease losses | $1,290,000 | 723 |
| Total noninterest income | $2,737,000 | 1,483 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,464,000 | 528 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $273,000 | 4,203 |
| Total noninterest expense | $7,274,000 | 1,666 |
| Salaries and employee benefits | $3,893,000 | 1,670 |
| Premises and equipment expense | $883,000 | 1,942 |
| Additional noninterest expense | $2,498,000 | 1,475 |
| Pre-tax net operating income | $3,190,000 | 1,946 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,065,000 | 1,768 |
| Income before extraordinary items | $2,125,000 | 2,199 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,125,000 | 2,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,282 |
| Cash dividends | $1,000,000 | 1,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,125,000 | 2,088 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,572,000 | 2,220 |
| Total interest expense | $1,315,000 | 3,411 |
| Net interest income | $5,257,000 | 1,862 |
| Provision for loan and lease losses | $324,000 | 1,698 |
| Total noninterest income | $1,591,000 | 1,646 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,408,000 | 602 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $183,000 | 4,189 |
| Total noninterest expense | $4,334,000 | 1,822 |
| Salaries and employee benefits | $2,386,000 | 1,801 |
| Premises and equipment expense | $508,000 | 2,224 |
| Additional noninterest expense | $1,440,000 | 1,671 |
| Pre-tax net operating income | $2,190,000 | 1,892 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $715,000 | 1,786 |
| Income before extraordinary items | $1,475,000 | 2,141 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,475,000 | 2,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,475,000 | 2,020 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,702,000 | 4,018 |
| Total interest expense | $485,000 | 4,430 |
| Net interest income | $1,217,000 | 3,776 |
| Provision for loan and lease losses | $80,000 | 2,724 |
| Total noninterest income | $367,000 | 2,823 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $315,000 | 1,328 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $52,000 | 5,197 |
| Total noninterest expense | $931,000 | 3,887 |
| Salaries and employee benefits | $549,000 | 3,611 |
| Premises and equipment expense | $126,000 | 4,003 |
| Additional noninterest expense | $256,000 | 4,131 |
| Pre-tax net operating income | $573,000 | 3,189 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $188,000 | 2,807 |
| Income before extraordinary items | $385,000 | 3,567 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $385,000 | 3,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $385,000 | 3,388 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,466,000 | 1,432 |
| Total interest expense | $6,316,000 | 1,807 |
| Net interest income | $15,150,000 | 1,275 |
| Provision for loan and lease losses | $1,538,000 | 929 |
| Total noninterest income | $4,813,000 | 1,090 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $4,057,000 | 403 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $756,000 | 2,590 |
| Total noninterest expense | $11,707,000 | 1,320 |
| Salaries and employee benefits | $6,203,000 | 1,319 |
| Premises and equipment expense | $2,088,000 | 1,061 |
| Additional noninterest expense | $3,416,000 | 1,384 |
| Pre-tax net operating income | $6,718,000 | 1,252 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,085,000 | 1,242 |
| Income before extraordinary items | $4,633,000 | 1,347 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,633,000 | 1,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $407,000 | 1,913 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,633,000 | 1,294 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,662,000 | 1,444 |
| Total interest expense | $9,564,000 | 1,700 |
| Net interest income | $14,098,000 | 1,261 |
| Provision for loan and lease losses | $1,601,000 | 850 |
| Total noninterest income | $4,733,000 | 1,041 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $3,216,000 | 469 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,517,000 | 1,508 |
| Total noninterest expense | $12,276,000 | 1,198 |
| Salaries and employee benefits | $6,350,000 | 1,168 |
| Premises and equipment expense | $2,524,000 | 831 |
| Additional noninterest expense | $3,402,000 | 1,382 |
| Pre-tax net operating income | $4,954,000 | 1,449 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,401,000 | 1,601 |
| Income before extraordinary items | $3,553,000 | 1,510 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,553,000 | 1,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $899,000 | 1,013 |
| Cash dividends | $116,000 | 5,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,553,000 | 1,448 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,537,000 | 1,419 |
| Total interest expense | $9,810,000 | 1,750 |
| Net interest income | $14,727,000 | 1,194 |
| Provision for loan and lease losses | $675,000 | 1,468 |
| Total noninterest income | $2,795,000 | 1,437 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,174,000 | 613 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $621,000 | 2,583 |
| Total noninterest expense | $10,376,000 | 1,336 |
| Salaries and employee benefits | $5,270,000 | 1,346 |
| Premises and equipment expense | $1,824,000 | 1,091 |
| Additional noninterest expense | $3,282,000 | 1,369 |
| Pre-tax net operating income | $6,471,000 | 1,156 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,038,000 | 1,136 |
| Income before extraordinary items | $4,433,000 | 1,196 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,433,000 | 1,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,496 |
| Cash dividends | $995,000 | 2,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,433,000 | 1,199 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,942,000 | 1,714 |
| Total interest expense | $6,723,000 | 2,197 |
| Net interest income | $12,219,000 | 1,432 |
| Provision for loan and lease losses | $618,000 | 1,465 |
| Total noninterest income | $2,388,000 | 1,626 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,798,000 | 738 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $590,000 | 2,656 |
| Total noninterest expense | $9,027,000 | 1,540 |
| Salaries and employee benefits | $4,491,000 | 1,545 |
| Premises and equipment expense | $1,649,000 | 1,227 |
| Additional noninterest expense | $2,887,000 | 1,558 |
| Pre-tax net operating income | $4,962,000 | 1,519 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,515,000 | 1,585 |
| Income before extraordinary items | $3,447,000 | 1,553 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,447,000 | 1,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,778 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,447,000 | 1,523 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,475,000 | 1,961 |
| Total interest expense | $6,134,000 | 2,479 |
| Net interest income | $10,341,000 | 1,649 |
| Provision for loan and lease losses | $307,000 | 2,540 |
| Total noninterest income | $2,100,000 | 1,755 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,521,000 | 812 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $579,000 | 2,704 |
| Total noninterest expense | $7,882,000 | 1,672 |
| Salaries and employee benefits | $3,849,000 | 1,715 |
| Premises and equipment expense | $1,456,000 | 1,334 |
| Additional noninterest expense | $2,577,000 | 1,661 |
| Pre-tax net operating income | $4,252,000 | 1,730 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $1,252,000 | 1,914 |
| Income before extraordinary items | $3,012,000 | 1,743 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,012,000 | 1,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,641 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,003,480 | 1,674 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,993,000 | 2,335 |
| Total interest expense | $4,972,000 | 2,994 |
| Net interest income | $9,021,000 | 1,926 |
| Provision for loan and lease losses | $150,000 | 4,117 |
| Total noninterest income | $1,751,000 | 1,962 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,359,000 | 939 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $392,000 | 3,321 |
| Total noninterest expense | $6,197,000 | 2,087 |
| Salaries and employee benefits | $3,124,000 | 2,108 |
| Premises and equipment expense | $1,064,000 | 1,864 |
| Additional noninterest expense | $2,009,000 | 2,083 |
| Pre-tax net operating income | $4,425,000 | 1,730 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,379,000 | 1,845 |
| Income before extraordinary items | $3,046,000 | 1,744 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,046,000 | 1,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,552 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,046,000 | 1,708 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,296,000 | 2,707 |
| Total interest expense | $4,836,000 | 3,095 |
| Net interest income | $7,460,000 | 2,413 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $1,326,000 | 2,504 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,022,000 | 1,311 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $304,000 | 4,040 |
| Total noninterest expense | $5,035,000 | 2,725 |
| Salaries and employee benefits | $2,584,000 | 2,591 |
| Premises and equipment expense | $780,000 | 2,511 |
| Additional noninterest expense | $1,671,000 | 2,850 |
| Pre-tax net operating income | $3,601,000 | 2,001 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $1,184,000 | 2,013 |
| Income before extraordinary items | $2,415,000 | 2,056 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,415,000 | 2,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,609 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,416,340 | 2,010 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,074,000 | 2,996 |
| Total interest expense | $4,227,000 | 3,510 |
| Net interest income | $6,847,000 | 2,610 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $1,104,000 | 2,882 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $856,000 | 1,582 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $248,000 | 4,504 |
| Total noninterest expense | $4,214,000 | 3,169 |
| Salaries and employee benefits | $2,082,000 | 3,185 |
| Premises and equipment expense | $653,000 | 2,994 |
| Additional noninterest expense | $1,479,000 | 3,122 |
| Pre-tax net operating income | $3,687,000 | 1,996 |
| Securities gains (losses) | $-9,000 | 10,045 |
| Applicable income taxes | $1,078,000 | 2,228 |
| Income before extraordinary items | $2,600,000 | 1,926 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,600,000 | 1,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-147,000 | 11,815 |
| Cash dividends | $511,000 | 3,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,606,390 | 1,904 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,260,000 | 3,258 |
| Total interest expense | $3,376,000 | 3,555 |
| Net interest income | $5,884,000 | 3,049 |
| Provision for loan and lease losses | $-275,000 | 12,380 |
| Total noninterest income | $1,036,000 | 3,032 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $830,000 | 1,634 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $206,000 | 5,168 |
| Total noninterest expense | $4,183,000 | 3,294 |
| Salaries and employee benefits | $2,029,000 | 3,239 |
| Premises and equipment expense | $663,000 | 2,973 |
| Additional noninterest expense | $1,491,000 | 3,310 |
| Pre-tax net operating income | $3,012,000 | 2,367 |
| Securities gains (losses) | $-29,000 | 10,630 |
| Applicable income taxes | $902,000 | 2,473 |
| Income before extraordinary items | $2,081,000 | 2,335 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,081,000 | 2,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-164,000 | 12,365 |
| Cash dividends | $193,000 | 5,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,101,300 | 2,334 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,680,000 | 3,542 |
| Total interest expense | $3,266,000 | 3,826 |
| Net interest income | $5,414,000 | 3,319 |
| Provision for loan and lease losses | $972,000 | 1,328 |
| Total noninterest income | $910,000 | 3,602 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $786,000 | 1,740 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $124,000 | 7,197 |
| Total noninterest expense | $4,081,000 | 3,429 |
| Salaries and employee benefits | $1,877,000 | 3,476 |
| Premises and equipment expense | $627,000 | 3,188 |
| Additional noninterest expense | $1,577,000 | 3,353 |
| Pre-tax net operating income | $1,271,000 | 4,958 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $266,000 | 6,548 |
| Income before extraordinary items | $1,005,000 | 4,682 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,005,000 | 4,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $954,000 | 1,184 |
| Cash dividends | $102,000 | 6,819 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,005,000 | 4,448 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,841,000 | 3,921 |
| Total interest expense | $4,163,000 | 3,930 |
| Net interest income | $4,678,000 | 3,863 |
| Provision for loan and lease losses | $1,013,000 | 1,817 |
| Total noninterest income | $828,000 | 3,880 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $689,000 | 1,976 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $139,000 | 6,908 |
| Total noninterest expense | $3,557,000 | 3,877 |
| Salaries and employee benefits | $1,659,000 | 3,873 |
| Premises and equipment expense | $678,000 | 3,002 |
| Additional noninterest expense | $1,220,000 | 4,282 |
| Pre-tax net operating income | $936,000 | 5,916 |
| Securities gains (losses) | $60,000 | 3,829 |
| Applicable income taxes | $232,000 | 6,961 |
| Income before extraordinary items | $764,000 | 5,554 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $764,000 | 5,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $813,000 | 1,801 |
| Cash dividends | $312,000 | 3,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $717,800 | 5,481 |
* 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.