Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,003,000 | 4,394 |
| Total interest expense | $2,135,000 | 3,864 |
| Net interest income | $1,868,000 | 4,880 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $266,000 | 4,950 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $173,000 | 3,804 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $93,000 | 5,248 |
| Total noninterest expense | $2,190,000 | 3,847 |
| Salaries and employee benefits | $1,262,000 | 3,721 |
| Premises and equipment expense | $322,000 | 3,666 |
| Additional noninterest expense | $606,000 | 3,984 |
| Pre-tax net operating income | $-56,000 | 7,893 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-100,000 | 8,382 |
| Income before extraordinary items | $44,000 | 7,529 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $44,000 | 7,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,723 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $44,000 | 7,513 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,955,000 | 4,458 |
| Total interest expense | $1,047,000 | 3,884 |
| Net interest income | $908,000 | 4,967 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $140,000 | 4,792 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $82,000 | 3,854 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $58,000 | 4,822 |
| Total noninterest expense | $1,084,000 | 3,881 |
| Salaries and employee benefits | $644,000 | 3,694 |
| Premises and equipment expense | $158,000 | 3,732 |
| Additional noninterest expense | $282,000 | 4,146 |
| Pre-tax net operating income | $-36,000 | 7,991 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-52,000 | 8,422 |
| Income before extraordinary items | $16,000 | 7,675 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $16,000 | 7,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-301,000 | 8,599 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $16,000 | 7,654 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,737,000 | 4,283 |
| Total interest expense | $3,944,000 | 3,633 |
| Net interest income | $3,793,000 | 4,815 |
| Provision for loan and lease losses | $100,000 | 4,711 |
| Total noninterest income | $710,000 | 4,326 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $370,000 | 3,697 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $340,000 | 4,054 |
| Total noninterest expense | $4,482,000 | 3,635 |
| Salaries and employee benefits | $2,464,000 | 3,654 |
| Premises and equipment expense | $733,000 | 3,214 |
| Additional noninterest expense | $1,285,000 | 3,730 |
| Pre-tax net operating income | $-79,000 | 8,030 |
| Securities gains (losses) | $-26,000 | 7,669 |
| Applicable income taxes | $-169,000 | 8,427 |
| Income before extraordinary items | $64,000 | 7,804 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $64,000 | 7,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 2,710 |
| Cash dividends | $2,000,000 | 1,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $80,640 | 7,737 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,753,000 | 4,289 |
| Total interest expense | $2,857,000 | 3,623 |
| Net interest income | $2,896,000 | 4,792 |
| Provision for loan and lease losses | $60,000 | 4,851 |
| Total noninterest income | $547,000 | 4,278 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $276,000 | 3,733 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $271,000 | 3,940 |
| Total noninterest expense | $3,370,000 | 3,637 |
| Salaries and employee benefits | $1,886,000 | 3,597 |
| Premises and equipment expense | $538,000 | 3,273 |
| Additional noninterest expense | $946,000 | 3,777 |
| Pre-tax net operating income | $13,000 | 8,070 |
| Securities gains (losses) | $-25,000 | 7,922 |
| Applicable income taxes | $-97,000 | 8,558 |
| Income before extraordinary items | $85,000 | 7,799 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $85,000 | 7,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-116,000 | 8,556 |
| Cash dividends | $2,000,000 | 1,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $101,000 | 7,718 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,796,000 | 4,281 |
| Total interest expense | $1,827,000 | 3,627 |
| Net interest income | $1,969,000 | 4,761 |
| Provision for loan and lease losses | $15,000 | 5,732 |
| Total noninterest income | $401,000 | 4,040 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $177,000 | 3,795 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $224,000 | 3,521 |
| Total noninterest expense | $2,194,000 | 3,706 |
| Salaries and employee benefits | $1,276,000 | 3,576 |
| Premises and equipment expense | $339,000 | 3,408 |
| Additional noninterest expense | $579,000 | 4,019 |
| Pre-tax net operating income | $161,000 | 7,313 |
| Securities gains (losses) | $-21,000 | 8,094 |
| Applicable income taxes | $8,000 | 6,196 |
| Income before extraordinary items | $132,000 | 7,292 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $132,000 | 7,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-130,000 | 8,617 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $151,740 | 7,166 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,862,000 | 4,282 |
| Total interest expense | $862,000 | 3,646 |
| Net interest income | $1,000,000 | 4,716 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $229,000 | 3,677 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $81,000 | 3,912 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $148,000 | 2,988 |
| Total noninterest expense | $1,091,000 | 3,752 |
| Salaries and employee benefits | $639,000 | 3,591 |
| Premises and equipment expense | $164,000 | 3,516 |
| Additional noninterest expense | $288,000 | 4,029 |
| Pre-tax net operating income | $123,000 | 6,769 |
| Securities gains (losses) | $-21,000 | 8,390 |
| Applicable income taxes | $7,000 | 5,939 |
| Income before extraordinary items | $95,000 | 6,813 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $95,000 | 6,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-102,000 | 8,649 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $114,530 | 6,504 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,528,000 | 3,938 |
| Total interest expense | $3,014,000 | 3,318 |
| Net interest income | $4,514,000 | 4,248 |
| Provision for loan and lease losses | $600,000 | 1,622 |
| Total noninterest income | $561,000 | 4,966 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $321,000 | 4,026 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $240,000 | 4,814 |
| Total noninterest expense | $4,161,000 | 3,751 |
| Salaries and employee benefits | $2,266,000 | 3,774 |
| Premises and equipment expense | $651,000 | 3,418 |
| Additional noninterest expense | $1,244,000 | 3,754 |
| Pre-tax net operating income | $314,000 | 7,336 |
| Securities gains (losses) | $-10,000 | 7,535 |
| Applicable income taxes | $23,000 | 6,273 |
| Income before extraordinary items | $281,000 | 7,257 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $281,000 | 7,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $857,000 | 766 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $290,200 | 7,204 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,590,000 | 3,906 |
| Total interest expense | $2,219,000 | 3,224 |
| Net interest income | $3,371,000 | 4,270 |
| Provision for loan and lease losses | $350,000 | 1,932 |
| Total noninterest income | $418,000 | 5,006 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $235,000 | 4,095 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $183,000 | 4,802 |
| Total noninterest expense | $3,061,000 | 3,780 |
| Salaries and employee benefits | $1,666,000 | 3,796 |
| Premises and equipment expense | $481,000 | 3,448 |
| Additional noninterest expense | $914,000 | 3,760 |
| Pre-tax net operating income | $378,000 | 6,892 |
| Securities gains (losses) | $-16,000 | 8,085 |
| Applicable income taxes | $69,000 | 5,565 |
| Income before extraordinary items | $293,000 | 6,955 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $293,000 | 6,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 843 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $305,960 | 6,842 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,707,000 | 3,863 |
| Total interest expense | $1,449,000 | 3,132 |
| Net interest income | $2,258,000 | 4,228 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $275,000 | 5,005 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $146,000 | 4,216 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $129,000 | 4,634 |
| Total noninterest expense | $1,979,000 | 3,841 |
| Salaries and employee benefits | $1,011,000 | 4,037 |
| Premises and equipment expense | $319,000 | 3,445 |
| Additional noninterest expense | $649,000 | 3,567 |
| Pre-tax net operating income | $404,000 | 5,955 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $110,000 | 4,694 |
| Income before extraordinary items | $294,000 | 6,166 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $294,000 | 6,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 644 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $294,000 | 6,114 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,832,000 | 3,857 |
| Total interest expense | $725,000 | 3,033 |
| Net interest income | $1,107,000 | 4,304 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $107,000 | 5,534 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $62,000 | 4,532 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,411 |
| Total noninterest expense | $925,000 | 4,074 |
| Salaries and employee benefits | $503,000 | 4,076 |
| Premises and equipment expense | $157,000 | 3,521 |
| Additional noninterest expense | $265,000 | 4,174 |
| Pre-tax net operating income | $214,000 | 5,800 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $60,000 | 4,523 |
| Income before extraordinary items | $154,000 | 6,039 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $154,000 | 6,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $154,000 | 6,005 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,930,000 | 3,838 |
| Total interest expense | $2,900,000 | 2,702 |
| Net interest income | $4,030,000 | 4,460 |
| Provision for loan and lease losses | $875,000 | 1,187 |
| Total noninterest income | $535,000 | 5,096 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $263,000 | 4,630 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $272,000 | 4,457 |
| Total noninterest expense | $3,777,000 | 3,918 |
| Salaries and employee benefits | $1,915,000 | 4,137 |
| Premises and equipment expense | $677,000 | 3,215 |
| Additional noninterest expense | $1,185,000 | 3,783 |
| Pre-tax net operating income | $-87,000 | 8,485 |
| Securities gains (losses) | $-16,000 | 8,332 |
| Applicable income taxes | $-103,000 | 8,737 |
| Income before extraordinary items | $0 | 8,436 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $0 | 8,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $464,000 | 1,423 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 470 |
| Net operating income | $10,240 | 8,378 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,083,000 | 3,889 |
| Total interest expense | $2,190,000 | 2,648 |
| Net interest income | $2,893,000 | 4,595 |
| Provision for loan and lease losses | $580,000 | 1,270 |
| Total noninterest income | $400,000 | 5,128 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $196,000 | 4,685 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $204,000 | 4,458 |
| Total noninterest expense | $2,854,000 | 3,866 |
| Salaries and employee benefits | $1,463,000 | 4,035 |
| Premises and equipment expense | $526,000 | 3,123 |
| Additional noninterest expense | $865,000 | 3,849 |
| Pre-tax net operating income | $-141,000 | 8,620 |
| Securities gains (losses) | $-8,000 | 8,459 |
| Applicable income taxes | $-111,000 | 8,862 |
| Income before extraordinary items | $-38,000 | 8,564 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-38,000 | 8,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,491 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 363 |
| Net operating income | $-32,880 | 8,531 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,406,000 | 3,863 |
| Total interest expense | $1,487,000 | 2,592 |
| Net interest income | $1,919,000 | 4,601 |
| Provision for loan and lease losses | $240,000 | 1,886 |
| Total noninterest income | $267,000 | 5,103 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $127,000 | 4,740 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $140,000 | 4,440 |
| Total noninterest expense | $1,858,000 | 3,978 |
| Salaries and employee benefits | $975,000 | 4,064 |
| Premises and equipment expense | $328,000 | 3,302 |
| Additional noninterest expense | $555,000 | 3,984 |
| Pre-tax net operating income | $88,000 | 8,006 |
| Securities gains (losses) | $-11,000 | 8,702 |
| Applicable income taxes | $-3,000 | 8,734 |
| Income before extraordinary items | $80,000 | 7,969 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $80,000 | 7,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 1,075 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 258 |
| Net operating income | $91,000 | 7,810 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,759,000 | 3,770 |
| Total interest expense | $765,000 | 2,554 |
| Net interest income | $994,000 | 4,501 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $150,000 | 4,772 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $65,000 | 4,595 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $85,000 | 4,044 |
| Total noninterest expense | $886,000 | 4,139 |
| Salaries and employee benefits | $482,000 | 4,125 |
| Premises and equipment expense | $164,000 | 3,328 |
| Additional noninterest expense | $240,000 | 4,461 |
| Pre-tax net operating income | $138,000 | 6,608 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $40,000 | 5,105 |
| Income before extraordinary items | $98,000 | 6,919 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $98,000 | 6,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 662 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 149 |
| Net operating income | $98,000 | 6,819 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,864,000 | 3,884 |
| Total interest expense | $2,982,000 | 2,887 |
| Net interest income | $3,882,000 | 4,448 |
| Provision for loan and lease losses | $235,000 | 3,720 |
| Total noninterest income | $796,000 | 4,240 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $309,000 | 4,228 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $487,000 | 3,628 |
| Total noninterest expense | $3,420,000 | 4,194 |
| Salaries and employee benefits | $1,919,000 | 4,065 |
| Premises and equipment expense | $686,000 | 3,128 |
| Additional noninterest expense | $815,000 | 4,987 |
| Pre-tax net operating income | $1,023,000 | 5,113 |
| Securities gains (losses) | $37,000 | 2,758 |
| Applicable income taxes | $346,000 | 4,058 |
| Income before extraordinary items | $714,000 | 5,525 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $714,000 | 5,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,954 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 565 |
| Net operating income | $689,210 | 5,461 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,110,000 | 3,961 |
| Total interest expense | $2,238,000 | 2,967 |
| Net interest income | $2,872,000 | 4,520 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $616,000 | 4,224 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $230,000 | 4,260 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $386,000 | 3,598 |
| Total noninterest expense | $2,534,000 | 4,226 |
| Salaries and employee benefits | $1,435,000 | 4,068 |
| Premises and equipment expense | $506,000 | 3,190 |
| Additional noninterest expense | $593,000 | 5,052 |
| Pre-tax net operating income | $819,000 | 5,062 |
| Securities gains (losses) | $37,000 | 2,545 |
| Applicable income taxes | $292,000 | 3,962 |
| Income before extraordinary items | $564,000 | 5,564 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $564,000 | 5,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,593 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 423 |
| Net operating income | $539,580 | 5,477 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,391,000 | 4,019 |
| Total interest expense | $1,492,000 | 3,058 |
| Net interest income | $1,899,000 | 4,550 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $419,000 | 4,140 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $152,000 | 4,248 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $267,000 | 3,509 |
| Total noninterest expense | $1,695,000 | 4,199 |
| Salaries and employee benefits | $957,000 | 4,051 |
| Premises and equipment expense | $339,000 | 3,164 |
| Additional noninterest expense | $399,000 | 5,014 |
| Pre-tax net operating income | $533,000 | 5,157 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $180,000 | 4,173 |
| Income before extraordinary items | $353,000 | 5,716 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $353,000 | 5,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 304 |
| Net operating income | $353,000 | 5,500 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,674,000 | 4,085 |
| Total interest expense | $745,000 | 3,142 |
| Net interest income | $929,000 | 4,612 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $157,000 | 4,778 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $75,000 | 4,221 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $82,000 | 4,290 |
| Total noninterest expense | $811,000 | 4,323 |
| Salaries and employee benefits | $461,000 | 4,157 |
| Premises and equipment expense | $167,000 | 3,194 |
| Additional noninterest expense | $183,000 | 5,286 |
| Pre-tax net operating income | $230,000 | 5,498 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $77,000 | 4,426 |
| Income before extraordinary items | $153,000 | 5,963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $153,000 | 5,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,174 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $153,000 | 5,776 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,512,000 | 4,295 |
| Total interest expense | $3,021,000 | 3,522 |
| Net interest income | $3,491,000 | 4,763 |
| Provision for loan and lease losses | $135,000 | 5,121 |
| Total noninterest income | $712,000 | 4,288 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $288,000 | 4,316 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $424,000 | 3,599 |
| Total noninterest expense | $2,997,000 | 4,462 |
| Salaries and employee benefits | $1,647,000 | 4,364 |
| Premises and equipment expense | $569,000 | 3,570 |
| Additional noninterest expense | $781,000 | 5,018 |
| Pre-tax net operating income | $1,071,000 | 5,043 |
| Securities gains (losses) | $109,000 | 1,657 |
| Applicable income taxes | $420,000 | 3,790 |
| Income before extraordinary items | $760,000 | 5,344 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $760,000 | 5,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 4,036 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $690,240 | 5,454 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,502,000 | 4,671 |
| Total interest expense | $3,733,000 | 4,017 |
| Net interest income | $2,769,000 | 5,353 |
| Provision for loan and lease losses | $90,000 | 5,778 |
| Total noninterest income | $493,000 | 5,108 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $284,000 | 4,299 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $209,000 | 4,833 |
| Total noninterest expense | $2,485,000 | 4,970 |
| Salaries and employee benefits | $1,240,000 | 5,190 |
| Premises and equipment expense | $461,000 | 4,156 |
| Additional noninterest expense | $784,000 | 4,850 |
| Pre-tax net operating income | $687,000 | 5,874 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $223,000 | 4,825 |
| Income before extraordinary items | $468,000 | 6,219 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $468,000 | 6,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,729 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $465,280 | 6,115 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $542,000 | 9,672 |
| Total interest expense | $330,000 | 9,509 |
| Net interest income | $212,000 | 9,760 |
| Provision for loan and lease losses | $8,000 | 8,049 |
| Total noninterest income | $32,000 | 9,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 8,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,421 |
| Total noninterest expense | $284,000 | 9,773 |
| Salaries and employee benefits | $142,000 | 9,771 |
| Premises and equipment expense | $52,000 | 9,324 |
| Additional noninterest expense | $90,000 | 9,697 |
| Pre-tax net operating income | $-48,000 | 9,198 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-450,000 | 9,784 |
| Income before extraordinary items | $402,000 | 6,844 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $402,000 | 6,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $402,000 | 6,854 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,629,000 | 5,156 |
| Total interest expense | $3,396,000 | 4,141 |
| Net interest income | $2,233,000 | 6,211 |
| Provision for loan and lease losses | $280,000 | 2,822 |
| Total noninterest income | $329,000 | 6,179 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 4,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,271 |
| Total noninterest expense | $2,359,000 | 5,088 |
| Salaries and employee benefits | $1,204,000 | 5,151 |
| Premises and equipment expense | $399,000 | 4,545 |
| Additional noninterest expense | $756,000 | 4,991 |
| Pre-tax net operating income | $-77,000 | 9,514 |
| Securities gains (losses) | $-3,000 | 8,917 |
| Applicable income taxes | $29,000 | 8,032 |
| Income before extraordinary items | $-109,000 | 9,586 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-109,000 | 9,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,266 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-106,000 | 9,562 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,234,000 | 5,492 |
| Total interest expense | $2,984,000 | 4,753 |
| Net interest income | $2,250,000 | 6,210 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $370,000 | 5,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 4,613 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,022 |
| Total noninterest expense | $2,014,000 | 5,569 |
| Salaries and employee benefits | $1,051,000 | 5,584 |
| Premises and equipment expense | $320,000 | 5,185 |
| Additional noninterest expense | $643,000 | 5,488 |
| Pre-tax net operating income | $486,000 | 7,447 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $42,000 | 8,467 |
| Income before extraordinary items | $444,000 | 6,955 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $444,000 | 6,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,233 |
| Cash dividends | $240,000 | 5,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $444,000 | 6,853 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,093,000 | 5,719 |
| Total interest expense | $2,622,000 | 5,223 |
| Net interest income | $2,471,000 | 6,096 |
| Provision for loan and lease losses | $63,000 | 6,100 |
| Total noninterest income | $333,000 | 6,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $242,000 | 4,763 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,039 |
| Total noninterest expense | $1,817,000 | 6,037 |
| Salaries and employee benefits | $939,000 | 6,111 |
| Premises and equipment expense | $275,000 | 5,729 |
| Additional noninterest expense | $603,000 | 5,786 |
| Pre-tax net operating income | $924,000 | 6,070 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $283,000 | 5,886 |
| Income before extraordinary items | $641,000 | 6,160 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $641,000 | 6,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,342 |
| Cash dividends | $300,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $641,000 | 6,110 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,920,000 | 6,016 |
| Total interest expense | $2,489,000 | 5,537 |
| Net interest income | $2,431,000 | 6,317 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $370,000 | 6,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $268,000 | 4,572 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,055 |
| Total noninterest expense | $1,764,000 | 6,467 |
| Salaries and employee benefits | $914,000 | 6,398 |
| Premises and equipment expense | $273,000 | 5,932 |
| Additional noninterest expense | $577,000 | 6,504 |
| Pre-tax net operating income | $977,000 | 5,830 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $303,000 | 5,793 |
| Income before extraordinary items | $674,000 | 5,877 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $674,000 | 5,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,398 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $674,000 | 5,815 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,630,000 | 6,317 |
| Total interest expense | $2,306,000 | 5,879 |
| Net interest income | $2,324,000 | 6,632 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $324,000 | 6,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,849 |
| Total noninterest expense | $2,002,000 | 5,976 |
| Salaries and employee benefits | $1,072,000 | 5,718 |
| Premises and equipment expense | $331,000 | 5,238 |
| Additional noninterest expense | $599,000 | 6,547 |
| Pre-tax net operating income | $646,000 | 7,610 |
| Securities gains (losses) | $-33,000 | 10,904 |
| Applicable income taxes | $184,000 | 7,711 |
| Income before extraordinary items | $429,000 | 7,816 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $429,000 | 7,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,436 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $452,100 | 7,590 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,961,000 | 6,748 |
| Total interest expense | $1,742,000 | 6,224 |
| Net interest income | $2,219,000 | 7,045 |
| Provision for loan and lease losses | $80,000 | 5,022 |
| Total noninterest income | $302,000 | 7,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $240,000 | 5,195 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,009 |
| Total noninterest expense | $2,024,000 | 6,133 |
| Salaries and employee benefits | $1,040,000 | 5,903 |
| Premises and equipment expense | $307,000 | 5,617 |
| Additional noninterest expense | $677,000 | 6,491 |
| Pre-tax net operating income | $417,000 | 9,234 |
| Securities gains (losses) | $46,000 | 1,207 |
| Applicable income taxes | $135,000 | 8,607 |
| Income before extraordinary items | $328,000 | 8,844 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $328,000 | 8,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,355 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $295,340 | 9,263 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,867,000 | 7,039 |
| Total interest expense | $1,704,000 | 6,606 |
| Net interest income | $2,163,000 | 7,271 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $327,000 | 7,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $247,000 | 5,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 8,622 |
| Total noninterest expense | $1,847,000 | 6,765 |
| Salaries and employee benefits | $996,000 | 6,156 |
| Premises and equipment expense | $219,000 | 7,307 |
| Additional noninterest expense | $632,000 | 7,062 |
| Pre-tax net operating income | $643,000 | 7,665 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $199,000 | 7,638 |
| Income before extraordinary items | $453,000 | 7,946 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $453,000 | 8,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $446,790 | 7,737 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,206,000 | 7,236 |
| Total interest expense | $2,093,000 | 6,887 |
| Net interest income | $2,113,000 | 7,462 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $336,000 | 7,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,154 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 8,558 |
| Total noninterest expense | $1,731,000 | 7,184 |
| Salaries and employee benefits | $892,000 | 6,666 |
| Premises and equipment expense | $190,000 | 8,078 |
| Additional noninterest expense | $649,000 | 7,108 |
| Pre-tax net operating income | $718,000 | 7,003 |
| Securities gains (losses) | $76,000 | 3,457 |
| Applicable income taxes | $255,000 | 6,577 |
| Income before extraordinary items | $539,000 | 7,009 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $539,000 | 7,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 12,396 |
| Cash dividends | $300,000 | 3,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $487,320 | 7,070 |
* 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.