Home > First National Bank > Income and Expense

First National Bank, Income and Expense

2003-09-30 (YTD Data)		Rank
Total interest income	$2,324,000	6,490
Total interest expense	$833,000	5,950
Net interest income	$1,491,000	6,656
Provision for loan and lease losses	$90,000	4,812
Total noninterest income	$293,000	6,066
Gross Fiduciary activities income	$3,000	1,448
Service charges on deposit accounts	$177,000	4,913
Trading account gains and fees	$0	153
Additional Noninterest Income	$113,000	5,844
Total noninterest expense	$888,000	7,495
Salaries and employee benefits	$507,000	7,360
Premises and equipment expense	$70,000	8,163
Additional noninterest expense	$311,000	7,039
Pre-tax net operating income	$806,000	5,102
Securities gains (losses)	$0	4,204
Applicable income taxes	$190,000	4,731
Income before extraordinary items	$616,000	5,332
Extraordinary gains, net	$0	40
Net income	$616,000	5,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	3,488
Cash dividends	$126,000	4,527
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$616,000	5,147
2003-06-30 (YTD Data)		Rank
Total interest income	$1,561,000	6,515
Total interest expense	$580,000	5,949
Net interest income	$981,000	6,691
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$205,000	5,942
Gross Fiduciary activities income	$3,000	1,400
Service charges on deposit accounts	$107,000	5,112
Trading account gains and fees	$0	150
Additional Noninterest Income	$95,000	5,412
Total noninterest expense	$588,000	7,517
Salaries and employee benefits	$333,000	7,416
Premises and equipment expense	$51,000	8,066
Additional noninterest expense	$204,000	7,091
Pre-tax net operating income	$538,000	5,130
Securities gains (losses)	$0	3,782
Applicable income taxes	$128,000	4,755
Income before extraordinary items	$410,000	5,334
Extraordinary gains, net	$0	30
Net income	$410,000	5,334
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	2,688
Cash dividends	$121,000	4,069
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$410,000	5,135
2003-03-31 (YTD Data)		Rank
Total interest income	$774,000	6,580
Total interest expense	$304,000	5,901
Net interest income	$470,000	6,825
Provision for loan and lease losses	$30,000	4,429
Total noninterest income	$106,000	5,763
Gross Fiduciary activities income	$2,000	1,343
Service charges on deposit accounts	$50,000	5,192
Trading account gains and fees	$0	134
Additional Noninterest Income	$54,000	5,123
Total noninterest expense	$300,000	7,519
Salaries and employee benefits	$167,000	7,447
Premises and equipment expense	$27,000	8,005
Additional noninterest expense	$106,000	7,009
Pre-tax net operating income	$246,000	5,322
Securities gains (losses)	$0	2,891
Applicable income taxes	$59,000	4,866
Income before extraordinary items	$187,000	5,483
Extraordinary gains, net	$0	21
Net income	$187,000	5,481
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,386
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$187,000	5,290
2002-12-31 (YTD Data)		Rank
Total interest income	$3,175,000	6,669
Total interest expense	$1,347,000	6,065
Net interest income	$1,828,000	6,902
Provision for loan and lease losses	$120,000	5,330
Total noninterest income	$364,000	6,011
Gross Fiduciary activities income	$5,000	1,497
Service charges on deposit accounts	$189,000	5,336
Trading account gains and fees	$0	153
Additional Noninterest Income	$170,000	5,342
Total noninterest expense	$1,164,000	7,555
Salaries and employee benefits	$673,000	7,391
Premises and equipment expense	$92,000	8,283
Additional noninterest expense	$399,000	7,157
Pre-tax net operating income	$908,000	5,463
Securities gains (losses)	$0	4,537
Applicable income taxes	$184,000	5,228
Income before extraordinary items	$724,000	5,463
Extraordinary gains, net	$0	70
Net income	$724,000	5,462
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,916
Cash dividends	$228,000	4,739
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$724,000	5,324
2001-12-31 (YTD Data)		Rank
Total interest income	$3,486,000	6,786
Total interest expense	$1,762,000	6,487
Net interest income	$1,724,000	6,941
Provision for loan and lease losses	$120,000	5,188
Total noninterest income	$305,000	6,377
Gross Fiduciary activities income	$5,000	1,541
Service charges on deposit accounts	$168,000	5,540
Trading account gains and fees	$0	177
Additional Noninterest Income	$132,000	5,790
Total noninterest expense	$1,079,000	7,753
Salaries and employee benefits	$606,000	7,637
Premises and equipment expense	$98,000	8,339
Additional noninterest expense	$375,000	7,327
Pre-tax net operating income	$830,000	5,394
Securities gains (losses)	$0	4,612
Applicable income taxes	$157,000	5,377
Income before extraordinary items	$673,000	5,321
Extraordinary gains, net	$0	105
Net income	$673,000	5,325
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,793
Cash dividends	$191,000	5,082
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$673,000	5,199
2000-12-31 (YTD Data)		Rank
Total interest income	$3,406,000	7,007
Total interest expense	$1,707,000	6,771
Net interest income	$1,699,000	7,115
Provision for loan and lease losses	$120,000	4,828
Total noninterest income	$165,000	7,683
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$118,000	6,259
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	7,934
Total noninterest expense	$1,006,000	8,001
Salaries and employee benefits	$583,000	7,788
Premises and equipment expense	$99,000	8,459
Additional noninterest expense	$324,000	7,758
Pre-tax net operating income	$738,000	6,082
Securities gains (losses)	$31,000	834
Applicable income taxes	$153,000	5,879
Income before extraordinary items	$616,000	5,764
Extraordinary gains, net	$0	38
Net income	$616,000	5,762
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	4,432
Cash dividends	$189,000	5,234
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$591,200	5,906
1999-12-31 (YTD Data)		Rank
Total interest income	$3,033,000	7,338
Total interest expense	$1,394,000	7,201
Net interest income	$1,639,000	7,313
Provision for loan and lease losses	$98,000	5,306
Total noninterest income	$170,000	7,841
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$127,000	6,222
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	8,297
Total noninterest expense	$1,004,000	8,118
Salaries and employee benefits	$597,000	7,775
Premises and equipment expense	$93,000	8,771
Additional noninterest expense	$314,000	8,015
Pre-tax net operating income	$707,000	6,295
Securities gains (losses)	$0	3,155
Applicable income taxes	$129,000	6,528
Income before extraordinary items	$578,000	6,003
Extraordinary gains, net	$0	35
Net income	$578,000	6,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,364
Cash dividends	$656,000	2,995
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$578,000	5,974
1998-12-31 (YTD Data)		Rank
Total interest income	$2,985,000	7,550
Total interest expense	$1,550,000	7,089
Net interest income	$1,435,000	7,830
Provision for loan and lease losses	$60,000	6,123
Total noninterest income	$151,000	8,220
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$113,000	6,606
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	8,617
Total noninterest expense	$972,000	8,206
Salaries and employee benefits	$556,000	8,005
Premises and equipment expense	$100,000	8,699
Additional noninterest expense	$316,000	7,978
Pre-tax net operating income	$554,000	7,129
Securities gains (losses)	$1,000	4,151
Applicable income taxes	$84,000	7,768
Income before extraordinary items	$471,000	6,780
Extraordinary gains, net	$0	32
Net income	$471,000	6,778
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,598
Cash dividends	$164,000	5,665
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$470,150	6,679
1997-12-31 (YTD Data)		Rank
Total interest income	$2,851,000	7,935
Total interest expense	$1,489,000	7,374
Net interest income	$1,362,000	8,318
Provision for loan and lease losses	$27,000	7,550
Total noninterest income	$130,000	8,891
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$98,000	7,244
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	9,236
Total noninterest expense	$958,000	8,486
Salaries and employee benefits	$523,000	8,438
Premises and equipment expense	$106,000	8,826
Additional noninterest expense	$329,000	8,029
Pre-tax net operating income	$507,000	7,879
Securities gains (losses)	$-4,000	9,548
Applicable income taxes	$56,000	9,157
Income before extraordinary items	$447,000	7,332
Extraordinary gains, net	$0	44
Net income	$447,000	7,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	5,964
Cash dividends	$108,000	6,383
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$450,560	7,253
1996-12-31 (YTD Data)		Rank
Total interest income	$2,817,000	8,252
Total interest expense	$1,441,000	7,723
Net interest income	$1,376,000	8,576
Provision for loan and lease losses	$20,000	7,945
Total noninterest income	$104,000	9,819
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	7,987
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,174
Total noninterest expense	$977,000	8,753
Salaries and employee benefits	$564,000	8,377
Premises and equipment expense	$105,000	9,153
Additional noninterest expense	$308,000	8,792
Pre-tax net operating income	$483,000	8,043
Securities gains (losses)	$15,000	2,201
Applicable income taxes	$49,000	9,705
Income before extraordinary items	$449,000	7,245
Extraordinary gains, net	$0	53
Net income	$449,000	7,248
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	10,158
Cash dividends	$75,000	7,116
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$435,500	7,290
1995-12-31 (YTD Data)		Rank
Total interest income	$2,587,000	8,828
Total interest expense	$1,413,000	7,943
Net interest income	$1,174,000	9,410
Provision for loan and lease losses	$0	8,958
Total noninterest income	$96,000	10,362
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$87,000	8,120
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	11,559
Total noninterest expense	$961,000	9,113
Salaries and employee benefits	$531,000	8,844
Premises and equipment expense	$92,000	9,856
Additional noninterest expense	$338,000	8,818
Pre-tax net operating income	$309,000	9,681
Securities gains (losses)	$10,000	2,384
Applicable income taxes	$123,000	8,748
Income before extraordinary items	$196,000	9,972
Extraordinary gains, net	$0	65
Net income	$196,000	9,977
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	10,875
Cash dividends	$60,000	7,552
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$189,600	10,020
1994-12-31 (YTD Data)		Rank
Total interest income	$1,815,000	10,139
Total interest expense	$798,000	9,618
Net interest income	$1,017,000	10,330
Provision for loan and lease losses	$20,000	7,754
Total noninterest income	$121,000	10,271
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	8,368
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	10,719
Total noninterest expense	$896,000	9,788
Salaries and employee benefits	$489,000	9,494
Premises and equipment expense	$97,000	10,121
Additional noninterest expense	$310,000	9,844
Pre-tax net operating income	$222,000	10,726
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$-63,000	12,246
Income before extraordinary items	$284,000	9,314
Extraordinary gains, net	$0	249
Net income	$284,000	9,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	10,519
Cash dividends	$91,000	7,099
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$285,000	9,370
1993-12-31 (YTD Data)		Rank
Total interest income	$1,745,000	10,715
Total interest expense	$769,000	10,212
Net interest income	$976,000	10,869
Provision for loan and lease losses	$-102,000	12,917
Total noninterest income	$138,000	10,455
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$106,000	8,210
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	11,170
Total noninterest expense	$908,000	10,162
Salaries and employee benefits	$494,000	9,732
Premises and equipment expense	$97,000	10,539
Additional noninterest expense	$317,000	10,230
Pre-tax net operating income	$308,000	10,170
Securities gains (losses)	$-11,000	12,798
Applicable income taxes	$91,000	9,959
Income before extraordinary items	$206,000	10,572
Extraordinary gains, net	$34,000	2,416
Net income	$240,000	10,302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	11,621
Cash dividends	$90,000	7,115
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$213,590	10,252
1992-12-31 (YTD Data)		Rank
Total interest income	$1,903,000	11,090
Total interest expense	$959,000	10,585
Net interest income	$944,000	11,325
Provision for loan and lease losses	$0	11,756
Total noninterest income	$133,000	10,851
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$99,000	8,548
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	11,488
Total noninterest expense	$927,000	10,321
Salaries and employee benefits	$485,000	9,921
Premises and equipment expense	$96,000	10,873
Additional noninterest expense	$346,000	10,250
Pre-tax net operating income	$150,000	11,532
Securities gains (losses)	$4,000	7,235
Applicable income taxes	$20,000	12,109
Income before extraordinary items	$134,000	11,487
Extraordinary gains, net	$0	1,422
Net income	$134,000	11,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	7,390
Cash dividends	$158,000	5,652
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$130,520	11,213

* 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.