Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,966,000 | 2,598 |
| Total interest expense | $5,844,000 | 2,035 |
| Net interest income | $5,122,000 | 3,199 |
| Provision for loan and lease losses | $72,000 | 4,622 |
| Total noninterest income | $507,000 | 4,441 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $269,000 | 3,786 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $238,000 | 4,179 |
| Total noninterest expense | $4,125,000 | 3,094 |
| Salaries and employee benefits | $2,149,000 | 3,256 |
| Premises and equipment expense | $552,000 | 3,214 |
| Additional noninterest expense | $1,424,000 | 2,680 |
| Pre-tax net operating income | $1,432,000 | 3,893 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $280,000 | 3,676 |
| Income before extraordinary items | $1,152,000 | 3,834 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,152,000 | 3,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,053 |
| Cash dividends | $946,000 | 2,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,152,000 | 3,819 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,149,000 | 2,618 |
| Total interest expense | $3,653,000 | 2,059 |
| Net interest income | $3,496,000 | 3,136 |
| Provision for loan and lease losses | $48,000 | 4,517 |
| Total noninterest income | $340,000 | 4,428 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $247,000 | 3,082 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $93,000 | 5,283 |
| Total noninterest expense | $2,760,000 | 3,083 |
| Salaries and employee benefits | $1,436,000 | 3,259 |
| Premises and equipment expense | $365,000 | 3,214 |
| Additional noninterest expense | $959,000 | 2,669 |
| Pre-tax net operating income | $1,028,000 | 3,742 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $215,000 | 3,521 |
| Income before extraordinary items | $813,000 | 3,714 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $813,000 | 3,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 7,997 |
| Cash dividends | $631,000 | 2,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $813,000 | 3,710 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,469,000 | 2,633 |
| Total interest expense | $1,740,000 | 2,050 |
| Net interest income | $1,729,000 | 3,163 |
| Provision for loan and lease losses | $24,000 | 4,343 |
| Total noninterest income | $175,000 | 4,277 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $76,000 | 4,048 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $99,000 | 3,720 |
| Total noninterest expense | $1,364,000 | 3,129 |
| Salaries and employee benefits | $707,000 | 3,303 |
| Premises and equipment expense | $190,000 | 3,138 |
| Additional noninterest expense | $467,000 | 2,706 |
| Pre-tax net operating income | $516,000 | 3,663 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $110,000 | 3,471 |
| Income before extraordinary items | $406,000 | 3,674 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $406,000 | 3,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,116 |
| Cash dividends | $315,000 | 1,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $406,000 | 3,657 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,906,000 | 2,555 |
| Total interest expense | $6,188,000 | 1,833 |
| Net interest income | $6,718,000 | 3,142 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $787,000 | 4,078 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $433,000 | 3,366 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $354,000 | 3,993 |
| Total noninterest expense | $5,479,000 | 2,989 |
| Salaries and employee benefits | $2,981,000 | 2,979 |
| Premises and equipment expense | $666,000 | 3,369 |
| Additional noninterest expense | $1,832,000 | 2,718 |
| Pre-tax net operating income | $1,906,000 | 3,807 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $421,000 | 3,627 |
| Income before extraordinary items | $1,485,000 | 3,806 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,485,000 | 3,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 1,802 |
| Cash dividends | $1,263,000 | 2,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,485,000 | 3,771 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,625,000 | 2,505 |
| Total interest expense | $4,648,000 | 1,731 |
| Net interest income | $4,977,000 | 3,156 |
| Provision for loan and lease losses | $54,000 | 5,082 |
| Total noninterest income | $533,000 | 4,363 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $327,000 | 3,365 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $206,000 | 4,551 |
| Total noninterest expense | $4,000,000 | 3,026 |
| Salaries and employee benefits | $2,179,000 | 3,011 |
| Premises and equipment expense | $499,000 | 3,362 |
| Additional noninterest expense | $1,322,000 | 2,784 |
| Pre-tax net operating income | $1,456,000 | 3,839 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $340,000 | 3,569 |
| Income before extraordinary items | $1,116,000 | 3,869 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,116,000 | 3,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 1,461 |
| Cash dividends | $947,000 | 1,885 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,116,000 | 3,827 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,427,000 | 2,447 |
| Total interest expense | $3,089,000 | 1,642 |
| Net interest income | $3,338,000 | 3,115 |
| Provision for loan and lease losses | $36,000 | 4,958 |
| Total noninterest income | $353,000 | 4,344 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $262,000 | 2,907 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $91,000 | 5,365 |
| Total noninterest expense | $2,642,000 | 3,039 |
| Salaries and employee benefits | $1,417,000 | 3,080 |
| Premises and equipment expense | $327,000 | 3,379 |
| Additional noninterest expense | $898,000 | 2,705 |
| Pre-tax net operating income | $1,013,000 | 3,665 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $240,000 | 3,477 |
| Income before extraordinary items | $773,000 | 3,706 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $773,000 | 3,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,769 |
| Cash dividends | $632,000 | 1,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $773,000 | 3,662 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,181,000 | 2,426 |
| Total interest expense | $1,538,000 | 1,552 |
| Net interest income | $1,643,000 | 3,150 |
| Provision for loan and lease losses | $18,000 | 4,743 |
| Total noninterest income | $180,000 | 4,243 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $134,000 | 2,786 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $46,000 | 5,356 |
| Total noninterest expense | $1,302,000 | 3,088 |
| Salaries and employee benefits | $697,000 | 3,134 |
| Premises and equipment expense | $157,000 | 3,521 |
| Additional noninterest expense | $448,000 | 2,700 |
| Pre-tax net operating income | $503,000 | 3,661 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $120,000 | 3,471 |
| Income before extraordinary items | $383,000 | 3,722 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $383,000 | 3,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 1,622 |
| Cash dividends | $315,000 | 1,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $383,000 | 3,683 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,253,000 | 2,349 |
| Total interest expense | $5,332,000 | 1,534 |
| Net interest income | $6,921,000 | 2,916 |
| Provision for loan and lease losses | $72,000 | 5,454 |
| Total noninterest income | $887,000 | 3,809 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $612,000 | 2,664 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $275,000 | 4,433 |
| Total noninterest expense | $4,828,000 | 3,220 |
| Salaries and employee benefits | $2,651,000 | 3,189 |
| Premises and equipment expense | $561,000 | 3,739 |
| Additional noninterest expense | $1,616,000 | 2,950 |
| Pre-tax net operating income | $2,908,000 | 2,658 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $815,000 | 2,498 |
| Income before extraordinary items | $2,093,000 | 2,807 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,093,000 | 2,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,895 |
| Cash dividends | $1,263,000 | 1,965 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,093,000 | 2,743 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,161,000 | 2,324 |
| Total interest expense | $3,804,000 | 1,589 |
| Net interest income | $5,357,000 | 2,806 |
| Provision for loan and lease losses | $54,000 | 5,285 |
| Total noninterest income | $579,000 | 4,173 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $426,000 | 2,848 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $153,000 | 5,081 |
| Total noninterest expense | $3,484,000 | 3,309 |
| Salaries and employee benefits | $1,937,000 | 3,226 |
| Premises and equipment expense | $397,000 | 3,897 |
| Additional noninterest expense | $1,150,000 | 3,059 |
| Pre-tax net operating income | $2,398,000 | 2,479 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $675,000 | 2,380 |
| Income before extraordinary items | $1,723,000 | 2,639 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,723,000 | 2,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,694 |
| Cash dividends | $948,000 | 1,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,723,000 | 2,573 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,948,000 | 2,371 |
| Total interest expense | $2,469,000 | 1,609 |
| Net interest income | $3,479,000 | 2,870 |
| Provision for loan and lease losses | $36,000 | 5,137 |
| Total noninterest income | $389,000 | 4,157 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $288,000 | 2,804 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $101,000 | 5,138 |
| Total noninterest expense | $2,296,000 | 3,364 |
| Salaries and employee benefits | $1,294,000 | 3,229 |
| Premises and equipment expense | $262,000 | 3,931 |
| Additional noninterest expense | $740,000 | 3,160 |
| Pre-tax net operating income | $1,536,000 | 2,541 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $435,000 | 2,425 |
| Income before extraordinary items | $1,101,000 | 2,713 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,101,000 | 2,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $632,000 | 1,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,101,000 | 2,635 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,934,000 | 2,398 |
| Total interest expense | $1,243,000 | 1,620 |
| Net interest income | $1,691,000 | 2,937 |
| Provision for loan and lease losses | $18,000 | 4,919 |
| Total noninterest income | $204,000 | 4,016 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $154,000 | 2,620 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $50,000 | 5,122 |
| Total noninterest expense | $1,147,000 | 3,353 |
| Salaries and employee benefits | $644,000 | 3,253 |
| Premises and equipment expense | $131,000 | 3,970 |
| Additional noninterest expense | $372,000 | 3,116 |
| Pre-tax net operating income | $730,000 | 2,624 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $205,000 | 2,536 |
| Income before extraordinary items | $525,000 | 2,822 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $525,000 | 2,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $317,000 | 1,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $525,000 | 2,726 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,306,000 | 2,343 |
| Total interest expense | $5,159,000 | 1,740 |
| Net interest income | $7,147,000 | 2,701 |
| Provision for loan and lease losses | $1,009,000 | 1,174 |
| Total noninterest income | $822,000 | 4,177 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $592,000 | 2,718 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $230,000 | 5,002 |
| Total noninterest expense | $4,519,000 | 3,333 |
| Salaries and employee benefits | $2,530,000 | 3,245 |
| Premises and equipment expense | $518,000 | 3,963 |
| Additional noninterest expense | $1,471,000 | 3,144 |
| Pre-tax net operating income | $2,441,000 | 2,940 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $706,000 | 2,783 |
| Income before extraordinary items | $1,735,000 | 3,193 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,735,000 | 3,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,070 |
| Cash dividends | $1,176,000 | 2,100 |
| Sale, conversion, retirement of capital stock, net | $-8,000 | 9,060 |
| Net operating income | $1,735,000 | 3,050 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,320,000 | 2,358 |
| Total interest expense | $3,883,000 | 1,797 |
| Net interest income | $5,437,000 | 2,679 |
| Provision for loan and lease losses | $991,000 | 907 |
| Total noninterest income | $561,000 | 4,424 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $421,000 | 2,847 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $140,000 | 5,475 |
| Total noninterest expense | $3,341,000 | 3,365 |
| Salaries and employee benefits | $1,825,000 | 3,338 |
| Premises and equipment expense | $402,000 | 3,837 |
| Additional noninterest expense | $1,114,000 | 3,096 |
| Pre-tax net operating income | $1,666,000 | 3,262 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $465,000 | 3,154 |
| Income before extraordinary items | $1,201,000 | 3,502 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,201,000 | 3,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,234 |
| Cash dividends | $861,000 | 1,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,201,000 | 3,332 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,310,000 | 2,324 |
| Total interest expense | $2,590,000 | 1,859 |
| Net interest income | $3,720,000 | 2,615 |
| Provision for loan and lease losses | $36,000 | 5,560 |
| Total noninterest income | $370,000 | 4,433 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $275,000 | 2,846 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $95,000 | 5,412 |
| Total noninterest expense | $2,206,000 | 3,392 |
| Salaries and employee benefits | $1,209,000 | 3,346 |
| Premises and equipment expense | $268,000 | 3,827 |
| Additional noninterest expense | $729,000 | 3,124 |
| Pre-tax net operating income | $1,848,000 | 2,181 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $560,000 | 2,154 |
| Income before extraordinary items | $1,288,000 | 2,411 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,288,000 | 2,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,535 |
| Cash dividends | $573,000 | 1,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,288,000 | 2,282 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,218,000 | 2,291 |
| Total interest expense | $1,297,000 | 1,898 |
| Net interest income | $1,921,000 | 2,524 |
| Provision for loan and lease losses | $18,000 | 5,381 |
| Total noninterest income | $190,000 | 4,295 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $142,000 | 2,695 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $48,000 | 5,346 |
| Total noninterest expense | $1,100,000 | 3,385 |
| Salaries and employee benefits | $603,000 | 3,353 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $361,000 | 3,108 |
| Pre-tax net operating income | $993,000 | 2,055 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $300,000 | 2,054 |
| Income before extraordinary items | $693,000 | 2,210 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $693,000 | 2,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $287,000 | 1,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $693,000 | 2,093 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,408,000 | 2,301 |
| Total interest expense | $5,751,000 | 1,974 |
| Net interest income | $7,657,000 | 2,498 |
| Provision for loan and lease losses | $72,000 | 6,236 |
| Total noninterest income | $766,000 | 4,107 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $575,000 | 2,651 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $191,000 | 5,130 |
| Total noninterest expense | $4,378,000 | 3,299 |
| Salaries and employee benefits | $2,521,000 | 3,098 |
| Premises and equipment expense | $464,000 | 4,175 |
| Additional noninterest expense | $1,393,000 | 3,148 |
| Pre-tax net operating income | $3,973,000 | 2,002 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,253,000 | 1,886 |
| Income before extraordinary items | $2,720,000 | 2,193 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,720,000 | 2,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,568 |
| Cash dividends | $1,097,000 | 2,085 |
| Sale, conversion, retirement of capital stock, net | $-7,000 | 9,206 |
| Net operating income | $2,720,000 | 2,124 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,266,000 | 2,400 |
| Total interest expense | $8,361,000 | 1,938 |
| Net interest income | $5,905,000 | 2,978 |
| Provision for loan and lease losses | $72,000 | 6,148 |
| Total noninterest income | $494,000 | 5,103 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $423,000 | 3,239 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $71,000 | 7,088 |
| Total noninterest expense | $3,690,000 | 3,670 |
| Salaries and employee benefits | $2,027,000 | 3,558 |
| Premises and equipment expense | $328,000 | 5,245 |
| Additional noninterest expense | $1,335,000 | 3,189 |
| Pre-tax net operating income | $2,637,000 | 2,560 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $804,000 | 2,418 |
| Income before extraordinary items | $1,833,000 | 2,741 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,833,000 | 2,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,867 |
| Cash dividends | $997,000 | 2,283 |
| Sale, conversion, retirement of capital stock, net | $-8,000 | 9,443 |
| Net operating income | $1,833,000 | 2,650 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,849,000 | 2,518 |
| Total interest expense | $8,100,000 | 2,121 |
| Net interest income | $5,749,000 | 3,063 |
| Provision for loan and lease losses | $72,000 | 5,921 |
| Total noninterest income | $385,000 | 5,622 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $253,000 | 4,496 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $132,000 | 5,785 |
| Total noninterest expense | $2,861,000 | 4,395 |
| Salaries and employee benefits | $1,481,000 | 4,402 |
| Premises and equipment expense | $246,000 | 6,112 |
| Additional noninterest expense | $1,134,000 | 3,618 |
| Pre-tax net operating income | $3,201,000 | 2,256 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $983,000 | 2,154 |
| Income before extraordinary items | $2,218,000 | 2,319 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,218,000 | 2,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,361 |
| Cash dividends | $906,000 | 2,451 |
| Sale, conversion, retirement of capital stock, net | $-6,000 | 9,730 |
| Net operating income | $2,218,000 | 2,326 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,732,000 | 2,384 |
| Total interest expense | $7,779,000 | 1,930 |
| Net interest income | $5,953,000 | 2,949 |
| Provision for loan and lease losses | $72,000 | 5,852 |
| Total noninterest income | $359,000 | 5,929 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $239,000 | 4,643 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $120,000 | 6,180 |
| Total noninterest expense | $2,769,000 | 4,508 |
| Salaries and employee benefits | $1,376,000 | 4,654 |
| Premises and equipment expense | $231,000 | 6,323 |
| Additional noninterest expense | $1,162,000 | 3,539 |
| Pre-tax net operating income | $3,471,000 | 2,113 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,080,000 | 2,089 |
| Income before extraordinary items | $2,391,000 | 2,192 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,391,000 | 2,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,548 |
| Cash dividends | $679,000 | 2,953 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,391,000 | 2,163 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,615,000 | 1,944 |
| Total interest expense | $10,195,000 | 1,497 |
| Net interest income | $6,420,000 | 2,673 |
| Provision for loan and lease losses | $72,000 | 5,801 |
| Total noninterest income | $383,000 | 5,758 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $260,000 | 4,367 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $123,000 | 6,149 |
| Total noninterest expense | $3,114,000 | 3,985 |
| Salaries and employee benefits | $1,509,000 | 4,215 |
| Premises and equipment expense | $223,000 | 6,369 |
| Additional noninterest expense | $1,382,000 | 2,985 |
| Pre-tax net operating income | $3,617,000 | 2,007 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,155,000 | 2,060 |
| Income before extraordinary items | $2,462,000 | 2,113 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,462,000 | 2,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $658,000 | 2,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,462,000 | 2,048 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,939,000 | 1,578 |
| Total interest expense | $12,854,000 | 1,242 |
| Net interest income | $8,085,000 | 2,167 |
| Provision for loan and lease losses | $186,000 | 3,592 |
| Total noninterest income | $489,000 | 5,068 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $335,000 | 3,744 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $154,000 | 5,614 |
| Total noninterest expense | $3,794,000 | 3,335 |
| Salaries and employee benefits | $1,788,000 | 3,665 |
| Premises and equipment expense | $260,000 | 5,919 |
| Additional noninterest expense | $1,746,000 | 2,369 |
| Pre-tax net operating income | $4,594,000 | 1,672 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,508,000 | 1,699 |
| Income before extraordinary items | $3,086,000 | 1,722 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,086,000 | 1,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,811 |
| Cash dividends | $821,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,086,000 | 1,688 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,733,000 | 1,910 |
| Total interest expense | $10,096,000 | 1,575 |
| Net interest income | $7,637,000 | 2,365 |
| Provision for loan and lease losses | $250,000 | 2,928 |
| Total noninterest income | $469,000 | 5,386 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $320,000 | 4,027 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $149,000 | 5,991 |
| Total noninterest expense | $3,286,000 | 4,013 |
| Salaries and employee benefits | $1,512,000 | 4,275 |
| Premises and equipment expense | $228,000 | 6,562 |
| Additional noninterest expense | $1,546,000 | 3,045 |
| Pre-tax net operating income | $4,570,000 | 1,589 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,488,000 | 1,612 |
| Income before extraordinary items | $3,082,000 | 1,618 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,082,000 | 1,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,431 |
| Cash dividends | $814,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,082,000 | 1,582 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,290,000 | 2,207 |
| Total interest expense | $8,693,000 | 1,822 |
| Net interest income | $6,597,000 | 2,703 |
| Provision for loan and lease losses | $210,000 | 2,900 |
| Total noninterest income | $483,000 | 5,310 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $305,000 | 4,239 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $178,000 | 5,476 |
| Total noninterest expense | $3,334,000 | 3,918 |
| Salaries and employee benefits | $1,404,000 | 4,550 |
| Premises and equipment expense | $228,000 | 6,692 |
| Additional noninterest expense | $1,702,000 | 2,749 |
| Pre-tax net operating income | $3,536,000 | 2,076 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,135,000 | 2,125 |
| Income before extraordinary items | $2,401,000 | 2,107 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,401,000 | 2,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,140 |
| Cash dividends | $741,000 | 2,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,401,000 | 2,070 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,428,000 | 2,441 |
| Total interest expense | $6,679,000 | 1,877 |
| Net interest income | $5,749,000 | 3,114 |
| Provision for loan and lease losses | $210,000 | 2,926 |
| Total noninterest income | $492,000 | 5,351 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $303,000 | 4,324 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $189,000 | 5,455 |
| Total noninterest expense | $3,383,000 | 3,960 |
| Salaries and employee benefits | $1,373,000 | 4,650 |
| Premises and equipment expense | $223,000 | 7,003 |
| Additional noninterest expense | $1,787,000 | 2,852 |
| Pre-tax net operating income | $2,648,000 | 2,683 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $792,000 | 2,792 |
| Income before extraordinary items | $1,851,000 | 2,624 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,851,000 | 2,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,750 |
| Cash dividends | $680,000 | 2,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,854,500 | 2,640 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,720,000 | 2,893 |
| Total interest expense | $6,254,000 | 2,069 |
| Net interest income | $4,466,000 | 3,974 |
| Provision for loan and lease losses | $154,000 | 4,583 |
| Total noninterest income | $452,000 | 5,980 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $289,000 | 4,568 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $163,000 | 6,291 |
| Total noninterest expense | $3,247,000 | 4,200 |
| Salaries and employee benefits | $1,328,000 | 4,790 |
| Premises and equipment expense | $230,000 | 7,093 |
| Additional noninterest expense | $1,689,000 | 3,157 |
| Pre-tax net operating income | $1,517,000 | 4,279 |
| Securities gains (losses) | $44,000 | 3,595 |
| Applicable income taxes | $471,000 | 4,396 |
| Income before extraordinary items | $1,090,000 | 4,359 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,090,000 | 4,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,927 |
| Cash dividends | $680,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,059,200 | 4,233 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,965,000 | 3,198 |
| Total interest expense | $6,615,000 | 2,554 |
| Net interest income | $4,350,000 | 4,133 |
| Provision for loan and lease losses | $430,000 | 3,303 |
| Total noninterest income | $421,000 | 6,348 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $282,000 | 4,672 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $139,000 | 6,908 |
| Total noninterest expense | $3,047,000 | 4,467 |
| Salaries and employee benefits | $1,201,000 | 5,155 |
| Premises and equipment expense | $208,000 | 7,656 |
| Additional noninterest expense | $1,638,000 | 3,335 |
| Pre-tax net operating income | $1,294,000 | 4,623 |
| Securities gains (losses) | $1,024,000 | 639 |
| Applicable income taxes | $695,000 | 3,003 |
| Income before extraordinary items | $1,623,000 | 2,832 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,623,000 | 2,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 4,125 |
| Cash dividends | $679,000 | 2,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $906,200 | 4,588 |
* 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.