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First National Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$47,418,000	731
Total interest expense	$20,172,000	811
Net interest income	$27,246,000	663
Provision for loan and lease losses	$10,675,000	223
Total noninterest income	$9,160,000	646
Gross Fiduciary activities income	$1,562,000	329
Service charges on deposit accounts	$1,662,000	886
Trading account gains and fees	$0	177
Additional Noninterest Income	$5,936,000	583
Total noninterest expense	$33,945,000	497
Salaries and employee benefits	$17,296,000	460
Premises and equipment expense	$5,998,000	393
Additional noninterest expense	$10,651,000	551
Pre-tax net operating income	$-8,214,000	9,585
Securities gains (losses)	$112,000	1,663
Applicable income taxes	$-3,241,000	9,587
Income before extraordinary items	$-4,861,000	9,569
Extraordinary gains, net	$0	105
Net income	$-4,861,000	9,569
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,713,000	254
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$8,645,000	89
Net operating income	$-4,932,680	9,560
2000-12-31 (YTD Data)		Rank
Total interest income	$56,374,000	654
Total interest expense	$26,886,000	684
Net interest income	$29,488,000	620
Provision for loan and lease losses	$7,705,000	233
Total noninterest income	$7,740,000	692
Gross Fiduciary activities income	$1,117,000	403
Service charges on deposit accounts	$1,051,000	1,296
Trading account gains and fees	$635,000	85
Additional Noninterest Income	$4,937,000	637
Total noninterest expense	$27,778,000	573
Salaries and employee benefits	$14,967,000	486
Premises and equipment expense	$5,092,000	447
Additional noninterest expense	$7,719,000	689
Pre-tax net operating income	$1,745,000	3,644
Securities gains (losses)	$185,000	427
Applicable income taxes	$757,000	2,620
Income before extraordinary items	$1,173,000	3,927
Extraordinary gains, net	$0	38
Net income	$1,173,000	3,928
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,256,000	222
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,054,600	4,235
1999-12-31 (YTD Data)		Rank
Total interest income	$39,438,000	863
Total interest expense	$17,672,000	895
Net interest income	$21,766,000	808
Provision for loan and lease losses	$1,850,000	600
Total noninterest income	$6,503,000	789
Gross Fiduciary activities income	$870,000	492
Service charges on deposit accounts	$1,365,000	977
Trading account gains and fees	$545,000	94
Additional Noninterest Income	$3,723,000	778
Total noninterest expense	$25,163,000	637
Salaries and employee benefits	$13,666,000	537
Premises and equipment expense	$4,477,000	504
Additional noninterest expense	$7,020,000	773
Pre-tax net operating income	$1,256,000	4,632
Securities gains (losses)	$312,000	441
Applicable income taxes	$-2,780,000	10,205
Income before extraordinary items	$4,348,000	1,252
Extraordinary gains, net	$0	35
Net income	$4,348,000	1,251
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-131,000	10,081
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$8,045,000	120
Net operating income	$4,036,000	1,323
1998-12-31 (YTD Data)		Rank
Total interest income	$33,250,000	990
Total interest expense	$15,718,000	1,011
Net interest income	$17,532,000	960
Provision for loan and lease losses	$-600,000	10,415
Total noninterest income	$6,595,000	770
Gross Fiduciary activities income	$788,000	516
Service charges on deposit accounts	$1,137,000	1,113
Trading account gains and fees	$373,000	114
Additional Noninterest Income	$4,297,000	717
Total noninterest expense	$21,095,000	705
Salaries and employee benefits	$11,688,000	606
Premises and equipment expense	$3,676,000	589
Additional noninterest expense	$5,731,000	874
Pre-tax net operating income	$3,632,000	1,994
Securities gains (losses)	$1,198,000	341
Applicable income taxes	$1,328,000	1,816
Income before extraordinary items	$3,502,000	1,507
Extraordinary gains, net	$0	32
Net income	$3,502,000	1,506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-451,000	10,414
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,627,460	1,917
1997-12-31 (YTD Data)		Rank
Total interest income	$25,064,000	1,326
Total interest expense	$9,762,000	1,583
Net interest income	$15,302,000	1,150
Provision for loan and lease losses	$-600,000	10,875
Total noninterest income	$4,281,000	1,025
Gross Fiduciary activities income	$391,000	742
Service charges on deposit accounts	$892,000	1,444
Trading account gains and fees	$117,000	158
Additional Noninterest Income	$2,881,000	861
Total noninterest expense	$16,562,000	864
Salaries and employee benefits	$9,099,000	755
Premises and equipment expense	$2,857,000	722
Additional noninterest expense	$4,606,000	1,033
Pre-tax net operating income	$3,621,000	2,078
Securities gains (losses)	$-84,000	10,737
Applicable income taxes	$-2,097,000	10,903
Income before extraordinary items	$5,634,000	991
Extraordinary gains, net	$0	44
Net income	$5,634,000	992
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-220,000	10,830
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$5,718,000	950
1996-12-31 (YTD Data)		Rank
Total interest income	$22,929,000	1,472
Total interest expense	$8,692,000	1,815
Net interest income	$14,237,000	1,260
Provision for loan and lease losses	$205,000	3,345
Total noninterest income	$3,520,000	1,216
Gross Fiduciary activities income	$334,000	828
Service charges on deposit accounts	$945,000	1,427
Trading account gains and fees	$0	262
Additional Noninterest Income	$2,241,000	1,065
Total noninterest expense	$20,144,000	786
Salaries and employee benefits	$9,239,000	754
Premises and equipment expense	$3,316,000	675
Additional noninterest expense	$7,589,000	841
Pre-tax net operating income	$-2,592,000	11,415
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$66,000	9,389
Income before extraordinary items	$-2,656,000	11,411
Extraordinary gains, net	$0	53
Net income	$-2,656,000	11,411
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,922,000	589
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$3,005,000	226
Net operating income	$-2,658,000	11,404
1995-12-31 (YTD Data)		Rank
Total interest income	$12,900,000	2,586
Total interest expense	$5,410,000	2,826
Net interest income	$7,490,000	2,402
Provision for loan and lease losses	$0	8,958
Total noninterest income	$1,072,000	2,950
Gross Fiduciary activities income	$285,000	918
Service charges on deposit accounts	$262,000	4,777
Trading account gains and fees	$0	522
Additional Noninterest Income	$525,000	2,780
Total noninterest expense	$9,965,000	1,423
Salaries and employee benefits	$4,684,000	1,413
Premises and equipment expense	$1,753,000	1,190
Additional noninterest expense	$3,528,000	1,475
Pre-tax net operating income	$-1,403,000	11,903
Securities gains (losses)	$25,000	1,741
Applicable income taxes	$2,000	11,074
Income before extraordinary items	$-1,380,000	11,880
Extraordinary gains, net	$0	65
Net income	$-1,380,000	11,879
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,919,000	585
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$-1,405,000	11,879
1994-12-31 (YTD Data)		Rank
Total interest income	$11,945,000	2,535
Total interest expense	$4,027,000	3,036
Net interest income	$7,918,000	2,275
Provision for loan and lease losses	$-197,000	12,310
Total noninterest income	$1,652,000	2,123
Gross Fiduciary activities income	$279,000	930
Service charges on deposit accounts	$323,000	4,103
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,050,000	1,782
Total noninterest expense	$10,744,000	1,361
Salaries and employee benefits	$4,828,000	1,398
Premises and equipment expense	$2,013,000	1,056
Additional noninterest expense	$3,903,000	1,437
Pre-tax net operating income	$-977,000	12,451
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$2,000	11,553
Income before extraordinary items	$-981,000	12,423
Extraordinary gains, net	$0	249
Net income	$-981,000	12,419
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,102,000	541
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-979,000	12,421
1993-12-31 (YTD Data)		Rank
Total interest income	$14,159,000	2,196
Total interest expense	$5,260,000	2,462
Net interest income	$8,899,000	2,032
Provision for loan and lease losses	$-1,308,000	13,239
Total noninterest income	$1,503,000	2,444
Gross Fiduciary activities income	$229,000	1,028
Service charges on deposit accounts	$491,000	2,845
Trading account gains and fees	$0	532
Additional Noninterest Income	$783,000	2,417
Total noninterest expense	$15,692,000	1,009
Salaries and employee benefits	$5,859,000	1,156
Premises and equipment expense	$3,070,000	753
Additional noninterest expense	$6,763,000	1,001
Pre-tax net operating income	$-3,982,000	13,159
Securities gains (losses)	$0	7,477
Applicable income taxes	$1,000	12,075
Income before extraordinary items	$-3,983,000	13,148
Extraordinary gains, net	$-300,000	13,104
Net income	$-4,283,000	13,150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,555,000	439
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$7,546,000	151
Net operating income	$-3,983,000	13,132
1992-12-31 (YTD Data)		Rank
Total interest income	$23,357,000	1,553
Total interest expense	$8,965,000	1,890
Net interest income	$14,392,000	1,294
Provision for loan and lease losses	$7,675,000	447
Total noninterest income	$11,313,000	553
Gross Fiduciary activities income	$219,000	1,057
Service charges on deposit accounts	$943,000	1,421
Trading account gains and fees	$0	504
Additional Noninterest Income	$10,151,000	442
Total noninterest expense	$34,615,000	543
Salaries and employee benefits	$11,318,000	640
Premises and equipment expense	$5,171,000	498
Additional noninterest expense	$18,126,000	490
Pre-tax net operating income	$-16,585,000	13,908
Securities gains (losses)	$0	8,369
Applicable income taxes	$-1,894,000	13,868
Income before extraordinary items	$-14,691,000	13,885
Extraordinary gains, net	$-16,025,000	13,929
Net income	$-30,716,000	13,908
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,677,000	319
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-14,691,000	13,869

* 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.