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First National Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,466,000	10,161
Total interest expense	$685,000	10,011
Net interest income	$781,000	10,159
Provision for loan and lease losses	$0	9,041
Total noninterest income	$109,000	9,722
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$82,000	7,938
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	10,012
Total noninterest expense	$585,000	10,225
Salaries and employee benefits	$272,000	10,565
Premises and equipment expense	$118,000	8,844
Additional noninterest expense	$195,000	9,992
Pre-tax net operating income	$305,000	9,099
Securities gains (losses)	$0	4,148
Applicable income taxes	$108,000	8,626
Income before extraordinary items	$197,000	9,325
Extraordinary gains, net	$0	53
Net income	$197,000	9,328
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	7,102
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$197,000	9,268
1995-12-31 (YTD Data)		Rank
Total interest income	$1,495,000	10,539
Total interest expense	$691,000	10,349
Net interest income	$804,000	10,520
Provision for loan and lease losses	$0	8,958
Total noninterest income	$99,000	10,299
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	8,484
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	10,586
Total noninterest expense	$574,000	10,687
Salaries and employee benefits	$274,000	10,966
Premises and equipment expense	$122,000	8,993
Additional noninterest expense	$178,000	10,714
Pre-tax net operating income	$329,000	9,541
Securities gains (losses)	$-1,000	9,017
Applicable income taxes	$66,000	9,861
Income before extraordinary items	$262,000	9,308
Extraordinary gains, net	$0	65
Net income	$262,000	9,313
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,925
Cash dividends	$235,000	5,138
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$262,800	9,279
1994-12-31 (YTD Data)		Rank
Total interest income	$1,287,000	11,169
Total interest expense	$548,000	10,863
Net interest income	$739,000	11,252
Provision for loan and lease losses	$0	9,146
Total noninterest income	$112,000	10,477
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	8,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	10,653
Total noninterest expense	$574,000	11,254
Salaries and employee benefits	$265,000	11,523
Premises and equipment expense	$117,000	9,478
Additional noninterest expense	$192,000	11,243
Pre-tax net operating income	$277,000	10,300
Securities gains (losses)	$0	3,600
Applicable income taxes	$15,000	11,265
Income before extraordinary items	$262,000	9,566
Extraordinary gains, net	$0	249
Net income	$262,000	9,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,944
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$262,000	9,620
1993-12-31 (YTD Data)		Rank
Total interest income	$1,221,000	11,846
Total interest expense	$526,000	11,558
Net interest income	$695,000	11,901
Provision for loan and lease losses	$0	10,371
Total noninterest income	$99,000	11,344
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	9,110
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	11,885
Total noninterest expense	$558,000	11,864
Salaries and employee benefits	$260,000	12,077
Premises and equipment expense	$115,000	9,950
Additional noninterest expense	$183,000	11,973
Pre-tax net operating income	$236,000	10,733
Securities gains (losses)	$15,000	5,022
Applicable income taxes	$80,000	10,214
Income before extraordinary items	$171,000	10,966
Extraordinary gains, net	$80,000	1,785
Net income	$251,000	10,168
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	7,654
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$160,800	10,869
1992-12-31 (YTD Data)		Rank
Total interest income	$1,372,000	12,250
Total interest expense	$655,000	12,047
Net interest income	$717,000	12,250
Provision for loan and lease losses	$122,000	6,674
Total noninterest income	$89,000	12,022
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	9,885
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$564,000	12,283
Salaries and employee benefits	$262,000	12,472
Premises and equipment expense	$93,000	10,996
Additional noninterest expense	$209,000	12,115
Pre-tax net operating income	$120,000	11,810
Securities gains (losses)	$66,000	3,674
Applicable income taxes	$56,000	11,086
Income before extraordinary items	$130,000	11,542
Extraordinary gains, net	$56,000	959
Net income	$186,000	10,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$128,000	5,269
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$4,000	1,110
Net operating income	$83,800	11,874

* 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.