Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,433,000 | 2,796 |
| Total interest expense | $3,208,000 | 2,412 |
| Net interest income | $5,225,000 | 3,036 |
| Provision for loan and lease losses | $3,610,000 | 231 |
| Total noninterest income | $910,000 | 3,123 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $283,000 | 3,698 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $627,000 | 2,491 |
| Total noninterest expense | $4,660,000 | 2,634 |
| Salaries and employee benefits | $2,132,000 | 3,089 |
| Premises and equipment expense | $459,000 | 3,590 |
| Additional noninterest expense | $2,069,000 | 1,805 |
| Pre-tax net operating income | $-2,135,000 | 8,817 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-885,000 | 8,840 |
| Income before extraordinary items | $-1,250,000 | 8,779 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,250,000 | 8,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,109,000 | 291 |
| Cash dividends | $144,000 | 4,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-1,250,000 | 8,760 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,705,000 | 2,712 |
| Total interest expense | $2,031,000 | 2,405 |
| Net interest income | $3,674,000 | 2,873 |
| Provision for loan and lease losses | $3,580,000 | 169 |
| Total noninterest income | $556,000 | 3,284 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $154,000 | 4,093 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $402,000 | 2,533 |
| Total noninterest expense | $2,919,000 | 2,774 |
| Salaries and employee benefits | $1,259,000 | 3,419 |
| Premises and equipment expense | $298,000 | 3,648 |
| Additional noninterest expense | $1,362,000 | 1,818 |
| Pre-tax net operating income | $-2,269,000 | 8,846 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-938,000 | 8,854 |
| Income before extraordinary items | $-1,331,000 | 8,830 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,331,000 | 8,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,138,000 | 214 |
| Cash dividends | $144,000 | 3,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-1,331,000 | 8,816 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,956,000 | 2,601 |
| Total interest expense | $1,005,000 | 2,327 |
| Net interest income | $1,951,000 | 2,708 |
| Provision for loan and lease losses | $3,050,000 | 114 |
| Total noninterest income | $269,000 | 3,304 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $81,000 | 3,899 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $188,000 | 2,577 |
| Total noninterest expense | $1,562,000 | 2,610 |
| Salaries and employee benefits | $684,000 | 3,189 |
| Premises and equipment expense | $153,000 | 3,594 |
| Additional noninterest expense | $725,000 | 1,698 |
| Pre-tax net operating income | $-2,392,000 | 8,921 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-987,000 | 8,922 |
| Income before extraordinary items | $-1,405,000 | 8,914 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-1,405,000 | 8,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,079,000 | 148 |
| Cash dividends | $145,000 | 2,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-1,405,000 | 8,904 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,551,000 | 2,487 |
| Total interest expense | $3,260,000 | 2,437 |
| Net interest income | $8,291,000 | 2,472 |
| Provision for loan and lease losses | $7,224,000 | 195 |
| Total noninterest income | $1,023,000 | 3,481 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $394,000 | 3,684 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $629,000 | 2,900 |
| Total noninterest expense | $5,787,000 | 2,742 |
| Salaries and employee benefits | $2,700,000 | 3,142 |
| Premises and equipment expense | $578,000 | 3,640 |
| Additional noninterest expense | $2,509,000 | 1,940 |
| Pre-tax net operating income | $-3,697,000 | 8,943 |
| Securities gains (losses) | $-26,000 | 8,443 |
| Applicable income taxes | $-1,464,000 | 8,951 |
| Income before extraordinary items | $-2,259,000 | 8,926 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,259,000 | 8,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,759,000 | 219 |
| Cash dividends | $1,073,000 | 2,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-2,242,360 | 8,911 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,287,000 | 2,548 |
| Total interest expense | $2,292,000 | 2,552 |
| Net interest income | $5,995,000 | 2,523 |
| Provision for loan and lease losses | $287,000 | 2,345 |
| Total noninterest income | $704,000 | 3,719 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $282,000 | 3,806 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $422,000 | 3,102 |
| Total noninterest expense | $4,308,000 | 2,725 |
| Salaries and employee benefits | $1,920,000 | 3,254 |
| Premises and equipment expense | $438,000 | 3,616 |
| Additional noninterest expense | $1,950,000 | 1,835 |
| Pre-tax net operating income | $2,104,000 | 2,757 |
| Securities gains (losses) | $-26,000 | 8,704 |
| Applicable income taxes | $763,000 | 2,175 |
| Income before extraordinary items | $1,315,000 | 3,321 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,315,000 | 3,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,698 |
| Cash dividends | $753,000 | 2,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,331,640 | 3,199 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,348,000 | 2,610 |
| Total interest expense | $1,474,000 | 2,615 |
| Net interest income | $3,874,000 | 2,566 |
| Provision for loan and lease losses | $266,000 | 1,749 |
| Total noninterest income | $479,000 | 3,673 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $191,000 | 3,759 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $288,000 | 3,058 |
| Total noninterest expense | $2,537,000 | 3,044 |
| Salaries and employee benefits | $1,214,000 | 3,409 |
| Premises and equipment expense | $284,000 | 3,710 |
| Additional noninterest expense | $1,039,000 | 2,314 |
| Pre-tax net operating income | $1,550,000 | 2,517 |
| Securities gains (losses) | $-26,000 | 8,833 |
| Applicable income taxes | $569,000 | 2,019 |
| Income before extraordinary items | $955,000 | 3,048 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $955,000 | 3,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,456 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $971,640 | 2,925 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,568,000 | 2,716 |
| Total interest expense | $744,000 | 2,628 |
| Net interest income | $1,824,000 | 2,716 |
| Provision for loan and lease losses | $125,000 | 1,741 |
| Total noninterest income | $230,000 | 3,711 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $90,000 | 3,830 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $140,000 | 3,060 |
| Total noninterest expense | $1,214,000 | 3,195 |
| Salaries and employee benefits | $589,000 | 3,531 |
| Premises and equipment expense | $142,000 | 3,735 |
| Additional noninterest expense | $483,000 | 2,444 |
| Pre-tax net operating income | $715,000 | 2,662 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $274,000 | 2,061 |
| Income before extraordinary items | $441,000 | 3,244 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $441,000 | 3,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 8,862 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $441,000 | 3,130 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,385,000 | 3,000 |
| Total interest expense | $3,183,000 | 2,716 |
| Net interest income | $6,202,000 | 3,095 |
| Provision for loan and lease losses | $457,000 | 2,320 |
| Total noninterest income | $887,000 | 3,982 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $407,000 | 3,605 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $480,000 | 3,656 |
| Total noninterest expense | $4,382,000 | 3,425 |
| Salaries and employee benefits | $2,268,000 | 3,539 |
| Premises and equipment expense | $494,000 | 4,100 |
| Additional noninterest expense | $1,620,000 | 2,870 |
| Pre-tax net operating income | $2,250,000 | 3,117 |
| Securities gains (losses) | $29,000 | 2,952 |
| Applicable income taxes | $854,000 | 2,417 |
| Income before extraordinary items | $1,425,000 | 3,685 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,425,000 | 3,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,916 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,406,440 | 3,561 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,887,000 | 3,099 |
| Total interest expense | $2,376,000 | 2,821 |
| Net interest income | $4,511,000 | 3,189 |
| Provision for loan and lease losses | $295,000 | 2,548 |
| Total noninterest income | $714,000 | 3,894 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $305,000 | 3,622 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $409,000 | 3,490 |
| Total noninterest expense | $3,171,000 | 3,532 |
| Salaries and employee benefits | $1,603,000 | 3,706 |
| Premises and equipment expense | $369,000 | 4,098 |
| Additional noninterest expense | $1,199,000 | 2,883 |
| Pre-tax net operating income | $1,759,000 | 3,124 |
| Securities gains (losses) | $28,000 | 2,745 |
| Applicable income taxes | $653,000 | 2,503 |
| Income before extraordinary items | $1,134,000 | 3,650 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,134,000 | 3,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,669 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,116,080 | 3,528 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,466,000 | 3,189 |
| Total interest expense | $1,608,000 | 2,862 |
| Net interest income | $2,858,000 | 3,332 |
| Provision for loan and lease losses | $170,000 | 2,817 |
| Total noninterest income | $485,000 | 3,809 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $197,000 | 3,662 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $288,000 | 3,379 |
| Total noninterest expense | $2,087,000 | 3,557 |
| Salaries and employee benefits | $1,054,000 | 3,754 |
| Premises and equipment expense | $231,000 | 4,294 |
| Additional noninterest expense | $802,000 | 2,861 |
| Pre-tax net operating income | $1,086,000 | 3,319 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $420,000 | 2,605 |
| Income before extraordinary items | $668,000 | 3,993 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $668,000 | 3,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,092 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $666,720 | 3,829 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,211,000 | 3,232 |
| Total interest expense | $805,000 | 2,927 |
| Net interest income | $1,406,000 | 3,352 |
| Provision for loan and lease losses | $130,000 | 1,956 |
| Total noninterest income | $217,000 | 3,964 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $90,000 | 3,801 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $127,000 | 3,502 |
| Total noninterest expense | $1,003,000 | 3,655 |
| Salaries and employee benefits | $493,000 | 3,949 |
| Premises and equipment expense | $101,000 | 4,667 |
| Additional noninterest expense | $409,000 | 2,799 |
| Pre-tax net operating income | $490,000 | 3,554 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $172,000 | 2,956 |
| Income before extraordinary items | $318,000 | 4,078 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $318,000 | 4,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $318,000 | 3,881 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,351,000 | 3,203 |
| Total interest expense | $3,623,000 | 2,999 |
| Net interest income | $5,728,000 | 3,263 |
| Provision for loan and lease losses | $592,000 | 2,102 |
| Total noninterest income | $599,000 | 4,738 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $436,000 | 3,324 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $163,000 | 5,433 |
| Total noninterest expense | $3,757,000 | 3,734 |
| Salaries and employee benefits | $1,805,000 | 4,081 |
| Premises and equipment expense | $539,000 | 3,728 |
| Additional noninterest expense | $1,413,000 | 3,105 |
| Pre-tax net operating income | $1,978,000 | 3,458 |
| Securities gains (losses) | $58,000 | 2,273 |
| Applicable income taxes | $702,000 | 2,839 |
| Income before extraordinary items | $1,334,000 | 3,822 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,334,000 | 3,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 2,654 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,295,720 | 3,788 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,056,000 | 3,623 |
| Total interest expense | $4,409,000 | 3,520 |
| Net interest income | $4,647,000 | 3,650 |
| Provision for loan and lease losses | $633,000 | 1,816 |
| Total noninterest income | $556,000 | 4,779 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $459,000 | 3,045 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $97,000 | 6,509 |
| Total noninterest expense | $3,168,000 | 4,152 |
| Salaries and employee benefits | $1,473,000 | 4,579 |
| Premises and equipment expense | $456,000 | 4,192 |
| Additional noninterest expense | $1,239,000 | 3,405 |
| Pre-tax net operating income | $1,402,000 | 4,042 |
| Securities gains (losses) | $261,000 | 983 |
| Applicable income taxes | $559,000 | 3,114 |
| Income before extraordinary items | $1,104,000 | 4,021 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,104,000 | 4,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 3,149 |
| Cash dividends | $245,000 | 4,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $931,740 | 4,353 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,932,000 | 4,619 |
| Total interest expense | $3,708,000 | 4,206 |
| Net interest income | $3,224,000 | 4,899 |
| Provision for loan and lease losses | $162,000 | 4,234 |
| Total noninterest income | $470,000 | 5,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $391,000 | 3,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 6,938 |
| Total noninterest expense | $2,309,000 | 5,143 |
| Salaries and employee benefits | $1,122,000 | 5,484 |
| Premises and equipment expense | $339,000 | 5,051 |
| Additional noninterest expense | $848,000 | 4,540 |
| Pre-tax net operating income | $1,223,000 | 4,670 |
| Securities gains (losses) | $7,000 | 1,253 |
| Applicable income taxes | $425,000 | 3,864 |
| Income before extraordinary items | $805,000 | 5,032 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $805,000 | 5,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,185 |
| Cash dividends | $300,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $800,450 | 5,045 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,082,000 | 4,902 |
| Total interest expense | $2,797,000 | 4,858 |
| Net interest income | $3,285,000 | 4,844 |
| Provision for loan and lease losses | $252,000 | 3,031 |
| Total noninterest income | $484,000 | 5,054 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $395,000 | 3,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 6,897 |
| Total noninterest expense | $2,179,000 | 5,362 |
| Salaries and employee benefits | $1,014,000 | 5,828 |
| Premises and equipment expense | $375,000 | 4,738 |
| Additional noninterest expense | $790,000 | 4,833 |
| Pre-tax net operating income | $1,338,000 | 4,434 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $425,000 | 4,001 |
| Income before extraordinary items | $913,000 | 4,703 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $913,000 | 4,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,604 |
| Cash dividends | $15,000 | 6,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $913,000 | 4,662 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,280,000 | 5,465 |
| Total interest expense | $2,439,000 | 5,457 |
| Net interest income | $2,841,000 | 5,341 |
| Provision for loan and lease losses | $192,000 | 3,596 |
| Total noninterest income | $497,000 | 4,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,213 |
| Total noninterest expense | $2,104,000 | 5,398 |
| Salaries and employee benefits | $903,000 | 6,195 |
| Premises and equipment expense | $330,000 | 5,081 |
| Additional noninterest expense | $871,000 | 4,398 |
| Pre-tax net operating income | $1,042,000 | 5,290 |
| Securities gains (losses) | $15,000 | 2,661 |
| Applicable income taxes | $346,000 | 4,788 |
| Income before extraordinary items | $711,000 | 5,565 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $711,000 | 5,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,996 |
| Cash dividends | $35,000 | 7,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $700,950 | 5,503 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,327,000 | 6,364 |
| Total interest expense | $1,957,000 | 6,347 |
| Net interest income | $2,370,000 | 6,261 |
| Provision for loan and lease losses | $195,000 | 3,507 |
| Total noninterest income | $407,000 | 5,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,650 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,985 |
| Total noninterest expense | $1,664,000 | 6,381 |
| Salaries and employee benefits | $733,000 | 7,124 |
| Premises and equipment expense | $271,000 | 5,790 |
| Additional noninterest expense | $660,000 | 5,454 |
| Pre-tax net operating income | $918,000 | 6,092 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $310,000 | 5,627 |
| Income before extraordinary items | $606,000 | 6,328 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $606,000 | 6,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,891 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 10,715 |
| Net operating income | $607,320 | 6,267 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,569,000 | 7,304 |
| Total interest expense | $1,626,000 | 7,265 |
| Net interest income | $1,943,000 | 7,269 |
| Provision for loan and lease losses | $146,000 | 4,145 |
| Total noninterest income | $440,000 | 5,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,647 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,512 |
| Total noninterest expense | $1,507,000 | 7,087 |
| Salaries and employee benefits | $624,000 | 7,975 |
| Premises and equipment expense | $406,000 | 4,483 |
| Additional noninterest expense | $477,000 | 7,232 |
| Pre-tax net operating income | $730,000 | 6,791 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $245,000 | 6,513 |
| Income before extraordinary items | $485,000 | 7,010 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $485,000 | 7,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,458 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 669 |
| Net operating income | $485,000 | 6,944 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,067,000 | 8,105 |
| Total interest expense | $1,373,000 | 8,049 |
| Net interest income | $1,694,000 | 8,039 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $369,000 | 6,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 5,124 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 6,308 |
| Total noninterest expense | $1,367,000 | 7,684 |
| Salaries and employee benefits | $578,000 | 8,505 |
| Premises and equipment expense | $326,000 | 5,292 |
| Additional noninterest expense | $463,000 | 7,577 |
| Pre-tax net operating income | $606,000 | 7,844 |
| Securities gains (losses) | $21,000 | 1,877 |
| Applicable income taxes | $220,000 | 7,096 |
| Income before extraordinary items | $407,000 | 7,996 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $407,000 | 7,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,176 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 561 |
| Net operating income | $393,350 | 8,098 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,457,000 | 8,979 |
| Total interest expense | $938,000 | 8,955 |
| Net interest income | $1,519,000 | 8,835 |
| Provision for loan and lease losses | $125,000 | 3,960 |
| Total noninterest income | $297,000 | 7,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 6,254 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 7,005 |
| Total noninterest expense | $1,187,000 | 8,652 |
| Salaries and employee benefits | $513,000 | 9,269 |
| Premises and equipment expense | $208,000 | 7,250 |
| Additional noninterest expense | $466,000 | 8,188 |
| Pre-tax net operating income | $504,000 | 8,624 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $188,000 | 7,551 |
| Income before extraordinary items | $311,000 | 9,026 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $311,000 | 9,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,047 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $132,000 | 759 |
| Net operating income | $314,200 | 9,054 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,307,000 | 9,561 |
| Total interest expense | $903,000 | 9,537 |
| Net interest income | $1,404,000 | 9,402 |
| Provision for loan and lease losses | $88,000 | 6,122 |
| Total noninterest income | $325,000 | 7,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $195,000 | 6,059 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 7,013 |
| Total noninterest expense | $1,152,000 | 9,095 |
| Salaries and employee benefits | $469,000 | 9,966 |
| Premises and equipment expense | $264,000 | 6,427 |
| Additional noninterest expense | $419,000 | 9,049 |
| Pre-tax net operating income | $489,000 | 8,730 |
| Securities gains (losses) | $25,000 | 4,353 |
| Applicable income taxes | $74,000 | 10,356 |
| Income before extraordinary items | $440,000 | 8,061 |
| Extraordinary gains, net | $-24,000 | 12,496 |
| Net income | $416,000 | 8,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,724 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $418,500 | 7,978 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,032,000 | 10,843 |
| Total interest expense | $893,000 | 10,903 |
| Net interest income | $1,139,000 | 10,556 |
| Provision for loan and lease losses | $78,000 | 7,978 |
| Total noninterest income | $251,000 | 8,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,372 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,281 |
| Total noninterest expense | $1,062,000 | 9,700 |
| Salaries and employee benefits | $448,000 | 10,327 |
| Premises and equipment expense | $163,000 | 8,762 |
| Additional noninterest expense | $451,000 | 8,958 |
| Pre-tax net operating income | $250,000 | 10,601 |
| Securities gains (losses) | $39,000 | 4,543 |
| Applicable income taxes | $87,000 | 10,252 |
| Income before extraordinary items | $202,000 | 10,570 |
| Extraordinary gains, net | $87,000 | 792 |
| Net income | $289,000 | 9,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $174,700 | 10,603 |
* 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.