Home > First National Bank > Income and Expense
First National Bank, Income and Expense
2004-09-30 (YTD Data) | Rank | |
Total interest income | $1,846,000 | 6,935 |
Total interest expense | $175,000 | 8,396 |
Net interest income | $1,671,000 | 6,337 |
Provision for loan and lease losses | $150,000 | 3,509 |
Total noninterest income | $526,000 | 4,390 |
Gross Fiduciary activities income | $0 | 1,547 |
Service charges on deposit accounts | $256,000 | 4,044 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $270,000 | 3,930 |
Total noninterest expense | $1,113,000 | 6,893 |
Salaries and employee benefits | $586,000 | 6,961 |
Premises and equipment expense | $105,000 | 7,429 |
Additional noninterest expense | $422,000 | 6,153 |
Pre-tax net operating income | $934,000 | 4,776 |
Securities gains (losses) | $0 | 3,710 |
Applicable income taxes | $-15,000 | 8,749 |
Income before extraordinary items | $949,000 | 4,135 |
Extraordinary gains, net | $0 | 26 |
Net income | $949,000 | 4,135 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $43,000 | 3,964 |
Cash dividends | $923,000 | 1,817 |
Sale, conversion, retirement of capital stock, net | $0 | 738 |
Net operating income | $949,000 | 4,069 |
2004-06-30 (YTD Data) | Rank | |
Total interest income | $1,208,000 | 7,016 |
Total interest expense | $111,000 | 8,488 |
Net interest income | $1,097,000 | 6,410 |
Provision for loan and lease losses | $40,000 | 5,015 |
Total noninterest income | $430,000 | 3,929 |
Gross Fiduciary activities income | $0 | 1,518 |
Service charges on deposit accounts | $167,000 | 4,079 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $263,000 | 3,224 |
Total noninterest expense | $703,000 | 7,077 |
Salaries and employee benefits | $364,000 | 7,198 |
Premises and equipment expense | $67,000 | 7,546 |
Additional noninterest expense | $272,000 | 6,279 |
Pre-tax net operating income | $784,000 | 4,161 |
Securities gains (losses) | $0 | 3,413 |
Applicable income taxes | $0 | 7,214 |
Income before extraordinary items | $784,000 | 3,572 |
Extraordinary gains, net | $0 | 21 |
Net income | $784,000 | 3,572 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $23,000 | 3,991 |
Cash dividends | $708,000 | 1,683 |
Sale, conversion, retirement of capital stock, net | $0 | 638 |
Net operating income | $784,000 | 3,487 |
2004-03-31 (YTD Data) | Rank | |
Total interest income | $595,000 | 7,098 |
Total interest expense | $54,000 | 8,572 |
Net interest income | $541,000 | 6,472 |
Provision for loan and lease losses | $25,000 | 4,502 |
Total noninterest income | $183,000 | 4,279 |
Gross Fiduciary activities income | $0 | 1,441 |
Service charges on deposit accounts | $79,000 | 4,141 |
Trading account gains and fees | $0 | 121 |
Additional Noninterest Income | $104,000 | 3,624 |
Total noninterest expense | $370,000 | 6,978 |
Salaries and employee benefits | $183,000 | 7,218 |
Premises and equipment expense | $34,000 | 7,562 |
Additional noninterest expense | $153,000 | 5,939 |
Pre-tax net operating income | $329,000 | 4,600 |
Securities gains (losses) | $0 | 2,934 |
Applicable income taxes | $0 | 7,103 |
Income before extraordinary items | $329,000 | 4,023 |
Extraordinary gains, net | $0 | 16 |
Net income | $329,000 | 4,022 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $11,000 | 3,502 |
Cash dividends | $478,000 | 1,281 |
Sale, conversion, retirement of capital stock, net | $0 | 464 |
Net operating income | $329,000 | 3,889 |
2003-12-31 (YTD Data) | Rank | |
Total interest income | $2,338,000 | 7,210 |
Total interest expense | $269,000 | 8,562 |
Net interest income | $2,069,000 | 6,486 |
Provision for loan and lease losses | $65,000 | 5,903 |
Total noninterest income | $497,000 | 5,460 |
Gross Fiduciary activities income | $0 | 1,641 |
Service charges on deposit accounts | $341,000 | 4,020 |
Trading account gains and fees | $0 | 160 |
Additional Noninterest Income | $156,000 | 5,758 |
Total noninterest expense | $1,404,000 | 7,067 |
Salaries and employee benefits | $696,000 | 7,308 |
Premises and equipment expense | $157,000 | 7,305 |
Additional noninterest expense | $551,000 | 6,246 |
Pre-tax net operating income | $1,097,000 | 4,934 |
Securities gains (losses) | $0 | 4,500 |
Applicable income taxes | $15,000 | 6,905 |
Income before extraordinary items | $1,082,000 | 4,427 |
Extraordinary gains, net | $0 | 54 |
Net income | $1,082,000 | 4,428 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $93,000 | 4,187 |
Cash dividends | $739,000 | 2,861 |
Sale, conversion, retirement of capital stock, net | $0 | 868 |
Net operating income | $1,082,000 | 4,243 |
2003-09-30 (YTD Data) | Rank | |
Total interest income | $1,764,000 | 7,280 |
Total interest expense | $213,000 | 8,616 |
Net interest income | $1,551,000 | 6,526 |
Provision for loan and lease losses | $45,000 | 5,860 |
Total noninterest income | $397,000 | 5,333 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $253,000 | 4,057 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $144,000 | 5,419 |
Total noninterest expense | $1,063,000 | 7,042 |
Salaries and employee benefits | $524,000 | 7,273 |
Premises and equipment expense | $119,000 | 7,291 |
Additional noninterest expense | $420,000 | 6,191 |
Pre-tax net operating income | $840,000 | 4,996 |
Securities gains (losses) | $0 | 4,204 |
Applicable income taxes | $11,000 | 7,039 |
Income before extraordinary items | $829,000 | 4,498 |
Extraordinary gains, net | $0 | 40 |
Net income | $829,000 | 4,498 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $51,000 | 4,239 |
Cash dividends | $542,000 | 2,561 |
Sale, conversion, retirement of capital stock, net | $0 | 722 |
Net operating income | $829,000 | 4,330 |
2003-06-30 (YTD Data) | Rank | |
Total interest income | $1,186,000 | 7,316 |
Total interest expense | $151,000 | 8,637 |
Net interest income | $1,035,000 | 6,539 |
Provision for loan and lease losses | $35,000 | 5,611 |
Total noninterest income | $251,000 | 5,454 |
Gross Fiduciary activities income | $0 | 1,577 |
Service charges on deposit accounts | $161,000 | 4,135 |
Trading account gains and fees | $0 | 150 |
Additional Noninterest Income | $90,000 | 5,513 |
Total noninterest expense | $696,000 | 7,112 |
Salaries and employee benefits | $355,000 | 7,254 |
Premises and equipment expense | $76,000 | 7,385 |
Additional noninterest expense | $265,000 | 6,355 |
Pre-tax net operating income | $555,000 | 5,050 |
Securities gains (losses) | $0 | 3,782 |
Applicable income taxes | $7,000 | 7,084 |
Income before extraordinary items | $548,000 | 4,555 |
Extraordinary gains, net | $0 | 30 |
Net income | $548,000 | 4,555 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $39,000 | 3,755 |
Cash dividends | $365,000 | 2,593 |
Sale, conversion, retirement of capital stock, net | $0 | 589 |
Net operating income | $548,000 | 4,338 |
2003-03-31 (YTD Data) | Rank | |
Total interest income | $586,000 | 7,382 |
Total interest expense | $77,000 | 8,703 |
Net interest income | $509,000 | 6,597 |
Provision for loan and lease losses | $5,000 | 6,526 |
Total noninterest income | $114,000 | 5,579 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $82,000 | 4,012 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $32,000 | 6,104 |
Total noninterest expense | $361,000 | 7,045 |
Salaries and employee benefits | $183,000 | 7,188 |
Premises and equipment expense | $40,000 | 7,320 |
Additional noninterest expense | $138,000 | 6,218 |
Pre-tax net operating income | $257,000 | 5,204 |
Securities gains (losses) | $0 | 2,891 |
Applicable income taxes | $0 | 7,403 |
Income before extraordinary items | $257,000 | 4,644 |
Extraordinary gains, net | $0 | 21 |
Net income | $257,000 | 4,644 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $31,000 | 2,727 |
Cash dividends | $186,000 | 2,323 |
Sale, conversion, retirement of capital stock, net | $0 | 419 |
Net operating income | $257,000 | 4,436 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $2,591,000 | 7,265 |
Total interest expense | $478,000 | 8,439 |
Net interest income | $2,113,000 | 6,455 |
Provision for loan and lease losses | $260,000 | 3,766 |
Total noninterest income | $348,000 | 6,111 |
Gross Fiduciary activities income | $0 | 1,713 |
Service charges on deposit accounts | $248,000 | 4,716 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $100,000 | 6,442 |
Total noninterest expense | $1,451,000 | 6,948 |
Salaries and employee benefits | $696,000 | 7,288 |
Premises and equipment expense | $138,000 | 7,615 |
Additional noninterest expense | $617,000 | 5,822 |
Pre-tax net operating income | $750,000 | 5,928 |
Securities gains (losses) | $0 | 4,537 |
Applicable income taxes | $15,000 | 7,161 |
Income before extraordinary items | $735,000 | 5,425 |
Extraordinary gains, net | $0 | 70 |
Net income | $735,000 | 5,424 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $277,000 | 2,482 |
Cash dividends | $499,000 | 3,503 |
Sale, conversion, retirement of capital stock, net | $0 | 862 |
Net operating income | $735,000 | 5,280 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $3,239,000 | 6,990 |
Total interest expense | $966,000 | 8,090 |
Net interest income | $2,273,000 | 6,025 |
Provision for loan and lease losses | $360,000 | 2,816 |
Total noninterest income | $477,000 | 5,194 |
Gross Fiduciary activities income | $0 | 1,731 |
Service charges on deposit accounts | $266,000 | 4,472 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $211,000 | 4,814 |
Total noninterest expense | $1,579,000 | 6,622 |
Salaries and employee benefits | $744,000 | 7,003 |
Premises and equipment expense | $162,000 | 7,325 |
Additional noninterest expense | $673,000 | 5,423 |
Pre-tax net operating income | $811,000 | 5,455 |
Securities gains (losses) | $0 | 4,612 |
Applicable income taxes | $9,000 | 7,619 |
Income before extraordinary items | $802,000 | 4,862 |
Extraordinary gains, net | $0 | 105 |
Net income | $802,000 | 4,865 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $356,000 | 1,989 |
Cash dividends | $608,000 | 3,103 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $802,000 | 4,755 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $3,478,000 | 6,957 |
Total interest expense | $1,182,000 | 7,837 |
Net interest income | $2,296,000 | 6,118 |
Provision for loan and lease losses | $208,000 | 3,659 |
Total noninterest income | $424,000 | 5,378 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $241,000 | 4,617 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $183,000 | 4,983 |
Total noninterest expense | $1,450,000 | 6,875 |
Salaries and employee benefits | $765,000 | 6,898 |
Premises and equipment expense | $149,000 | 7,613 |
Additional noninterest expense | $536,000 | 6,160 |
Pre-tax net operating income | $1,062,000 | 5,108 |
Securities gains (losses) | $0 | 1,956 |
Applicable income taxes | $0 | 8,362 |
Income before extraordinary items | $1,062,000 | 4,208 |
Extraordinary gains, net | $0 | 38 |
Net income | $1,062,000 | 4,209 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $273,000 | 1,940 |
Cash dividends | $1,026,000 | 2,213 |
Sale, conversion, retirement of capital stock, net | $0 | 969 |
Net operating income | $1,062,000 | 4,213 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $3,054,000 | 7,316 |
Total interest expense | $983,000 | 8,215 |
Net interest income | $2,071,000 | 6,516 |
Provision for loan and lease losses | $140,000 | 4,418 |
Total noninterest income | $492,000 | 5,006 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $239,000 | 4,643 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $253,000 | 4,416 |
Total noninterest expense | $1,375,000 | 7,096 |
Salaries and employee benefits | $711,000 | 7,182 |
Premises and equipment expense | $120,000 | 8,235 |
Additional noninterest expense | $544,000 | 6,193 |
Pre-tax net operating income | $1,048,000 | 5,165 |
Securities gains (losses) | $-5,000 | 9,083 |
Applicable income taxes | $0 | 8,765 |
Income before extraordinary items | $1,043,000 | 4,292 |
Extraordinary gains, net | $0 | 35 |
Net income | $1,043,000 | 4,295 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $121,000 | 3,224 |
Cash dividends | $338,000 | 4,289 |
Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
Net operating income | $1,048,000 | 4,240 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $2,748,000 | 7,820 |
Total interest expense | $1,035,000 | 8,328 |
Net interest income | $1,713,000 | 7,267 |
Provision for loan and lease losses | $0 | 8,652 |
Total noninterest income | $523,000 | 4,810 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $217,000 | 4,909 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $306,000 | 3,981 |
Total noninterest expense | $1,182,000 | 7,592 |
Salaries and employee benefits | $671,000 | 7,363 |
Premises and equipment expense | $97,000 | 8,780 |
Additional noninterest expense | $414,000 | 7,106 |
Pre-tax net operating income | $1,054,000 | 5,262 |
Securities gains (losses) | $7,000 | 3,223 |
Applicable income taxes | $593,000 | 3,438 |
Income before extraordinary items | $468,000 | 6,798 |
Extraordinary gains, net | $0 | 32 |
Net income | $468,000 | 6,796 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $39,000 | 5,363 |
Cash dividends | $344,000 | 4,299 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $463,520 | 6,727 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $2,352,000 | 8,571 |
Total interest expense | $920,000 | 8,904 |
Net interest income | $1,432,000 | 8,153 |
Provision for loan and lease losses | $0 | 8,829 |
Total noninterest income | $579,000 | 4,522 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $214,000 | 5,130 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $365,000 | 3,496 |
Total noninterest expense | $1,055,000 | 8,152 |
Salaries and employee benefits | $558,000 | 8,193 |
Premises and equipment expense | $89,000 | 9,234 |
Additional noninterest expense | $408,000 | 7,278 |
Pre-tax net operating income | $956,000 | 5,969 |
Securities gains (losses) | $0 | 3,944 |
Applicable income taxes | $281,000 | 5,907 |
Income before extraordinary items | $675,000 | 5,996 |
Extraordinary gains, net | $0 | 44 |
Net income | $675,000 | 5,998 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $20,000 | 6,572 |
Cash dividends | $221,000 | 5,187 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $675,000 | 5,955 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $2,019,000 | 9,351 |
Total interest expense | $760,000 | 9,768 |
Net interest income | $1,259,000 | 8,867 |
Provision for loan and lease losses | $0 | 9,041 |
Total noninterest income | $477,000 | 5,325 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $221,000 | 5,215 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $256,000 | 4,476 |
Total noninterest expense | $948,000 | 8,886 |
Salaries and employee benefits | $488,000 | 8,974 |
Premises and equipment expense | $85,000 | 9,680 |
Additional noninterest expense | $375,000 | 8,108 |
Pre-tax net operating income | $788,000 | 6,553 |
Securities gains (losses) | $0 | 4,148 |
Applicable income taxes | $212,000 | 6,957 |
Income before extraordinary items | $576,000 | 6,421 |
Extraordinary gains, net | $0 | 53 |
Net income | $576,000 | 6,423 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-7,000 | 10,270 |
Cash dividends | $266,000 | 4,821 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $576,000 | 6,352 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $1,865,000 | 9,942 |
Total interest expense | $716,000 | 10,250 |
Net interest income | $1,149,000 | 9,481 |
Provision for loan and lease losses | $0 | 8,958 |
Total noninterest income | $402,000 | 5,973 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $206,000 | 5,584 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $196,000 | 5,191 |
Total noninterest expense | $895,000 | 9,372 |
Salaries and employee benefits | $438,000 | 9,631 |
Premises and equipment expense | $79,000 | 10,226 |
Additional noninterest expense | $378,000 | 8,419 |
Pre-tax net operating income | $656,000 | 7,555 |
Securities gains (losses) | $0 | 3,831 |
Applicable income taxes | $180,000 | 7,774 |
Income before extraordinary items | $476,000 | 7,436 |
Extraordinary gains, net | $0 | 65 |
Net income | $476,000 | 7,437 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-29,000 | 11,211 |
Cash dividends | $444,000 | 3,636 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $476,000 | 7,398 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $1,597,000 | 10,535 |
Total interest expense | $503,000 | 11,085 |
Net interest income | $1,094,000 | 10,087 |
Provision for loan and lease losses | $0 | 9,146 |
Total noninterest income | $503,000 | 5,272 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $200,000 | 5,872 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $303,000 | 4,063 |
Total noninterest expense | $928,000 | 9,639 |
Salaries and employee benefits | $423,000 | 10,073 |
Premises and equipment expense | $78,000 | 10,708 |
Additional noninterest expense | $427,000 | 8,559 |
Pre-tax net operating income | $669,000 | 7,600 |
Securities gains (losses) | $0 | 3,600 |
Applicable income taxes | $184,000 | 7,635 |
Income before extraordinary items | $485,000 | 7,427 |
Extraordinary gains, net | $0 | 249 |
Net income | $485,000 | 7,432 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $16,000 | 6,934 |
Cash dividends | $0 | 8,932 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $485,000 | 7,467 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $967,000 | 12,358 |
Total interest expense | $289,000 | 12,715 |
Net interest income | $678,000 | 11,951 |
Provision for loan and lease losses | $2,000 | 10,273 |
Total noninterest income | $404,000 | 6,424 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $139,000 | 7,368 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $265,000 | 4,825 |
Total noninterest expense | $648,000 | 11,390 |
Salaries and employee benefits | $283,000 | 11,842 |
Premises and equipment expense | $48,000 | 12,290 |
Additional noninterest expense | $317,000 | 10,230 |
Pre-tax net operating income | $432,000 | 9,167 |
Securities gains (losses) | $0 | 7,477 |
Applicable income taxes | $63,000 | 10,631 |
Income before extraordinary items | $369,000 | 8,752 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $369,000 | 8,911 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-46,000 | 12,622 |
Cash dividends | $0 | 9,081 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $369,000 | 8,489 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $1,842,000 | 11,210 |
Total interest expense | $688,000 | 11,877 |
Net interest income | $1,154,000 | 10,498 |
Provision for loan and lease losses | $191,000 | 5,348 |
Total noninterest income | $272,000 | 8,140 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $222,000 | 5,583 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $50,000 | 10,399 |
Total noninterest expense | $1,033,000 | 9,837 |
Salaries and employee benefits | $418,000 | 10,655 |
Premises and equipment expense | $104,000 | 10,590 |
Additional noninterest expense | $511,000 | 8,352 |
Pre-tax net operating income | $202,000 | 11,057 |
Securities gains (losses) | $0 | 8,369 |
Applicable income taxes | $60,000 | 10,985 |
Income before extraordinary items | $142,000 | 11,390 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $142,000 | 11,469 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $216,000 | 4,033 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $142,000 | 11,045 |
* 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.