Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,124,000 | 3,388 |
| Total interest expense | $1,946,000 | 4,514 |
| Net interest income | $7,178,000 | 2,982 |
| Provision for loan and lease losses | $122,000 | 4,440 |
| Total noninterest income | $700,000 | 4,375 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $435,000 | 3,352 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $265,000 | 4,606 |
| Total noninterest expense | $5,566,000 | 2,949 |
| Salaries and employee benefits | $3,520,000 | 2,590 |
| Premises and equipment expense | $465,000 | 4,396 |
| Additional noninterest expense | $1,581,000 | 3,104 |
| Pre-tax net operating income | $2,190,000 | 3,469 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $747,000 | 2,704 |
| Income before extraordinary items | $1,444,000 | 3,875 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,444,000 | 3,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $476,000 | 3,749 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,443,340 | 3,853 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,513,000 | 3,468 |
| Total interest expense | $1,321,000 | 4,665 |
| Net interest income | $5,192,000 | 3,060 |
| Provision for loan and lease losses | $107,000 | 4,071 |
| Total noninterest income | $497,000 | 4,556 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $314,000 | 3,455 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $183,000 | 4,802 |
| Total noninterest expense | $2,994,000 | 3,839 |
| Salaries and employee benefits | $1,849,000 | 3,490 |
| Premises and equipment expense | $338,000 | 4,470 |
| Additional noninterest expense | $807,000 | 4,153 |
| Pre-tax net operating income | $2,588,000 | 2,504 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $824,000 | 2,159 |
| Income before extraordinary items | $1,765,000 | 2,735 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,765,000 | 2,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,633 |
| Cash dividends | $426,000 | 3,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,764,320 | 2,703 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,134,000 | 3,526 |
| Total interest expense | $780,000 | 4,852 |
| Net interest income | $3,354,000 | 3,103 |
| Provision for loan and lease losses | $72,000 | 3,910 |
| Total noninterest income | $331,000 | 4,526 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $207,000 | 3,431 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $124,000 | 4,729 |
| Total noninterest expense | $1,978,000 | 3,843 |
| Salaries and employee benefits | $1,216,000 | 3,528 |
| Premises and equipment expense | $219,000 | 4,512 |
| Additional noninterest expense | $543,000 | 4,097 |
| Pre-tax net operating income | $1,635,000 | 2,571 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $515,000 | 2,237 |
| Income before extraordinary items | $1,120,000 | 2,828 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,120,000 | 2,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,599 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,120,000 | 2,783 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,963,000 | 3,654 |
| Total interest expense | $337,000 | 5,155 |
| Net interest income | $1,626,000 | 3,179 |
| Provision for loan and lease losses | $27,000 | 4,321 |
| Total noninterest income | $170,000 | 4,385 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $105,000 | 3,325 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $65,000 | 4,607 |
| Total noninterest expense | $968,000 | 3,939 |
| Salaries and employee benefits | $600,000 | 3,568 |
| Premises and equipment expense | $100,000 | 4,863 |
| Additional noninterest expense | $268,000 | 4,145 |
| Pre-tax net operating income | $801,000 | 2,568 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $244,000 | 2,307 |
| Income before extraordinary items | $557,000 | 2,779 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $557,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $557,000 | 2,727 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,330,000 | 4,099 |
| Total interest expense | $828,000 | 6,164 |
| Net interest income | $5,502,000 | 3,537 |
| Provision for loan and lease losses | $135,000 | 4,427 |
| Total noninterest income | $681,000 | 4,464 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $341,000 | 4,003 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $340,000 | 4,032 |
| Total noninterest expense | $3,513,000 | 4,168 |
| Salaries and employee benefits | $2,100,000 | 3,837 |
| Premises and equipment expense | $366,000 | 5,059 |
| Additional noninterest expense | $1,047,000 | 4,183 |
| Pre-tax net operating income | $2,535,000 | 2,978 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $761,000 | 2,608 |
| Income before extraordinary items | $1,773,000 | 3,220 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,773,000 | 3,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,214 |
| Cash dividends | $100,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,773,700 | 3,158 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,541,000 | 4,211 |
| Total interest expense | $567,000 | 6,378 |
| Net interest income | $3,974,000 | 3,616 |
| Provision for loan and lease losses | $100,000 | 4,260 |
| Total noninterest income | $424,000 | 4,996 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $250,000 | 4,105 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $174,000 | 4,794 |
| Total noninterest expense | $2,567,000 | 4,227 |
| Salaries and employee benefits | $1,532,000 | 3,892 |
| Premises and equipment expense | $268,000 | 5,108 |
| Additional noninterest expense | $767,000 | 4,214 |
| Pre-tax net operating income | $1,731,000 | 3,242 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $512,000 | 2,856 |
| Income before extraordinary items | $1,217,000 | 3,506 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,217,000 | 3,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,218,400 | 3,415 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,919,000 | 4,332 |
| Total interest expense | $351,000 | 6,609 |
| Net interest income | $2,568,000 | 3,690 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $266,000 | 5,121 |
| 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 | $99,000 | 5,168 |
| Total noninterest expense | $1,704,000 | 4,253 |
| Salaries and employee benefits | $1,003,000 | 3,963 |
| Premises and equipment expense | $177,000 | 5,163 |
| Additional noninterest expense | $524,000 | 4,164 |
| Pre-tax net operating income | $1,030,000 | 3,466 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $298,000 | 3,096 |
| Income before extraordinary items | $734,000 | 3,750 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $734,000 | 3,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $732,580 | 3,665 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,404,000 | 4,478 |
| Total interest expense | $171,000 | 6,735 |
| Net interest income | $1,233,000 | 3,815 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $112,000 | 5,514 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $80,000 | 4,116 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $32,000 | 5,977 |
| Total noninterest expense | $807,000 | 4,442 |
| Salaries and employee benefits | $496,000 | 4,030 |
| Premises and equipment expense | $89,000 | 5,208 |
| Additional noninterest expense | $222,000 | 4,690 |
| Pre-tax net operating income | $488,000 | 3,588 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $144,000 | 3,165 |
| Income before extraordinary items | $346,000 | 3,880 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $346,000 | 3,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $344,580 | 3,771 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,082,000 | 4,838 |
| Total interest expense | $686,000 | 7,088 |
| Net interest income | $4,396,000 | 4,068 |
| Provision for loan and lease losses | $90,000 | 5,469 |
| Total noninterest income | $456,000 | 5,666 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $318,000 | 4,167 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $138,000 | 5,969 |
| Total noninterest expense | $2,789,000 | 4,847 |
| Salaries and employee benefits | $1,616,000 | 4,609 |
| Premises and equipment expense | $339,000 | 5,280 |
| Additional noninterest expense | $834,000 | 4,916 |
| Pre-tax net operating income | $1,973,000 | 3,426 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $598,000 | 3,071 |
| Income before extraordinary items | $1,375,000 | 3,781 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,375,000 | 3,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,281 |
| Cash dividends | $323,000 | 4,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,375,000 | 3,623 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,750,000 | 4,953 |
| Total interest expense | $526,000 | 7,187 |
| Net interest income | $3,224,000 | 4,161 |
| Provision for loan and lease losses | $15,000 | 6,935 |
| Total noninterest income | $336,000 | 5,768 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $236,000 | 4,208 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $100,000 | 6,083 |
| Total noninterest expense | $2,076,000 | 4,860 |
| Salaries and employee benefits | $1,193,000 | 4,640 |
| Premises and equipment expense | $256,000 | 5,253 |
| Additional noninterest expense | $627,000 | 4,861 |
| Pre-tax net operating income | $1,469,000 | 3,555 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $442,000 | 3,247 |
| Income before extraordinary items | $1,027,000 | 3,919 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,027,000 | 3,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,702 |
| Cash dividends | $323,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,027,000 | 3,758 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,462,000 | 5,038 |
| Total interest expense | $360,000 | 7,256 |
| Net interest income | $2,102,000 | 4,240 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $217,000 | 5,821 |
| 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 | $56,000 | 6,368 |
| Total noninterest expense | $1,378,000 | 4,876 |
| Salaries and employee benefits | $794,000 | 4,637 |
| Premises and equipment expense | $174,000 | 5,157 |
| Additional noninterest expense | $410,000 | 4,914 |
| Pre-tax net operating income | $941,000 | 3,655 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $283,000 | 3,340 |
| Income before extraordinary items | $658,000 | 4,045 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $658,000 | 4,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $323,000 | 2,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $658,000 | 3,864 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,211,000 | 5,121 |
| Total interest expense | $184,000 | 7,297 |
| Net interest income | $1,027,000 | 4,312 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $106,000 | 5,763 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $77,000 | 4,164 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $29,000 | 6,299 |
| Total noninterest expense | $689,000 | 4,849 |
| Salaries and employee benefits | $395,000 | 4,654 |
| Premises and equipment expense | $88,000 | 5,119 |
| Additional noninterest expense | $206,000 | 4,860 |
| Pre-tax net operating income | $444,000 | 3,792 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $133,000 | 3,442 |
| Income before extraordinary items | $311,000 | 4,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $311,000 | 4,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $311,000 | 3,942 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,973,000 | 5,198 |
| Total interest expense | $826,000 | 7,438 |
| Net interest income | $4,147,000 | 4,235 |
| Provision for loan and lease losses | $165,000 | 4,742 |
| Total noninterest income | $434,000 | 5,579 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $317,000 | 4,108 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $117,000 | 6,114 |
| Total noninterest expense | $2,696,000 | 4,822 |
| Salaries and employee benefits | $1,452,000 | 4,813 |
| Premises and equipment expense | $350,000 | 5,091 |
| Additional noninterest expense | $894,000 | 4,566 |
| Pre-tax net operating income | $1,720,000 | 3,766 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $512,000 | 3,397 |
| Income before extraordinary items | $1,209,000 | 4,067 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,209,000 | 4,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $302,000 | 4,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,208,300 | 3,960 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,015,000 | 5,603 |
| Total interest expense | $1,383,000 | 7,223 |
| Net interest income | $3,632,000 | 4,449 |
| Provision for loan and lease losses | $57,000 | 6,529 |
| Total noninterest income | $388,000 | 5,757 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $300,000 | 4,165 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $88,000 | 6,699 |
| Total noninterest expense | $2,505,000 | 4,938 |
| Salaries and employee benefits | $1,371,000 | 4,831 |
| Premises and equipment expense | $362,000 | 4,920 |
| Additional noninterest expense | $772,000 | 4,908 |
| Pre-tax net operating income | $1,458,000 | 3,931 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $385,000 | 3,811 |
| Income before extraordinary items | $1,073,000 | 4,086 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,073,000 | 4,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $594,000 | 3,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,073,000 | 3,962 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,973,000 | 5,756 |
| Total interest expense | $1,680,000 | 6,809 |
| Net interest income | $3,293,000 | 4,831 |
| Provision for loan and lease losses | $28,000 | 7,325 |
| Total noninterest income | $355,000 | 5,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 6,989 |
| Total noninterest expense | $2,229,000 | 5,290 |
| Salaries and employee benefits | $1,212,000 | 5,185 |
| Premises and equipment expense | $301,000 | 5,407 |
| Additional noninterest expense | $716,000 | 5,095 |
| Pre-tax net operating income | $1,391,000 | 4,292 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $388,000 | 4,036 |
| Income before extraordinary items | $1,003,000 | 4,385 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,003,000 | 4,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,819 |
| Cash dividends | $386,000 | 4,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,003,000 | 4,381 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,121,000 | 6,261 |
| Total interest expense | $1,218,000 | 7,601 |
| Net interest income | $2,903,000 | 5,290 |
| Provision for loan and lease losses | $129,000 | 4,610 |
| Total noninterest income | $344,000 | 6,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,290 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,314 |
| Total noninterest expense | $1,992,000 | 5,695 |
| Salaries and employee benefits | $1,048,000 | 5,702 |
| Premises and equipment expense | $267,000 | 5,840 |
| Additional noninterest expense | $677,000 | 5,371 |
| Pre-tax net operating income | $1,126,000 | 4,963 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $372,000 | 4,347 |
| Income before extraordinary items | $754,000 | 5,255 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $754,000 | 5,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,730 |
| Cash dividends | $100,000 | 6,057 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 507 |
| Net operating income | $754,000 | 5,222 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,304,000 | 7,164 |
| Total interest expense | $1,150,000 | 8,028 |
| Net interest income | $2,154,000 | 6,379 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $376,000 | 5,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 4,927 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,504 |
| Total noninterest expense | $1,793,000 | 6,009 |
| Salaries and employee benefits | $944,000 | 6,013 |
| Premises and equipment expense | $247,000 | 6,000 |
| Additional noninterest expense | $602,000 | 5,746 |
| Pre-tax net operating income | $697,000 | 6,491 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $225,000 | 5,892 |
| Income before extraordinary items | $472,000 | 6,773 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $472,000 | 6,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $127,000 | 5,994 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $472,000 | 6,666 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,650,000 | 8,189 |
| Total interest expense | $848,000 | 9,119 |
| Net interest income | $1,802,000 | 7,317 |
| Provision for loan and lease losses | $48,000 | 6,747 |
| Total noninterest income | $289,000 | 6,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,253 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,280 |
| Total noninterest expense | $1,609,000 | 6,516 |
| Salaries and employee benefits | $814,000 | 6,710 |
| Premises and equipment expense | $253,000 | 6,016 |
| Additional noninterest expense | $542,000 | 6,178 |
| Pre-tax net operating income | $434,000 | 8,265 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $138,000 | 7,787 |
| Income before extraordinary items | $296,000 | 8,408 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $296,000 | 8,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $233,000 | 5,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $296,000 | 8,365 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,069,000 | 9,292 |
| Total interest expense | $576,000 | 10,354 |
| Net interest income | $1,493,000 | 8,284 |
| Provision for loan and lease losses | $15,000 | 8,204 |
| Total noninterest income | $239,000 | 7,742 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,839 |
| Total noninterest expense | $1,285,000 | 7,703 |
| Salaries and employee benefits | $680,000 | 7,649 |
| Premises and equipment expense | $183,000 | 7,367 |
| Additional noninterest expense | $422,000 | 7,699 |
| Pre-tax net operating income | $432,000 | 8,318 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $152,000 | 7,845 |
| Income before extraordinary items | $280,000 | 8,587 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $280,000 | 8,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $217,000 | 5,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $280,000 | 8,519 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,768,000 | 10,061 |
| Total interest expense | $498,000 | 11,020 |
| Net interest income | $1,270,000 | 9,156 |
| Provision for loan and lease losses | $81,000 | 5,069 |
| Total noninterest income | $173,000 | 8,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 6,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,970 |
| Total noninterest expense | $922,000 | 9,280 |
| Salaries and employee benefits | $448,000 | 9,547 |
| Premises and equipment expense | $142,000 | 8,472 |
| Additional noninterest expense | $332,000 | 8,893 |
| Pre-tax net operating income | $440,000 | 8,808 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $137,000 | 8,495 |
| Income before extraordinary items | $303,000 | 8,911 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $303,000 | 8,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,475 |
| Cash dividends | $25,000 | 8,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $303,000 | 8,881 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,258,000 | 11,227 |
| Total interest expense | $291,000 | 12,066 |
| Net interest income | $967,000 | 10,496 |
| Provision for loan and lease losses | $107,000 | 4,408 |
| Total noninterest income | $140,000 | 9,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 11,366 |
| Total noninterest expense | $771,000 | 10,374 |
| Salaries and employee benefits | $357,000 | 10,669 |
| Premises and equipment expense | $126,000 | 9,218 |
| Additional noninterest expense | $288,000 | 10,093 |
| Pre-tax net operating income | $229,000 | 10,671 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $229,000 | 9,935 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $229,000 | 9,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $969,000 | 444 |
| Net operating income | $229,000 | 9,999 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $771,000 | 12,718 |
| Total interest expense | $209,000 | 12,964 |
| Net interest income | $562,000 | 12,360 |
| Provision for loan and lease losses | $52,000 | 7,360 |
| Total noninterest income | $90,000 | 11,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 9,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,038 |
| Total noninterest expense | $632,000 | 11,474 |
| Salaries and employee benefits | $310,000 | 11,552 |
| Premises and equipment expense | $110,000 | 10,124 |
| Additional noninterest expense | $212,000 | 11,570 |
| Pre-tax net operating income | $-32,000 | 12,507 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-32,000 | 12,591 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-32,000 | 12,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-32,000 | 12,475 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $75,000 | 13,903 |
| Total interest expense | $22,000 | 13,876 |
| Net interest income | $53,000 | 13,881 |
| Provision for loan and lease losses | $10,000 | 11,168 |
| Total noninterest income | $7,000 | 13,816 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 11,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 13,771 |
| Total noninterest expense | $258,000 | 13,681 |
| Salaries and employee benefits | $76,000 | 13,840 |
| Premises and equipment expense | $20,000 | 13,675 |
| Additional noninterest expense | $162,000 | 12,761 |
| Pre-tax net operating income | $-208,000 | 13,102 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-208,000 | 13,190 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-208,000 | 13,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,494,000 | 359 |
| Net operating income | $-208,000 | 13,071 |
* 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.