Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $33,195,000 | 1,183 |
| Total interest expense | $13,573,000 | 1,238 |
| Net interest income | $19,622,000 | 1,127 |
| Provision for loan and lease losses | $-1,009,000 | 8,629 |
| Total noninterest income | $3,016,000 | 1,628 |
| Gross Fiduciary activities income | $172,000 | 833 |
| Service charges on deposit accounts | $1,684,000 | 1,048 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,160,000 | 2,014 |
| Total noninterest expense | $13,672,000 | 1,306 |
| Salaries and employee benefits | $4,133,000 | 2,375 |
| Premises and equipment expense | $1,359,000 | 1,856 |
| Additional noninterest expense | $8,180,000 | 665 |
| Pre-tax net operating income | $9,975,000 | 981 |
| Securities gains (losses) | $-10,000 | 7,284 |
| Applicable income taxes | $132,000 | 4,748 |
| Income before extraordinary items | $9,833,000 | 754 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $9,833,000 | 753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-810,000 | 8,658 |
| Cash dividends | $9,800,000 | 400 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $9,842,900 | 742 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $24,455,000 | 1,210 |
| Total interest expense | $9,930,000 | 1,239 |
| Net interest income | $14,525,000 | 1,166 |
| Provision for loan and lease losses | $385,000 | 1,751 |
| Total noninterest income | $2,230,000 | 1,649 |
| Gross Fiduciary activities income | $132,000 | 816 |
| Service charges on deposit accounts | $1,243,000 | 1,069 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $855,000 | 2,034 |
| Total noninterest expense | $10,341,000 | 1,308 |
| Salaries and employee benefits | $3,187,000 | 2,308 |
| Premises and equipment expense | $1,016,000 | 1,859 |
| Additional noninterest expense | $6,138,000 | 676 |
| Pre-tax net operating income | $6,029,000 | 1,267 |
| Securities gains (losses) | $-1,000 | 7,100 |
| Applicable income taxes | $78,000 | 5,146 |
| Income before extraordinary items | $5,950,000 | 969 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,950,000 | 968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $480,000 | 833 |
| Cash dividends | $5,300,000 | 495 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,950,990 | 954 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $16,074,000 | 1,214 |
| Total interest expense | $6,442,000 | 1,210 |
| Net interest income | $9,632,000 | 1,175 |
| Provision for loan and lease losses | $353,000 | 1,300 |
| Total noninterest income | $1,293,000 | 1,848 |
| Gross Fiduciary activities income | $85,000 | 841 |
| Service charges on deposit accounts | $779,000 | 1,134 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $429,000 | 2,446 |
| Total noninterest expense | $7,009,000 | 1,305 |
| Salaries and employee benefits | $2,179,000 | 2,253 |
| Premises and equipment expense | $675,000 | 1,865 |
| Additional noninterest expense | $4,155,000 | 670 |
| Pre-tax net operating income | $3,563,000 | 1,419 |
| Securities gains (losses) | $-9,000 | 7,829 |
| Applicable income taxes | $45,000 | 5,301 |
| Income before extraordinary items | $3,509,000 | 1,095 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,509,000 | 1,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 863 |
| Cash dividends | $1,900,000 | 869 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,517,910 | 1,080 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,955,000 | 1,199 |
| Total interest expense | $3,123,000 | 1,177 |
| Net interest income | $4,832,000 | 1,165 |
| Provision for loan and lease losses | $176,000 | 1,255 |
| Total noninterest income | $621,000 | 1,876 |
| Gross Fiduciary activities income | $44,000 | 837 |
| Service charges on deposit accounts | $376,000 | 1,151 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $201,000 | 2,485 |
| Total noninterest expense | $3,505,000 | 1,301 |
| Salaries and employee benefits | $1,088,000 | 2,265 |
| Premises and equipment expense | $341,000 | 1,853 |
| Additional noninterest expense | $2,076,000 | 666 |
| Pre-tax net operating income | $1,772,000 | 1,388 |
| Securities gains (losses) | $-9,000 | 8,219 |
| Applicable income taxes | $22,000 | 5,279 |
| Income before extraordinary items | $1,741,000 | 1,079 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,741,000 | 1,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 674 |
| Cash dividends | $1,400,000 | 567 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,749,910 | 1,058 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $28,115,000 | 1,182 |
| Total interest expense | $9,360,000 | 1,204 |
| Net interest income | $18,755,000 | 1,147 |
| Provision for loan and lease losses | $1,427,000 | 752 |
| Total noninterest income | $2,724,000 | 1,745 |
| Gross Fiduciary activities income | $168,000 | 844 |
| Service charges on deposit accounts | $1,670,000 | 1,063 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $886,000 | 2,390 |
| Total noninterest expense | $12,603,000 | 1,366 |
| Salaries and employee benefits | $3,845,000 | 2,380 |
| Premises and equipment expense | $1,431,000 | 1,706 |
| Additional noninterest expense | $7,327,000 | 724 |
| Pre-tax net operating income | $7,449,000 | 1,285 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $103,000 | 5,347 |
| Income before extraordinary items | $7,346,000 | 984 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,346,000 | 984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,587,000 | 481 |
| Cash dividends | $2,750,000 | 1,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,346,000 | 969 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,215,000 | 1,199 |
| Total interest expense | $6,380,000 | 1,255 |
| Net interest income | $13,835,000 | 1,156 |
| Provision for loan and lease losses | $1,044,000 | 734 |
| Total noninterest income | $2,350,000 | 1,548 |
| Gross Fiduciary activities income | $120,000 | 838 |
| Service charges on deposit accounts | $1,542,000 | 846 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $688,000 | 2,343 |
| Total noninterest expense | $9,311,000 | 1,371 |
| Salaries and employee benefits | $3,000,000 | 2,269 |
| Premises and equipment expense | $1,182,000 | 1,535 |
| Additional noninterest expense | $5,129,000 | 759 |
| Pre-tax net operating income | $5,830,000 | 1,222 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $81,000 | 5,423 |
| Income before extraordinary items | $5,749,000 | 940 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,749,000 | 941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,391,000 | 397 |
| Cash dividends | $2,750,000 | 806 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,749,000 | 923 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,920,000 | 1,214 |
| Total interest expense | $3,873,000 | 1,301 |
| Net interest income | $9,047,000 | 1,169 |
| Provision for loan and lease losses | $657,000 | 761 |
| Total noninterest income | $1,482,000 | 1,612 |
| Gross Fiduciary activities income | $80,000 | 848 |
| Service charges on deposit accounts | $988,000 | 864 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $414,000 | 2,483 |
| Total noninterest expense | $6,132,000 | 1,386 |
| Salaries and employee benefits | $2,017,000 | 2,242 |
| Premises and equipment expense | $775,000 | 1,551 |
| Additional noninterest expense | $3,340,000 | 777 |
| Pre-tax net operating income | $3,740,000 | 1,242 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $51,000 | 5,503 |
| Income before extraordinary items | $3,689,000 | 946 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,689,000 | 947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,238,000 | 312 |
| Cash dividends | $1,500,000 | 927 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,689,000 | 925 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,311,000 | 1,211 |
| Total interest expense | $1,822,000 | 1,311 |
| Net interest income | $4,489,000 | 1,166 |
| Provision for loan and lease losses | $200,000 | 1,128 |
| Total noninterest income | $661,000 | 1,740 |
| Gross Fiduciary activities income | $39,000 | 856 |
| Service charges on deposit accounts | $434,000 | 941 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $188,000 | 2,577 |
| Total noninterest expense | $3,064,000 | 1,381 |
| Salaries and employee benefits | $1,018,000 | 2,237 |
| Premises and equipment expense | $390,000 | 1,560 |
| Additional noninterest expense | $1,656,000 | 769 |
| Pre-tax net operating income | $1,886,000 | 1,211 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $26,000 | 5,434 |
| Income before extraordinary items | $1,860,000 | 934 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,860,000 | 934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,315,000 | 197 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,860,000 | 911 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $25,526,000 | 1,112 |
| Total interest expense | $6,698,000 | 1,226 |
| Net interest income | $18,828,000 | 1,058 |
| Provision for loan and lease losses | $7,652,000 | 181 |
| Total noninterest income | $2,975,000 | 1,619 |
| Gross Fiduciary activities income | $72,000 | 1,001 |
| Service charges on deposit accounts | $1,988,000 | 873 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $915,000 | 2,278 |
| Total noninterest expense | $11,476,000 | 1,418 |
| Salaries and employee benefits | $3,789,000 | 2,290 |
| Premises and equipment expense | $1,564,000 | 1,476 |
| Additional noninterest expense | $6,123,000 | 820 |
| Pre-tax net operating income | $2,675,000 | 2,834 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $33,000 | 6,294 |
| Income before extraordinary items | $2,641,000 | 2,309 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,641,000 | 2,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,747,000 | 170 |
| Cash dividends | $5,800,000 | 544 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,641,990 | 2,263 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $19,074,000 | 1,098 |
| Total interest expense | $5,003,000 | 1,199 |
| Net interest income | $14,071,000 | 1,048 |
| Provision for loan and lease losses | $1,271,000 | 614 |
| Total noninterest income | $2,206,000 | 1,641 |
| Gross Fiduciary activities income | $30,000 | 1,089 |
| Service charges on deposit accounts | $1,493,000 | 874 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $683,000 | 2,305 |
| Total noninterest expense | $8,918,000 | 1,375 |
| Salaries and employee benefits | $3,066,000 | 2,125 |
| Premises and equipment expense | $1,280,000 | 1,349 |
| Additional noninterest expense | $4,572,000 | 820 |
| Pre-tax net operating income | $6,088,000 | 1,090 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $87,000 | 5,499 |
| Income before extraordinary items | $6,009,000 | 837 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,009,000 | 838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,210 |
| Cash dividends | $5,800,000 | 406 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,001,080 | 800 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,805,000 | 1,080 |
| Total interest expense | $3,342,000 | 1,179 |
| Net interest income | $9,463,000 | 1,036 |
| Provision for loan and lease losses | $984,000 | 531 |
| Total noninterest income | $1,370,000 | 1,721 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $941,000 | 917 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $429,000 | 2,411 |
| Total noninterest expense | $5,800,000 | 1,396 |
| Salaries and employee benefits | $2,022,000 | 2,151 |
| Premises and equipment expense | $825,000 | 1,406 |
| Additional noninterest expense | $2,953,000 | 841 |
| Pre-tax net operating income | $4,049,000 | 1,073 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $60,000 | 5,433 |
| Income before extraordinary items | $3,989,000 | 820 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,989,000 | 820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 1,027 |
| Cash dividends | $2,200,000 | 639 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,989,000 | 787 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,318,000 | 1,106 |
| Total interest expense | $1,662,000 | 1,206 |
| Net interest income | $4,656,000 | 1,060 |
| Provision for loan and lease losses | $719,000 | 401 |
| Total noninterest income | $637,000 | 1,786 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $430,000 | 987 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $207,000 | 2,420 |
| Total noninterest expense | $2,848,000 | 1,435 |
| Salaries and employee benefits | $991,000 | 2,216 |
| Premises and equipment expense | $418,000 | 1,402 |
| Additional noninterest expense | $1,439,000 | 857 |
| Pre-tax net operating income | $1,726,000 | 1,224 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $29,000 | 5,455 |
| Income before extraordinary items | $1,697,000 | 959 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,697,000 | 959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 940 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,697,000 | 911 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $27,111,000 | 1,040 |
| Total interest expense | $7,081,000 | 1,250 |
| Net interest income | $20,030,000 | 957 |
| Provision for loan and lease losses | $1,231,000 | 959 |
| Total noninterest income | $2,593,000 | 1,895 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,077,000 | 1,586 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,516,000 | 1,809 |
| Total noninterest expense | $11,348,000 | 1,421 |
| Salaries and employee benefits | $3,987,000 | 2,128 |
| Premises and equipment expense | $1,567,000 | 1,448 |
| Additional noninterest expense | $5,794,000 | 887 |
| Pre-tax net operating income | $10,044,000 | 856 |
| Securities gains (losses) | $121,000 | 1,719 |
| Applicable income taxes | $879,000 | 2,361 |
| Income before extraordinary items | $9,286,000 | 706 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $9,286,000 | 708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $574,000 | 1,442 |
| Cash dividends | $4,500,000 | 711 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $9,175,890 | 665 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $20,237,000 | 1,061 |
| Total interest expense | $5,461,000 | 1,273 |
| Net interest income | $14,776,000 | 986 |
| Provision for loan and lease losses | $867,000 | 1,021 |
| Total noninterest income | $2,135,000 | 1,808 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,053,000 | 1,248 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,082,000 | 1,934 |
| Total noninterest expense | $8,294,000 | 1,455 |
| Salaries and employee benefits | $3,020,000 | 2,123 |
| Premises and equipment expense | $1,111,000 | 1,542 |
| Additional noninterest expense | $4,163,000 | 927 |
| Pre-tax net operating income | $7,750,000 | 863 |
| Securities gains (losses) | $140,000 | 1,471 |
| Applicable income taxes | $850,000 | 2,115 |
| Income before extraordinary items | $7,040,000 | 727 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,040,000 | 728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 1,220 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $6,915,400 | 686 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,660,000 | 1,157 |
| Total interest expense | $3,869,000 | 1,239 |
| Net interest income | $8,791,000 | 1,110 |
| Provision for loan and lease losses | $123,000 | 3,423 |
| Total noninterest income | $1,107,000 | 2,188 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $658,000 | 1,303 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $449,000 | 2,614 |
| Total noninterest expense | $5,403,000 | 1,484 |
| Salaries and employee benefits | $1,937,000 | 2,185 |
| Premises and equipment expense | $796,000 | 1,439 |
| Additional noninterest expense | $2,670,000 | 947 |
| Pre-tax net operating income | $4,372,000 | 995 |
| Securities gains (losses) | $110,000 | 1,432 |
| Applicable income taxes | $805,000 | 1,611 |
| Income before extraordinary items | $3,677,000 | 919 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,677,000 | 921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,327 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,586,800 | 870 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,245,000 | 1,186 |
| Total interest expense | $1,941,000 | 1,257 |
| Net interest income | $4,304,000 | 1,143 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $458,000 | 2,447 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $272,000 | 1,523 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $186,000 | 2,848 |
| Total noninterest expense | $2,688,000 | 1,477 |
| Salaries and employee benefits | $948,000 | 2,219 |
| Premises and equipment expense | $410,000 | 1,417 |
| Additional noninterest expense | $1,330,000 | 930 |
| Pre-tax net operating income | $2,074,000 | 1,048 |
| Securities gains (losses) | $18,000 | 1,950 |
| Applicable income taxes | $788,000 | 971 |
| Income before extraordinary items | $1,304,000 | 1,269 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,304,000 | 1,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 1,281 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,292,480 | 1,194 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $24,931,000 | 1,234 |
| Total interest expense | $8,904,000 | 1,258 |
| Net interest income | $16,027,000 | 1,206 |
| Provision for loan and lease losses | $792,000 | 1,646 |
| Total noninterest income | $2,320,000 | 1,896 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,202,000 | 1,355 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,118,000 | 2,032 |
| Total noninterest expense | $10,073,000 | 1,536 |
| Salaries and employee benefits | $3,582,000 | 2,236 |
| Premises and equipment expense | $1,622,000 | 1,358 |
| Additional noninterest expense | $4,869,000 | 1,014 |
| Pre-tax net operating income | $7,482,000 | 1,129 |
| Securities gains (losses) | $213,000 | 1,115 |
| Applicable income taxes | $2,591,000 | 1,055 |
| Income before extraordinary items | $5,104,000 | 1,225 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,104,000 | 1,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 2,284 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,963,420 | 1,213 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $24,229,000 | 1,402 |
| Total interest expense | $10,471,000 | 1,554 |
| Net interest income | $13,758,000 | 1,291 |
| Provision for loan and lease losses | $1,045,000 | 1,202 |
| Total noninterest income | $2,140,000 | 1,913 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,169,000 | 1,279 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $971,000 | 2,083 |
| Total noninterest expense | $9,049,000 | 1,613 |
| Salaries and employee benefits | $3,290,000 | 2,282 |
| Premises and equipment expense | $1,428,000 | 1,505 |
| Additional noninterest expense | $4,331,000 | 1,101 |
| Pre-tax net operating income | $5,804,000 | 1,275 |
| Securities gains (losses) | $380,000 | 749 |
| Applicable income taxes | $2,083,000 | 1,141 |
| Income before extraordinary items | $4,101,000 | 1,328 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,101,000 | 1,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,339 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,850,200 | 1,352 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,580,000 | 1,598 |
| Total interest expense | $10,027,000 | 1,717 |
| Net interest income | $11,553,000 | 1,522 |
| Provision for loan and lease losses | $1,667,000 | 700 |
| Total noninterest income | $1,978,000 | 1,891 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,137,000 | 1,193 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $841,000 | 2,084 |
| Total noninterest expense | $8,236,000 | 1,693 |
| Salaries and employee benefits | $2,867,000 | 2,487 |
| Premises and equipment expense | $1,219,000 | 1,709 |
| Additional noninterest expense | $4,150,000 | 1,119 |
| Pre-tax net operating income | $3,628,000 | 2,012 |
| Securities gains (losses) | $-30,000 | 8,946 |
| Applicable income taxes | $1,183,000 | 1,847 |
| Income before extraordinary items | $2,415,000 | 2,144 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,415,000 | 2,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,348,000 | 611 |
| Cash dividends | $700,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,435,100 | 2,131 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,827,000 | 1,822 |
| Total interest expense | $7,697,000 | 1,944 |
| Net interest income | $10,130,000 | 1,719 |
| Provision for loan and lease losses | $216,000 | 3,389 |
| Total noninterest income | $1,968,000 | 1,883 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,223,000 | 1,096 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $745,000 | 2,270 |
| Total noninterest expense | $8,040,000 | 1,710 |
| Salaries and employee benefits | $2,740,000 | 2,567 |
| Premises and equipment expense | $1,451,000 | 1,394 |
| Additional noninterest expense | $3,849,000 | 1,205 |
| Pre-tax net operating income | $3,842,000 | 1,917 |
| Securities gains (losses) | $-24,000 | 9,608 |
| Applicable income taxes | $1,253,000 | 1,846 |
| Income before extraordinary items | $2,565,000 | 2,057 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,565,000 | 2,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,068 |
| Cash dividends | $1,500,000 | 1,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,581,080 | 2,017 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,520,000 | 1,954 |
| Total interest expense | $7,576,000 | 2,017 |
| Net interest income | $8,944,000 | 1,913 |
| Provision for loan and lease losses | $517,000 | 1,680 |
| Total noninterest income | $2,006,000 | 1,828 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,389,000 | 889 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $617,000 | 2,597 |
| Total noninterest expense | $7,461,000 | 1,752 |
| Salaries and employee benefits | $2,519,000 | 2,693 |
| Premises and equipment expense | $1,117,000 | 1,763 |
| Additional noninterest expense | $3,825,000 | 1,170 |
| Pre-tax net operating income | $2,972,000 | 2,402 |
| Securities gains (losses) | $169,000 | 997 |
| Applicable income taxes | $990,000 | 2,332 |
| Income before extraordinary items | $2,151,000 | 2,391 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,151,000 | 2,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,095 |
| Cash dividends | $2,530,000 | 1,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,036,080 | 2,426 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,666,000 | 2,086 |
| Total interest expense | $6,912,000 | 2,182 |
| Net interest income | $8,754,000 | 1,984 |
| Provision for loan and lease losses | $29,000 | 7,498 |
| Total noninterest income | $2,013,000 | 1,756 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,494,000 | 858 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $519,000 | 2,749 |
| Total noninterest expense | $7,432,000 | 1,749 |
| Salaries and employee benefits | $2,235,000 | 2,967 |
| Premises and equipment expense | $1,361,000 | 1,436 |
| Additional noninterest expense | $3,836,000 | 1,154 |
| Pre-tax net operating income | $3,306,000 | 2,282 |
| Securities gains (losses) | $-9,000 | 9,978 |
| Applicable income taxes | $1,045,000 | 2,345 |
| Income before extraordinary items | $2,252,000 | 2,333 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,252,000 | 2,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $359,000 | 1,733 |
| Cash dividends | $1,615,000 | 1,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,258,120 | 2,264 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,906,000 | 2,258 |
| Total interest expense | $6,578,000 | 2,345 |
| Net interest income | $8,328,000 | 2,156 |
| Provision for loan and lease losses | $106,000 | 4,950 |
| Total noninterest income | $1,973,000 | 1,855 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,528,000 | 862 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $445,000 | 3,167 |
| Total noninterest expense | $6,169,000 | 2,226 |
| Salaries and employee benefits | $1,947,000 | 3,416 |
| Premises and equipment expense | $1,099,000 | 1,826 |
| Additional noninterest expense | $3,123,000 | 1,665 |
| Pre-tax net operating income | $4,026,000 | 1,789 |
| Securities gains (losses) | $-22,000 | 10,677 |
| Applicable income taxes | $1,310,000 | 1,836 |
| Income before extraordinary items | $2,694,000 | 1,830 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,694,000 | 1,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,730 |
| Cash dividends | $2,450,000 | 1,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,708,740 | 1,787 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,890,000 | 2,267 |
| Total interest expense | $6,392,000 | 2,417 |
| Net interest income | $8,498,000 | 2,118 |
| Provision for loan and lease losses | $408,000 | 1,839 |
| Total noninterest income | $2,205,000 | 1,691 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,559,000 | 850 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $646,000 | 2,419 |
| Total noninterest expense | $6,582,000 | 2,100 |
| Salaries and employee benefits | $1,956,000 | 3,373 |
| Premises and equipment expense | $1,183,000 | 1,706 |
| Additional noninterest expense | $3,443,000 | 1,500 |
| Pre-tax net operating income | $3,713,000 | 1,979 |
| Securities gains (losses) | $12,000 | 2,250 |
| Applicable income taxes | $1,188,000 | 2,047 |
| Income before extraordinary items | $2,537,000 | 1,984 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,537,000 | 1,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,805 |
| Cash dividends | $2,968,000 | 937 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,528,840 | 1,966 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,396,000 | 2,009 |
| Total interest expense | $5,588,000 | 2,228 |
| Net interest income | $9,808,000 | 1,841 |
| Provision for loan and lease losses | $573,000 | 1,396 |
| Total noninterest income | $7,839,000 | 686 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,435,000 | 909 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $6,404,000 | 550 |
| Total noninterest expense | $9,110,000 | 1,616 |
| Salaries and employee benefits | $2,528,000 | 2,637 |
| Premises and equipment expense | $1,366,000 | 1,524 |
| Additional noninterest expense | $5,216,000 | 1,135 |
| Pre-tax net operating income | $7,964,000 | 968 |
| Securities gains (losses) | $-838,000 | 12,364 |
| Applicable income taxes | $2,608,000 | 980 |
| Income before extraordinary items | $4,518,000 | 1,120 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,518,000 | 1,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,580,000 | 660 |
| Cash dividends | $5,208,000 | 547 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,054,320 | 1,021 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,870,000 | 1,976 |
| Total interest expense | $5,335,000 | 2,422 |
| Net interest income | $10,535,000 | 1,724 |
| Provision for loan and lease losses | $1,650,000 | 926 |
| Total noninterest income | $3,371,000 | 1,333 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,484,000 | 889 |
| Trading account gains and fees | $-3,000 | 5,067 |
| Additional Noninterest Income | $1,890,000 | 1,306 |
| Total noninterest expense | $9,725,000 | 1,561 |
| Salaries and employee benefits | $2,399,000 | 2,759 |
| Premises and equipment expense | $1,503,000 | 1,420 |
| Additional noninterest expense | $5,823,000 | 1,127 |
| Pre-tax net operating income | $2,531,000 | 2,678 |
| Securities gains (losses) | $320,000 | 1,240 |
| Applicable income taxes | $1,204,000 | 1,913 |
| Income before extraordinary items | $1,647,000 | 2,970 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,647,000 | 3,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,221,000 | 989 |
| Cash dividends | $2,576,000 | 813 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,442,200 | 3,184 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,552,000 | 2,418 |
| Total interest expense | $5,582,000 | 2,981 |
| Net interest income | $8,970,000 | 2,040 |
| Provision for loan and lease losses | $1,529,000 | 1,382 |
| Total noninterest income | $3,094,000 | 1,397 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,573,000 | 832 |
| Trading account gains and fees | $3,000 | 463 |
| Additional Noninterest Income | $1,518,000 | 1,508 |
| Total noninterest expense | $7,885,000 | 1,912 |
| Salaries and employee benefits | $2,061,000 | 3,137 |
| Premises and equipment expense | $1,174,000 | 1,802 |
| Additional noninterest expense | $4,650,000 | 1,418 |
| Pre-tax net operating income | $2,650,000 | 2,333 |
| Securities gains (losses) | $151,000 | 2,405 |
| Applicable income taxes | $977,000 | 2,151 |
| Income before extraordinary items | $1,824,000 | 2,518 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,824,000 | 2,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,128,000 | 1,454 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,725,850 | 2,464 |
* 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.