Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,685,000 | 4,833 |
| Total interest expense | $527,000 | 5,629 |
| Net interest income | $1,158,000 | 4,195 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $401,000 | 2,590 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $171,000 | 2,359 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $230,000 | 2,349 |
| Total noninterest expense | $877,000 | 4,666 |
| Salaries and employee benefits | $431,000 | 5,010 |
| Premises and equipment expense | $116,000 | 4,734 |
| Additional noninterest expense | $330,000 | 3,830 |
| Pre-tax net operating income | $682,000 | 2,462 |
| Securities gains (losses) | $3,000 | 2,367 |
| Applicable income taxes | $197,000 | 1,989 |
| Income before extraordinary items | $488,000 | 2,750 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $488,000 | 2,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,745 |
| Cash dividends | $1,134,000 | 660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $485,870 | 2,678 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,802,000 | 4,818 |
| Total interest expense | $2,360,000 | 5,417 |
| Net interest income | $4,442,000 | 4,327 |
| Provision for loan and lease losses | $-235,000 | 8,445 |
| Total noninterest income | $1,106,000 | 3,332 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $726,000 | 2,300 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $380,000 | 3,832 |
| Total noninterest expense | $3,747,000 | 4,320 |
| Salaries and employee benefits | $1,638,000 | 5,026 |
| Premises and equipment expense | $427,000 | 4,829 |
| Additional noninterest expense | $1,682,000 | 3,111 |
| Pre-tax net operating income | $2,036,000 | 3,278 |
| Securities gains (losses) | $9,000 | 1,380 |
| Applicable income taxes | $571,000 | 2,579 |
| Income before extraordinary items | $1,474,000 | 3,488 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,474,000 | 3,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,413 |
| Cash dividends | $680,000 | 3,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,467,520 | 3,480 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,147,000 | 4,807 |
| Total interest expense | $1,828,000 | 5,346 |
| Net interest income | $3,319,000 | 4,356 |
| Provision for loan and lease losses | $-235,000 | 8,485 |
| Total noninterest income | $840,000 | 3,287 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $538,000 | 2,305 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $302,000 | 3,729 |
| Total noninterest expense | $2,943,000 | 4,151 |
| Salaries and employee benefits | $1,244,000 | 4,977 |
| Premises and equipment expense | $318,000 | 4,833 |
| Additional noninterest expense | $1,381,000 | 2,807 |
| Pre-tax net operating income | $1,451,000 | 3,545 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $404,000 | 2,800 |
| Income before extraordinary items | $1,047,000 | 3,785 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,047,000 | 3,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,856 |
| Cash dividends | $680,000 | 2,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,047,000 | 3,771 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,435,000 | 4,824 |
| Total interest expense | $1,243,000 | 5,298 |
| Net interest income | $2,192,000 | 4,420 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $539,000 | 3,402 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $354,000 | 2,338 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $185,000 | 3,927 |
| Total noninterest expense | $1,772,000 | 4,483 |
| Salaries and employee benefits | $817,000 | 5,072 |
| Premises and equipment expense | $175,000 | 5,426 |
| Additional noninterest expense | $780,000 | 3,265 |
| Pre-tax net operating income | $959,000 | 3,622 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $261,000 | 2,903 |
| Income before extraordinary items | $698,000 | 3,823 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $698,000 | 3,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,902 |
| Cash dividends | $680,000 | 2,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $698,000 | 3,812 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,735,000 | 4,785 |
| Total interest expense | $600,000 | 5,382 |
| Net interest income | $1,135,000 | 4,324 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $255,000 | 3,475 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $162,000 | 2,452 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $93,000 | 3,879 |
| Total noninterest expense | $904,000 | 4,425 |
| Salaries and employee benefits | $407,000 | 5,107 |
| Premises and equipment expense | $85,000 | 5,524 |
| Additional noninterest expense | $412,000 | 3,094 |
| Pre-tax net operating income | $486,000 | 3,589 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $133,000 | 2,900 |
| Income before extraordinary items | $353,000 | 3,793 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $353,000 | 3,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $680,000 | 1,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $353,000 | 3,768 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,497,000 | 4,764 |
| Total interest expense | $2,001,000 | 5,402 |
| Net interest income | $4,496,000 | 4,338 |
| Provision for loan and lease losses | $-85,000 | 8,447 |
| Total noninterest income | $1,080,000 | 3,366 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $734,000 | 2,281 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $346,000 | 4,017 |
| Total noninterest expense | $3,631,000 | 4,281 |
| Salaries and employee benefits | $1,617,000 | 4,955 |
| Premises and equipment expense | $399,000 | 4,923 |
| Additional noninterest expense | $1,615,000 | 3,096 |
| Pre-tax net operating income | $2,030,000 | 3,606 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $522,000 | 3,095 |
| Income before extraordinary items | $1,508,000 | 3,760 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,508,000 | 3,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,332 |
| Cash dividends | $680,000 | 3,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,508,000 | 3,741 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,849,000 | 4,769 |
| Total interest expense | $1,487,000 | 5,363 |
| Net interest income | $3,362,000 | 4,380 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $815,000 | 3,356 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $557,000 | 2,263 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $258,000 | 4,038 |
| Total noninterest expense | $2,635,000 | 4,370 |
| Salaries and employee benefits | $1,200,000 | 4,973 |
| Premises and equipment expense | $306,000 | 4,875 |
| Additional noninterest expense | $1,129,000 | 3,279 |
| Pre-tax net operating income | $1,542,000 | 3,725 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $391,000 | 3,209 |
| Income before extraordinary items | $1,151,000 | 3,836 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,151,000 | 3,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,208 |
| Cash dividends | $680,000 | 2,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,151,000 | 3,822 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,189,000 | 4,771 |
| Total interest expense | $950,000 | 5,360 |
| Net interest income | $2,239,000 | 4,387 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $532,000 | 3,374 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $364,000 | 2,271 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $168,000 | 4,090 |
| Total noninterest expense | $1,817,000 | 4,268 |
| Salaries and employee benefits | $855,000 | 4,785 |
| Premises and equipment expense | $203,000 | 4,881 |
| Additional noninterest expense | $759,000 | 3,264 |
| Pre-tax net operating income | $954,000 | 3,905 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $234,000 | 3,407 |
| Income before extraordinary items | $720,000 | 4,001 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $720,000 | 4,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,231 |
| Cash dividends | $680,000 | 1,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $720,000 | 3,991 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,589,000 | 4,725 |
| Total interest expense | $452,000 | 5,385 |
| Net interest income | $1,137,000 | 4,323 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $252,000 | 3,443 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $174,000 | 2,295 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $78,000 | 4,205 |
| Total noninterest expense | $921,000 | 4,244 |
| Salaries and employee benefits | $434,000 | 4,762 |
| Premises and equipment expense | $102,000 | 4,892 |
| Additional noninterest expense | $385,000 | 3,225 |
| Pre-tax net operating income | $468,000 | 3,899 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $112,000 | 3,441 |
| Income before extraordinary items | $356,000 | 3,983 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $356,000 | 3,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,215 |
| Cash dividends | $680,000 | 1,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $356,000 | 3,965 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,869,000 | 4,659 |
| Total interest expense | $1,434,000 | 5,343 |
| Net interest income | $4,435,000 | 4,302 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,190,000 | 3,164 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $846,000 | 2,010 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $344,000 | 4,059 |
| Total noninterest expense | $3,626,000 | 4,178 |
| Salaries and employee benefits | $1,744,000 | 4,580 |
| Premises and equipment expense | $421,000 | 4,702 |
| Additional noninterest expense | $1,461,000 | 3,299 |
| Pre-tax net operating income | $1,999,000 | 3,689 |
| Securities gains (losses) | $28,000 | 1,142 |
| Applicable income taxes | $500,000 | 3,364 |
| Income before extraordinary items | $1,527,000 | 3,744 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,527,000 | 3,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,648 |
| Cash dividends | $494,000 | 3,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,506,000 | 3,744 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,402,000 | 4,636 |
| Total interest expense | $1,074,000 | 5,251 |
| Net interest income | $3,328,000 | 4,315 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $885,000 | 3,182 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $631,000 | 2,021 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $254,000 | 4,104 |
| Total noninterest expense | $2,719,000 | 4,134 |
| Salaries and employee benefits | $1,317,000 | 4,528 |
| Premises and equipment expense | $313,000 | 4,689 |
| Additional noninterest expense | $1,089,000 | 3,287 |
| Pre-tax net operating income | $1,494,000 | 3,763 |
| Securities gains (losses) | $28,000 | 1,098 |
| Applicable income taxes | $375,000 | 3,430 |
| Income before extraordinary items | $1,147,000 | 3,793 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,147,000 | 3,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 1,567 |
| Cash dividends | $494,000 | 2,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,126,000 | 3,801 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,961,000 | 4,545 |
| Total interest expense | $703,000 | 5,142 |
| Net interest income | $2,258,000 | 4,228 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $588,000 | 3,149 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $418,000 | 1,995 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $170,000 | 4,052 |
| Total noninterest expense | $1,834,000 | 4,078 |
| Salaries and employee benefits | $896,000 | 4,440 |
| Premises and equipment expense | $203,000 | 4,775 |
| Additional noninterest expense | $735,000 | 3,227 |
| Pre-tax net operating income | $1,012,000 | 3,667 |
| Securities gains (losses) | $27,000 | 1,002 |
| Applicable income taxes | $264,000 | 3,324 |
| Income before extraordinary items | $775,000 | 3,701 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $775,000 | 3,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,718 |
| Cash dividends | $494,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $754,750 | 3,722 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,486,000 | 4,526 |
| Total interest expense | $311,000 | 5,377 |
| Net interest income | $1,175,000 | 4,130 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $293,000 | 3,109 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $208,000 | 1,943 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $85,000 | 4,053 |
| Total noninterest expense | $941,000 | 4,028 |
| Salaries and employee benefits | $457,000 | 4,390 |
| Premises and equipment expense | $101,000 | 4,827 |
| Additional noninterest expense | $383,000 | 3,137 |
| Pre-tax net operating income | $527,000 | 3,534 |
| Securities gains (losses) | $3,000 | 1,324 |
| Applicable income taxes | $136,000 | 3,256 |
| Income before extraordinary items | $394,000 | 3,662 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $394,000 | 3,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,116 |
| Cash dividends | $454,000 | 1,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $391,780 | 3,635 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,477,000 | 4,553 |
| Total interest expense | $931,000 | 5,863 |
| Net interest income | $4,546,000 | 4,091 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,060,000 | 3,400 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $762,000 | 2,231 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $298,000 | 4,284 |
| Total noninterest expense | $3,733,000 | 3,961 |
| Salaries and employee benefits | $1,879,000 | 4,197 |
| Premises and equipment expense | $477,000 | 4,244 |
| Additional noninterest expense | $1,377,000 | 3,348 |
| Pre-tax net operating income | $1,873,000 | 3,679 |
| Securities gains (losses) | $120,000 | 1,124 |
| Applicable income taxes | $492,000 | 3,383 |
| Income before extraordinary items | $1,501,000 | 3,643 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,501,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $1,038,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,411,000 | 3,721 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,129,000 | 4,517 |
| Total interest expense | $697,000 | 5,841 |
| Net interest income | $3,432,000 | 4,064 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $768,000 | 3,507 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $544,000 | 2,331 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $224,000 | 4,277 |
| Total noninterest expense | $2,739,000 | 3,994 |
| Salaries and employee benefits | $1,412,000 | 4,145 |
| Premises and equipment expense | $364,000 | 4,176 |
| Additional noninterest expense | $963,000 | 3,528 |
| Pre-tax net operating income | $1,461,000 | 3,630 |
| Securities gains (losses) | $112,000 | 1,101 |
| Applicable income taxes | $398,000 | 3,310 |
| Income before extraordinary items | $1,175,000 | 3,597 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,175,000 | 3,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,309 |
| Cash dividends | $1,038,000 | 1,665 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,091,000 | 3,716 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,751,000 | 4,520 |
| Total interest expense | $465,000 | 5,864 |
| Net interest income | $2,286,000 | 4,075 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $502,000 | 3,563 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $355,000 | 2,363 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $147,000 | 4,337 |
| Total noninterest expense | $1,834,000 | 4,015 |
| Salaries and employee benefits | $932,000 | 4,201 |
| Premises and equipment expense | $248,000 | 4,102 |
| Additional noninterest expense | $654,000 | 3,482 |
| Pre-tax net operating income | $954,000 | 3,638 |
| Securities gains (losses) | $94,000 | 1,069 |
| Applicable income taxes | $269,000 | 3,266 |
| Income before extraordinary items | $779,000 | 3,597 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $779,000 | 3,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,183 |
| Cash dividends | $715,000 | 1,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $709,440 | 3,732 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,356,000 | 4,588 |
| Total interest expense | $234,000 | 5,889 |
| Net interest income | $1,122,000 | 4,124 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $255,000 | 3,477 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $183,000 | 2,254 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $72,000 | 4,381 |
| Total noninterest expense | $932,000 | 3,985 |
| Salaries and employee benefits | $473,000 | 4,184 |
| Premises and equipment expense | $126,000 | 4,084 |
| Additional noninterest expense | $333,000 | 3,437 |
| Pre-tax net operating income | $445,000 | 3,811 |
| Securities gains (losses) | $34,000 | 1,420 |
| Applicable income taxes | $121,000 | 3,475 |
| Income before extraordinary items | $358,000 | 3,797 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $358,000 | 3,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $715,000 | 900 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $332,500 | 3,862 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,197,000 | 4,762 |
| Total interest expense | $1,121,000 | 5,789 |
| Net interest income | $4,076,000 | 4,305 |
| Provision for loan and lease losses | $30,000 | 6,766 |
| Total noninterest income | $1,033,000 | 3,659 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $746,000 | 2,245 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $287,000 | 4,594 |
| Total noninterest expense | $3,329,000 | 4,291 |
| Salaries and employee benefits | $1,738,000 | 4,367 |
| Premises and equipment expense | $432,000 | 4,492 |
| Additional noninterest expense | $1,159,000 | 3,828 |
| Pre-tax net operating income | $1,750,000 | 3,711 |
| Securities gains (losses) | $104,000 | 1,855 |
| Applicable income taxes | $470,000 | 3,477 |
| Income before extraordinary items | $1,384,000 | 3,762 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,384,000 | 3,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,330 |
| Cash dividends | $542,000 | 3,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,306,000 | 3,738 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,962,000 | 4,765 |
| Total interest expense | $900,000 | 5,715 |
| Net interest income | $3,062,000 | 4,328 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $755,000 | 3,769 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $541,000 | 2,317 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $214,000 | 4,661 |
| Total noninterest expense | $2,514,000 | 4,248 |
| Salaries and employee benefits | $1,306,000 | 4,357 |
| Premises and equipment expense | $314,000 | 4,572 |
| Additional noninterest expense | $894,000 | 3,724 |
| Pre-tax net operating income | $1,273,000 | 3,911 |
| Securities gains (losses) | $102,000 | 1,734 |
| Applicable income taxes | $352,000 | 3,631 |
| Income before extraordinary items | $1,023,000 | 3,926 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,023,000 | 3,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,593 |
| Cash dividends | $542,000 | 2,561 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $947,520 | 3,946 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,701,000 | 4,719 |
| Total interest expense | $659,000 | 5,530 |
| Net interest income | $2,042,000 | 4,333 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $485,000 | 3,809 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $341,000 | 2,393 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $144,000 | 4,641 |
| Total noninterest expense | $1,737,000 | 4,122 |
| Salaries and employee benefits | $867,000 | 4,363 |
| Premises and equipment expense | $198,000 | 4,733 |
| Additional noninterest expense | $672,000 | 3,361 |
| Pre-tax net operating income | $760,000 | 4,200 |
| Securities gains (losses) | $15,000 | 2,750 |
| Applicable income taxes | $170,000 | 4,280 |
| Income before extraordinary items | $605,000 | 4,269 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $605,000 | 4,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 2,053 |
| Cash dividends | $274,000 | 3,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $593,300 | 4,124 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,369,000 | 4,695 |
| Total interest expense | $343,000 | 5,500 |
| Net interest income | $1,026,000 | 4,317 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $192,000 | 4,272 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $43,000 | 5,528 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $149,000 | 3,225 |
| Total noninterest expense | $875,000 | 4,082 |
| Salaries and employee benefits | $427,000 | 4,414 |
| Premises and equipment expense | $102,000 | 4,629 |
| Additional noninterest expense | $346,000 | 3,225 |
| Pre-tax net operating income | $313,000 | 4,683 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $60,000 | 4,823 |
| Income before extraordinary items | $253,000 | 4,692 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $253,000 | 4,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 805 |
| Cash dividends | $274,000 | 1,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $253,000 | 4,486 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,965,000 | 4,586 |
| Total interest expense | $1,754,000 | 5,223 |
| Net interest income | $4,211,000 | 4,187 |
| Provision for loan and lease losses | $600,000 | 2,054 |
| Total noninterest income | $779,000 | 4,063 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $503,000 | 2,959 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $276,000 | 4,435 |
| Total noninterest expense | $3,640,000 | 3,827 |
| Salaries and employee benefits | $1,780,000 | 4,132 |
| Premises and equipment expense | $411,000 | 4,550 |
| Additional noninterest expense | $1,449,000 | 3,030 |
| Pre-tax net operating income | $750,000 | 5,928 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-17,000 | 8,897 |
| Income before extraordinary items | $767,000 | 5,316 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $767,000 | 5,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $470,000 | 1,737 |
| Cash dividends | $251,000 | 4,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $767,000 | 5,180 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,773,000 | 4,117 |
| Total interest expense | $3,584,000 | 4,126 |
| Net interest income | $4,189,000 | 3,987 |
| Provision for loan and lease losses | $763,000 | 1,553 |
| Total noninterest income | $829,000 | 3,756 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $486,000 | 2,907 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $343,000 | 3,840 |
| Total noninterest expense | $3,325,000 | 3,993 |
| Salaries and employee benefits | $1,621,000 | 4,270 |
| Premises and equipment expense | $430,000 | 4,376 |
| Additional noninterest expense | $1,274,000 | 3,307 |
| Pre-tax net operating income | $930,000 | 5,093 |
| Securities gains (losses) | $9,000 | 3,652 |
| Applicable income taxes | $145,000 | 5,501 |
| Income before extraordinary items | $794,000 | 4,889 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $794,000 | 4,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 3,161 |
| Cash dividends | $517,000 | 3,390 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $786,350 | 4,798 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,440,000 | 4,857 |
| Total interest expense | $3,128,000 | 4,756 |
| Net interest income | $3,312,000 | 4,810 |
| Provision for loan and lease losses | $425,000 | 2,162 |
| Total noninterest income | $852,000 | 3,517 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $438,000 | 3,014 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $414,000 | 3,262 |
| Total noninterest expense | $2,577,000 | 4,754 |
| Salaries and employee benefits | $1,202,000 | 5,221 |
| Premises and equipment expense | $289,000 | 5,539 |
| Additional noninterest expense | $1,086,000 | 3,735 |
| Pre-tax net operating income | $1,162,000 | 4,816 |
| Securities gains (losses) | $-35,000 | 9,026 |
| Applicable income taxes | $245,000 | 5,026 |
| Income before extraordinary items | $882,000 | 4,738 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $882,000 | 4,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,357 |
| Cash dividends | $240,000 | 4,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $909,300 | 4,648 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,111,000 | 5,489 |
| Total interest expense | $2,275,000 | 5,523 |
| Net interest income | $2,836,000 | 5,377 |
| Provision for loan and lease losses | $100,000 | 5,206 |
| Total noninterest income | $870,000 | 3,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $461,000 | 2,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $409,000 | 3,368 |
| Total noninterest expense | $2,159,000 | 5,385 |
| Salaries and employee benefits | $1,054,000 | 5,685 |
| Premises and equipment expense | $218,000 | 6,530 |
| Additional noninterest expense | $887,000 | 4,431 |
| Pre-tax net operating income | $1,447,000 | 4,195 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $328,000 | 4,609 |
| Income before extraordinary items | $1,119,000 | 4,079 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,119,000 | 4,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,344 |
| Cash dividends | $1,298,000 | 1,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,119,000 | 4,042 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,450,000 | 6,097 |
| Total interest expense | $1,940,000 | 6,292 |
| Net interest income | $2,510,000 | 5,845 |
| Provision for loan and lease losses | $145,000 | 4,249 |
| Total noninterest income | $705,000 | 3,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $477,000 | 2,662 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $228,000 | 4,641 |
| Total noninterest expense | $1,784,000 | 6,031 |
| Salaries and employee benefits | $829,000 | 6,560 |
| Premises and equipment expense | $168,000 | 7,274 |
| Additional noninterest expense | $787,000 | 4,738 |
| Pre-tax net operating income | $1,286,000 | 4,663 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $353,000 | 4,744 |
| Income before extraordinary items | $933,000 | 4,713 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $933,000 | 4,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,434 |
| Cash dividends | $852,000 | 2,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $933,000 | 4,628 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,267,000 | 6,416 |
| Total interest expense | $1,805,000 | 6,675 |
| Net interest income | $2,462,000 | 6,112 |
| Provision for loan and lease losses | $175,000 | 3,795 |
| Total noninterest income | $646,000 | 4,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $390,000 | 3,286 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $256,000 | 4,304 |
| Total noninterest expense | $1,689,000 | 6,325 |
| Salaries and employee benefits | $800,000 | 6,781 |
| Premises and equipment expense | $148,000 | 7,841 |
| Additional noninterest expense | $741,000 | 4,996 |
| Pre-tax net operating income | $1,244,000 | 5,119 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $320,000 | 5,547 |
| Income before extraordinary items | $924,000 | 4,965 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $924,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,267 |
| Cash dividends | $555,000 | 3,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $924,000 | 4,912 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,962,000 | 6,906 |
| Total interest expense | $1,731,000 | 7,008 |
| Net interest income | $2,231,000 | 6,705 |
| Provision for loan and lease losses | $235,000 | 3,076 |
| Total noninterest income | $802,000 | 3,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $337,000 | 3,878 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $465,000 | 3,076 |
| Total noninterest expense | $1,621,000 | 6,788 |
| Salaries and employee benefits | $748,000 | 7,259 |
| Premises and equipment expense | $139,000 | 8,316 |
| Additional noninterest expense | $734,000 | 5,552 |
| Pre-tax net operating income | $1,177,000 | 5,193 |
| Securities gains (losses) | $-11,000 | 10,330 |
| Applicable income taxes | $282,000 | 6,045 |
| Income before extraordinary items | $884,000 | 4,944 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $884,000 | 4,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,887 |
| Cash dividends | $247,000 | 5,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $892,360 | 4,845 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,680,000 | 7,327 |
| Total interest expense | $1,618,000 | 7,362 |
| Net interest income | $2,062,000 | 7,163 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $679,000 | 4,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $315,000 | 4,126 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $364,000 | 3,514 |
| Total noninterest expense | $1,466,000 | 7,377 |
| Salaries and employee benefits | $674,000 | 7,898 |
| Premises and equipment expense | $160,000 | 8,033 |
| Additional noninterest expense | $632,000 | 6,321 |
| Pre-tax net operating income | $1,215,000 | 5,202 |
| Securities gains (losses) | $136,000 | 824 |
| Applicable income taxes | $346,000 | 5,489 |
| Income before extraordinary items | $1,005,000 | 4,601 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,005,000 | 4,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 11,179 |
| Cash dividends | $208,000 | 5,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $904,360 | 4,958 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,804,000 | 8,378 |
| Total interest expense | $1,192,000 | 7,938 |
| Net interest income | $1,612,000 | 8,554 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $779,000 | 3,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $257,000 | 4,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $522,000 | 2,878 |
| Total noninterest expense | $1,545,000 | 7,458 |
| Salaries and employee benefits | $697,000 | 7,907 |
| Premises and equipment expense | $153,000 | 8,471 |
| Additional noninterest expense | $695,000 | 6,357 |
| Pre-tax net operating income | $786,000 | 6,942 |
| Securities gains (losses) | $-11,000 | 9,904 |
| Applicable income taxes | $139,000 | 8,530 |
| Income before extraordinary items | $636,000 | 6,297 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $636,000 | 6,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 2,133 |
| Cash dividends | $98,000 | 7,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $645,020 | 6,320 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,534,000 | 9,121 |
| Total interest expense | $1,067,000 | 8,813 |
| Net interest income | $1,467,000 | 9,218 |
| Provision for loan and lease losses | $52,000 | 7,360 |
| Total noninterest income | $743,000 | 4,250 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $494,000 | 3,288 |
| Total noninterest expense | $1,451,000 | 7,994 |
| Salaries and employee benefits | $701,000 | 7,989 |
| Premises and equipment expense | $80,000 | 11,146 |
| Additional noninterest expense | $670,000 | 6,794 |
| Pre-tax net operating income | $707,000 | 7,330 |
| Securities gains (losses) | $121,000 | 2,242 |
| Applicable income taxes | $172,000 | 8,163 |
| Income before extraordinary items | $656,000 | 6,389 |
| Extraordinary gains, net | $364,000 | 603 |
| Net income | $1,020,000 | 4,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 5,461 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $560,410 | 6,815 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $394,000 | 13,780 |
| Total interest expense | $103,000 | 13,819 |
| Net interest income | $291,000 | 13,636 |
| Provision for loan and lease losses | $18,000 | 10,694 |
| Total noninterest income | $187,000 | 9,674 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 10,547 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 6,812 |
| Total noninterest expense | $216,000 | 13,775 |
| Salaries and employee benefits | $107,000 | 13,768 |
| Premises and equipment expense | $27,000 | 13,499 |
| Additional noninterest expense | $82,000 | 13,673 |
| Pre-tax net operating income | $244,000 | 10,666 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $32,000 | 11,754 |
| Income before extraordinary items | $212,000 | 10,438 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $212,000 | 10,576 |
| 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 | $0 | 1,165 |
| Net operating income | $212,000 | 10,083 |
* 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.