Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,564,000 | 1,361 |
| Total interest expense | $3,365,000 | 1,401 |
| Net interest income | $4,199,000 | 1,322 |
| Provision for loan and lease losses | $578,000 | 929 |
| Total noninterest income | $1,799,000 | 823 |
| Gross Fiduciary activities income | $137,000 | 582 |
| Service charges on deposit accounts | $439,000 | 991 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,223,000 | 726 |
| Total noninterest expense | $4,299,000 | 1,129 |
| Salaries and employee benefits | $1,328,000 | 1,984 |
| Premises and equipment expense | $250,000 | 2,667 |
| Additional noninterest expense | $2,721,000 | 551 |
| Pre-tax net operating income | $1,121,000 | 1,612 |
| Securities gains (losses) | $16,000 | 1,726 |
| Applicable income taxes | $341,000 | 1,346 |
| Income before extraordinary items | $796,000 | 1,819 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $796,000 | 1,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,281,000 | 217 |
| Cash dividends | $2,110,000 | 403 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $784,800 | 1,778 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $98,924,000 | 444 |
| Total interest expense | $44,161,000 | 463 |
| Net interest income | $54,763,000 | 427 |
| Provision for loan and lease losses | $6,376,000 | 340 |
| Total noninterest income | $14,072,000 | 480 |
| Gross Fiduciary activities income | $788,000 | 480 |
| Service charges on deposit accounts | $5,182,000 | 344 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $8,102,000 | 472 |
| Total noninterest expense | $41,559,000 | 463 |
| Salaries and employee benefits | $11,355,000 | 871 |
| Premises and equipment expense | $3,196,000 | 830 |
| Additional noninterest expense | $27,008,000 | 278 |
| Pre-tax net operating income | $20,900,000 | 447 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,852,000 | 431 |
| Income before extraordinary items | $14,048,000 | 479 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $14,048,000 | 476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,273,000 | 261 |
| Cash dividends | $8,743,000 | 464 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $14,048,000 | 474 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $74,621,000 | 440 |
| Total interest expense | $33,368,000 | 467 |
| Net interest income | $41,253,000 | 425 |
| Provision for loan and lease losses | $2,301,000 | 465 |
| Total noninterest income | $10,436,000 | 493 |
| Gross Fiduciary activities income | $609,000 | 472 |
| Service charges on deposit accounts | $3,799,000 | 347 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $6,028,000 | 482 |
| Total noninterest expense | $31,095,000 | 457 |
| Salaries and employee benefits | $8,472,000 | 880 |
| Premises and equipment expense | $2,407,000 | 822 |
| Additional noninterest expense | $20,216,000 | 264 |
| Pre-tax net operating income | $18,293,000 | 432 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $6,078,000 | 408 |
| Income before extraordinary items | $12,215,000 | 453 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $12,215,000 | 451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,587,000 | 206 |
| Cash dividends | $6,614,000 | 449 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $12,215,000 | 444 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $49,598,000 | 451 |
| Total interest expense | $21,955,000 | 481 |
| Net interest income | $27,643,000 | 434 |
| Provision for loan and lease losses | $678,000 | 796 |
| Total noninterest income | $6,935,000 | 514 |
| Gross Fiduciary activities income | $414,000 | 474 |
| Service charges on deposit accounts | $2,509,000 | 360 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $4,012,000 | 503 |
| Total noninterest expense | $20,543,000 | 474 |
| Salaries and employee benefits | $5,641,000 | 905 |
| Premises and equipment expense | $1,609,000 | 834 |
| Additional noninterest expense | $13,293,000 | 275 |
| Pre-tax net operating income | $13,357,000 | 444 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $4,470,000 | 415 |
| Income before extraordinary items | $8,887,000 | 464 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,887,000 | 463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $712,000 | 563 |
| Cash dividends | $4,521,000 | 456 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $8,887,000 | 454 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $24,305,000 | 460 |
| Total interest expense | $10,621,000 | 492 |
| Net interest income | $13,684,000 | 439 |
| Provision for loan and lease losses | $678,000 | 403 |
| Total noninterest income | $3,548,000 | 492 |
| Gross Fiduciary activities income | $229,000 | 450 |
| Service charges on deposit accounts | $1,257,000 | 348 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,062,000 | 486 |
| Total noninterest expense | $10,274,000 | 480 |
| Salaries and employee benefits | $2,796,000 | 913 |
| Premises and equipment expense | $773,000 | 869 |
| Additional noninterest expense | $6,705,000 | 267 |
| Pre-tax net operating income | $6,280,000 | 458 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,097,000 | 436 |
| Income before extraordinary items | $4,183,000 | 473 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,183,000 | 472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 598 |
| Cash dividends | $2,410,000 | 397 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $4,183,000 | 463 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $94,683,000 | 436 |
| Total interest expense | $37,927,000 | 473 |
| Net interest income | $56,756,000 | 407 |
| Provision for loan and lease losses | $1,737,000 | 627 |
| Total noninterest income | $15,006,000 | 468 |
| Gross Fiduciary activities income | $762,000 | 474 |
| Service charges on deposit accounts | $5,742,000 | 311 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,502,000 | 464 |
| Total noninterest expense | $40,688,000 | 470 |
| Salaries and employee benefits | $10,884,000 | 882 |
| Premises and equipment expense | $3,103,000 | 802 |
| Additional noninterest expense | $26,701,000 | 261 |
| Pre-tax net operating income | $29,337,000 | 419 |
| Securities gains (losses) | $27,000 | 828 |
| Applicable income taxes | $9,927,000 | 394 |
| Income before extraordinary items | $19,437,000 | 438 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $19,437,000 | 437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,229,000 | 352 |
| Cash dividends | $14,497,000 | 303 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $19,419,180 | 429 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $69,895,000 | 449 |
| Total interest expense | $27,507,000 | 481 |
| Net interest income | $42,388,000 | 427 |
| Provision for loan and lease losses | $1,341,000 | 591 |
| Total noninterest income | $11,461,000 | 480 |
| Gross Fiduciary activities income | $576,000 | 473 |
| Service charges on deposit accounts | $4,362,000 | 308 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,523,000 | 473 |
| Total noninterest expense | $30,024,000 | 487 |
| Salaries and employee benefits | $7,882,000 | 926 |
| Premises and equipment expense | $2,361,000 | 813 |
| Additional noninterest expense | $19,781,000 | 270 |
| Pre-tax net operating income | $22,484,000 | 434 |
| Securities gains (losses) | $25,000 | 696 |
| Applicable income taxes | $7,613,000 | 414 |
| Income before extraordinary items | $14,896,000 | 449 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $14,896,000 | 448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,164,000 | 408 |
| Cash dividends | $7,654,000 | 366 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $14,879,500 | 439 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $45,523,000 | 449 |
| Total interest expense | $17,577,000 | 478 |
| Net interest income | $27,946,000 | 432 |
| Provision for loan and lease losses | $987,000 | 522 |
| Total noninterest income | $7,780,000 | 470 |
| Gross Fiduciary activities income | $407,000 | 464 |
| Service charges on deposit accounts | $3,053,000 | 285 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,320,000 | 475 |
| Total noninterest expense | $19,808,000 | 496 |
| Salaries and employee benefits | $5,105,000 | 961 |
| Premises and equipment expense | $1,577,000 | 816 |
| Additional noninterest expense | $13,126,000 | 277 |
| Pre-tax net operating income | $14,931,000 | 430 |
| Securities gains (losses) | $25,000 | 568 |
| Applicable income taxes | $5,056,000 | 413 |
| Income before extraordinary items | $9,900,000 | 446 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,900,000 | 445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $978,000 | 345 |
| Cash dividends | $4,848,000 | 392 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $9,883,500 | 436 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $11,864,000 | 769 |
| Total interest expense | $4,429,000 | 833 |
| Net interest income | $7,435,000 | 759 |
| Provision for loan and lease losses | $-62,000 | 8,640 |
| Total noninterest income | $2,793,000 | 571 |
| Gross Fiduciary activities income | $216,000 | 455 |
| Service charges on deposit accounts | $897,000 | 463 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,680,000 | 554 |
| Total noninterest expense | $5,927,000 | 759 |
| Salaries and employee benefits | $1,609,000 | 1,550 |
| Premises and equipment expense | $433,000 | 1,499 |
| Additional noninterest expense | $3,885,000 | 401 |
| Pre-tax net operating income | $4,363,000 | 613 |
| Securities gains (losses) | $25,000 | 436 |
| Applicable income taxes | $1,468,000 | 604 |
| Income before extraordinary items | $2,920,000 | 669 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,920,000 | 668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,127 |
| Cash dividends | $1,512,000 | 508 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,903,250 | 655 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $43,219,000 | 742 |
| Total interest expense | $14,166,000 | 803 |
| Net interest income | $29,053,000 | 723 |
| Provision for loan and lease losses | $840,000 | 1,209 |
| Total noninterest income | $11,472,000 | 566 |
| Gross Fiduciary activities income | $610,000 | 528 |
| Service charges on deposit accounts | $3,803,000 | 449 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,059,000 | 539 |
| Total noninterest expense | $23,126,000 | 745 |
| Salaries and employee benefits | $6,379,000 | 1,466 |
| Premises and equipment expense | $1,794,000 | 1,371 |
| Additional noninterest expense | $14,953,000 | 419 |
| Pre-tax net operating income | $16,559,000 | 622 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $5,494,000 | 602 |
| Income before extraordinary items | $11,065,000 | 668 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $11,065,000 | 669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $403,000 | 1,391 |
| Cash dividends | $5,185,000 | 637 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $11,065,000 | 653 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $31,661,000 | 733 |
| Total interest expense | $10,125,000 | 794 |
| Net interest income | $21,536,000 | 717 |
| Provision for loan and lease losses | $540,000 | 1,309 |
| Total noninterest income | $8,470,000 | 577 |
| Gross Fiduciary activities income | $441,000 | 537 |
| Service charges on deposit accounts | $2,821,000 | 448 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,208,000 | 548 |
| Total noninterest expense | $17,242,000 | 732 |
| Salaries and employee benefits | $4,735,000 | 1,465 |
| Premises and equipment expense | $1,352,000 | 1,348 |
| Additional noninterest expense | $11,155,000 | 413 |
| Pre-tax net operating income | $12,224,000 | 622 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $4,046,000 | 616 |
| Income before extraordinary items | $8,178,000 | 678 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,178,000 | 678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 2,846 |
| Cash dividends | $2,685,000 | 825 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $8,178,000 | 655 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $20,514,000 | 740 |
| Total interest expense | $6,416,000 | 780 |
| Net interest income | $14,098,000 | 722 |
| Provision for loan and lease losses | $240,000 | 1,839 |
| Total noninterest income | $5,357,000 | 594 |
| Gross Fiduciary activities income | $271,000 | 562 |
| Service charges on deposit accounts | $1,788,000 | 462 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,298,000 | 561 |
| Total noninterest expense | $11,453,000 | 732 |
| Salaries and employee benefits | $3,135,000 | 1,478 |
| Premises and equipment expense | $923,000 | 1,300 |
| Additional noninterest expense | $7,395,000 | 412 |
| Pre-tax net operating income | $7,762,000 | 636 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,559,000 | 630 |
| Income before extraordinary items | $5,203,000 | 692 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,203,000 | 692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 1,596 |
| Cash dividends | $2,685,000 | 561 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $5,203,000 | 672 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $10,028,000 | 748 |
| Total interest expense | $3,043,000 | 785 |
| Net interest income | $6,985,000 | 726 |
| Provision for loan and lease losses | $300,000 | 755 |
| Total noninterest income | $2,462,000 | 618 |
| Gross Fiduciary activities income | $150,000 | 539 |
| Service charges on deposit accounts | $797,000 | 504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,515,000 | 578 |
| Total noninterest expense | $5,691,000 | 730 |
| Salaries and employee benefits | $1,565,000 | 1,489 |
| Premises and equipment expense | $475,000 | 1,265 |
| Additional noninterest expense | $3,651,000 | 402 |
| Pre-tax net operating income | $3,456,000 | 709 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,128,000 | 694 |
| Income before extraordinary items | $2,328,000 | 753 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,328,000 | 754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 1,146 |
| Cash dividends | $1,349,000 | 510 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,328,000 | 732 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $37,603,000 | 734 |
| Total interest expense | $11,251,000 | 743 |
| Net interest income | $26,352,000 | 740 |
| Provision for loan and lease losses | $1,431,000 | 748 |
| Total noninterest income | $10,490,000 | 584 |
| Gross Fiduciary activities income | $520,000 | 563 |
| Service charges on deposit accounts | $3,706,000 | 484 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,264,000 | 557 |
| Total noninterest expense | $22,108,000 | 734 |
| Salaries and employee benefits | $6,760,000 | 1,298 |
| Premises and equipment expense | $1,883,000 | 1,213 |
| Additional noninterest expense | $13,465,000 | 431 |
| Pre-tax net operating income | $13,303,000 | 681 |
| Securities gains (losses) | $-25,000 | 8,437 |
| Applicable income taxes | $4,254,000 | 670 |
| Income before extraordinary items | $9,024,000 | 739 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $9,024,000 | 740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $867,000 | 876 |
| Cash dividends | $5,316,000 | 583 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $9,041,000 | 707 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $27,662,000 | 747 |
| Total interest expense | $8,296,000 | 735 |
| Net interest income | $19,366,000 | 747 |
| Provision for loan and lease losses | $1,083,000 | 728 |
| Total noninterest income | $7,861,000 | 594 |
| Gross Fiduciary activities income | $370,000 | 579 |
| Service charges on deposit accounts | $2,865,000 | 475 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,626,000 | 579 |
| Total noninterest expense | $16,426,000 | 725 |
| Salaries and employee benefits | $5,075,000 | 1,299 |
| Premises and equipment expense | $1,454,000 | 1,185 |
| Additional noninterest expense | $9,897,000 | 435 |
| Pre-tax net operating income | $9,718,000 | 705 |
| Securities gains (losses) | $-30,000 | 8,730 |
| Applicable income taxes | $3,084,000 | 704 |
| Income before extraordinary items | $6,604,000 | 763 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,604,000 | 764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $551,000 | 880 |
| Cash dividends | $4,012,000 | 545 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,624,400 | 728 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $18,111,000 | 758 |
| Total interest expense | $5,436,000 | 732 |
| Net interest income | $12,675,000 | 756 |
| Provision for loan and lease losses | $735,000 | 694 |
| Total noninterest income | $5,330,000 | 590 |
| Gross Fiduciary activities income | $245,000 | 579 |
| Service charges on deposit accounts | $1,965,000 | 452 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,120,000 | 578 |
| Total noninterest expense | $11,062,000 | 726 |
| Salaries and employee benefits | $3,371,000 | 1,295 |
| Premises and equipment expense | $1,008,000 | 1,143 |
| Additional noninterest expense | $6,683,000 | 427 |
| Pre-tax net operating income | $6,208,000 | 726 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,964,000 | 731 |
| Income before extraordinary items | $4,244,000 | 775 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,244,000 | 775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $474,000 | 742 |
| Cash dividends | $2,738,000 | 541 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,244,000 | 741 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $9,079,000 | 769 |
| Total interest expense | $2,680,000 | 752 |
| Net interest income | $6,399,000 | 762 |
| Provision for loan and lease losses | $262,000 | 912 |
| Total noninterest income | $2,302,000 | 654 |
| Gross Fiduciary activities income | $117,000 | 604 |
| Service charges on deposit accounts | $942,000 | 461 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,243,000 | 675 |
| Total noninterest expense | $5,330,000 | 754 |
| Salaries and employee benefits | $1,651,000 | 1,344 |
| Premises and equipment expense | $513,000 | 1,149 |
| Additional noninterest expense | $3,166,000 | 441 |
| Pre-tax net operating income | $3,109,000 | 718 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $979,000 | 746 |
| Income before extraordinary items | $2,130,000 | 781 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,130,000 | 781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 1,111 |
| Cash dividends | $1,409,000 | 495 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,130,000 | 730 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $36,689,000 | 773 |
| Total interest expense | $11,272,000 | 789 |
| Net interest income | $25,417,000 | 748 |
| Provision for loan and lease losses | $985,000 | 1,211 |
| Total noninterest income | $12,956,000 | 540 |
| Gross Fiduciary activities income | $412,000 | 624 |
| Service charges on deposit accounts | $3,415,000 | 507 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $9,129,000 | 481 |
| Total noninterest expense | $22,961,000 | 713 |
| Salaries and employee benefits | $6,987,000 | 1,220 |
| Premises and equipment expense | $2,341,000 | 977 |
| Additional noninterest expense | $13,633,000 | 433 |
| Pre-tax net operating income | $14,427,000 | 620 |
| Securities gains (losses) | $57,000 | 2,386 |
| Applicable income taxes | $4,414,000 | 683 |
| Income before extraordinary items | $10,070,000 | 653 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $10,070,000 | 655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $290,000 | 2,300 |
| Cash dividends | $4,401,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $10,030,100 | 615 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $27,498,000 | 791 |
| Total interest expense | $8,595,000 | 807 |
| Net interest income | $18,903,000 | 766 |
| Provision for loan and lease losses | $760,000 | 1,129 |
| Total noninterest income | $10,166,000 | 554 |
| Gross Fiduciary activities income | $285,000 | 647 |
| Service charges on deposit accounts | $2,447,000 | 535 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,434,000 | 478 |
| Total noninterest expense | $17,221,000 | 731 |
| Salaries and employee benefits | $5,317,000 | 1,216 |
| Premises and equipment expense | $1,736,000 | 997 |
| Additional noninterest expense | $10,168,000 | 450 |
| Pre-tax net operating income | $11,088,000 | 625 |
| Securities gains (losses) | $57,000 | 2,204 |
| Applicable income taxes | $3,391,000 | 696 |
| Income before extraordinary items | $7,754,000 | 662 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,754,000 | 663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 1,955 |
| Cash dividends | $3,092,000 | 716 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,714,100 | 624 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $18,408,000 | 800 |
| Total interest expense | $5,840,000 | 822 |
| Net interest income | $12,568,000 | 769 |
| Provision for loan and lease losses | $485,000 | 1,180 |
| Total noninterest income | $6,645,000 | 559 |
| Gross Fiduciary activities income | $184,000 | 659 |
| Service charges on deposit accounts | $1,611,000 | 534 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,850,000 | 482 |
| Total noninterest expense | $11,154,000 | 738 |
| Salaries and employee benefits | $3,332,000 | 1,302 |
| Premises and equipment expense | $1,165,000 | 984 |
| Additional noninterest expense | $6,657,000 | 454 |
| Pre-tax net operating income | $7,574,000 | 609 |
| Securities gains (losses) | $44,000 | 2,102 |
| Applicable income taxes | $2,307,000 | 690 |
| Income before extraordinary items | $5,311,000 | 654 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,311,000 | 654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 2,718 |
| Cash dividends | $2,067,000 | 720 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,280,200 | 608 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $9,325,000 | 795 |
| Total interest expense | $2,978,000 | 828 |
| Net interest income | $6,347,000 | 752 |
| Provision for loan and lease losses | $260,000 | 1,076 |
| Total noninterest income | $3,074,000 | 579 |
| Gross Fiduciary activities income | $91,000 | 672 |
| Service charges on deposit accounts | $773,000 | 539 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,210,000 | 507 |
| Total noninterest expense | $5,461,000 | 751 |
| Salaries and employee benefits | $1,624,000 | 1,337 |
| Premises and equipment expense | $563,000 | 1,022 |
| Additional noninterest expense | $3,274,000 | 457 |
| Pre-tax net operating income | $3,700,000 | 621 |
| Securities gains (losses) | $44,000 | 1,461 |
| Applicable income taxes | $1,129,000 | 707 |
| Income before extraordinary items | $2,615,000 | 655 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,615,000 | 654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,807 |
| Cash dividends | $1,025,000 | 666 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,584,200 | 617 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $39,029,000 | 772 |
| Total interest expense | $13,896,000 | 808 |
| Net interest income | $25,133,000 | 753 |
| Provision for loan and lease losses | $185,000 | 4,507 |
| Total noninterest income | $9,137,000 | 666 |
| Gross Fiduciary activities income | $373,000 | 656 |
| Service charges on deposit accounts | $2,248,000 | 714 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,516,000 | 580 |
| Total noninterest expense | $20,502,000 | 778 |
| Salaries and employee benefits | $5,809,000 | 1,401 |
| Premises and equipment expense | $1,772,000 | 1,245 |
| Additional noninterest expense | $12,921,000 | 466 |
| Pre-tax net operating income | $13,583,000 | 650 |
| Securities gains (losses) | $237,000 | 1,059 |
| Applicable income taxes | $4,150,000 | 709 |
| Income before extraordinary items | $9,670,000 | 649 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $9,670,000 | 650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 3,291 |
| Cash dividends | $4,122,000 | 724 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $9,504,100 | 631 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $43,928,000 | 772 |
| Total interest expense | $20,874,000 | 786 |
| Net interest income | $23,054,000 | 767 |
| Provision for loan and lease losses | $1,600,000 | 852 |
| Total noninterest income | $5,201,000 | 959 |
| Gross Fiduciary activities income | $332,000 | 702 |
| Service charges on deposit accounts | $1,628,000 | 907 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,241,000 | 886 |
| Total noninterest expense | $17,899,000 | 845 |
| Salaries and employee benefits | $8,348,000 | 889 |
| Premises and equipment expense | $3,174,000 | 678 |
| Additional noninterest expense | $6,377,000 | 782 |
| Pre-tax net operating income | $8,756,000 | 865 |
| Securities gains (losses) | $213,000 | 1,143 |
| Applicable income taxes | $2,421,000 | 1,001 |
| Income before extraordinary items | $6,548,000 | 847 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,548,000 | 849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,601,000 | 676 |
| Cash dividends | $3,357,000 | 831 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,392,510 | 819 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $42,868,000 | 832 |
| Total interest expense | $20,049,000 | 887 |
| Net interest income | $22,819,000 | 765 |
| Provision for loan and lease losses | $1,082,000 | 995 |
| Total noninterest income | $2,926,000 | 1,379 |
| Gross Fiduciary activities income | $380,000 | 674 |
| Service charges on deposit accounts | $1,362,000 | 987 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,184,000 | 1,664 |
| Total noninterest expense | $15,237,000 | 925 |
| Salaries and employee benefits | $7,815,000 | 892 |
| Premises and equipment expense | $2,607,000 | 775 |
| Additional noninterest expense | $4,815,000 | 975 |
| Pre-tax net operating income | $9,426,000 | 816 |
| Securities gains (losses) | $-52,000 | 9,214 |
| Applicable income taxes | $2,454,000 | 980 |
| Income before extraordinary items | $6,920,000 | 786 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,920,000 | 786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $585,000 | 1,107 |
| Cash dividends | $3,258,000 | 891 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,958,480 | 775 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $38,495,000 | 886 |
| Total interest expense | $17,566,000 | 901 |
| Net interest income | $20,929,000 | 843 |
| Provision for loan and lease losses | $1,445,000 | 729 |
| Total noninterest income | $3,103,000 | 1,316 |
| Gross Fiduciary activities income | $359,000 | 729 |
| Service charges on deposit accounts | $1,263,000 | 1,054 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,481,000 | 1,411 |
| Total noninterest expense | $14,206,000 | 983 |
| Salaries and employee benefits | $7,297,000 | 938 |
| Premises and equipment expense | $2,495,000 | 810 |
| Additional noninterest expense | $4,414,000 | 1,066 |
| Pre-tax net operating income | $8,381,000 | 954 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $1,946,000 | 1,256 |
| Income before extraordinary items | $6,439,000 | 874 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,439,000 | 874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $912,000 | 755 |
| Cash dividends | $2,692,000 | 1,063 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $6,435,920 | 861 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $35,872,000 | 925 |
| Total interest expense | $17,130,000 | 924 |
| Net interest income | $18,742,000 | 910 |
| Provision for loan and lease losses | $1,135,000 | 869 |
| Total noninterest income | $2,629,000 | 1,490 |
| Gross Fiduciary activities income | $272,000 | 805 |
| Service charges on deposit accounts | $1,161,000 | 1,088 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,196,000 | 1,630 |
| Total noninterest expense | $12,806,000 | 1,037 |
| Salaries and employee benefits | $6,440,000 | 1,017 |
| Premises and equipment expense | $2,174,000 | 897 |
| Additional noninterest expense | $4,192,000 | 1,082 |
| Pre-tax net operating income | $7,430,000 | 1,030 |
| Securities gains (losses) | $158,000 | 1,027 |
| Applicable income taxes | $1,657,000 | 1,478 |
| Income before extraordinary items | $5,931,000 | 915 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,931,000 | 914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $786,000 | 902 |
| Cash dividends | $7,579,000 | 479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,807,760 | 903 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $33,052,000 | 1,037 |
| Total interest expense | $16,634,000 | 980 |
| Net interest income | $16,418,000 | 1,072 |
| Provision for loan and lease losses | $550,000 | 1,649 |
| Total noninterest income | $2,330,000 | 1,560 |
| Gross Fiduciary activities income | $213,000 | 879 |
| Service charges on deposit accounts | $991,000 | 1,296 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,126,000 | 1,625 |
| Total noninterest expense | $11,690,000 | 1,135 |
| Salaries and employee benefits | $6,280,000 | 1,053 |
| Premises and equipment expense | $1,818,000 | 1,092 |
| Additional noninterest expense | $3,592,000 | 1,224 |
| Pre-tax net operating income | $6,508,000 | 1,210 |
| Securities gains (losses) | $-19,000 | 10,340 |
| Applicable income taxes | $1,324,000 | 1,913 |
| Income before extraordinary items | $5,165,000 | 1,067 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,165,000 | 1,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 1,487 |
| Cash dividends | $1,911,000 | 1,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,180,200 | 1,033 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $30,419,000 | 1,135 |
| Total interest expense | $14,897,000 | 1,097 |
| Net interest income | $15,522,000 | 1,166 |
| Provision for loan and lease losses | $595,000 | 1,531 |
| Total noninterest income | $2,136,000 | 1,741 |
| Gross Fiduciary activities income | $163,000 | 1,018 |
| Service charges on deposit accounts | $957,000 | 1,404 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,016,000 | 1,797 |
| Total noninterest expense | $10,372,000 | 1,380 |
| Salaries and employee benefits | $5,864,000 | 1,149 |
| Premises and equipment expense | $1,305,000 | 1,557 |
| Additional noninterest expense | $3,203,000 | 1,622 |
| Pre-tax net operating income | $6,691,000 | 1,108 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $1,491,000 | 1,608 |
| Income before extraordinary items | $5,205,000 | 1,007 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,205,000 | 1,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $404,000 | 1,672 |
| Cash dividends | $1,994,000 | 1,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,201,100 | 991 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $28,188,000 | 1,216 |
| Total interest expense | $13,908,000 | 1,198 |
| Net interest income | $14,280,000 | 1,261 |
| Provision for loan and lease losses | $300,000 | 2,267 |
| Total noninterest income | $1,987,000 | 1,838 |
| Gross Fiduciary activities income | $116,000 | 1,135 |
| Service charges on deposit accounts | $910,000 | 1,501 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $961,000 | 1,845 |
| Total noninterest expense | $9,869,000 | 1,438 |
| Salaries and employee benefits | $5,343,000 | 1,249 |
| Premises and equipment expense | $1,302,000 | 1,564 |
| Additional noninterest expense | $3,224,000 | 1,594 |
| Pre-tax net operating income | $6,098,000 | 1,249 |
| Securities gains (losses) | $25,000 | 1,741 |
| Applicable income taxes | $1,449,000 | 1,694 |
| Income before extraordinary items | $4,674,000 | 1,134 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,674,000 | 1,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,278 |
| Cash dividends | $1,828,000 | 1,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,655,000 | 1,115 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $24,172,000 | 1,301 |
| Total interest expense | $10,905,000 | 1,202 |
| Net interest income | $13,267,000 | 1,351 |
| Provision for loan and lease losses | $360,000 | 1,966 |
| Total noninterest income | $1,728,000 | 2,060 |
| Gross Fiduciary activities income | $101,000 | 1,181 |
| Service charges on deposit accounts | $787,000 | 1,719 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $840,000 | 2,075 |
| Total noninterest expense | $9,127,000 | 1,612 |
| Salaries and employee benefits | $4,804,000 | 1,408 |
| Premises and equipment expense | $1,172,000 | 1,754 |
| Additional noninterest expense | $3,151,000 | 1,729 |
| Pre-tax net operating income | $5,508,000 | 1,350 |
| Securities gains (losses) | $-107,000 | 11,569 |
| Applicable income taxes | $1,394,000 | 1,656 |
| Income before extraordinary items | $4,007,000 | 1,257 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,007,000 | 1,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $2,357,000 | 965 |
| Sale, conversion, retirement of capital stock, net | $3,021,000 | 234 |
| Net operating income | $4,086,180 | 1,247 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $23,556,000 | 1,348 |
| Total interest expense | $11,339,000 | 1,198 |
| Net interest income | $12,217,000 | 1,483 |
| Provision for loan and lease losses | $1,125,000 | 1,201 |
| Total noninterest income | $2,029,000 | 1,960 |
| Gross Fiduciary activities income | $68,000 | 1,280 |
| Service charges on deposit accounts | $658,000 | 2,071 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,303,000 | 1,714 |
| Total noninterest expense | $8,757,000 | 1,734 |
| Salaries and employee benefits | $4,319,000 | 1,564 |
| Premises and equipment expense | $1,066,000 | 1,941 |
| Additional noninterest expense | $3,372,000 | 1,738 |
| Pre-tax net operating income | $4,364,000 | 1,597 |
| Securities gains (losses) | $50,000 | 3,394 |
| Applicable income taxes | $824,000 | 2,694 |
| Income before extraordinary items | $3,590,000 | 1,421 |
| Extraordinary gains, net | $158,000 | 1,187 |
| Net income | $3,748,000 | 1,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $722,000 | 1,416 |
| Cash dividends | $1,131,000 | 1,581 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,549,500 | 1,346 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $24,822,000 | 1,471 |
| Total interest expense | $13,534,000 | 1,308 |
| Net interest income | $11,288,000 | 1,632 |
| Provision for loan and lease losses | $1,500,000 | 1,395 |
| Total noninterest income | $1,614,000 | 2,266 |
| Gross Fiduciary activities income | $57,000 | 1,347 |
| Service charges on deposit accounts | $654,000 | 2,086 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $903,000 | 2,143 |
| Total noninterest expense | $8,590,000 | 1,769 |
| Salaries and employee benefits | $3,942,000 | 1,678 |
| Premises and equipment expense | $949,000 | 2,197 |
| Additional noninterest expense | $3,699,000 | 1,685 |
| Pre-tax net operating income | $2,812,000 | 2,192 |
| Securities gains (losses) | $256,000 | 1,692 |
| Applicable income taxes | $622,000 | 3,330 |
| Income before extraordinary items | $2,446,000 | 1,856 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,446,000 | 1,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,019,000 | 1,541 |
| Cash dividends | $777,000 | 1,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,241,200 | 1,878 |
* 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.