Home > First National Bank and Trust Company > Income and Expense
First National Bank and Trust Company, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,861,000 | 3,592 |
| Total interest expense | $647,000 | 2,942 |
| Net interest income | $1,214,000 | 3,860 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $177,000 | 4,368 |
| Gross Fiduciary activities income | $3,000 | 1,247 |
| Service charges on deposit accounts | $148,000 | 2,703 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $924,000 | 4,012 |
| Salaries and employee benefits | $407,000 | 4,672 |
| Premises and equipment expense | $158,000 | 3,442 |
| Additional noninterest expense | $359,000 | 3,217 |
| Pre-tax net operating income | $467,000 | 3,700 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $98,000 | 3,813 |
| Income before extraordinary items | $369,000 | 3,726 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $369,000 | 3,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,369 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $369,000 | 3,601 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,798,000 | 3,513 |
| Total interest expense | $3,274,000 | 2,651 |
| Net interest income | $4,524,000 | 3,982 |
| Provision for loan and lease losses | $101,000 | 5,298 |
| Total noninterest income | $702,000 | 4,545 |
| Gross Fiduciary activities income | $15,000 | 1,294 |
| Service charges on deposit accounts | $590,000 | 2,730 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $97,000 | 6,585 |
| Total noninterest expense | $3,522,000 | 4,094 |
| Salaries and employee benefits | $1,547,000 | 4,755 |
| Premises and equipment expense | $562,000 | 3,700 |
| Additional noninterest expense | $1,413,000 | 3,256 |
| Pre-tax net operating income | $1,603,000 | 3,958 |
| Securities gains (losses) | $8,000 | 3,717 |
| Applicable income taxes | $324,000 | 4,161 |
| Income before extraordinary items | $1,287,000 | 3,951 |
| Extraordinary gains, net | $-61,000 | 9,154 |
| Net income | $1,226,000 | 4,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 3,001 |
| Cash dividends | $1,175,000 | 2,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,280,600 | 3,795 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,818,000 | 3,573 |
| Total interest expense | $2,557,000 | 2,633 |
| Net interest income | $3,261,000 | 4,125 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $526,000 | 4,605 |
| Gross Fiduciary activities income | $13,000 | 1,248 |
| Service charges on deposit accounts | $442,000 | 2,735 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 6,675 |
| Total noninterest expense | $2,703,000 | 3,994 |
| Salaries and employee benefits | $1,229,000 | 4,541 |
| Premises and equipment expense | $421,000 | 3,709 |
| Additional noninterest expense | $1,053,000 | 3,242 |
| Pre-tax net operating income | $1,084,000 | 4,342 |
| Securities gains (losses) | $7,000 | 3,479 |
| Applicable income taxes | $211,000 | 4,573 |
| Income before extraordinary items | $880,000 | 4,353 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $880,000 | 4,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,438 |
| Cash dividends | $425,000 | 2,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $874,330 | 4,201 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,927,000 | 3,571 |
| Total interest expense | $1,767,000 | 2,626 |
| Net interest income | $2,160,000 | 4,154 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $335,000 | 4,702 |
| Gross Fiduciary activities income | $2,000 | 1,432 |
| Service charges on deposit accounts | $286,000 | 2,755 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $47,000 | 6,676 |
| Total noninterest expense | $1,829,000 | 3,942 |
| Salaries and employee benefits | $804,000 | 4,589 |
| Premises and equipment expense | $282,000 | 3,674 |
| Additional noninterest expense | $743,000 | 3,075 |
| Pre-tax net operating income | $666,000 | 4,559 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $116,000 | 4,917 |
| Income before extraordinary items | $550,000 | 4,545 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $550,000 | 4,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,655 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $550,000 | 4,326 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,009,000 | 3,510 |
| Total interest expense | $914,000 | 2,622 |
| Net interest income | $1,095,000 | 4,111 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $159,000 | 4,741 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $138,000 | 2,749 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 6,840 |
| Total noninterest expense | $891,000 | 4,021 |
| Salaries and employee benefits | $395,000 | 4,654 |
| Premises and equipment expense | $146,000 | 3,559 |
| Additional noninterest expense | $350,000 | 3,188 |
| Pre-tax net operating income | $363,000 | 4,298 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $66,000 | 4,673 |
| Income before extraordinary items | $298,000 | 4,261 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $298,000 | 4,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $297,180 | 4,079 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,905,000 | 3,332 |
| Total interest expense | $4,156,000 | 2,651 |
| Net interest income | $4,749,000 | 3,822 |
| Provision for loan and lease losses | $27,000 | 7,284 |
| Total noninterest income | $539,000 | 5,011 |
| Gross Fiduciary activities income | $18,000 | 1,314 |
| Service charges on deposit accounts | $441,000 | 3,290 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $80,000 | 6,874 |
| Total noninterest expense | $3,598,000 | 3,873 |
| Salaries and employee benefits | $1,614,000 | 4,431 |
| Premises and equipment expense | $510,000 | 3,890 |
| Additional noninterest expense | $1,474,000 | 2,991 |
| Pre-tax net operating income | $1,663,000 | 3,840 |
| Securities gains (losses) | $6,000 | 3,879 |
| Applicable income taxes | $353,000 | 4,137 |
| Income before extraordinary items | $1,316,000 | 3,855 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,316,000 | 3,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,528 |
| Cash dividends | $1,400,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,311,260 | 3,757 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,156,000 | 3,261 |
| Total interest expense | $5,339,000 | 2,978 |
| Net interest income | $4,817,000 | 3,544 |
| Provision for loan and lease losses | $74,000 | 6,121 |
| Total noninterest income | $538,000 | 4,863 |
| Gross Fiduciary activities income | $18,000 | 1,325 |
| Service charges on deposit accounts | $448,000 | 3,111 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $72,000 | 7,063 |
| Total noninterest expense | $3,669,000 | 3,692 |
| Salaries and employee benefits | $1,667,000 | 4,170 |
| Premises and equipment expense | $504,000 | 3,843 |
| Additional noninterest expense | $1,498,000 | 2,875 |
| Pre-tax net operating income | $1,612,000 | 3,684 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $426,000 | 3,615 |
| Income before extraordinary items | $1,203,000 | 3,801 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,203,000 | 3,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,969 |
| Cash dividends | $800,000 | 2,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,190,420 | 3,713 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,106,000 | 3,112 |
| Total interest expense | $5,472,000 | 3,052 |
| Net interest income | $5,634,000 | 3,127 |
| Provision for loan and lease losses | $135,000 | 4,606 |
| Total noninterest income | $544,000 | 4,667 |
| Gross Fiduciary activities income | $14,000 | 1,182 |
| Service charges on deposit accounts | $454,000 | 2,943 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $76,000 | 7,011 |
| Total noninterest expense | $3,214,000 | 3,990 |
| Salaries and employee benefits | $1,443,000 | 4,498 |
| Premises and equipment expense | $438,000 | 4,212 |
| Additional noninterest expense | $1,333,000 | 3,105 |
| Pre-tax net operating income | $2,829,000 | 2,505 |
| Securities gains (losses) | $6,000 | 1,308 |
| Applicable income taxes | $857,000 | 2,395 |
| Income before extraordinary items | $1,978,000 | 2,601 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,978,000 | 2,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,537 |
| Cash dividends | $600,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,973,800 | 2,600 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,062,000 | 3,200 |
| Total interest expense | $5,128,000 | 2,847 |
| Net interest income | $4,934,000 | 3,482 |
| Provision for loan and lease losses | $184,000 | 3,734 |
| Total noninterest income | $514,000 | 4,877 |
| Gross Fiduciary activities income | $17,000 | 1,220 |
| Service charges on deposit accounts | $382,000 | 3,337 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $115,000 | 6,295 |
| Total noninterest expense | $3,054,000 | 4,149 |
| Salaries and employee benefits | $1,320,000 | 4,815 |
| Premises and equipment expense | $419,000 | 4,366 |
| Additional noninterest expense | $1,315,000 | 3,189 |
| Pre-tax net operating income | $2,210,000 | 3,084 |
| Securities gains (losses) | $15,000 | 1,536 |
| Applicable income taxes | $615,000 | 3,167 |
| Income before extraordinary items | $1,610,000 | 3,071 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,610,000 | 3,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,357 |
| Cash dividends | $1,000,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,599,200 | 3,054 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,435,000 | 3,403 |
| Total interest expense | $4,511,000 | 3,302 |
| Net interest income | $4,924,000 | 3,449 |
| Provision for loan and lease losses | $312,000 | 2,513 |
| Total noninterest income | $479,000 | 5,068 |
| Gross Fiduciary activities income | $18,000 | 1,226 |
| Service charges on deposit accounts | $394,000 | 3,174 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $67,000 | 7,572 |
| Total noninterest expense | $2,775,000 | 4,413 |
| Salaries and employee benefits | $1,281,000 | 4,827 |
| Premises and equipment expense | $316,000 | 5,222 |
| Additional noninterest expense | $1,178,000 | 3,422 |
| Pre-tax net operating income | $2,316,000 | 2,974 |
| Securities gains (losses) | $16,000 | 2,616 |
| Applicable income taxes | $735,000 | 2,920 |
| Income before extraordinary items | $1,597,000 | 3,093 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,597,000 | 3,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,326 |
| Cash dividends | $1,900,000 | 1,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,586,120 | 3,021 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,085,000 | 3,554 |
| Total interest expense | $4,164,000 | 3,528 |
| Net interest income | $4,921,000 | 3,542 |
| Provision for loan and lease losses | $173,000 | 3,830 |
| Total noninterest income | $461,000 | 5,254 |
| Gross Fiduciary activities income | $15,000 | 1,305 |
| Service charges on deposit accounts | $386,000 | 3,322 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $60,000 | 8,023 |
| Total noninterest expense | $2,588,000 | 4,653 |
| Salaries and employee benefits | $1,178,000 | 5,181 |
| Premises and equipment expense | $278,000 | 5,688 |
| Additional noninterest expense | $1,132,000 | 3,519 |
| Pre-tax net operating income | $2,621,000 | 2,802 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $841,000 | 2,819 |
| Income before extraordinary items | $1,780,000 | 2,855 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,780,000 | 2,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,092 |
| Cash dividends | $1,125,000 | 1,978 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,780,000 | 2,804 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,802,000 | 3,684 |
| Total interest expense | $4,296,000 | 3,468 |
| Net interest income | $4,506,000 | 3,894 |
| Provision for loan and lease losses | $69,000 | 5,880 |
| Total noninterest income | $492,000 | 5,224 |
| Gross Fiduciary activities income | $32,000 | 1,296 |
| Service charges on deposit accounts | $386,000 | 3,442 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $74,000 | 7,943 |
| Total noninterest expense | $2,623,000 | 4,820 |
| Salaries and employee benefits | $1,207,000 | 5,174 |
| Premises and equipment expense | $312,000 | 5,425 |
| Additional noninterest expense | $1,104,000 | 4,047 |
| Pre-tax net operating income | $2,306,000 | 3,030 |
| Securities gains (losses) | $19,000 | 2,034 |
| Applicable income taxes | $737,000 | 3,064 |
| Income before extraordinary items | $1,588,000 | 3,020 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,588,000 | 3,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,057 |
| Cash dividends | $1,000,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,575,080 | 3,012 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,570,000 | 3,773 |
| Total interest expense | $4,068,000 | 3,623 |
| Net interest income | $4,502,000 | 3,899 |
| Provision for loan and lease losses | $55,000 | 6,005 |
| Total noninterest income | $436,000 | 5,667 |
| Gross Fiduciary activities income | $24,000 | 1,388 |
| Service charges on deposit accounts | $355,000 | 3,724 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $57,000 | 8,889 |
| Total noninterest expense | $2,693,000 | 4,686 |
| Salaries and employee benefits | $1,200,000 | 5,217 |
| Premises and equipment expense | $280,000 | 5,928 |
| Additional noninterest expense | $1,213,000 | 3,701 |
| Pre-tax net operating income | $2,190,000 | 3,227 |
| Securities gains (losses) | $-23,000 | 10,647 |
| Applicable income taxes | $656,000 | 3,413 |
| Income before extraordinary items | $1,511,000 | 3,230 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,511,000 | 3,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,528 |
| Cash dividends | $2,525,000 | 1,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,527,100 | 3,181 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,500,000 | 3,965 |
| Total interest expense | $2,852,000 | 4,147 |
| Net interest income | $4,648,000 | 3,808 |
| Provision for loan and lease losses | $167,000 | 3,389 |
| Total noninterest income | $418,000 | 5,975 |
| Gross Fiduciary activities income | $11,000 | 1,469 |
| Service charges on deposit accounts | $327,000 | 4,069 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $80,000 | 8,247 |
| Total noninterest expense | $2,778,000 | 4,719 |
| Salaries and employee benefits | $1,197,000 | 5,252 |
| Premises and equipment expense | $280,000 | 6,002 |
| Additional noninterest expense | $1,301,000 | 3,766 |
| Pre-tax net operating income | $2,121,000 | 3,265 |
| Securities gains (losses) | $-19,000 | 10,292 |
| Applicable income taxes | $607,000 | 3,484 |
| Income before extraordinary items | $1,495,000 | 3,188 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,495,000 | 3,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,055 |
| Cash dividends | $1,000,000 | 1,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,508,490 | 3,178 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,567,000 | 4,021 |
| Total interest expense | $2,798,000 | 4,375 |
| Net interest income | $4,769,000 | 3,729 |
| Provision for loan and lease losses | $358,000 | 2,668 |
| Total noninterest income | $526,000 | 5,412 |
| Gross Fiduciary activities income | $23,000 | 1,431 |
| Service charges on deposit accounts | $328,000 | 4,101 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $175,000 | 6,069 |
| Total noninterest expense | $2,767,000 | 4,828 |
| Salaries and employee benefits | $1,202,000 | 5,230 |
| Premises and equipment expense | $441,000 | 4,332 |
| Additional noninterest expense | $1,124,000 | 4,449 |
| Pre-tax net operating income | $2,170,000 | 3,057 |
| Securities gains (losses) | $-56,000 | 13,104 |
| Applicable income taxes | $621,000 | 3,491 |
| Income before extraordinary items | $1,493,000 | 3,265 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,493,000 | 3,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 2,144 |
| Cash dividends | $800,000 | 2,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,532,760 | 3,005 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,208,000 | 4,206 |
| Total interest expense | $3,641,000 | 4,408 |
| Net interest income | $4,567,000 | 3,949 |
| Provision for loan and lease losses | $723,000 | 2,312 |
| Total noninterest income | $439,000 | 6,174 |
| Gross Fiduciary activities income | $17,000 | 1,497 |
| Service charges on deposit accounts | $329,000 | 4,135 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $93,000 | 8,327 |
| Total noninterest expense | $2,932,000 | 4,640 |
| Salaries and employee benefits | $1,510,000 | 4,211 |
| Premises and equipment expense | $463,000 | 4,249 |
| Additional noninterest expense | $959,000 | 5,228 |
| Pre-tax net operating income | $1,351,000 | 4,472 |
| Securities gains (losses) | $59,000 | 3,858 |
| Applicable income taxes | $340,000 | 5,466 |
| Income before extraordinary items | $1,070,000 | 4,239 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,070,000 | 4,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $688,000 | 1,999 |
| Cash dividends | $2,150,000 | 793 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,025,160 | 4,083 |
* 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.