Home > First National Bank-Employee Owned > Income and Expense
First National Bank-Employee Owned, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,308,000 | 4,245 |
| Total interest expense | $3,082,000 | 3,947 |
| Net interest income | $3,226,000 | 4,445 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $409,000 | 4,851 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $229,000 | 4,051 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $180,000 | 4,706 |
| Total noninterest expense | $3,227,000 | 3,883 |
| Salaries and employee benefits | $1,864,000 | 3,737 |
| Premises and equipment expense | $343,000 | 4,602 |
| Additional noninterest expense | $1,020,000 | 3,645 |
| Pre-tax net operating income | $408,000 | 6,135 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $408,000 | 5,797 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $408,000 | 5,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,200 |
| Cash dividends | $430,000 | 3,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $408,000 | 5,778 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,188,000 | 4,285 |
| Total interest expense | $2,062,000 | 3,942 |
| Net interest income | $2,126,000 | 4,515 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $269,000 | 4,918 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $152,000 | 4,063 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $117,000 | 4,803 |
| Total noninterest expense | $2,057,000 | 4,051 |
| Salaries and employee benefits | $1,202,000 | 3,865 |
| Premises and equipment expense | $230,000 | 4,617 |
| Additional noninterest expense | $625,000 | 3,901 |
| Pre-tax net operating income | $338,000 | 5,820 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $338,000 | 5,407 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $338,000 | 5,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,420 |
| Cash dividends | $330,000 | 3,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $338,000 | 5,397 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,078,000 | 4,289 |
| Total interest expense | $1,030,000 | 3,943 |
| Net interest income | $1,048,000 | 4,550 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $128,000 | 4,976 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $77,000 | 3,989 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $51,000 | 5,068 |
| Total noninterest expense | $1,032,000 | 4,044 |
| Salaries and employee benefits | $601,000 | 3,887 |
| Premises and equipment expense | $121,000 | 4,484 |
| Additional noninterest expense | $310,000 | 3,875 |
| Pre-tax net operating income | $144,000 | 6,122 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $144,000 | 5,727 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $144,000 | 5,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,116 |
| Cash dividends | $100,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $144,000 | 5,712 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,265,000 | 4,116 |
| Total interest expense | $3,926,000 | 3,641 |
| Net interest income | $4,339,000 | 4,438 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $577,000 | 4,825 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $343,000 | 3,855 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $234,000 | 4,811 |
| Total noninterest expense | $4,194,000 | 3,849 |
| Salaries and employee benefits | $2,494,000 | 3,614 |
| Premises and equipment expense | $465,000 | 4,467 |
| Additional noninterest expense | $1,235,000 | 3,844 |
| Pre-tax net operating income | $722,000 | 5,861 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $722,000 | 5,437 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $722,000 | 5,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,401 |
| Cash dividends | $610,000 | 3,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $722,000 | 5,429 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,166,000 | 4,106 |
| Total interest expense | $2,876,000 | 3,610 |
| Net interest income | $3,290,000 | 4,450 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $435,000 | 4,832 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $258,000 | 3,886 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $177,000 | 4,797 |
| Total noninterest expense | $3,107,000 | 3,878 |
| Salaries and employee benefits | $1,849,000 | 3,653 |
| Premises and equipment expense | $344,000 | 4,513 |
| Additional noninterest expense | $914,000 | 3,874 |
| Pre-tax net operating income | $618,000 | 5,790 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $618,000 | 5,287 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $618,000 | 5,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 2,570 |
| Cash dividends | $475,000 | 3,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $618,000 | 5,275 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,091,000 | 4,065 |
| Total interest expense | $1,838,000 | 3,611 |
| Net interest income | $2,253,000 | 4,371 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $283,000 | 4,875 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $168,000 | 3,899 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $115,000 | 4,830 |
| Total noninterest expense | $2,063,000 | 3,919 |
| Salaries and employee benefits | $1,217,000 | 3,706 |
| Premises and equipment expense | $233,000 | 4,466 |
| Additional noninterest expense | $613,000 | 3,844 |
| Pre-tax net operating income | $473,000 | 5,529 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $473,000 | 5,020 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $473,000 | 5,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 1,922 |
| Cash dividends | $285,000 | 3,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $473,000 | 5,007 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,997,000 | 4,086 |
| Total interest expense | $898,000 | 3,549 |
| Net interest income | $1,099,000 | 4,431 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $134,000 | 4,950 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $83,000 | 3,860 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,080 |
| Total noninterest expense | $1,035,000 | 3,919 |
| Salaries and employee benefits | $603,000 | 3,753 |
| Premises and equipment expense | $120,000 | 4,409 |
| Additional noninterest expense | $312,000 | 3,792 |
| Pre-tax net operating income | $198,000 | 5,860 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $198,000 | 5,374 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $198,000 | 5,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 1,070 |
| Cash dividends | $125,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $198,000 | 5,379 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,579,000 | 3,912 |
| Total interest expense | $2,821,000 | 3,504 |
| Net interest income | $4,758,000 | 4,104 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $651,000 | 4,584 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $361,000 | 3,781 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $290,000 | 4,412 |
| Total noninterest expense | $4,211,000 | 3,716 |
| Salaries and employee benefits | $2,552,000 | 3,420 |
| Premises and equipment expense | $434,000 | 4,619 |
| Additional noninterest expense | $1,225,000 | 3,815 |
| Pre-tax net operating income | $1,198,000 | 4,904 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $10,000 | 6,543 |
| Income before extraordinary items | $1,188,000 | 4,374 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,188,000 | 4,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,746 |
| Cash dividends | $979,000 | 2,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,188,000 | 4,336 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,574,000 | 3,918 |
| Total interest expense | $1,952,000 | 3,578 |
| Net interest income | $3,622,000 | 4,053 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $487,000 | 4,614 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $271,000 | 3,791 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $216,000 | 4,429 |
| Total noninterest expense | $3,161,000 | 3,684 |
| Salaries and employee benefits | $1,918,000 | 3,407 |
| Premises and equipment expense | $311,000 | 4,718 |
| Additional noninterest expense | $932,000 | 3,704 |
| Pre-tax net operating income | $948,000 | 4,906 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $7,000 | 6,626 |
| Income before extraordinary items | $941,000 | 4,343 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $941,000 | 4,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,463 |
| Cash dividends | $782,000 | 2,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $941,000 | 4,285 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,622,000 | 3,934 |
| Total interest expense | $1,177,000 | 3,668 |
| Net interest income | $2,445,000 | 3,998 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $307,000 | 4,732 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $179,000 | 3,755 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $128,000 | 4,660 |
| Total noninterest expense | $2,107,000 | 3,667 |
| Salaries and employee benefits | $1,283,000 | 3,376 |
| Premises and equipment expense | $208,000 | 4,682 |
| Additional noninterest expense | $616,000 | 3,717 |
| Pre-tax net operating income | $645,000 | 4,828 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,000 | 6,566 |
| Income before extraordinary items | $639,000 | 4,255 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $639,000 | 4,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $527,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $639,000 | 4,201 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,776,000 | 3,964 |
| Total interest expense | $537,000 | 3,828 |
| Net interest income | $1,239,000 | 3,959 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $152,000 | 4,678 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $92,000 | 3,634 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $1,064,000 | 3,666 |
| Salaries and employee benefits | $653,000 | 3,308 |
| Premises and equipment expense | $109,000 | 4,578 |
| Additional noninterest expense | $302,000 | 3,788 |
| Pre-tax net operating income | $327,000 | 4,776 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $324,000 | 4,156 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $324,000 | 4,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $289,000 | 1,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $324,000 | 4,112 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,812,000 | 3,890 |
| Total interest expense | $1,464,000 | 4,582 |
| Net interest income | $5,348,000 | 3,609 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $651,000 | 4,605 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $409,000 | 3,598 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $242,000 | 4,706 |
| Total noninterest expense | $4,212,000 | 3,588 |
| Salaries and employee benefits | $2,563,000 | 3,276 |
| Premises and equipment expense | $436,000 | 4,515 |
| Additional noninterest expense | $1,213,000 | 3,705 |
| Pre-tax net operating income | $1,787,000 | 3,804 |
| Securities gains (losses) | $-2,000 | 7,892 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,785,000 | 3,203 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,785,000 | 3,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,392 |
| Cash dividends | $1,352,000 | 1,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,787,000 | 3,142 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,034,000 | 3,916 |
| Total interest expense | $989,000 | 4,810 |
| Net interest income | $4,045,000 | 3,565 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $493,000 | 4,590 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $305,000 | 3,625 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $188,000 | 4,630 |
| Total noninterest expense | $3,155,000 | 3,555 |
| Salaries and employee benefits | $1,913,000 | 3,268 |
| Premises and equipment expense | $323,000 | 4,531 |
| Additional noninterest expense | $919,000 | 3,651 |
| Pre-tax net operating income | $1,383,000 | 3,786 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,381,000 | 3,183 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,381,000 | 3,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,955 |
| Cash dividends | $1,017,000 | 1,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,383,000 | 3,098 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,287,000 | 3,981 |
| Total interest expense | $597,000 | 5,114 |
| Net interest income | $2,690,000 | 3,561 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $358,000 | 4,369 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $207,000 | 3,553 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $151,000 | 4,291 |
| Total noninterest expense | $2,106,000 | 3,592 |
| Salaries and employee benefits | $1,272,000 | 3,285 |
| Premises and equipment expense | $215,000 | 4,547 |
| Additional noninterest expense | $619,000 | 3,652 |
| Pre-tax net operating income | $942,000 | 3,672 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $942,000 | 3,083 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $942,000 | 3,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,586 |
| Cash dividends | $707,000 | 1,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $942,000 | 3,005 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,644,000 | 3,966 |
| Total interest expense | $290,000 | 5,270 |
| Net interest income | $1,354,000 | 3,541 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $168,000 | 4,495 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $103,000 | 3,510 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $65,000 | 4,579 |
| Total noninterest expense | $1,066,000 | 3,579 |
| Salaries and employee benefits | $647,000 | 3,238 |
| Premises and equipment expense | $113,000 | 4,421 |
| Additional noninterest expense | $306,000 | 3,687 |
| Pre-tax net operating income | $456,000 | 3,757 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $456,000 | 3,162 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $456,000 | 3,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $315,000 | 1,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $456,000 | 3,044 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,552,000 | 4,022 |
| Total interest expense | $1,363,000 | 5,175 |
| Net interest income | $5,189,000 | 3,591 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $1,109,000 | 3,493 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $443,000 | 3,418 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $666,000 | 3,064 |
| Total noninterest expense | $4,197,000 | 3,565 |
| Salaries and employee benefits | $2,488,000 | 3,276 |
| Premises and equipment expense | $452,000 | 4,356 |
| Additional noninterest expense | $1,257,000 | 3,600 |
| Pre-tax net operating income | $2,101,000 | 3,279 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $30,000 | 6,608 |
| Income before extraordinary items | $2,071,000 | 2,784 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,071,000 | 2,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,615 |
| Cash dividends | $1,890,000 | 1,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,071,000 | 2,656 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,903,000 | 4,073 |
| Total interest expense | $1,043,000 | 5,247 |
| Net interest income | $3,860,000 | 3,637 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $914,000 | 3,330 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $332,000 | 3,416 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $582,000 | 2,871 |
| Total noninterest expense | $3,171,000 | 3,532 |
| Salaries and employee benefits | $1,876,000 | 3,269 |
| Premises and equipment expense | $337,000 | 4,372 |
| Additional noninterest expense | $958,000 | 3,522 |
| Pre-tax net operating income | $1,603,000 | 3,380 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $17,000 | 6,871 |
| Income before extraordinary items | $1,586,000 | 2,840 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,586,000 | 2,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,221 |
| Cash dividends | $1,410,000 | 1,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,586,000 | 2,697 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,216,000 | 4,176 |
| Total interest expense | $720,000 | 5,253 |
| Net interest income | $2,496,000 | 3,700 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $539,000 | 3,589 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $225,000 | 3,332 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $314,000 | 3,209 |
| Total noninterest expense | $2,096,000 | 3,547 |
| Salaries and employee benefits | $1,228,000 | 3,307 |
| Premises and equipment expense | $225,000 | 4,379 |
| Additional noninterest expense | $643,000 | 3,489 |
| Pre-tax net operating income | $939,000 | 3,660 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $13,000 | 6,844 |
| Income before extraordinary items | $926,000 | 3,138 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $926,000 | 3,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $930,000 | 1,390 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $926,000 | 2,973 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,628,000 | 4,173 |
| Total interest expense | $367,000 | 5,296 |
| Net interest income | $1,261,000 | 3,665 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $306,000 | 3,204 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $110,000 | 3,304 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $196,000 | 2,753 |
| Total noninterest expense | $1,045,000 | 3,535 |
| Salaries and employee benefits | $611,000 | 3,309 |
| Premises and equipment expense | $113,000 | 4,362 |
| Additional noninterest expense | $321,000 | 3,442 |
| Pre-tax net operating income | $522,000 | 3,397 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $522,000 | 2,858 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $522,000 | 2,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $490,000 | 1,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $522,000 | 2,713 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,433,000 | 3,860 |
| Total interest expense | $1,937,000 | 4,893 |
| Net interest income | $5,496,000 | 3,384 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $1,062,000 | 3,334 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $511,000 | 2,923 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $551,000 | 3,112 |
| Total noninterest expense | $4,286,000 | 3,362 |
| Salaries and employee benefits | $2,628,000 | 2,989 |
| Premises and equipment expense | $441,000 | 4,330 |
| Additional noninterest expense | $1,217,000 | 3,575 |
| Pre-tax net operating income | $2,272,000 | 3,101 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $2,272,000 | 2,536 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,272,000 | 2,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,470 |
| Cash dividends | $2,125,000 | 1,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,272,000 | 2,451 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,917,000 | 3,673 |
| Total interest expense | $3,544,000 | 4,168 |
| Net interest income | $5,373,000 | 3,242 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $974,000 | 3,407 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $477,000 | 2,950 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $497,000 | 3,144 |
| Total noninterest expense | $4,068,000 | 3,379 |
| Salaries and employee benefits | $2,534,000 | 2,914 |
| Premises and equipment expense | $427,000 | 4,393 |
| Additional noninterest expense | $1,107,000 | 3,743 |
| Pre-tax net operating income | $2,279,000 | 2,869 |
| Securities gains (losses) | $13,000 | 3,437 |
| Applicable income taxes | $833,000 | 2,354 |
| Income before extraordinary items | $1,459,000 | 3,291 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,459,000 | 3,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,333 |
| Cash dividends | $613,000 | 3,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,450,680 | 3,196 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,960,000 | 3,732 |
| Total interest expense | $4,463,000 | 3,646 |
| Net interest income | $4,497,000 | 3,793 |
| Provision for loan and lease losses | $44,000 | 6,751 |
| Total noninterest income | $820,000 | 3,608 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $454,000 | 2,943 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $366,000 | 3,548 |
| Total noninterest expense | $3,727,000 | 3,520 |
| Salaries and employee benefits | $2,232,000 | 3,143 |
| Premises and equipment expense | $442,000 | 4,180 |
| Additional noninterest expense | $1,053,000 | 3,832 |
| Pre-tax net operating income | $1,546,000 | 3,990 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $510,000 | 3,451 |
| Income before extraordinary items | $1,036,000 | 4,272 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,036,000 | 4,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 9,566 |
| Cash dividends | $462,000 | 3,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,036,000 | 4,284 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,870,000 | 3,970 |
| Total interest expense | $3,517,000 | 4,028 |
| Net interest income | $4,353,000 | 3,891 |
| Provision for loan and lease losses | $144,000 | 4,363 |
| Total noninterest income | $729,000 | 3,873 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $374,000 | 3,390 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $355,000 | 3,670 |
| Total noninterest expense | $3,593,000 | 3,636 |
| Salaries and employee benefits | $2,050,000 | 3,366 |
| Premises and equipment expense | $475,000 | 3,951 |
| Additional noninterest expense | $1,068,000 | 3,797 |
| Pre-tax net operating income | $1,345,000 | 4,418 |
| Securities gains (losses) | $-11,000 | 9,339 |
| Applicable income taxes | $420,000 | 4,032 |
| Income before extraordinary items | $914,000 | 4,699 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $914,000 | 4,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,502 |
| Cash dividends | $294,000 | 4,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $921,590 | 4,639 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,774,000 | 4,044 |
| Total interest expense | $3,400,000 | 4,251 |
| Net interest income | $4,374,000 | 3,830 |
| Provision for loan and lease losses | $144,000 | 4,268 |
| Total noninterest income | $1,019,000 | 3,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $410,000 | 3,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $609,000 | 2,623 |
| Total noninterest expense | $3,527,000 | 3,586 |
| Salaries and employee benefits | $2,061,000 | 3,241 |
| Premises and equipment expense | $453,000 | 3,985 |
| Additional noninterest expense | $1,013,000 | 3,913 |
| Pre-tax net operating income | $1,722,000 | 3,769 |
| Securities gains (losses) | $-3,000 | 9,968 |
| Applicable income taxes | $616,000 | 3,339 |
| Income before extraordinary items | $1,103,000 | 4,172 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,103,000 | 4,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,060 |
| Cash dividends | $545,000 | 3,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,104,920 | 4,082 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,424,000 | 4,283 |
| Total interest expense | $3,265,000 | 4,377 |
| Net interest income | $4,159,000 | 4,097 |
| Provision for loan and lease losses | $101,000 | 5,125 |
| Total noninterest income | $747,000 | 3,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $393,000 | 3,263 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $354,000 | 3,558 |
| Total noninterest expense | $3,234,000 | 3,862 |
| Salaries and employee benefits | $1,822,000 | 3,601 |
| Premises and equipment expense | $460,000 | 3,971 |
| Additional noninterest expense | $952,000 | 4,084 |
| Pre-tax net operating income | $1,571,000 | 4,310 |
| Securities gains (losses) | $-4,000 | 9,548 |
| Applicable income taxes | $570,000 | 3,832 |
| Income before extraordinary items | $997,000 | 4,729 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $997,000 | 4,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,656 |
| Cash dividends | $655,000 | 2,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $999,560 | 4,649 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,058,000 | 4,539 |
| Total interest expense | $2,942,000 | 4,859 |
| Net interest income | $4,116,000 | 4,217 |
| Provision for loan and lease losses | $63,000 | 6,028 |
| Total noninterest income | $716,000 | 4,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $350,000 | 3,696 |
| Total noninterest expense | $3,280,000 | 4,020 |
| Salaries and employee benefits | $1,977,000 | 3,368 |
| Premises and equipment expense | $447,000 | 4,134 |
| Additional noninterest expense | $856,000 | 4,934 |
| Pre-tax net operating income | $1,489,000 | 4,362 |
| Securities gains (losses) | $-37,000 | 10,927 |
| Applicable income taxes | $537,000 | 3,920 |
| Income before extraordinary items | $915,000 | 4,812 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $915,000 | 4,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,007 |
| Cash dividends | $635,000 | 2,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $938,680 | 4,680 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,890,000 | 4,631 |
| Total interest expense | $3,046,000 | 4,694 |
| Net interest income | $3,844,000 | 4,453 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $582,000 | 4,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,797 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $235,000 | 4,664 |
| Total noninterest expense | $3,207,000 | 4,056 |
| Salaries and employee benefits | $1,795,000 | 3,653 |
| Premises and equipment expense | $451,000 | 4,107 |
| Additional noninterest expense | $961,000 | 4,507 |
| Pre-tax net operating income | $1,183,000 | 5,291 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $426,000 | 4,727 |
| Income before extraordinary items | $753,000 | 5,699 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $753,000 | 5,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,672 |
| Cash dividends | $620,000 | 2,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $755,560 | 5,660 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,102,000 | 4,785 |
| Total interest expense | $2,341,000 | 4,911 |
| Net interest income | $3,761,000 | 4,628 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $496,000 | 5,322 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,827 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,300 |
| Total noninterest expense | $3,203,000 | 4,170 |
| Salaries and employee benefits | $1,776,000 | 3,665 |
| Premises and equipment expense | $422,000 | 4,385 |
| Additional noninterest expense | $1,005,000 | 4,690 |
| Pre-tax net operating income | $1,024,000 | 5,856 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $348,000 | 5,300 |
| Income before extraordinary items | $675,000 | 6,061 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $675,000 | 6,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 11,066 |
| Cash dividends | $460,000 | 3,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $675,660 | 6,135 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,168,000 | 4,832 |
| Total interest expense | $2,548,000 | 4,735 |
| Net interest income | $3,620,000 | 4,815 |
| Provision for loan and lease losses | $40,000 | 7,927 |
| Total noninterest income | $744,000 | 4,244 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $375,000 | 3,653 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $369,000 | 3,957 |
| Total noninterest expense | $3,075,000 | 4,411 |
| Salaries and employee benefits | $1,707,000 | 3,803 |
| Premises and equipment expense | $422,000 | 4,499 |
| Additional noninterest expense | $946,000 | 5,162 |
| Pre-tax net operating income | $1,250,000 | 5,033 |
| Securities gains (losses) | $-23,000 | 12,945 |
| Applicable income taxes | $412,000 | 4,906 |
| Income before extraordinary items | $815,000 | 5,490 |
| Extraordinary gains, net | $120,000 | 1,422 |
| Net income | $935,000 | 5,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $95,000 | 7,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $830,180 | 5,165 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,996,000 | 4,823 |
| Total interest expense | $3,249,000 | 4,843 |
| Net interest income | $3,747,000 | 4,735 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $808,000 | 3,950 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $401,000 | 3,478 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $407,000 | 3,665 |
| Total noninterest expense | $3,133,000 | 4,348 |
| Salaries and employee benefits | $1,773,000 | 3,608 |
| Premises and equipment expense | $424,000 | 4,577 |
| Additional noninterest expense | $936,000 | 5,343 |
| Pre-tax net operating income | $1,362,000 | 4,431 |
| Securities gains (losses) | $117,000 | 2,758 |
| Applicable income taxes | $486,000 | 4,088 |
| Income before extraordinary items | $993,000 | 4,536 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $993,000 | 4,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $1,040,000 | 1,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $914,610 | 4,548 |
* 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.