Home > First National Bank of Colorado > Income and Expense
First National Bank of Colorado, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $43,863,000 | 961 |
| Total interest expense | $15,370,000 | 1,301 |
| Net interest income | $28,493,000 | 776 |
| Provision for loan and lease losses | $2,557,000 | 687 |
| Total noninterest income | $6,551,000 | 878 |
| Gross Fiduciary activities income | $607,000 | 547 |
| Service charges on deposit accounts | $2,212,000 | 807 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,732,000 | 865 |
| Total noninterest expense | $28,437,000 | 665 |
| Salaries and employee benefits | $13,090,000 | 747 |
| Premises and equipment expense | $4,757,000 | 555 |
| Additional noninterest expense | $10,590,000 | 551 |
| Pre-tax net operating income | $4,050,000 | 1,961 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,596,000 | 1,350 |
| Income before extraordinary items | $2,454,000 | 2,412 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,454,000 | 2,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,582,000 | 399 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,454,000 | 2,401 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $34,027,000 | 926 |
| Total interest expense | $11,856,000 | 1,267 |
| Net interest income | $22,171,000 | 748 |
| Provision for loan and lease losses | $809,000 | 1,082 |
| Total noninterest income | $4,619,000 | 922 |
| Gross Fiduciary activities income | $478,000 | 536 |
| Service charges on deposit accounts | $1,626,000 | 804 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,515,000 | 936 |
| Total noninterest expense | $21,567,000 | 644 |
| Salaries and employee benefits | $10,163,000 | 716 |
| Premises and equipment expense | $3,491,000 | 559 |
| Additional noninterest expense | $7,913,000 | 541 |
| Pre-tax net operating income | $4,414,000 | 1,530 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,708,000 | 1,098 |
| Income before extraordinary items | $2,706,000 | 1,863 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,706,000 | 1,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,932,000 | 415 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,706,000 | 1,852 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $22,899,000 | 931 |
| Total interest expense | $7,880,000 | 1,274 |
| Net interest income | $15,019,000 | 750 |
| Provision for loan and lease losses | $474,000 | 1,078 |
| Total noninterest income | $2,882,000 | 992 |
| Gross Fiduciary activities income | $305,000 | 553 |
| Service charges on deposit accounts | $1,054,000 | 842 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,523,000 | 1,032 |
| Total noninterest expense | $14,526,000 | 641 |
| Salaries and employee benefits | $6,733,000 | 738 |
| Premises and equipment expense | $2,287,000 | 589 |
| Additional noninterest expense | $5,506,000 | 534 |
| Pre-tax net operating income | $2,901,000 | 1,594 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,113,000 | 1,178 |
| Income before extraordinary items | $1,788,000 | 1,927 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,788,000 | 1,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,858,000 | 291 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,788,000 | 1,907 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,700,000 | 900 |
| Total interest expense | $3,902,000 | 1,270 |
| Net interest income | $7,798,000 | 721 |
| Provision for loan and lease losses | $491,000 | 537 |
| Total noninterest income | $1,838,000 | 809 |
| Gross Fiduciary activities income | $133,000 | 596 |
| Service charges on deposit accounts | $520,000 | 821 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,185,000 | 717 |
| Total noninterest expense | $7,484,000 | 630 |
| Salaries and employee benefits | $3,535,000 | 707 |
| Premises and equipment expense | $1,111,000 | 607 |
| Additional noninterest expense | $2,838,000 | 505 |
| Pre-tax net operating income | $1,661,000 | 1,404 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $636,000 | 1,058 |
| Income before extraordinary items | $1,025,000 | 1,679 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,025,000 | 1,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,107,000 | 223 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,025,000 | 1,669 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $45,957,000 | 835 |
| Total interest expense | $14,710,000 | 1,137 |
| Net interest income | $31,247,000 | 704 |
| Provision for loan and lease losses | $4,939,000 | 244 |
| Total noninterest income | $7,377,000 | 796 |
| Gross Fiduciary activities income | $509,000 | 584 |
| Service charges on deposit accounts | $2,097,000 | 841 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,771,000 | 698 |
| Total noninterest expense | $27,973,000 | 633 |
| Salaries and employee benefits | $14,180,000 | 655 |
| Premises and equipment expense | $4,432,000 | 568 |
| Additional noninterest expense | $9,361,000 | 598 |
| Pre-tax net operating income | $5,712,000 | 1,688 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,157,000 | 1,256 |
| Income before extraordinary items | $3,555,000 | 1,990 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,555,000 | 1,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,139,000 | 216 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,555,000 | 1,976 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $34,066,000 | 842 |
| Total interest expense | $10,712,000 | 1,148 |
| Net interest income | $23,354,000 | 723 |
| Provision for loan and lease losses | $4,081,000 | 217 |
| Total noninterest income | $5,703,000 | 788 |
| Gross Fiduciary activities income | $378,000 | 583 |
| Service charges on deposit accounts | $1,576,000 | 838 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,749,000 | 684 |
| Total noninterest expense | $21,245,000 | 643 |
| Salaries and employee benefits | $10,843,000 | 661 |
| Premises and equipment expense | $3,353,000 | 577 |
| Additional noninterest expense | $7,049,000 | 603 |
| Pre-tax net operating income | $3,731,000 | 1,953 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,423,000 | 1,446 |
| Income before extraordinary items | $2,308,000 | 2,298 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,308,000 | 2,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,167,000 | 196 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,308,000 | 2,284 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $22,551,000 | 832 |
| Total interest expense | $7,093,000 | 1,092 |
| Net interest income | $15,458,000 | 730 |
| Provision for loan and lease losses | $3,374,000 | 190 |
| Total noninterest income | $3,867,000 | 776 |
| Gross Fiduciary activities income | $252,000 | 589 |
| Service charges on deposit accounts | $1,022,000 | 846 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,593,000 | 660 |
| Total noninterest expense | $14,026,000 | 657 |
| Salaries and employee benefits | $7,319,000 | 663 |
| Premises and equipment expense | $2,288,000 | 571 |
| Additional noninterest expense | $4,419,000 | 639 |
| Pre-tax net operating income | $1,925,000 | 2,385 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $729,000 | 1,795 |
| Income before extraordinary items | $1,196,000 | 2,797 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,196,000 | 2,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,387,000 | 190 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,196,000 | 2,784 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $11,086,000 | 823 |
| Total interest expense | $3,469,000 | 1,047 |
| Net interest income | $7,617,000 | 736 |
| Provision for loan and lease losses | $1,782,000 | 180 |
| Total noninterest income | $2,477,000 | 616 |
| Gross Fiduciary activities income | $132,000 | 587 |
| Service charges on deposit accounts | $482,000 | 874 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,863,000 | 517 |
| Total noninterest expense | $7,029,000 | 652 |
| Salaries and employee benefits | $3,730,000 | 653 |
| Premises and equipment expense | $1,177,000 | 540 |
| Additional noninterest expense | $2,122,000 | 655 |
| Pre-tax net operating income | $1,283,000 | 1,864 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $479,000 | 1,448 |
| Income before extraordinary items | $804,000 | 2,174 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $804,000 | 2,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,141,000 | 201 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $804,000 | 2,151 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $42,372,000 | 758 |
| Total interest expense | $10,073,000 | 1,120 |
| Net interest income | $32,299,000 | 652 |
| Provision for loan and lease losses | $6,218,000 | 200 |
| Total noninterest income | $4,696,000 | 1,137 |
| Gross Fiduciary activities income | $446,000 | 614 |
| Service charges on deposit accounts | $2,178,000 | 799 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,072,000 | 1,325 |
| Total noninterest expense | $28,133,000 | 620 |
| Salaries and employee benefits | $14,017,000 | 645 |
| Premises and equipment expense | $4,670,000 | 525 |
| Additional noninterest expense | $9,446,000 | 587 |
| Pre-tax net operating income | $2,644,000 | 3,054 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,036,000 | 2,219 |
| Income before extraordinary items | $1,608,000 | 3,618 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,608,000 | 3,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,816,000 | 179 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,608,000 | 3,597 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $30,550,000 | 768 |
| Total interest expense | $7,058,000 | 1,128 |
| Net interest income | $23,492,000 | 660 |
| Provision for loan and lease losses | $5,341,000 | 177 |
| Total noninterest income | $4,802,000 | 886 |
| Gross Fiduciary activities income | $338,000 | 602 |
| Service charges on deposit accounts | $1,668,000 | 776 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,796,000 | 862 |
| Total noninterest expense | $20,905,000 | 626 |
| Salaries and employee benefits | $10,646,000 | 636 |
| Premises and equipment expense | $3,472,000 | 529 |
| Additional noninterest expense | $6,787,000 | 605 |
| Pre-tax net operating income | $2,048,000 | 2,998 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $800,000 | 2,201 |
| Income before extraordinary items | $1,248,000 | 3,565 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,248,000 | 3,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,336,000 | 167 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,248,000 | 3,533 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $19,969,000 | 763 |
| Total interest expense | $4,436,000 | 1,121 |
| Net interest income | $15,533,000 | 658 |
| Provision for loan and lease losses | $3,699,000 | 164 |
| Total noninterest income | $3,111,000 | 896 |
| Gross Fiduciary activities income | $191,000 | 643 |
| Service charges on deposit accounts | $1,104,000 | 761 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,816,000 | 867 |
| Total noninterest expense | $13,752,000 | 627 |
| Salaries and employee benefits | $7,033,000 | 631 |
| Premises and equipment expense | $2,286,000 | 528 |
| Additional noninterest expense | $4,433,000 | 614 |
| Pre-tax net operating income | $1,193,000 | 3,264 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $469,000 | 2,354 |
| Income before extraordinary items | $724,000 | 3,902 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $724,000 | 3,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,214,000 | 143 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $724,000 | 3,844 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,654,000 | 776 |
| Total interest expense | $1,959,000 | 1,203 |
| Net interest income | $7,695,000 | 666 |
| Provision for loan and lease losses | $1,822,000 | 158 |
| Total noninterest income | $1,626,000 | 849 |
| Gross Fiduciary activities income | $138,000 | 572 |
| Service charges on deposit accounts | $529,000 | 771 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $959,000 | 811 |
| Total noninterest expense | $6,932,000 | 618 |
| Salaries and employee benefits | $3,502,000 | 633 |
| Premises and equipment expense | $1,116,000 | 536 |
| Additional noninterest expense | $2,314,000 | 585 |
| Pre-tax net operating income | $567,000 | 3,359 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $225,000 | 2,413 |
| Income before extraordinary items | $342,000 | 4,012 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $342,000 | 4,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,839,000 | 122 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $342,000 | 3,966 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $40,860,000 | 680 |
| Total interest expense | $8,226,000 | 983 |
| Net interest income | $32,634,000 | 612 |
| Provision for loan and lease losses | $3,924,000 | 307 |
| Total noninterest income | $3,640,000 | 1,381 |
| Gross Fiduciary activities income | $487,000 | 584 |
| Service charges on deposit accounts | $2,322,000 | 756 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $831,000 | 2,436 |
| Total noninterest expense | $27,971,000 | 604 |
| Salaries and employee benefits | $13,388,000 | 638 |
| Premises and equipment expense | $4,799,000 | 488 |
| Additional noninterest expense | $9,784,000 | 557 |
| Pre-tax net operating income | $4,379,000 | 1,894 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,387,000 | 1,704 |
| Income before extraordinary items | $2,992,000 | 2,084 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,992,000 | 2,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,479,000 | 229 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,992,000 | 2,042 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $31,510,000 | 658 |
| Total interest expense | $6,380,000 | 937 |
| Net interest income | $25,130,000 | 594 |
| Provision for loan and lease losses | $6,337,000 | 176 |
| Total noninterest income | $5,935,000 | 738 |
| Gross Fiduciary activities income | $367,000 | 582 |
| Service charges on deposit accounts | $1,764,000 | 749 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,804,000 | 680 |
| Total noninterest expense | $20,788,000 | 612 |
| Salaries and employee benefits | $9,684,000 | 651 |
| Premises and equipment expense | $3,625,000 | 489 |
| Additional noninterest expense | $7,479,000 | 547 |
| Pre-tax net operating income | $3,940,000 | 1,636 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,487,000 | 1,290 |
| Income before extraordinary items | $2,453,000 | 1,932 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,453,000 | 1,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,550,000 | 161 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,453,000 | 1,882 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $21,380,000 | 645 |
| Total interest expense | $4,573,000 | 846 |
| Net interest income | $16,807,000 | 590 |
| Provision for loan and lease losses | $4,357,000 | 176 |
| Total noninterest income | $3,932,000 | 738 |
| Gross Fiduciary activities income | $241,000 | 582 |
| Service charges on deposit accounts | $1,165,000 | 748 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,526,000 | 685 |
| Total noninterest expense | $13,780,000 | 613 |
| Salaries and employee benefits | $6,179,000 | 685 |
| Premises and equipment expense | $2,505,000 | 470 |
| Additional noninterest expense | $5,096,000 | 529 |
| Pre-tax net operating income | $2,602,000 | 1,620 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $980,000 | 1,301 |
| Income before extraordinary items | $1,622,000 | 1,933 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,622,000 | 1,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,317,000 | 166 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,622,000 | 1,879 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $10,638,000 | 655 |
| Total interest expense | $2,507,000 | 807 |
| Net interest income | $8,131,000 | 605 |
| Provision for loan and lease losses | $2,254,000 | 173 |
| Total noninterest income | $1,662,000 | 831 |
| Gross Fiduciary activities income | $120,000 | 593 |
| Service charges on deposit accounts | $583,000 | 729 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $959,000 | 808 |
| Total noninterest expense | $6,754,000 | 629 |
| Salaries and employee benefits | $3,076,000 | 699 |
| Premises and equipment expense | $1,248,000 | 483 |
| Additional noninterest expense | $2,430,000 | 547 |
| Pre-tax net operating income | $785,000 | 2,456 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $295,000 | 1,954 |
| Income before extraordinary items | $490,000 | 2,989 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $490,000 | 2,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,192,000 | 165 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $490,000 | 2,884 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $46,369,000 | 601 |
| Total interest expense | $13,181,000 | 671 |
| Net interest income | $33,188,000 | 575 |
| Provision for loan and lease losses | $7,790,000 | 236 |
| Total noninterest income | $5,712,000 | 1,022 |
| Gross Fiduciary activities income | $430,000 | 617 |
| Service charges on deposit accounts | $2,137,000 | 805 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,145,000 | 1,050 |
| Total noninterest expense | $28,472,000 | 598 |
| Salaries and employee benefits | $13,004,000 | 654 |
| Premises and equipment expense | $5,056,000 | 465 |
| Additional noninterest expense | $10,412,000 | 543 |
| Pre-tax net operating income | $2,638,000 | 2,768 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,037,000 | 2,125 |
| Income before extraordinary items | $1,601,000 | 3,409 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,601,000 | 3,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,860,000 | 226 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,601,000 | 3,235 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $35,479,000 | 606 |
| Total interest expense | $10,385,000 | 674 |
| Net interest income | $25,094,000 | 583 |
| Provision for loan and lease losses | $6,456,000 | 230 |
| Total noninterest income | $4,865,000 | 950 |
| Gross Fiduciary activities income | $323,000 | 614 |
| Service charges on deposit accounts | $1,536,000 | 845 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,006,000 | 924 |
| Total noninterest expense | $20,895,000 | 619 |
| Salaries and employee benefits | $9,649,000 | 681 |
| Premises and equipment expense | $3,809,000 | 472 |
| Additional noninterest expense | $7,437,000 | 562 |
| Pre-tax net operating income | $2,608,000 | 2,297 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,012,000 | 1,842 |
| Income before extraordinary items | $1,596,000 | 2,830 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,596,000 | 2,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,922,000 | 211 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,596,000 | 2,685 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $23,336,000 | 616 |
| Total interest expense | $7,258,000 | 662 |
| Net interest income | $16,078,000 | 599 |
| Provision for loan and lease losses | $4,692,000 | 221 |
| Total noninterest income | $2,639,000 | 1,107 |
| Gross Fiduciary activities income | $218,000 | 612 |
| Service charges on deposit accounts | $986,000 | 854 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,435,000 | 1,172 |
| Total noninterest expense | $13,502,000 | 635 |
| Salaries and employee benefits | $6,376,000 | 687 |
| Premises and equipment expense | $2,573,000 | 466 |
| Additional noninterest expense | $4,553,000 | 609 |
| Pre-tax net operating income | $523,000 | 5,206 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $225,000 | 3,738 |
| Income before extraordinary items | $298,000 | 6,111 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $298,000 | 6,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,976,000 | 216 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $298,000 | 5,913 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $11,309,000 | 648 |
| Total interest expense | $3,609,000 | 673 |
| Net interest income | $7,700,000 | 629 |
| Provision for loan and lease losses | $2,055,000 | 240 |
| Total noninterest income | $805,000 | 1,572 |
| Gross Fiduciary activities income | $83,000 | 695 |
| Service charges on deposit accounts | $487,000 | 848 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $235,000 | 2,452 |
| Total noninterest expense | $6,153,000 | 682 |
| Salaries and employee benefits | $3,164,000 | 687 |
| Premises and equipment expense | $1,262,000 | 477 |
| Additional noninterest expense | $1,727,000 | 737 |
| Pre-tax net operating income | $297,000 | 4,819 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $118,000 | 3,661 |
| Income before extraordinary items | $179,000 | 5,596 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $179,000 | 5,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,962,000 | 215 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $179,000 | 5,399 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $46,348,000 | 660 |
| Total interest expense | $14,841,000 | 755 |
| Net interest income | $31,507,000 | 608 |
| Provision for loan and lease losses | $9,567,000 | 251 |
| Total noninterest income | $2,222,000 | 1,954 |
| Gross Fiduciary activities income | $367,000 | 662 |
| Service charges on deposit accounts | $2,165,000 | 746 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-310,000 | 9,345 |
| Total noninterest expense | $23,878,000 | 683 |
| Salaries and employee benefits | $12,166,000 | 675 |
| Premises and equipment expense | $4,932,000 | 473 |
| Additional noninterest expense | $6,780,000 | 751 |
| Pre-tax net operating income | $284,000 | 7,604 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $121,000 | 5,776 |
| Income before extraordinary items | $163,000 | 8,024 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $163,000 | 8,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,263,000 | 256 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $163,000 | 7,925 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $47,809,000 | 727 |
| Total interest expense | $22,381,000 | 741 |
| Net interest income | $25,428,000 | 691 |
| Provision for loan and lease losses | $9,055,000 | 246 |
| Total noninterest income | $3,544,000 | 1,293 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,844,000 | 800 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,700,000 | 1,394 |
| Total noninterest expense | $18,384,000 | 823 |
| Salaries and employee benefits | $9,479,000 | 775 |
| Premises and equipment expense | $4,375,000 | 510 |
| Additional noninterest expense | $4,530,000 | 1,055 |
| Pre-tax net operating income | $1,533,000 | 3,798 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $715,000 | 2,627 |
| Income before extraordinary items | $818,000 | 4,816 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $818,000 | 4,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,767,000 | 242 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $818,000 | 4,696 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $40,345,000 | 881 |
| Total interest expense | $18,957,000 | 945 |
| Net interest income | $21,388,000 | 819 |
| Provision for loan and lease losses | $6,550,000 | 262 |
| Total noninterest income | $3,087,000 | 1,324 |
| Gross Fiduciary activities income | $22,000 | 1,146 |
| Service charges on deposit accounts | $1,455,000 | 923 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,610,000 | 1,311 |
| Total noninterest expense | $16,642,000 | 853 |
| Salaries and employee benefits | $7,219,000 | 971 |
| Premises and equipment expense | $3,159,000 | 667 |
| Additional noninterest expense | $6,264,000 | 794 |
| Pre-tax net operating income | $1,283,000 | 4,535 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $523,000 | 3,388 |
| Income before extraordinary items | $760,000 | 5,203 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $760,000 | 5,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,766,000 | 232 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $760,000 | 5,193 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $29,320,000 | 1,121 |
| Total interest expense | $10,924,000 | 1,373 |
| Net interest income | $18,396,000 | 961 |
| Provision for loan and lease losses | $7,022,000 | 250 |
| Total noninterest income | $2,381,000 | 1,628 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,296,000 | 1,028 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,085,000 | 1,762 |
| Total noninterest expense | $12,662,000 | 1,098 |
| Salaries and employee benefits | $6,162,000 | 1,121 |
| Premises and equipment expense | $2,251,000 | 890 |
| Additional noninterest expense | $4,249,000 | 1,103 |
| Pre-tax net operating income | $1,093,000 | 5,045 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $495,000 | 3,668 |
| Income before extraordinary items | $598,000 | 5,910 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $598,000 | 5,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,688,000 | 231 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $598,000 | 5,884 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $24,660,000 | 1,311 |
| Total interest expense | $8,966,000 | 1,713 |
| Net interest income | $15,694,000 | 1,076 |
| Provision for loan and lease losses | $6,533,000 | 268 |
| Total noninterest income | $2,401,000 | 1,589 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,197,000 | 1,040 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,204,000 | 1,623 |
| Total noninterest expense | $9,746,000 | 1,347 |
| Salaries and employee benefits | $4,451,000 | 1,467 |
| Premises and equipment expense | $848,000 | 2,298 |
| Additional noninterest expense | $4,447,000 | 1,038 |
| Pre-tax net operating income | $1,816,000 | 3,604 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $933,000 | 2,431 |
| Income before extraordinary items | $885,000 | 4,891 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $885,000 | 4,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,547,000 | 262 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $883,720 | 4,799 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,954,000 | 1,650 |
| Total interest expense | $7,607,000 | 2,021 |
| Net interest income | $12,347,000 | 1,400 |
| Provision for loan and lease losses | $5,201,000 | 316 |
| Total noninterest income | $1,430,000 | 2,287 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $826,000 | 1,571 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $604,000 | 2,458 |
| Total noninterest expense | $7,424,000 | 1,753 |
| Salaries and employee benefits | $3,408,000 | 1,931 |
| Premises and equipment expense | $1,266,000 | 1,535 |
| Additional noninterest expense | $2,750,000 | 1,561 |
| Pre-tax net operating income | $1,152,000 | 5,377 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $597,000 | 3,687 |
| Income before extraordinary items | $555,000 | 6,639 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $555,000 | 6,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,248,000 | 306 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $555,000 | 6,581 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,528,000 | 5,501 |
| Total interest expense | $2,163,000 | 6,101 |
| Net interest income | $3,365,000 | 4,993 |
| Provision for loan and lease losses | $884,000 | 1,119 |
| Total noninterest income | $661,000 | 4,271 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $329,000 | 3,952 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $332,000 | 3,825 |
| Total noninterest expense | $2,995,000 | 4,318 |
| Salaries and employee benefits | $1,420,000 | 4,541 |
| Premises and equipment expense | $514,000 | 3,690 |
| Additional noninterest expense | $1,061,000 | 4,192 |
| Pre-tax net operating income | $147,000 | 10,099 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $119,000 | 8,411 |
| Income before extraordinary items | $27,000 | 10,691 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $27,000 | 10,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $609,000 | 1,234 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $27,640 | 10,641 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,156,000 | 3,568 |
| Total interest expense | $3,172,000 | 4,520 |
| Net interest income | $5,984,000 | 2,980 |
| Provision for loan and lease losses | $126,000 | 3,989 |
| Total noninterest income | $2,835,000 | 1,409 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $726,000 | 1,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,109,000 | 1,100 |
| Total noninterest expense | $6,857,000 | 2,018 |
| Salaries and employee benefits | $3,737,000 | 1,774 |
| Premises and equipment expense | $1,009,000 | 2,002 |
| Additional noninterest expense | $2,111,000 | 2,301 |
| Pre-tax net operating income | $1,836,000 | 3,777 |
| Securities gains (losses) | $-19,000 | 10,530 |
| Applicable income taxes | $626,000 | 3,564 |
| Income before extraordinary items | $1,191,000 | 3,986 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,191,000 | 3,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-251,000 | 11,884 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,203,540 | 3,932 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,760,000 | 4,363 |
| Total interest expense | $1,919,000 | 5,796 |
| Net interest income | $4,841,000 | 3,670 |
| Provision for loan and lease losses | $13,000 | 8,228 |
| Total noninterest income | $41,758,000 | 248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $712,000 | 1,889 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,046,000 | 177 |
| Total noninterest expense | $44,363,000 | 433 |
| Salaries and employee benefits | $6,174,000 | 1,098 |
| Premises and equipment expense | $1,540,000 | 1,356 |
| Additional noninterest expense | $36,649,000 | 289 |
| Pre-tax net operating income | $2,223,000 | 3,146 |
| Securities gains (losses) | $-480,000 | 12,232 |
| Applicable income taxes | $569,000 | 3,666 |
| Income before extraordinary items | $1,174,000 | 3,939 |
| Extraordinary gains, net | $10,057,000 | 2 |
| Net income | $11,231,000 | 509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $753,000 | 1,044 |
| Cash dividends | $10,626,000 | 332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,495,600 | 3,212 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,577,000 | 5,266 |
| Total interest expense | $1,723,000 | 6,554 |
| Net interest income | $3,854,000 | 4,551 |
| Provision for loan and lease losses | $4,000 | 10,179 |
| Total noninterest income | $43,825,000 | 235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $738,000 | 1,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,087,000 | 152 |
| Total noninterest expense | $45,265,000 | 437 |
| Salaries and employee benefits | $5,230,000 | 1,283 |
| Premises and equipment expense | $1,476,000 | 1,440 |
| Additional noninterest expense | $38,559,000 | 285 |
| Pre-tax net operating income | $2,410,000 | 2,802 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $807,000 | 2,744 |
| Income before extraordinary items | $1,603,000 | 3,048 |
| Extraordinary gains, net | $-172,000 | 13,027 |
| Net income | $1,431,000 | 3,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 12,362 |
| Cash dividends | $665,000 | 2,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,603,000 | 2,879 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,626,000 | 5,790 |
| Total interest expense | $2,186,000 | 6,650 |
| Net interest income | $3,440,000 | 5,080 |
| Provision for loan and lease losses | $341,000 | 3,835 |
| Total noninterest income | $39,515,000 | 240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $793,000 | 1,702 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,722,000 | 161 |
| Total noninterest expense | $41,269,000 | 475 |
| Salaries and employee benefits | $4,776,000 | 1,391 |
| Premises and equipment expense | $1,401,000 | 1,526 |
| Additional noninterest expense | $35,092,000 | 303 |
| Pre-tax net operating income | $1,345,000 | 4,485 |
| Securities gains (losses) | $14,000 | 6,053 |
| Applicable income taxes | $425,000 | 4,575 |
| Income before extraordinary items | $934,000 | 4,787 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $934,000 | 4,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $924,340 | 4,502 |
* 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.