Home > First National Bank of Georgia > Income and Expense
First National Bank of Georgia, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,976,000 | 2,885 |
| Total interest expense | $3,479,000 | 2,633 |
| Net interest income | $3,497,000 | 3,121 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $2,802,000 | 1,018 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,121,000 | 793 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,681,000 | 969 |
| Total noninterest expense | $4,925,000 | 1,876 |
| Salaries and employee benefits | $3,241,000 | 1,580 |
| Premises and equipment expense | $563,000 | 2,300 |
| Additional noninterest expense | $1,121,000 | 2,360 |
| Pre-tax net operating income | $1,374,000 | 2,838 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $415,000 | 2,330 |
| Income before extraordinary items | $959,000 | 3,118 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $959,000 | 3,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 1,427 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $959,000 | 3,102 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,465,000 | 2,880 |
| Total interest expense | $1,750,000 | 2,611 |
| Net interest income | $1,715,000 | 3,171 |
| Provision for loan and lease losses | $12,000 | 4,908 |
| Total noninterest income | $1,877,000 | 799 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $562,000 | 745 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,315,000 | 670 |
| Total noninterest expense | $1,917,000 | 2,384 |
| Salaries and employee benefits | $1,150,000 | 2,234 |
| Premises and equipment expense | $276,000 | 2,364 |
| Additional noninterest expense | $491,000 | 2,659 |
| Pre-tax net operating income | $1,663,000 | 1,399 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $486,000 | 1,311 |
| Income before extraordinary items | $1,177,000 | 1,470 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,177,000 | 1,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,851 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,177,000 | 1,462 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,916,000 | 2,905 |
| Total interest expense | $5,482,000 | 2,804 |
| Net interest income | $7,434,000 | 2,945 |
| Provision for loan and lease losses | $187,000 | 3,655 |
| Total noninterest income | $3,128,000 | 1,563 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,300,000 | 770 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $828,000 | 2,532 |
| Total noninterest expense | $7,495,000 | 2,361 |
| Salaries and employee benefits | $4,527,000 | 2,160 |
| Premises and equipment expense | $904,000 | 2,707 |
| Additional noninterest expense | $2,064,000 | 2,505 |
| Pre-tax net operating income | $2,880,000 | 2,853 |
| Securities gains (losses) | $-6,000 | 7,127 |
| Applicable income taxes | $657,000 | 2,754 |
| Income before extraordinary items | $2,217,000 | 2,877 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,217,000 | 2,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,401 |
| Cash dividends | $1,500,000 | 1,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,221,620 | 2,860 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,432,000 | 2,948 |
| Total interest expense | $3,758,000 | 2,939 |
| Net interest income | $5,674,000 | 2,926 |
| Provision for loan and lease losses | $157,000 | 3,335 |
| Total noninterest income | $2,334,000 | 1,580 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,710,000 | 783 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $624,000 | 2,514 |
| Total noninterest expense | $5,597,000 | 2,373 |
| Salaries and employee benefits | $3,404,000 | 2,161 |
| Premises and equipment expense | $657,000 | 2,784 |
| Additional noninterest expense | $1,536,000 | 2,494 |
| Pre-tax net operating income | $2,254,000 | 2,869 |
| Securities gains (losses) | $-6,000 | 7,439 |
| Applicable income taxes | $572,000 | 2,668 |
| Income before extraordinary items | $1,676,000 | 2,950 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,676,000 | 2,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,508 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,680,500 | 2,935 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,117,000 | 2,973 |
| Total interest expense | $2,311,000 | 3,026 |
| Net interest income | $3,806,000 | 2,912 |
| Provision for loan and lease losses | $118,000 | 3,120 |
| Total noninterest income | $1,527,000 | 1,612 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,129,000 | 775 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $398,000 | 2,566 |
| Total noninterest expense | $3,715,000 | 2,375 |
| Salaries and employee benefits | $2,271,000 | 2,164 |
| Premises and equipment expense | $432,000 | 2,804 |
| Additional noninterest expense | $1,012,000 | 2,530 |
| Pre-tax net operating income | $1,500,000 | 2,880 |
| Securities gains (losses) | $-6,000 | 7,728 |
| Applicable income taxes | $368,000 | 2,746 |
| Income before extraordinary items | $1,126,000 | 2,929 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,126,000 | 2,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,929 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,130,500 | 2,912 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,940,000 | 3,025 |
| Total interest expense | $1,082,000 | 3,056 |
| Net interest income | $1,858,000 | 2,965 |
| Provision for loan and lease losses | $57,000 | 2,978 |
| Total noninterest income | $763,000 | 1,573 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $542,000 | 780 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $221,000 | 2,348 |
| Total noninterest expense | $1,799,000 | 2,466 |
| Salaries and employee benefits | $1,119,000 | 2,202 |
| Premises and equipment expense | $215,000 | 2,836 |
| Additional noninterest expense | $465,000 | 2,721 |
| Pre-tax net operating income | $765,000 | 2,798 |
| Securities gains (losses) | $-4,000 | 8,056 |
| Applicable income taxes | $192,000 | 2,665 |
| Income before extraordinary items | $569,000 | 2,855 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $569,000 | 2,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,977 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $572,000 | 2,827 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,874,000 | 2,933 |
| Total interest expense | $3,475,000 | 2,958 |
| Net interest income | $7,399,000 | 2,898 |
| Provision for loan and lease losses | $305,000 | 2,776 |
| Total noninterest income | $2,855,000 | 1,689 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,066,000 | 837 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $789,000 | 2,561 |
| Total noninterest expense | $7,070,000 | 2,369 |
| Salaries and employee benefits | $4,322,000 | 2,132 |
| Premises and equipment expense | $880,000 | 2,646 |
| Additional noninterest expense | $1,868,000 | 2,661 |
| Pre-tax net operating income | $2,879,000 | 2,850 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $702,000 | 2,810 |
| Income before extraordinary items | $2,177,000 | 2,878 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,177,000 | 2,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 2,849 |
| Cash dividends | $1,500,000 | 1,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,177,000 | 2,845 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,030,000 | 2,926 |
| Total interest expense | $2,503,000 | 2,926 |
| Net interest income | $5,527,000 | 2,893 |
| Provision for loan and lease losses | $303,000 | 2,179 |
| Total noninterest income | $2,115,000 | 1,709 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,551,000 | 837 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $564,000 | 2,654 |
| Total noninterest expense | $5,249,000 | 2,363 |
| Salaries and employee benefits | $3,194,000 | 2,137 |
| Premises and equipment expense | $663,000 | 2,621 |
| Additional noninterest expense | $1,392,000 | 2,642 |
| Pre-tax net operating income | $2,090,000 | 2,949 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $479,000 | 3,022 |
| Income before extraordinary items | $1,611,000 | 2,959 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,611,000 | 2,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,320 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,611,000 | 2,920 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,246,000 | 2,908 |
| Total interest expense | $1,584,000 | 2,927 |
| Net interest income | $3,662,000 | 2,882 |
| Provision for loan and lease losses | $199,000 | 2,186 |
| Total noninterest income | $1,372,000 | 1,718 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,003,000 | 850 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $369,000 | 2,682 |
| Total noninterest expense | $3,458,000 | 2,375 |
| Salaries and employee benefits | $2,104,000 | 2,146 |
| Premises and equipment expense | $447,000 | 2,584 |
| Additional noninterest expense | $907,000 | 2,679 |
| Pre-tax net operating income | $1,377,000 | 2,938 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $325,000 | 2,961 |
| Income before extraordinary items | $1,052,000 | 2,970 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,052,000 | 2,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,449 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,052,000 | 2,931 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,526,000 | 2,972 |
| Total interest expense | $754,000 | 2,939 |
| Net interest income | $1,772,000 | 2,959 |
| Provision for loan and lease losses | $98,000 | 2,104 |
| Total noninterest income | $663,000 | 1,732 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $493,000 | 828 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $170,000 | 2,758 |
| Total noninterest expense | $1,666,000 | 2,461 |
| Salaries and employee benefits | $1,010,000 | 2,249 |
| Premises and equipment expense | $215,000 | 2,693 |
| Additional noninterest expense | $441,000 | 2,743 |
| Pre-tax net operating income | $671,000 | 2,952 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $140,000 | 3,214 |
| Income before extraordinary items | $531,000 | 2,906 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $531,000 | 2,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 1,208 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $531,000 | 2,858 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,835,000 | 2,882 |
| Total interest expense | $2,779,000 | 2,789 |
| Net interest income | $7,056,000 | 2,858 |
| Provision for loan and lease losses | $299,000 | 2,963 |
| Total noninterest income | $2,470,000 | 1,880 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,923,000 | 908 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $547,000 | 3,140 |
| Total noninterest expense | $6,651,000 | 2,401 |
| Salaries and employee benefits | $3,854,000 | 2,261 |
| Premises and equipment expense | $810,000 | 2,765 |
| Additional noninterest expense | $1,987,000 | 2,443 |
| Pre-tax net operating income | $2,576,000 | 2,933 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $559,000 | 3,151 |
| Income before extraordinary items | $2,017,000 | 2,898 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,017,000 | 2,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,298 |
| Cash dividends | $1,500,000 | 1,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,017,000 | 2,835 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,333,000 | 2,857 |
| Total interest expense | $2,068,000 | 2,769 |
| Net interest income | $5,265,000 | 2,850 |
| Provision for loan and lease losses | $226,000 | 2,744 |
| Total noninterest income | $1,855,000 | 1,893 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,451,000 | 898 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $404,000 | 3,166 |
| Total noninterest expense | $4,995,000 | 2,387 |
| Salaries and employee benefits | $2,863,000 | 2,257 |
| Premises and equipment expense | $637,000 | 2,638 |
| Additional noninterest expense | $1,495,000 | 2,401 |
| Pre-tax net operating income | $1,899,000 | 3,009 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $397,000 | 3,315 |
| Income before extraordinary items | $1,507,000 | 2,945 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,507,000 | 2,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,051 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,503,050 | 2,871 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,867,000 | 2,855 |
| Total interest expense | $1,357,000 | 2,785 |
| Net interest income | $3,510,000 | 2,841 |
| Provision for loan and lease losses | $161,000 | 2,585 |
| Total noninterest income | $1,230,000 | 1,886 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $946,000 | 906 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $284,000 | 3,083 |
| Total noninterest expense | $3,293,000 | 2,420 |
| Salaries and employee benefits | $1,915,000 | 2,255 |
| Premises and equipment expense | $421,000 | 2,668 |
| Additional noninterest expense | $957,000 | 2,483 |
| Pre-tax net operating income | $1,286,000 | 2,945 |
| Securities gains (losses) | $6,000 | 2,670 |
| Applicable income taxes | $264,000 | 3,300 |
| Income before extraordinary items | $1,028,000 | 2,867 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,028,000 | 2,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,529 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,023,200 | 2,799 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,441,000 | 2,858 |
| Total interest expense | $674,000 | 2,841 |
| Net interest income | $1,767,000 | 2,820 |
| Provision for loan and lease losses | $84,000 | 2,431 |
| Total noninterest income | $603,000 | 1,882 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $455,000 | 920 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $148,000 | 2,972 |
| Total noninterest expense | $1,603,000 | 2,495 |
| Salaries and employee benefits | $936,000 | 2,326 |
| Premises and equipment expense | $198,000 | 2,838 |
| Additional noninterest expense | $469,000 | 2,510 |
| Pre-tax net operating income | $683,000 | 2,756 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $149,000 | 3,113 |
| Income before extraordinary items | $534,000 | 2,781 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $534,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,469 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $534,000 | 2,685 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,220,000 | 2,775 |
| Total interest expense | $3,102,000 | 2,778 |
| Net interest income | $7,118,000 | 2,713 |
| Provision for loan and lease losses | $286,000 | 3,289 |
| Total noninterest income | $2,359,000 | 2,047 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,840,000 | 933 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $519,000 | 3,518 |
| Total noninterest expense | $6,124,000 | 2,553 |
| Salaries and employee benefits | $3,596,000 | 2,360 |
| Premises and equipment expense | $758,000 | 2,886 |
| Additional noninterest expense | $1,770,000 | 2,674 |
| Pre-tax net operating income | $3,067,000 | 2,455 |
| Securities gains (losses) | $128,000 | 1,679 |
| Applicable income taxes | $790,000 | 2,558 |
| Income before extraordinary items | $2,405,000 | 2,452 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,405,000 | 2,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 2,028 |
| Cash dividends | $1,500,000 | 1,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,309,000 | 2,427 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,661,000 | 2,814 |
| Total interest expense | $2,404,000 | 2,789 |
| Net interest income | $5,257,000 | 2,772 |
| Provision for loan and lease losses | $151,000 | 3,897 |
| Total noninterest income | $1,767,000 | 2,098 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,380,000 | 941 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $387,000 | 3,591 |
| Total noninterest expense | $4,524,000 | 2,598 |
| Salaries and employee benefits | $2,699,000 | 2,354 |
| Premises and equipment expense | $564,000 | 2,908 |
| Additional noninterest expense | $1,261,000 | 2,755 |
| Pre-tax net operating income | $2,349,000 | 2,508 |
| Securities gains (losses) | $33,000 | 2,620 |
| Applicable income taxes | $525,000 | 2,943 |
| Income before extraordinary items | $1,857,000 | 2,484 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,857,000 | 2,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $359,000 | 1,518 |
| Cash dividends | $750,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,831,260 | 2,385 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,116,000 | 2,825 |
| Total interest expense | $1,660,000 | 2,772 |
| Net interest income | $3,456,000 | 2,792 |
| Provision for loan and lease losses | $111,000 | 3,686 |
| Total noninterest income | $1,183,000 | 2,082 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $916,000 | 937 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $267,000 | 3,509 |
| Total noninterest expense | $3,031,000 | 2,568 |
| Salaries and employee benefits | $1,797,000 | 2,350 |
| Premises and equipment expense | $378,000 | 2,907 |
| Additional noninterest expense | $856,000 | 2,718 |
| Pre-tax net operating income | $1,497,000 | 2,600 |
| Securities gains (losses) | $33,000 | 2,302 |
| Applicable income taxes | $320,000 | 3,116 |
| Income before extraordinary items | $1,210,000 | 2,554 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,210,000 | 2,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,290 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,183,930 | 2,464 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,561,000 | 2,839 |
| Total interest expense | $850,000 | 2,770 |
| Net interest income | $1,711,000 | 2,818 |
| Provision for loan and lease losses | $61,000 | 3,234 |
| Total noninterest income | $597,000 | 2,006 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $442,000 | 944 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $155,000 | 3,156 |
| Total noninterest expense | $1,496,000 | 2,594 |
| Salaries and employee benefits | $880,000 | 2,393 |
| Premises and equipment expense | $189,000 | 2,896 |
| Additional noninterest expense | $427,000 | 2,696 |
| Pre-tax net operating income | $751,000 | 2,599 |
| Securities gains (losses) | $32,000 | 1,647 |
| Applicable income taxes | $137,000 | 3,381 |
| Income before extraordinary items | $646,000 | 2,370 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $646,000 | 2,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,593 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $619,440 | 2,326 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,866,000 | 2,798 |
| Total interest expense | $3,722,000 | 2,923 |
| Net interest income | $7,144,000 | 2,672 |
| Provision for loan and lease losses | $381,000 | 2,938 |
| Total noninterest income | $2,180,000 | 1,989 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,701,000 | 944 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $479,000 | 3,364 |
| Total noninterest expense | $5,947,000 | 2,483 |
| Salaries and employee benefits | $3,427,000 | 2,330 |
| Premises and equipment expense | $715,000 | 2,952 |
| Additional noninterest expense | $1,805,000 | 2,540 |
| Pre-tax net operating income | $2,996,000 | 2,511 |
| Securities gains (losses) | $6,000 | 3,879 |
| Applicable income taxes | $655,000 | 2,970 |
| Income before extraordinary items | $2,347,000 | 2,469 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,347,000 | 2,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 2,219 |
| Cash dividends | $1,500,000 | 1,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,342,320 | 2,387 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,467,000 | 2,956 |
| Total interest expense | $5,305,000 | 2,993 |
| Net interest income | $6,162,000 | 2,879 |
| Provision for loan and lease losses | $205,000 | 4,072 |
| Total noninterest income | $1,977,000 | 2,035 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,564,000 | 950 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $413,000 | 3,466 |
| Total noninterest expense | $5,162,000 | 2,752 |
| Salaries and employee benefits | $2,904,000 | 2,582 |
| Premises and equipment expense | $655,000 | 3,114 |
| Additional noninterest expense | $1,603,000 | 2,712 |
| Pre-tax net operating income | $2,772,000 | 2,444 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $663,000 | 2,774 |
| Income before extraordinary items | $2,108,000 | 2,412 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,108,000 | 2,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,849 |
| Cash dividends | $1,200,000 | 1,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,108,760 | 2,331 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,844,000 | 3,173 |
| Total interest expense | $4,711,000 | 3,481 |
| Net interest income | $6,133,000 | 2,877 |
| Provision for loan and lease losses | $195,000 | 3,809 |
| Total noninterest income | $1,309,000 | 2,591 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $965,000 | 1,412 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $344,000 | 3,654 |
| Total noninterest expense | $4,687,000 | 2,892 |
| Salaries and employee benefits | $2,738,000 | 2,597 |
| Premises and equipment expense | $542,000 | 3,559 |
| Additional noninterest expense | $1,407,000 | 2,976 |
| Pre-tax net operating income | $2,560,000 | 2,709 |
| Securities gains (losses) | $-25,000 | 8,855 |
| Applicable income taxes | $677,000 | 2,865 |
| Income before extraordinary items | $1,858,000 | 2,735 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,858,000 | 2,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,226 |
| Cash dividends | $600,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,876,250 | 2,710 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,687,000 | 3,309 |
| Total interest expense | $3,990,000 | 3,592 |
| Net interest income | $5,697,000 | 3,061 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $1,120,000 | 2,841 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $848,000 | 1,551 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $272,000 | 4,248 |
| Total noninterest expense | $4,373,000 | 3,052 |
| Salaries and employee benefits | $2,499,000 | 2,805 |
| Premises and equipment expense | $603,000 | 3,240 |
| Additional noninterest expense | $1,271,000 | 3,273 |
| Pre-tax net operating income | $2,384,000 | 2,904 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $653,000 | 3,038 |
| Income before extraordinary items | $1,731,000 | 2,896 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,731,000 | 2,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,731,000 | 2,870 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,714,000 | 3,320 |
| Total interest expense | $4,184,000 | 3,537 |
| Net interest income | $5,530,000 | 3,103 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $1,027,000 | 3,010 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $763,000 | 1,665 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $264,000 | 4,292 |
| Total noninterest expense | $4,387,000 | 2,956 |
| Salaries and employee benefits | $2,420,000 | 2,810 |
| Premises and equipment expense | $656,000 | 2,940 |
| Additional noninterest expense | $1,311,000 | 3,110 |
| Pre-tax net operating income | $2,110,000 | 3,204 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $597,000 | 3,417 |
| Income before extraordinary items | $1,513,000 | 3,235 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,513,000 | 3,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,967 |
| Cash dividends | $1,500,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,513,000 | 3,146 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,322,000 | 3,466 |
| Total interest expense | $3,838,000 | 3,834 |
| Net interest income | $5,484,000 | 3,185 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $1,057,000 | 2,919 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $815,000 | 1,596 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $242,000 | 4,453 |
| Total noninterest expense | $4,145,000 | 3,083 |
| Salaries and employee benefits | $2,319,000 | 2,858 |
| Premises and equipment expense | $601,000 | 3,149 |
| Additional noninterest expense | $1,225,000 | 3,301 |
| Pre-tax net operating income | $2,276,000 | 3,165 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $568,000 | 3,841 |
| Income before extraordinary items | $1,708,000 | 2,975 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,708,000 | 2,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,139 |
| Cash dividends | $1,500,000 | 1,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,708,000 | 2,924 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,190,000 | 3,544 |
| Total interest expense | $3,957,000 | 3,743 |
| Net interest income | $5,233,000 | 3,396 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $985,000 | 3,162 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $755,000 | 1,786 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $230,000 | 4,788 |
| Total noninterest expense | $4,092,000 | 3,283 |
| Salaries and employee benefits | $2,268,000 | 2,945 |
| Premises and equipment expense | $630,000 | 3,055 |
| Additional noninterest expense | $1,194,000 | 3,802 |
| Pre-tax net operating income | $2,116,000 | 3,260 |
| Securities gains (losses) | $-7,000 | 10,114 |
| Applicable income taxes | $497,000 | 4,170 |
| Income before extraordinary items | $1,612,000 | 2,985 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,612,000 | 2,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,564 |
| Cash dividends | $1,500,000 | 1,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,617,320 | 2,935 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,010,000 | 3,618 |
| Total interest expense | $3,971,000 | 3,706 |
| Net interest income | $5,039,000 | 3,506 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $905,000 | 3,348 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $780,000 | 1,743 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $125,000 | 6,525 |
| Total noninterest expense | $4,038,000 | 3,300 |
| Salaries and employee benefits | $2,157,000 | 3,084 |
| Premises and equipment expense | $343,000 | 5,095 |
| Additional noninterest expense | $1,538,000 | 3,024 |
| Pre-tax net operating income | $1,876,000 | 3,701 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $484,000 | 4,305 |
| Income before extraordinary items | $1,392,000 | 3,486 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,392,000 | 3,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 11,194 |
| Cash dividends | $750,000 | 2,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,392,000 | 3,455 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,149,000 | 3,678 |
| Total interest expense | $2,993,000 | 3,974 |
| Net interest income | $5,156,000 | 3,457 |
| Provision for loan and lease losses | $150,000 | 3,586 |
| Total noninterest income | $748,000 | 3,924 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $662,000 | 2,050 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $86,000 | 7,986 |
| Total noninterest expense | $4,113,000 | 3,335 |
| Salaries and employee benefits | $2,099,000 | 3,139 |
| Premises and equipment expense | $456,000 | 4,111 |
| Additional noninterest expense | $1,558,000 | 3,191 |
| Pre-tax net operating income | $1,641,000 | 4,081 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $296,000 | 5,922 |
| Income before extraordinary items | $1,352,000 | 3,473 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,352,000 | 3,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,709 |
| Cash dividends | $513,000 | 3,128 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,346,260 | 3,520 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,254,000 | 3,702 |
| Total interest expense | $3,106,000 | 4,000 |
| Net interest income | $5,148,000 | 3,474 |
| Provision for loan and lease losses | $354,000 | 2,687 |
| Total noninterest income | $839,000 | 3,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $691,000 | 1,974 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 6,604 |
| Total noninterest expense | $4,100,000 | 3,411 |
| Salaries and employee benefits | $2,035,000 | 3,229 |
| Premises and equipment expense | $655,000 | 3,052 |
| Additional noninterest expense | $1,410,000 | 3,682 |
| Pre-tax net operating income | $1,533,000 | 4,236 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $420,000 | 4,830 |
| Income before extraordinary items | $1,113,000 | 4,282 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,113,000 | 4,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 2,332 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,113,000 | 4,063 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,744,000 | 4,415 |
| Total interest expense | $3,326,000 | 4,746 |
| Net interest income | $4,418,000 | 4,070 |
| Provision for loan and lease losses | $342,000 | 3,824 |
| Total noninterest income | $706,000 | 4,393 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $614,000 | 2,223 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 8,366 |
| Total noninterest expense | $3,445,000 | 3,982 |
| Salaries and employee benefits | $1,658,000 | 3,875 |
| Premises and equipment expense | $594,000 | 3,397 |
| Additional noninterest expense | $1,193,000 | 4,361 |
| Pre-tax net operating income | $1,337,000 | 4,507 |
| Securities gains (losses) | $-21,000 | 13,491 |
| Applicable income taxes | $361,000 | 5,207 |
| Income before extraordinary items | $955,000 | 4,695 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $955,000 | 4,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 4,645 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $970,330 | 4,303 |
* 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.