Home > First National Bank of Montgomery > Income and Expense
First National Bank of Montgomery, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $754,000 | 7,822 |
| Total interest expense | $205,000 | 8,009 |
| Net interest income | $549,000 | 7,581 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $1,326,000 | 1,802 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,315,000 | 1,163 |
| Total noninterest expense | $565,000 | 7,448 |
| Salaries and employee benefits | $314,000 | 7,425 |
| Premises and equipment expense | $123,000 | 6,335 |
| Additional noninterest expense | $128,000 | 7,719 |
| Pre-tax net operating income | $1,310,000 | 2,456 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,310,000 | 2,021 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,310,000 | 2,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,459 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,310,000 | 1,985 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $824,000 | 6,649 |
| Total interest expense | $347,000 | 6,537 |
| Net interest income | $477,000 | 6,611 |
| Provision for loan and lease losses | $100,000 | 2,696 |
| Total noninterest income | $59,000 | 6,392 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $10,000 | 6,870 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $49,000 | 5,091 |
| Total noninterest expense | $566,000 | 5,971 |
| Salaries and employee benefits | $421,000 | 5,093 |
| Premises and equipment expense | $67,000 | 6,170 |
| Additional noninterest expense | $78,000 | 7,453 |
| Pre-tax net operating income | $-130,000 | 7,631 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-130,000 | 7,722 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-130,000 | 7,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,517 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-130,000 | 7,683 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,740,000 | 6,371 |
| Total interest expense | $1,617,000 | 6,270 |
| Net interest income | $2,123,000 | 6,368 |
| Provision for loan and lease losses | $125,000 | 4,554 |
| Total noninterest income | $301,000 | 6,020 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $46,000 | 6,816 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $255,000 | 4,546 |
| Total noninterest expense | $1,934,000 | 6,299 |
| Salaries and employee benefits | $1,268,000 | 5,820 |
| Premises and equipment expense | $47,000 | 8,264 |
| Additional noninterest expense | $619,000 | 6,057 |
| Pre-tax net operating income | $365,000 | 6,377 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $365,000 | 6,180 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $365,000 | 6,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 2,153 |
| Cash dividends | $254,000 | 4,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $365,000 | 6,166 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,808,000 | 6,409 |
| Total interest expense | $1,213,000 | 6,310 |
| Net interest income | $1,595,000 | 6,401 |
| Provision for loan and lease losses | $60,000 | 4,834 |
| Total noninterest income | $219,000 | 6,135 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $33,000 | 6,873 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $186,000 | 4,638 |
| Total noninterest expense | $1,377,000 | 6,411 |
| Salaries and employee benefits | $893,000 | 5,992 |
| Premises and equipment expense | $29,000 | 8,337 |
| Additional noninterest expense | $455,000 | 6,069 |
| Pre-tax net operating income | $377,000 | 6,255 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $377,000 | 5,938 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $377,000 | 5,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 1,605 |
| Cash dividends | $129,000 | 4,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $377,000 | 5,925 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,862,000 | 6,457 |
| Total interest expense | $797,000 | 6,366 |
| Net interest income | $1,065,000 | 6,444 |
| Provision for loan and lease losses | $25,000 | 5,140 |
| Total noninterest income | $159,000 | 6,026 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $21,000 | 6,953 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $138,000 | 4,484 |
| Total noninterest expense | $934,000 | 6,414 |
| Salaries and employee benefits | $588,000 | 6,078 |
| Premises and equipment expense | $21,000 | 8,351 |
| Additional noninterest expense | $325,000 | 5,894 |
| Pre-tax net operating income | $265,000 | 6,262 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $265,000 | 5,911 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $265,000 | 5,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 1,136 |
| Cash dividends | $64,000 | 4,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $265,000 | 5,898 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $934,000 | 6,459 |
| Total interest expense | $391,000 | 6,422 |
| Net interest income | $543,000 | 6,426 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $68,000 | 6,298 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $9,000 | 7,042 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $59,000 | 4,788 |
| Total noninterest expense | $451,000 | 6,543 |
| Salaries and employee benefits | $305,000 | 5,989 |
| Premises and equipment expense | $2,000 | 8,583 |
| Additional noninterest expense | $144,000 | 6,237 |
| Pre-tax net operating income | $160,000 | 5,944 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $160,000 | 5,524 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $160,000 | 5,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $160,000 | 5,507 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,648,000 | 6,336 |
| Total interest expense | $1,389,000 | 6,277 |
| Net interest income | $2,259,000 | 6,273 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $276,000 | 6,337 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $40,000 | 7,036 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $236,000 | 4,788 |
| Total noninterest expense | $1,848,000 | 6,365 |
| Salaries and employee benefits | $1,226,000 | 5,841 |
| Premises and equipment expense | $56,000 | 8,301 |
| Additional noninterest expense | $566,000 | 6,221 |
| Pre-tax net operating income | $687,000 | 5,950 |
| Securities gains (losses) | $-69,000 | 8,056 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $618,000 | 5,757 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $618,000 | 5,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,730 |
| Cash dividends | $425,000 | 3,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $687,000 | 5,542 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,696,000 | 6,391 |
| Total interest expense | $996,000 | 6,322 |
| Net interest income | $1,700,000 | 6,315 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $211,000 | 6,351 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $31,000 | 7,105 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $180,000 | 4,755 |
| Total noninterest expense | $1,325,000 | 6,497 |
| Salaries and employee benefits | $900,000 | 5,880 |
| Premises and equipment expense | $34,000 | 8,452 |
| Additional noninterest expense | $391,000 | 6,451 |
| Pre-tax net operating income | $586,000 | 5,911 |
| Securities gains (losses) | $-75,000 | 8,315 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $511,000 | 5,711 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $511,000 | 5,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,656 |
| Cash dividends | $298,000 | 3,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $586,000 | 5,407 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,747,000 | 6,453 |
| Total interest expense | $616,000 | 6,397 |
| Net interest income | $1,131,000 | 6,366 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $140,000 | 6,363 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $21,000 | 7,132 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $119,000 | 4,766 |
| Total noninterest expense | $888,000 | 6,511 |
| Salaries and employee benefits | $594,000 | 5,938 |
| Premises and equipment expense | $29,000 | 8,346 |
| Additional noninterest expense | $265,000 | 6,425 |
| Pre-tax net operating income | $383,000 | 5,983 |
| Securities gains (losses) | $-75,000 | 8,467 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $307,000 | 5,966 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $307,000 | 5,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,097 |
| Cash dividends | $239,000 | 3,468 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $382,000 | 5,479 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $858,000 | 6,476 |
| Total interest expense | $289,000 | 6,456 |
| Net interest income | $569,000 | 6,362 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $73,000 | 6,246 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $62,000 | 4,677 |
| Total noninterest expense | $480,000 | 6,296 |
| Salaries and employee benefits | $321,000 | 5,721 |
| Premises and equipment expense | $11,000 | 8,487 |
| Additional noninterest expense | $148,000 | 6,100 |
| Pre-tax net operating income | $162,000 | 6,259 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $162,000 | 5,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $162,000 | 5,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $175,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $162,000 | 5,783 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,298,000 | 6,351 |
| Total interest expense | $975,000 | 6,340 |
| Net interest income | $2,323,000 | 6,240 |
| Provision for loan and lease losses | $58,000 | 5,597 |
| Total noninterest income | $290,000 | 6,386 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $44,000 | 7,168 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $246,000 | 4,764 |
| Total noninterest expense | $1,826,000 | 6,378 |
| Salaries and employee benefits | $1,173,000 | 5,870 |
| Premises and equipment expense | $44,000 | 8,540 |
| Additional noninterest expense | $609,000 | 6,011 |
| Pre-tax net operating income | $729,000 | 6,078 |
| Securities gains (losses) | $-100,000 | 8,428 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $628,000 | 5,902 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $628,000 | 5,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,365 |
| Cash dividends | $256,000 | 4,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $728,000 | 5,550 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,434,000 | 6,387 |
| Total interest expense | $694,000 | 6,380 |
| Net interest income | $1,740,000 | 6,278 |
| Provision for loan and lease losses | $58,000 | 5,018 |
| Total noninterest income | $220,000 | 6,394 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 7,220 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $187,000 | 4,754 |
| Total noninterest expense | $1,336,000 | 6,433 |
| Salaries and employee benefits | $857,000 | 5,908 |
| Premises and equipment expense | $35,000 | 8,507 |
| Additional noninterest expense | $444,000 | 6,065 |
| Pre-tax net operating income | $566,000 | 6,149 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $565,000 | 5,607 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $565,000 | 5,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $173,000 | 4,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $565,000 | 5,570 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,575,000 | 6,425 |
| Total interest expense | $431,000 | 6,421 |
| Net interest income | $1,144,000 | 6,313 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $151,000 | 6,327 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $22,000 | 7,213 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $129,000 | 4,634 |
| Total noninterest expense | $862,000 | 6,527 |
| Salaries and employee benefits | $564,000 | 5,947 |
| Premises and equipment expense | $25,000 | 8,468 |
| Additional noninterest expense | $273,000 | 6,276 |
| Pre-tax net operating income | $433,000 | 5,785 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $433,000 | 5,252 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $433,000 | 5,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,656 |
| Cash dividends | $85,000 | 4,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $433,000 | 5,207 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $765,000 | 6,514 |
| Total interest expense | $207,000 | 6,446 |
| Net interest income | $558,000 | 6,418 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $77,000 | 6,252 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $10,000 | 7,294 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $67,000 | 4,538 |
| Total noninterest expense | $442,000 | 6,482 |
| Salaries and employee benefits | $307,000 | 5,722 |
| Premises and equipment expense | $10,000 | 8,622 |
| Additional noninterest expense | $125,000 | 6,554 |
| Pre-tax net operating income | $193,000 | 6,040 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $193,000 | 5,506 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $193,000 | 5,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $193,000 | 5,473 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,133,000 | 6,302 |
| Total interest expense | $859,000 | 6,070 |
| Net interest income | $2,274,000 | 6,281 |
| Provision for loan and lease losses | $265,000 | 3,144 |
| Total noninterest income | $292,000 | 6,464 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $46,000 | 7,356 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $246,000 | 4,677 |
| Total noninterest expense | $1,656,000 | 6,619 |
| Salaries and employee benefits | $1,152,000 | 5,822 |
| Premises and equipment expense | $43,000 | 8,686 |
| Additional noninterest expense | $461,000 | 6,793 |
| Pre-tax net operating income | $645,000 | 6,270 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,000 | 7,085 |
| Income before extraordinary items | $644,000 | 5,803 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $644,000 | 5,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,569 |
| Cash dividends | $260,000 | 4,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $644,000 | 5,728 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,343,000 | 6,317 |
| Total interest expense | $655,000 | 6,013 |
| Net interest income | $1,688,000 | 6,314 |
| Provision for loan and lease losses | $265,000 | 2,488 |
| Total noninterest income | $231,000 | 6,383 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $34,000 | 7,408 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $197,000 | 4,529 |
| Total noninterest expense | $1,165,000 | 6,759 |
| Salaries and employee benefits | $819,000 | 5,940 |
| Premises and equipment expense | $32,000 | 8,709 |
| Additional noninterest expense | $314,000 | 6,985 |
| Pre-tax net operating income | $489,000 | 6,366 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,000 | 7,130 |
| Income before extraordinary items | $488,000 | 5,866 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $488,000 | 5,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,894 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $488,000 | 5,795 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,522,000 | 6,413 |
| Total interest expense | $445,000 | 5,989 |
| Net interest income | $1,077,000 | 6,468 |
| Provision for loan and lease losses | $230,000 | 1,975 |
| Total noninterest income | $152,000 | 6,439 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $22,000 | 7,457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $130,000 | 4,602 |
| Total noninterest expense | $764,000 | 6,840 |
| Salaries and employee benefits | $540,000 | 6,023 |
| Premises and equipment expense | $26,000 | 8,632 |
| Additional noninterest expense | $198,000 | 7,157 |
| Pre-tax net operating income | $235,000 | 6,939 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $235,000 | 6,578 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $235,000 | 6,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,060 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $235,000 | 6,495 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $765,000 | 6,421 |
| Total interest expense | $229,000 | 5,952 |
| Net interest income | $536,000 | 6,495 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $73,000 | 6,491 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $10,000 | 7,505 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $63,000 | 4,647 |
| Total noninterest expense | $419,000 | 6,627 |
| Salaries and employee benefits | $292,000 | 5,814 |
| Premises and equipment expense | $20,000 | 8,263 |
| Additional noninterest expense | $107,000 | 6,978 |
| Pre-tax net operating income | $140,000 | 6,574 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $140,000 | 6,167 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $140,000 | 6,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,465 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $140,000 | 6,059 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,091,000 | 6,422 |
| Total interest expense | $1,092,000 | 5,857 |
| Net interest income | $1,999,000 | 6,596 |
| Provision for loan and lease losses | $361,000 | 2,769 |
| Total noninterest income | $300,000 | 6,598 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $43,000 | 7,535 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $257,000 | 4,807 |
| Total noninterest expense | $1,688,000 | 6,547 |
| Salaries and employee benefits | $1,119,000 | 5,877 |
| Premises and equipment expense | $75,000 | 8,414 |
| Additional noninterest expense | $494,000 | 6,587 |
| Pre-tax net operating income | $250,000 | 7,639 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,000 | 7,318 |
| Income before extraordinary items | $248,000 | 7,537 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $248,000 | 7,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $446,000 | 1,749 |
| Cash dividends | $320,000 | 4,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $248,000 | 7,400 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,322,000 | 6,494 |
| Total interest expense | $844,000 | 5,917 |
| Net interest income | $1,478,000 | 6,680 |
| Provision for loan and lease losses | $355,000 | 2,237 |
| Total noninterest income | $223,000 | 6,660 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $32,000 | 7,605 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $191,000 | 4,895 |
| Total noninterest expense | $1,253,000 | 6,570 |
| Salaries and employee benefits | $845,000 | 5,820 |
| Premises and equipment expense | $55,000 | 8,474 |
| Additional noninterest expense | $353,000 | 6,693 |
| Pre-tax net operating income | $93,000 | 8,264 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $93,000 | 8,262 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $93,000 | 8,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 1,326 |
| Cash dividends | $295,000 | 3,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $93,000 | 8,136 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,558,000 | 6,522 |
| Total interest expense | $583,000 | 5,939 |
| Net interest income | $975,000 | 6,712 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $148,000 | 6,675 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $21,000 | 7,634 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $127,000 | 4,888 |
| Total noninterest expense | $821,000 | 6,626 |
| Salaries and employee benefits | $558,000 | 5,857 |
| Premises and equipment expense | $38,000 | 8,441 |
| Additional noninterest expense | $225,000 | 6,827 |
| Pre-tax net operating income | $202,000 | 7,200 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $202,000 | 6,948 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $202,000 | 6,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,733 |
| Cash dividends | $225,000 | 3,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $202,000 | 6,759 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $787,000 | 6,518 |
| Total interest expense | $300,000 | 5,934 |
| Net interest income | $487,000 | 6,725 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $73,000 | 6,636 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $10,000 | 7,640 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $63,000 | 4,821 |
| Total noninterest expense | $412,000 | 6,619 |
| Salaries and employee benefits | $275,000 | 5,912 |
| Premises and equipment expense | $18,000 | 8,517 |
| Additional noninterest expense | $119,000 | 6,675 |
| Pre-tax net operating income | $148,000 | 6,486 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $148,000 | 6,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $148,000 | 6,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,558 |
| Cash dividends | $45,000 | 3,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $148,000 | 5,862 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,569,000 | 6,274 |
| Total interest expense | $1,316,000 | 6,130 |
| Net interest income | $2,253,000 | 6,242 |
| Provision for loan and lease losses | $185,000 | 4,507 |
| Total noninterest income | $239,000 | 6,957 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $43,000 | 7,632 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $196,000 | 5,074 |
| Total noninterest expense | $1,671,000 | 6,516 |
| Salaries and employee benefits | $1,133,000 | 5,696 |
| Premises and equipment expense | $70,000 | 8,597 |
| Additional noninterest expense | $468,000 | 6,693 |
| Pre-tax net operating income | $636,000 | 6,306 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $636,000 | 5,815 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $636,000 | 5,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 3,009 |
| Cash dividends | $210,000 | 4,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $636,000 | 5,688 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,068,000 | 6,295 |
| Total interest expense | $1,922,000 | 6,221 |
| Net interest income | $2,146,000 | 6,209 |
| Provision for loan and lease losses | $845,000 | 1,437 |
| Total noninterest income | $296,000 | 6,463 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $45,000 | 7,695 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $251,000 | 4,486 |
| Total noninterest expense | $1,492,000 | 6,815 |
| Salaries and employee benefits | $967,000 | 6,110 |
| Premises and equipment expense | $63,000 | 8,919 |
| Additional noninterest expense | $462,000 | 6,695 |
| Pre-tax net operating income | $105,000 | 8,307 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $21,000 | 7,291 |
| Income before extraordinary items | $84,000 | 8,428 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $84,000 | 8,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $693,000 | 1,227 |
| Cash dividends | $246,000 | 4,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $84,000 | 8,324 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,013,000 | 6,482 |
| Total interest expense | $1,914,000 | 6,394 |
| Net interest income | $2,099,000 | 6,425 |
| Provision for loan and lease losses | $125,000 | 4,758 |
| Total noninterest income | $295,000 | 6,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $240,000 | 4,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,624 |
| Total noninterest expense | $1,560,000 | 6,584 |
| Salaries and employee benefits | $1,021,000 | 5,832 |
| Premises and equipment expense | $61,000 | 9,156 |
| Additional noninterest expense | $478,000 | 6,598 |
| Pre-tax net operating income | $709,000 | 6,188 |
| Securities gains (losses) | $-47,000 | 9,174 |
| Applicable income taxes | $65,000 | 7,009 |
| Income before extraordinary items | $597,000 | 5,864 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $597,000 | 5,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,771 |
| Cash dividends | $468,000 | 3,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $639,300 | 5,682 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,733,000 | 6,580 |
| Total interest expense | $1,749,000 | 6,464 |
| Net interest income | $1,984,000 | 6,682 |
| Provision for loan and lease losses | $58,000 | 6,335 |
| Total noninterest income | $233,000 | 7,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 5,430 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 7,849 |
| Total noninterest expense | $1,507,000 | 6,764 |
| Salaries and employee benefits | $947,000 | 6,110 |
| Premises and equipment expense | $62,000 | 9,387 |
| Additional noninterest expense | $498,000 | 6,530 |
| Pre-tax net operating income | $652,000 | 6,512 |
| Securities gains (losses) | $-22,000 | 9,580 |
| Applicable income taxes | $83,000 | 7,162 |
| Income before extraordinary items | $547,000 | 6,175 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $547,000 | 6,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,686 |
| Cash dividends | $182,000 | 5,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $566,140 | 6,040 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,802,000 | 6,660 |
| Total interest expense | $1,857,000 | 6,441 |
| Net interest income | $1,945,000 | 6,773 |
| Provision for loan and lease losses | $25,000 | 7,503 |
| Total noninterest income | $227,000 | 7,251 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 5,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,768 |
| Total noninterest expense | $1,433,000 | 6,875 |
| Salaries and employee benefits | $911,000 | 6,162 |
| Premises and equipment expense | $58,000 | 9,619 |
| Additional noninterest expense | $464,000 | 6,691 |
| Pre-tax net operating income | $714,000 | 6,430 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $70,000 | 7,990 |
| Income before extraordinary items | $644,000 | 5,847 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $644,000 | 5,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,759 |
| Cash dividends | $916,000 | 2,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $644,000 | 5,734 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,744,000 | 6,910 |
| Total interest expense | $1,759,000 | 6,760 |
| Net interest income | $1,985,000 | 6,944 |
| Provision for loan and lease losses | $80,000 | 5,644 |
| Total noninterest income | $221,000 | 7,577 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,042 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 7,914 |
| Total noninterest expense | $1,319,000 | 7,259 |
| Salaries and employee benefits | $847,000 | 6,553 |
| Premises and equipment expense | $138,000 | 8,064 |
| Additional noninterest expense | $334,000 | 7,966 |
| Pre-tax net operating income | $807,000 | 6,518 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $323,000 | 5,523 |
| Income before extraordinary items | $485,000 | 7,068 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $485,000 | 7,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,539 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $484,360 | 7,021 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,477,000 | 7,430 |
| Total interest expense | $1,698,000 | 7,084 |
| Net interest income | $1,779,000 | 7,603 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $350,000 | 6,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $192,000 | 5,293 |
| Total noninterest expense | $1,276,000 | 7,738 |
| Salaries and employee benefits | $762,000 | 7,190 |
| Premises and equipment expense | $148,000 | 8,108 |
| Additional noninterest expense | $366,000 | 8,194 |
| Pre-tax net operating income | $841,000 | 6,330 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $283,000 | 6,032 |
| Income before extraordinary items | $554,000 | 6,536 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $554,000 | 6,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,999 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $556,640 | 6,465 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,239,000 | 7,881 |
| Total interest expense | $1,540,000 | 7,586 |
| Net interest income | $1,699,000 | 8,021 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $208,000 | 8,310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,034 |
| Total noninterest expense | $1,269,000 | 7,955 |
| Salaries and employee benefits | $814,000 | 7,030 |
| Premises and equipment expense | $112,000 | 9,254 |
| Additional noninterest expense | $343,000 | 8,763 |
| Pre-tax net operating income | $638,000 | 7,658 |
| Securities gains (losses) | $-30,000 | 10,836 |
| Applicable income taxes | $167,000 | 7,980 |
| Income before extraordinary items | $441,000 | 7,715 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $441,000 | 7,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,931 |
| Cash dividends | $222,000 | 5,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $462,900 | 7,507 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,999,000 | 8,045 |
| Total interest expense | $1,195,000 | 7,921 |
| Net interest income | $1,804,000 | 8,033 |
| Provision for loan and lease losses | $9,000 | 8,587 |
| Total noninterest income | $212,000 | 8,534 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 7,336 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 8,198 |
| Total noninterest expense | $1,230,000 | 8,498 |
| Salaries and employee benefits | $754,000 | 7,494 |
| Premises and equipment expense | $125,000 | 9,244 |
| Additional noninterest expense | $351,000 | 9,331 |
| Pre-tax net operating income | $777,000 | 6,990 |
| Securities gains (losses) | $-74,000 | 11,337 |
| Applicable income taxes | $183,000 | 7,655 |
| Income before extraordinary items | $520,000 | 7,154 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $520,000 | 7,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 11,755 |
| Cash dividends | $249,000 | 4,988 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $574,760 | 6,788 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 8,357 |
| Total interest expense | $1,226,000 | 8,158 |
| Net interest income | $1,761,000 | 8,342 |
| Provision for loan and lease losses | $105,000 | 5,626 |
| Total noninterest income | $280,000 | 7,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 7,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 6,394 |
| Total noninterest expense | $1,225,000 | 8,796 |
| Salaries and employee benefits | $712,000 | 7,924 |
| Premises and equipment expense | $143,000 | 9,102 |
| Additional noninterest expense | $370,000 | 9,605 |
| Pre-tax net operating income | $711,000 | 7,304 |
| Securities gains (losses) | $22,000 | 4,534 |
| Applicable income taxes | $232,000 | 7,070 |
| Income before extraordinary items | $501,000 | 7,547 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $501,000 | 7,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 7,969 |
| Cash dividends | $463,000 | 3,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $486,040 | 7,416 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,321,000 | 8,442 |
| Total interest expense | $1,593,000 | 8,226 |
| Net interest income | $1,728,000 | 8,569 |
| Provision for loan and lease losses | $167,000 | 5,802 |
| Total noninterest income | $164,000 | 10,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 8,278 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 10,037 |
| Total noninterest expense | $1,213,000 | 8,987 |
| Salaries and employee benefits | $628,000 | 8,568 |
| Premises and equipment expense | $126,000 | 9,817 |
| Additional noninterest expense | $459,000 | 8,878 |
| Pre-tax net operating income | $512,000 | 8,321 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $126,000 | 9,216 |
| Income before extraordinary items | $385,000 | 8,368 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $385,000 | 8,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 3,447 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $385,750 | 8,006 |
* 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.