Home > First National Bank of North County > Income and Expense
First National Bank of North County, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,619,000 | 4,567 |
| Total interest expense | $2,306,000 | 4,731 |
| Net interest income | $3,313,000 | 4,361 |
| Provision for loan and lease losses | $70,000 | 4,664 |
| Total noninterest income | $634,000 | 3,908 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $351,000 | 3,175 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $283,000 | 3,845 |
| Total noninterest expense | $3,100,000 | 3,995 |
| Salaries and employee benefits | $1,899,000 | 3,671 |
| Premises and equipment expense | $413,000 | 4,067 |
| Additional noninterest expense | $788,000 | 4,410 |
| Pre-tax net operating income | $777,000 | 4,898 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $28,000 | 5,296 |
| Income before extraordinary items | $749,000 | 4,483 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $749,000 | 4,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $749,000 | 4,477 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 4,689 |
| Total interest expense | $1,450,000 | 4,899 |
| Net interest income | $2,141,000 | 4,492 |
| Provision for loan and lease losses | $45,000 | 4,495 |
| Total noninterest income | $443,000 | 3,806 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $217,000 | 3,349 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $226,000 | 3,553 |
| Total noninterest expense | $1,968,000 | 4,173 |
| Salaries and employee benefits | $1,141,000 | 3,998 |
| Premises and equipment expense | $268,000 | 4,166 |
| Additional noninterest expense | $559,000 | 4,230 |
| Pre-tax net operating income | $571,000 | 4,787 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $17,000 | 5,428 |
| Income before extraordinary items | $554,000 | 4,326 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $554,000 | 4,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $554,000 | 4,323 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,706,000 | 4,834 |
| Total interest expense | $698,000 | 4,985 |
| Net interest income | $1,008,000 | 4,666 |
| Provision for loan and lease losses | $23,000 | 4,237 |
| Total noninterest income | $204,000 | 3,968 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $118,000 | 3,108 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $86,000 | 4,061 |
| Total noninterest expense | $970,000 | 4,232 |
| Salaries and employee benefits | $559,000 | 4,082 |
| Premises and equipment expense | $147,000 | 3,913 |
| Additional noninterest expense | $264,000 | 4,362 |
| Pre-tax net operating income | $219,000 | 5,321 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $219,000 | 4,856 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $219,000 | 4,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $219,000 | 4,825 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,067,000 | 4,539 |
| Total interest expense | $2,647,000 | 4,671 |
| Net interest income | $4,420,000 | 4,388 |
| Provision for loan and lease losses | $-100,000 | 8,464 |
| Total noninterest income | $952,000 | 3,668 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $466,000 | 3,214 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $486,000 | 3,383 |
| Total noninterest expense | $4,165,000 | 3,868 |
| Salaries and employee benefits | $2,513,000 | 3,594 |
| Premises and equipment expense | $485,000 | 4,358 |
| Additional noninterest expense | $1,167,000 | 4,025 |
| Pre-tax net operating income | $1,307,000 | 4,596 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $43,000 | 5,544 |
| Income before extraordinary items | $1,264,000 | 4,174 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,264,000 | 4,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $800,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,264,000 | 4,140 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,277,000 | 4,548 |
| Total interest expense | $1,919,000 | 4,675 |
| Net interest income | $3,358,000 | 4,385 |
| Provision for loan and lease losses | $-100,000 | 8,571 |
| Total noninterest income | $743,000 | 3,577 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $359,000 | 3,165 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $384,000 | 3,279 |
| Total noninterest expense | $3,146,000 | 3,844 |
| Salaries and employee benefits | $1,905,000 | 3,569 |
| Premises and equipment expense | $445,000 | 3,809 |
| Additional noninterest expense | $796,000 | 4,282 |
| Pre-tax net operating income | $1,055,000 | 4,611 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $39,000 | 5,586 |
| Income before extraordinary items | $1,016,000 | 4,130 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,016,000 | 4,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $500,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,016,000 | 4,114 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,476,000 | 4,533 |
| Total interest expense | $1,183,000 | 4,759 |
| Net interest income | $2,293,000 | 4,300 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $507,000 | 3,500 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $249,000 | 3,061 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $258,000 | 3,269 |
| Total noninterest expense | $2,082,000 | 3,889 |
| Salaries and employee benefits | $1,246,000 | 3,624 |
| Premises and equipment expense | $306,000 | 3,714 |
| Additional noninterest expense | $530,000 | 4,286 |
| Pre-tax net operating income | $718,000 | 4,573 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $31,000 | 5,554 |
| Income before extraordinary items | $687,000 | 4,118 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $687,000 | 4,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $687,000 | 4,105 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,612,000 | 4,695 |
| Total interest expense | $527,000 | 4,966 |
| Net interest income | $1,085,000 | 4,469 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $326,000 | 2,918 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $152,000 | 2,572 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $174,000 | 2,726 |
| Total noninterest expense | $1,081,000 | 3,774 |
| Salaries and employee benefits | $646,000 | 3,560 |
| Premises and equipment expense | $156,000 | 3,660 |
| Additional noninterest expense | $279,000 | 4,128 |
| Pre-tax net operating income | $330,000 | 4,730 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $14,000 | 5,578 |
| Income before extraordinary items | $316,000 | 4,285 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $316,000 | 4,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $316,000 | 4,268 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,709,000 | 4,272 |
| Total interest expense | $1,559,000 | 5,136 |
| Net interest income | $5,150,000 | 3,873 |
| Provision for loan and lease losses | $190,000 | 3,672 |
| Total noninterest income | $1,732,000 | 2,445 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $416,000 | 3,475 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,316,000 | 1,832 |
| Total noninterest expense | $4,333,000 | 3,635 |
| Salaries and employee benefits | $2,639,000 | 3,323 |
| Premises and equipment expense | $727,000 | 3,144 |
| Additional noninterest expense | $967,000 | 4,528 |
| Pre-tax net operating income | $2,359,000 | 3,276 |
| Securities gains (losses) | $3,000 | 1,899 |
| Applicable income taxes | $83,000 | 5,516 |
| Income before extraordinary items | $2,279,000 | 2,774 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,279,000 | 2,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $1,700,000 | 1,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,276,120 | 2,740 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,974,000 | 4,256 |
| Total interest expense | $1,061,000 | 5,277 |
| Net interest income | $3,913,000 | 3,832 |
| Provision for loan and lease losses | $190,000 | 3,039 |
| Total noninterest income | $1,506,000 | 2,196 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $304,000 | 3,529 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,202,000 | 1,587 |
| Total noninterest expense | $3,233,000 | 3,627 |
| Salaries and employee benefits | $1,946,000 | 3,352 |
| Premises and equipment expense | $559,000 | 3,055 |
| Additional noninterest expense | $728,000 | 4,506 |
| Pre-tax net operating income | $1,996,000 | 3,059 |
| Securities gains (losses) | $3,000 | 1,906 |
| Applicable income taxes | $69,000 | 5,565 |
| Income before extraordinary items | $1,930,000 | 2,549 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,930,000 | 2,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $600,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,927,090 | 2,526 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,263,000 | 4,234 |
| Total interest expense | $613,000 | 5,513 |
| Net interest income | $2,650,000 | 3,746 |
| Provision for loan and lease losses | $142,000 | 2,775 |
| Total noninterest income | $814,000 | 2,506 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $199,000 | 3,528 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $615,000 | 1,899 |
| Total noninterest expense | $2,052,000 | 3,740 |
| Salaries and employee benefits | $1,189,000 | 3,588 |
| Premises and equipment expense | $381,000 | 2,981 |
| Additional noninterest expense | $482,000 | 4,501 |
| Pre-tax net operating income | $1,270,000 | 3,120 |
| Securities gains (losses) | $3,000 | 1,754 |
| Applicable income taxes | $49,000 | 5,534 |
| Income before extraordinary items | $1,224,000 | 2,605 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,224,000 | 2,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,221,120 | 2,571 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,502,000 | 4,485 |
| Total interest expense | $261,000 | 5,856 |
| Net interest income | $1,241,000 | 3,954 |
| Provision for loan and lease losses | $71,000 | 2,655 |
| Total noninterest income | $482,000 | 2,188 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $119,000 | 3,049 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $363,000 | 1,663 |
| Total noninterest expense | $1,020,000 | 3,791 |
| Salaries and employee benefits | $620,000 | 3,470 |
| Premises and equipment expense | $180,000 | 3,146 |
| Additional noninterest expense | $220,000 | 4,754 |
| Pre-tax net operating income | $632,000 | 3,108 |
| Securities gains (losses) | $3,000 | 1,324 |
| Applicable income taxes | $31,000 | 5,273 |
| Income before extraordinary items | $604,000 | 2,604 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $604,000 | 2,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $601,150 | 2,577 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,324,000 | 4,644 |
| Total interest expense | $630,000 | 6,845 |
| Net interest income | $4,694,000 | 3,994 |
| Provision for loan and lease losses | $238,000 | 3,398 |
| Total noninterest income | $1,119,000 | 3,289 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $456,000 | 3,349 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $663,000 | 2,809 |
| Total noninterest expense | $4,085,000 | 3,675 |
| Salaries and employee benefits | $2,544,000 | 3,302 |
| Premises and equipment expense | $634,000 | 3,381 |
| Additional noninterest expense | $907,000 | 4,669 |
| Pre-tax net operating income | $1,490,000 | 4,262 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $63,000 | 5,889 |
| Income before extraordinary items | $1,427,000 | 3,756 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,427,000 | 3,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,625 |
| Cash dividends | $600,000 | 3,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,427,000 | 3,702 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,861,000 | 4,727 |
| Total interest expense | $415,000 | 7,126 |
| Net interest income | $3,446,000 | 4,055 |
| Provision for loan and lease losses | $223,000 | 2,833 |
| Total noninterest income | $899,000 | 3,145 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $347,000 | 3,335 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $552,000 | 2,645 |
| Total noninterest expense | $2,964,000 | 3,748 |
| Salaries and employee benefits | $1,788,000 | 3,450 |
| Premises and equipment expense | $478,000 | 3,380 |
| Additional noninterest expense | $698,000 | 4,541 |
| Pre-tax net operating income | $1,158,000 | 4,247 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $50,000 | 5,967 |
| Income before extraordinary items | $1,108,000 | 3,750 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,108,000 | 3,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,796 |
| Cash dividends | $600,000 | 2,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,108,000 | 3,674 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,549,000 | 4,772 |
| Total interest expense | $263,000 | 7,281 |
| Net interest income | $2,286,000 | 4,075 |
| Provision for loan and lease losses | $168,000 | 2,528 |
| Total noninterest income | $582,000 | 3,241 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $232,000 | 3,306 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $350,000 | 2,731 |
| Total noninterest expense | $1,840,000 | 4,001 |
| Salaries and employee benefits | $1,068,000 | 3,783 |
| Premises and equipment expense | $309,000 | 3,464 |
| Additional noninterest expense | $463,000 | 4,583 |
| Pre-tax net operating income | $860,000 | 3,923 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $38,000 | 5,863 |
| Income before extraordinary items | $822,000 | 3,462 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $822,000 | 3,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 1,824 |
| Cash dividends | $300,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $822,000 | 3,369 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,339,000 | 4,626 |
| Total interest expense | $122,000 | 7,488 |
| Net interest income | $1,217,000 | 3,852 |
| Provision for loan and lease losses | $18,000 | 4,919 |
| Total noninterest income | $268,000 | 3,362 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $110,000 | 3,351 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $158,000 | 2,848 |
| Total noninterest expense | $951,000 | 3,915 |
| Salaries and employee benefits | $538,000 | 3,784 |
| Premises and equipment expense | $161,000 | 3,395 |
| Additional noninterest expense | $252,000 | 4,289 |
| Pre-tax net operating income | $516,000 | 3,436 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $26,000 | 5,550 |
| 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 | $-7,000 | 8,046 |
| 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 | $4,563,000 | 5,191 |
| Total interest expense | $389,000 | 8,144 |
| Net interest income | $4,174,000 | 4,229 |
| Provision for loan and lease losses | $10,000 | 7,370 |
| Total noninterest income | $811,000 | 4,199 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $525,000 | 2,977 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $286,000 | 4,601 |
| Total noninterest expense | $3,470,000 | 4,148 |
| Salaries and employee benefits | $2,015,000 | 3,896 |
| Premises and equipment expense | $549,000 | 3,786 |
| Additional noninterest expense | $906,000 | 4,599 |
| Pre-tax net operating income | $1,505,000 | 4,120 |
| Securities gains (losses) | $48,000 | 2,552 |
| Applicable income taxes | $54,000 | 6,222 |
| Income before extraordinary items | $1,499,000 | 3,567 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,499,000 | 3,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 8,974 |
| Cash dividends | $1,400,000 | 1,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,452,440 | 3,484 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,269,000 | 5,414 |
| Total interest expense | $285,000 | 8,310 |
| Net interest income | $2,984,000 | 4,399 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $576,000 | 4,368 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $414,000 | 2,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $162,000 | 5,189 |
| Total noninterest expense | $2,378,000 | 4,431 |
| Salaries and employee benefits | $1,323,000 | 4,310 |
| Premises and equipment expense | $399,000 | 3,870 |
| Additional noninterest expense | $656,000 | 4,699 |
| Pre-tax net operating income | $1,152,000 | 4,196 |
| Securities gains (losses) | $48,000 | 2,347 |
| Applicable income taxes | $43,000 | 6,338 |
| Income before extraordinary items | $1,157,000 | 3,596 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,157,000 | 3,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,690 |
| Cash dividends | $1,000,000 | 1,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,110,920 | 3,537 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,199,000 | 5,422 |
| Total interest expense | $200,000 | 8,335 |
| Net interest income | $1,999,000 | 4,399 |
| Provision for loan and lease losses | $5,000 | 7,119 |
| Total noninterest income | $373,000 | 4,415 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $303,000 | 2,629 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $70,000 | 5,983 |
| Total noninterest expense | $1,494,000 | 4,607 |
| Salaries and employee benefits | $805,000 | 4,586 |
| Premises and equipment expense | $261,000 | 3,912 |
| Additional noninterest expense | $428,000 | 4,768 |
| Pre-tax net operating income | $873,000 | 3,831 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $30,000 | 6,338 |
| Income before extraordinary items | $848,000 | 3,350 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $848,000 | 3,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,628 |
| Cash dividends | $1,000,000 | 1,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $843,150 | 3,185 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,074,000 | 5,530 |
| Total interest expense | $108,000 | 8,326 |
| Net interest income | $966,000 | 4,498 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $154,000 | 4,825 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $131,000 | 2,877 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $23,000 | 6,700 |
| Total noninterest expense | $709,000 | 4,751 |
| Salaries and employee benefits | $376,000 | 4,846 |
| Premises and equipment expense | $133,000 | 3,855 |
| Additional noninterest expense | $200,000 | 4,959 |
| Pre-tax net operating income | $411,000 | 3,969 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $14,000 | 6,371 |
| Income before extraordinary items | $397,000 | 3,472 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $397,000 | 3,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $1,000,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $397,000 | 3,309 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,846,000 | 5,286 |
| Total interest expense | $709,000 | 7,794 |
| Net interest income | $4,137,000 | 4,237 |
| Provision for loan and lease losses | $116,000 | 5,475 |
| Total noninterest income | $528,000 | 5,064 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $444,000 | 3,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $84,000 | 6,794 |
| Total noninterest expense | $2,971,000 | 4,490 |
| Salaries and employee benefits | $1,597,000 | 4,462 |
| Premises and equipment expense | $611,000 | 3,358 |
| Additional noninterest expense | $763,000 | 5,100 |
| Pre-tax net operating income | $1,578,000 | 3,976 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $794,000 | 2,608 |
| Income before extraordinary items | $784,000 | 5,263 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $784,000 | 5,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 9,136 |
| Cash dividends | $510,000 | 3,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $784,000 | 5,124 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,169,000 | 5,505 |
| Total interest expense | $1,615,000 | 6,753 |
| Net interest income | $3,554,000 | 4,508 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $471,000 | 5,228 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $374,000 | 3,579 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $97,000 | 6,509 |
| Total noninterest expense | $3,055,000 | 4,272 |
| Salaries and employee benefits | $1,754,000 | 3,986 |
| Premises and equipment expense | $559,000 | 3,568 |
| Additional noninterest expense | $742,000 | 5,049 |
| Pre-tax net operating income | $970,000 | 4,979 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $359,000 | 3,936 |
| Income before extraordinary items | $611,000 | 5,572 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $611,000 | 5,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,944 |
| Cash dividends | $400,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $611,000 | 5,448 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,129,000 | 5,649 |
| Total interest expense | $1,817,000 | 6,566 |
| Net interest income | $3,312,000 | 4,810 |
| Provision for loan and lease losses | $188,000 | 3,880 |
| Total noninterest income | $387,000 | 5,611 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 3,907 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 7,155 |
| Total noninterest expense | $2,806,000 | 4,468 |
| Salaries and employee benefits | $1,502,000 | 4,354 |
| Premises and equipment expense | $558,000 | 3,471 |
| Additional noninterest expense | $746,000 | 4,962 |
| Pre-tax net operating income | $705,000 | 6,206 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $120,000 | 6,281 |
| Income before extraordinary items | $585,000 | 5,914 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $585,000 | 5,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $1,000,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $585,000 | 5,925 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,497,000 | 5,941 |
| Total interest expense | $1,187,000 | 7,682 |
| Net interest income | $3,310,000 | 4,821 |
| Provision for loan and lease losses | $43,000 | 6,780 |
| Total noninterest income | $490,000 | 5,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $424,000 | 3,062 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 7,548 |
| Total noninterest expense | $2,768,000 | 4,509 |
| Salaries and employee benefits | $1,594,000 | 4,133 |
| Premises and equipment expense | $528,000 | 3,604 |
| Additional noninterest expense | $646,000 | 5,540 |
| Pre-tax net operating income | $989,000 | 5,340 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $108,000 | 6,819 |
| Income before extraordinary items | $884,000 | 4,796 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $884,000 | 4,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,567 |
| Cash dividends | $800,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $881,330 | 4,763 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,686,000 | 5,918 |
| Total interest expense | $1,384,000 | 7,457 |
| Net interest income | $3,302,000 | 4,799 |
| Provision for loan and lease losses | $111,000 | 4,896 |
| Total noninterest income | $631,000 | 4,245 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $519,000 | 2,472 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 6,362 |
| Total noninterest expense | $2,830,000 | 4,340 |
| Salaries and employee benefits | $1,541,000 | 4,157 |
| Premises and equipment expense | $524,000 | 3,558 |
| Additional noninterest expense | $765,000 | 4,822 |
| Pre-tax net operating income | $992,000 | 5,435 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $2,000 | 9,272 |
| Income before extraordinary items | $1,007,000 | 4,491 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,007,000 | 4,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,499 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $990,000 | 4,457 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,243,000 | 8,723 |
| Total interest expense | $745,000 | 9,422 |
| Net interest income | $1,498,000 | 7,986 |
| Provision for loan and lease losses | $15,000 | 8,110 |
| Total noninterest income | $364,000 | 6,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 4,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 6,011 |
| Total noninterest expense | $1,072,000 | 8,091 |
| Salaries and employee benefits | $536,000 | 8,357 |
| Premises and equipment expense | $238,000 | 6,238 |
| Additional noninterest expense | $298,000 | 8,337 |
| Pre-tax net operating income | $775,000 | 6,657 |
| Securities gains (losses) | $52,000 | 1,322 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $827,000 | 5,347 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $827,000 | 5,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,448 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $775,000 | 5,522 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,358,000 | 7,551 |
| Total interest expense | $943,000 | 9,201 |
| Net interest income | $2,415,000 | 6,354 |
| Provision for loan and lease losses | $140,000 | 4,234 |
| Total noninterest income | $594,000 | 4,601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $391,000 | 3,401 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $203,000 | 5,117 |
| Total noninterest expense | $2,675,000 | 4,746 |
| Salaries and employee benefits | $1,106,000 | 5,564 |
| Premises and equipment expense | $553,000 | 3,466 |
| Additional noninterest expense | $1,016,000 | 4,354 |
| Pre-tax net operating income | $194,000 | 9,824 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,000 | 10,529 |
| Income before extraordinary items | $193,000 | 9,364 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $193,000 | 9,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,320 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $193,000 | 9,308 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,844,000 | 8,445 |
| Total interest expense | $707,000 | 10,285 |
| Net interest income | $2,137,000 | 7,010 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $654,000 | 4,308 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $417,000 | 3,228 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $237,000 | 4,638 |
| Total noninterest expense | $3,018,000 | 4,269 |
| Salaries and employee benefits | $1,143,000 | 5,433 |
| Premises and equipment expense | $512,000 | 3,686 |
| Additional noninterest expense | $1,363,000 | 3,347 |
| Pre-tax net operating income | $-327,000 | 11,736 |
| Securities gains (losses) | $32,000 | 1,585 |
| Applicable income taxes | $1,000 | 11,102 |
| Income before extraordinary items | $-296,000 | 11,729 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-296,000 | 11,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,473 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $1,489,000 | 252 |
| Net operating income | $-328,000 | 11,740 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,679,000 | 8,593 |
| Total interest expense | $530,000 | 10,963 |
| Net interest income | $2,149,000 | 7,200 |
| Provision for loan and lease losses | $52,000 | 6,028 |
| Total noninterest income | $1,035,000 | 3,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $480,000 | 2,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $555,000 | 2,748 |
| Total noninterest expense | $3,001,000 | 4,405 |
| Salaries and employee benefits | $1,162,000 | 5,413 |
| Premises and equipment expense | $549,000 | 3,526 |
| Additional noninterest expense | $1,290,000 | 3,799 |
| Pre-tax net operating income | $131,000 | 11,406 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $131,000 | 11,052 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $131,000 | 11,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,174 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $131,000 | 11,100 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,342,000 | 7,768 |
| Total interest expense | $816,000 | 9,958 |
| Net interest income | $2,526,000 | 6,493 |
| Provision for loan and lease losses | $1,042,000 | 1,262 |
| Total noninterest income | $904,000 | 3,622 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $459,000 | 3,036 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $445,000 | 3,518 |
| Total noninterest expense | $3,593,000 | 3,822 |
| Salaries and employee benefits | $1,367,000 | 4,656 |
| Premises and equipment expense | $628,000 | 3,185 |
| Additional noninterest expense | $1,598,000 | 3,314 |
| Pre-tax net operating income | $-1,205,000 | 13,003 |
| Securities gains (losses) | $343,000 | 1,182 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-862,000 | 12,982 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-862,000 | 12,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,731,000 | 789 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-1,205,000 | 12,984 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,249,000 | 6,140 |
| Total interest expense | $1,735,000 | 7,803 |
| Net interest income | $3,514,000 | 4,991 |
| Provision for loan and lease losses | $1,657,000 | 1,311 |
| Total noninterest income | $1,055,000 | 3,175 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,324 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $637,000 | 2,717 |
| Total noninterest expense | $4,666,000 | 3,057 |
| Salaries and employee benefits | $1,858,000 | 3,432 |
| Premises and equipment expense | $858,000 | 2,403 |
| Additional noninterest expense | $1,950,000 | 2,857 |
| Pre-tax net operating income | $-1,754,000 | 13,603 |
| Securities gains (losses) | $35,000 | 4,733 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-1,719,000 | 13,647 |
| Extraordinary gains, net | $-141,000 | 13,694 |
| Net income | $-1,860,000 | 13,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,010,000 | 1,549 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,754,000 | 13,596 |
* 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.