Home > First National Bank, Valparaiso > Income and Expense
First National Bank, Valparaiso, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,756,000 | 1,540 |
| Total interest expense | $3,244,000 | 1,446 |
| Net interest income | $3,512,000 | 1,583 |
| Provision for loan and lease losses | $7,000 | 5,635 |
| Total noninterest income | $625,000 | 1,897 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $278,000 | 1,574 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $347,000 | 1,795 |
| Total noninterest expense | $3,568,000 | 1,335 |
| Salaries and employee benefits | $1,677,000 | 1,586 |
| Premises and equipment expense | $577,000 | 1,196 |
| Additional noninterest expense | $1,314,000 | 1,098 |
| Pre-tax net operating income | $562,000 | 2,843 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $92,000 | 2,892 |
| Income before extraordinary items | $470,000 | 2,838 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $470,000 | 2,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,346 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $470,000 | 2,759 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,939,000 | 2,170 |
| Total interest expense | $9,006,000 | 2,117 |
| Net interest income | $9,933,000 | 2,258 |
| Provision for loan and lease losses | $870,000 | 1,584 |
| Total noninterest income | $1,801,000 | 2,385 |
| Gross Fiduciary activities income | $135,000 | 867 |
| Service charges on deposit accounts | $735,000 | 2,276 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $931,000 | 2,321 |
| Total noninterest expense | $10,342,000 | 1,791 |
| Salaries and employee benefits | $5,637,000 | 1,794 |
| Premises and equipment expense | $1,597,000 | 1,655 |
| Additional noninterest expense | $3,108,000 | 1,781 |
| Pre-tax net operating income | $522,000 | 5,912 |
| Securities gains (losses) | $23,000 | 1,062 |
| Applicable income taxes | $-193,000 | 8,123 |
| Income before extraordinary items | $738,000 | 4,941 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $738,000 | 4,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $477,000 | 1,755 |
| Cash dividends | $400,000 | 4,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $715,000 | 4,992 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,245,000 | 2,681 |
| Total interest expense | $5,407,000 | 2,549 |
| Net interest income | $5,838,000 | 2,807 |
| Provision for loan and lease losses | $136,000 | 3,617 |
| Total noninterest income | $1,043,000 | 2,830 |
| Gross Fiduciary activities income | $135,000 | 821 |
| Service charges on deposit accounts | $420,000 | 2,798 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $488,000 | 2,893 |
| Total noninterest expense | $6,435,000 | 2,113 |
| Salaries and employee benefits | $3,431,000 | 2,201 |
| Premises and equipment expense | $1,022,000 | 1,910 |
| Additional noninterest expense | $1,982,000 | 2,023 |
| Pre-tax net operating income | $310,000 | 6,524 |
| Securities gains (losses) | $23,000 | 791 |
| Applicable income taxes | $-94,000 | 8,233 |
| Income before extraordinary items | $427,000 | 5,689 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $427,000 | 5,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 1,385 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $404,000 | 5,798 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,842,000 | 5,429 |
| Total interest expense | $1,331,000 | 5,123 |
| Net interest income | $1,511,000 | 5,548 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $364,000 | 4,238 |
| Gross Fiduciary activities income | $135,000 | 739 |
| Service charges on deposit accounts | $105,000 | 4,849 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $124,000 | 4,683 |
| Total noninterest expense | $1,569,000 | 4,868 |
| Salaries and employee benefits | $787,000 | 5,185 |
| Premises and equipment expense | $267,000 | 4,182 |
| Additional noninterest expense | $515,000 | 4,483 |
| Pre-tax net operating income | $306,000 | 5,993 |
| Securities gains (losses) | $33,000 | 608 |
| Applicable income taxes | $67,000 | 4,512 |
| Income before extraordinary items | $272,000 | 5,861 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $272,000 | 5,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,525 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $245,600 | 6,032 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,349,000 | 1,274 |
| Total interest expense | $3,583,000 | 1,386 |
| Net interest income | $4,766,000 | 1,186 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $916,000 | 1,393 |
| Gross Fiduciary activities income | $235,000 | 442 |
| Service charges on deposit accounts | $303,000 | 1,413 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $378,000 | 1,658 |
| Total noninterest expense | $4,358,000 | 1,075 |
| Salaries and employee benefits | $2,103,000 | 1,218 |
| Premises and equipment expense | $934,000 | 731 |
| Additional noninterest expense | $1,321,000 | 1,038 |
| Pre-tax net operating income | $1,324,000 | 1,718 |
| Securities gains (losses) | $1,093,000 | 68 |
| Applicable income taxes | $582,000 | 1,145 |
| Income before extraordinary items | $1,835,000 | 958 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,835,000 | 957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,785 |
| Cash dividends | $550,000 | 1,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,004,320 | 1,699 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $33,675,000 | 1,170 |
| Total interest expense | $14,073,000 | 1,192 |
| Net interest income | $19,602,000 | 1,130 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $3,583,000 | 1,404 |
| Gross Fiduciary activities income | $536,000 | 578 |
| Service charges on deposit accounts | $1,354,000 | 1,316 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,693,000 | 1,522 |
| Total noninterest expense | $18,120,000 | 990 |
| Salaries and employee benefits | $8,261,000 | 1,180 |
| Premises and equipment expense | $4,235,000 | 607 |
| Additional noninterest expense | $5,624,000 | 947 |
| Pre-tax net operating income | $5,065,000 | 1,856 |
| Securities gains (losses) | $-3,797,000 | 8,634 |
| Applicable income taxes | $-60,000 | 8,308 |
| Income before extraordinary items | $1,328,000 | 4,046 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,328,000 | 4,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,906 |
| Cash dividends | $1,950,000 | 1,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,125,000 | 1,411 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $25,168,000 | 1,185 |
| Total interest expense | $10,339,000 | 1,187 |
| Net interest income | $14,829,000 | 1,142 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $2,437,000 | 1,517 |
| Gross Fiduciary activities income | $349,000 | 593 |
| Service charges on deposit accounts | $1,010,000 | 1,330 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,078,000 | 1,732 |
| Total noninterest expense | $13,518,000 | 1,000 |
| Salaries and employee benefits | $6,219,000 | 1,191 |
| Premises and equipment expense | $3,193,000 | 608 |
| Additional noninterest expense | $4,106,000 | 972 |
| Pre-tax net operating income | $3,748,000 | 1,940 |
| Securities gains (losses) | $-4,040,000 | 8,713 |
| Applicable income taxes | $-485,000 | 8,687 |
| Income before extraordinary items | $193,000 | 7,261 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $193,000 | 7,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 2,824 |
| Cash dividends | $1,350,000 | 1,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,778,600 | 1,948 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $16,585,000 | 1,173 |
| Total interest expense | $6,655,000 | 1,164 |
| Net interest income | $9,930,000 | 1,133 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,650,000 | 1,508 |
| Gross Fiduciary activities income | $263,000 | 579 |
| Service charges on deposit accounts | $667,000 | 1,330 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $720,000 | 1,729 |
| Total noninterest expense | $9,063,000 | 998 |
| Salaries and employee benefits | $4,152,000 | 1,198 |
| Premises and equipment expense | $2,130,000 | 604 |
| Additional noninterest expense | $2,781,000 | 964 |
| Pre-tax net operating income | $2,517,000 | 1,942 |
| Securities gains (losses) | $-407,000 | 8,684 |
| Applicable income taxes | $517,000 | 2,253 |
| Income before extraordinary items | $1,593,000 | 2,233 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,593,000 | 2,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $850,000 | 1,636 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,898,250 | 1,904 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,257,000 | 1,149 |
| Total interest expense | $3,205,000 | 1,147 |
| Net interest income | $5,052,000 | 1,115 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $905,000 | 1,378 |
| Gross Fiduciary activities income | $180,000 | 505 |
| Service charges on deposit accounts | $324,000 | 1,329 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $401,000 | 1,576 |
| Total noninterest expense | $4,537,000 | 990 |
| Salaries and employee benefits | $2,078,000 | 1,194 |
| Premises and equipment expense | $1,044,000 | 621 |
| Additional noninterest expense | $1,415,000 | 944 |
| Pre-tax net operating income | $1,420,000 | 1,705 |
| Securities gains (losses) | $-53,000 | 8,579 |
| Applicable income taxes | $381,000 | 1,720 |
| Income before extraordinary items | $986,000 | 1,819 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $986,000 | 1,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,493 |
| Cash dividends | $200,000 | 2,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,024,160 | 1,735 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $29,510,000 | 1,118 |
| Total interest expense | $11,097,000 | 1,006 |
| Net interest income | $18,413,000 | 1,164 |
| Provision for loan and lease losses | $250,000 | 3,152 |
| Total noninterest income | $3,074,000 | 1,579 |
| Gross Fiduciary activities income | $472,000 | 597 |
| Service charges on deposit accounts | $1,225,000 | 1,431 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,377,000 | 1,780 |
| Total noninterest expense | $17,753,000 | 959 |
| Salaries and employee benefits | $8,166,000 | 1,138 |
| Premises and equipment expense | $4,211,000 | 578 |
| Additional noninterest expense | $5,376,000 | 968 |
| Pre-tax net operating income | $3,484,000 | 2,464 |
| Securities gains (losses) | $2,527,000 | 124 |
| Applicable income taxes | $1,991,000 | 1,367 |
| Income before extraordinary items | $4,020,000 | 1,739 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,020,000 | 1,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,160 |
| Cash dividends | $2,500,000 | 1,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,326,910 | 2,704 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $21,202,000 | 1,137 |
| Total interest expense | $7,923,000 | 992 |
| Net interest income | $13,279,000 | 1,202 |
| Provision for loan and lease losses | $250,000 | 2,545 |
| Total noninterest income | $2,213,000 | 1,631 |
| Gross Fiduciary activities income | $297,000 | 629 |
| Service charges on deposit accounts | $888,000 | 1,462 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,028,000 | 1,786 |
| Total noninterest expense | $13,099,000 | 965 |
| Salaries and employee benefits | $6,141,000 | 1,121 |
| Premises and equipment expense | $3,091,000 | 589 |
| Additional noninterest expense | $3,867,000 | 993 |
| Pre-tax net operating income | $2,143,000 | 2,902 |
| Securities gains (losses) | $6,405,000 | 65 |
| Applicable income taxes | $2,996,000 | 782 |
| Income before extraordinary items | $5,552,000 | 971 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,552,000 | 972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 1,538 |
| Cash dividends | $1,600,000 | 1,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,388,750 | 3,287 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,978,000 | 1,111 |
| Total interest expense | $5,038,000 | 971 |
| Net interest income | $8,940,000 | 1,183 |
| Provision for loan and lease losses | $250,000 | 1,767 |
| Total noninterest income | $1,438,000 | 1,654 |
| Gross Fiduciary activities income | $221,000 | 613 |
| Service charges on deposit accounts | $548,000 | 1,536 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $669,000 | 1,796 |
| Total noninterest expense | $8,692,000 | 963 |
| Salaries and employee benefits | $4,118,000 | 1,107 |
| Premises and equipment expense | $2,011,000 | 594 |
| Additional noninterest expense | $2,563,000 | 989 |
| Pre-tax net operating income | $1,436,000 | 2,853 |
| Securities gains (losses) | $8,627,000 | 47 |
| Applicable income taxes | $3,605,000 | 489 |
| Income before extraordinary items | $6,458,000 | 573 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,458,000 | 573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 2,115 |
| Cash dividends | $1,050,000 | 1,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $936,720 | 3,201 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,249,000 | 1,046 |
| Total interest expense | $2,450,000 | 955 |
| Net interest income | $4,799,000 | 1,089 |
| Provision for loan and lease losses | $250,000 | 917 |
| Total noninterest income | $763,000 | 1,546 |
| Gross Fiduciary activities income | $146,000 | 553 |
| Service charges on deposit accounts | $258,000 | 1,581 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $359,000 | 1,675 |
| Total noninterest expense | $4,412,000 | 946 |
| Salaries and employee benefits | $2,088,000 | 1,092 |
| Premises and equipment expense | $981,000 | 608 |
| Additional noninterest expense | $1,343,000 | 932 |
| Pre-tax net operating income | $900,000 | 2,358 |
| Securities gains (losses) | $8,631,000 | 25 |
| Applicable income taxes | $3,457,000 | 318 |
| Income before extraordinary items | $6,074,000 | 349 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $6,074,000 | 349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,985 |
| Cash dividends | $500,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $550,160 | 2,755 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $32,793,000 | 850 |
| Total interest expense | $8,497,000 | 961 |
| Net interest income | $24,296,000 | 823 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $2,869,000 | 1,666 |
| Gross Fiduciary activities income | $517,000 | 568 |
| Service charges on deposit accounts | $1,165,000 | 1,511 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,187,000 | 1,921 |
| Total noninterest expense | $16,274,000 | 1,003 |
| Salaries and employee benefits | $7,801,000 | 1,108 |
| Premises and equipment expense | $3,703,000 | 631 |
| Additional noninterest expense | $4,770,000 | 1,050 |
| Pre-tax net operating income | $10,891,000 | 809 |
| Securities gains (losses) | $-4,020,000 | 8,946 |
| Applicable income taxes | $2,397,000 | 1,085 |
| Income before extraordinary items | $4,474,000 | 1,443 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,474,000 | 1,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,458 |
| Cash dividends | $1,950,000 | 1,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $7,087,000 | 885 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $24,515,000 | 838 |
| Total interest expense | $6,243,000 | 954 |
| Net interest income | $18,272,000 | 808 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,029,000 | 1,762 |
| Gross Fiduciary activities income | $317,000 | 616 |
| Service charges on deposit accounts | $881,000 | 1,512 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $831,000 | 2,027 |
| Total noninterest expense | $11,989,000 | 1,017 |
| Salaries and employee benefits | $5,888,000 | 1,094 |
| Premises and equipment expense | $2,505,000 | 692 |
| Additional noninterest expense | $3,596,000 | 1,032 |
| Pre-tax net operating income | $8,312,000 | 800 |
| Securities gains (losses) | $-4,207,000 | 9,007 |
| Applicable income taxes | $1,423,000 | 1,347 |
| Income before extraordinary items | $2,682,000 | 1,791 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,682,000 | 1,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,955 |
| Cash dividends | $1,300,000 | 1,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,416,550 | 876 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $16,098,000 | 848 |
| Total interest expense | $4,105,000 | 956 |
| Net interest income | $11,993,000 | 812 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,356,000 | 1,735 |
| Gross Fiduciary activities income | $240,000 | 584 |
| Service charges on deposit accounts | $585,000 | 1,502 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $531,000 | 2,099 |
| Total noninterest expense | $7,814,000 | 1,024 |
| Salaries and employee benefits | $3,876,000 | 1,105 |
| Premises and equipment expense | $1,656,000 | 702 |
| Additional noninterest expense | $2,282,000 | 1,076 |
| Pre-tax net operating income | $5,535,000 | 791 |
| Securities gains (losses) | $-2,990,000 | 9,060 |
| Applicable income taxes | $862,000 | 1,447 |
| Income before extraordinary items | $1,683,000 | 1,869 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,683,000 | 1,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,637 |
| Cash dividends | $1,000,000 | 1,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,656,400 | 853 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,015,000 | 865 |
| Total interest expense | $2,061,000 | 974 |
| Net interest income | $5,954,000 | 826 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $719,000 | 1,629 |
| Gross Fiduciary activities income | $167,000 | 482 |
| Service charges on deposit accounts | $291,000 | 1,478 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $261,000 | 2,067 |
| Total noninterest expense | $3,932,000 | 1,034 |
| Salaries and employee benefits | $1,922,000 | 1,137 |
| Premises and equipment expense | $802,000 | 738 |
| Additional noninterest expense | $1,208,000 | 1,017 |
| Pre-tax net operating income | $2,741,000 | 798 |
| Securities gains (losses) | $484,000 | 269 |
| Applicable income taxes | $1,143,000 | 662 |
| Income before extraordinary items | $2,082,000 | 801 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,082,000 | 800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,807 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,767,400 | 874 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $34,543,000 | 824 |
| Total interest expense | $8,991,000 | 991 |
| Net interest income | $25,552,000 | 746 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $4,343,000 | 1,257 |
| Gross Fiduciary activities income | $434,000 | 614 |
| Service charges on deposit accounts | $1,280,000 | 1,350 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,629,000 | 1,188 |
| Total noninterest expense | $16,051,000 | 1,022 |
| Salaries and employee benefits | $7,943,000 | 1,063 |
| Premises and equipment expense | $3,507,000 | 650 |
| Additional noninterest expense | $4,601,000 | 1,100 |
| Pre-tax net operating income | $13,844,000 | 645 |
| Securities gains (losses) | $4,375,000 | 174 |
| Applicable income taxes | $6,550,000 | 498 |
| Income before extraordinary items | $11,669,000 | 586 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $11,669,000 | 587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $3,300,000 | 910 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $8,869,000 | 682 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $26,313,000 | 832 |
| Total interest expense | $6,859,000 | 1,019 |
| Net interest income | $19,454,000 | 734 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $2,278,000 | 1,713 |
| Gross Fiduciary activities income | $316,000 | 624 |
| Service charges on deposit accounts | $952,000 | 1,371 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,010,000 | 2,033 |
| Total noninterest expense | $11,893,000 | 1,040 |
| Salaries and employee benefits | $5,981,000 | 1,070 |
| Premises and equipment expense | $2,634,000 | 659 |
| Additional noninterest expense | $3,278,000 | 1,156 |
| Pre-tax net operating income | $9,839,000 | 696 |
| Securities gains (losses) | $4,849,000 | 161 |
| Applicable income taxes | $5,284,000 | 486 |
| Income before extraordinary items | $9,404,000 | 572 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $9,404,000 | 571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,943 |
| Cash dividends | $1,750,000 | 1,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $6,300,640 | 752 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $17,361,000 | 843 |
| Total interest expense | $4,627,000 | 1,036 |
| Net interest income | $12,734,000 | 754 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,578,000 | 1,657 |
| Gross Fiduciary activities income | $242,000 | 578 |
| Service charges on deposit accounts | $633,000 | 1,352 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $703,000 | 1,958 |
| Total noninterest expense | $7,649,000 | 1,066 |
| Salaries and employee benefits | $3,810,000 | 1,117 |
| Premises and equipment expense | $1,722,000 | 678 |
| Additional noninterest expense | $2,117,000 | 1,189 |
| Pre-tax net operating income | $6,663,000 | 687 |
| Securities gains (losses) | $5,119,000 | 140 |
| Applicable income taxes | $4,260,000 | 428 |
| Income before extraordinary items | $7,522,000 | 503 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,522,000 | 503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,795 |
| Cash dividends | $1,350,000 | 1,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,245,840 | 734 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,714,000 | 844 |
| Total interest expense | $2,305,000 | 1,069 |
| Net interest income | $6,409,000 | 743 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $748,000 | 1,678 |
| Gross Fiduciary activities income | $165,000 | 490 |
| Service charges on deposit accounts | $308,000 | 1,352 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $275,000 | 2,235 |
| Total noninterest expense | $3,780,000 | 1,064 |
| Salaries and employee benefits | $1,916,000 | 1,099 |
| Premises and equipment expense | $849,000 | 684 |
| Additional noninterest expense | $1,015,000 | 1,207 |
| Pre-tax net operating income | $3,377,000 | 675 |
| Securities gains (losses) | $4,438,000 | 89 |
| Applicable income taxes | $2,904,000 | 356 |
| Income before extraordinary items | $4,911,000 | 394 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,911,000 | 394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $850,000 | 791 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,070,680 | 752 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,377,000 | 912 |
| Total interest expense | $10,132,000 | 1,106 |
| Net interest income | $23,245,000 | 824 |
| Provision for loan and lease losses | $545,000 | 2,239 |
| Total noninterest income | $3,411,000 | 1,416 |
| Gross Fiduciary activities income | $445,000 | 613 |
| Service charges on deposit accounts | $1,246,000 | 1,304 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,720,000 | 1,480 |
| Total noninterest expense | $14,861,000 | 1,044 |
| Salaries and employee benefits | $7,068,000 | 1,135 |
| Premises and equipment expense | $3,175,000 | 698 |
| Additional noninterest expense | $4,618,000 | 1,070 |
| Pre-tax net operating income | $11,250,000 | 774 |
| Securities gains (losses) | $2,029,000 | 280 |
| Applicable income taxes | $4,692,000 | 631 |
| Income before extraordinary items | $8,587,000 | 740 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $8,587,000 | 741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 4,128 |
| Cash dividends | $2,100,000 | 1,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $7,268,150 | 831 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $31,725,000 | 1,075 |
| Total interest expense | $12,868,000 | 1,262 |
| Net interest income | $18,857,000 | 946 |
| Provision for loan and lease losses | $350,000 | 2,901 |
| Total noninterest income | $3,126,000 | 1,433 |
| Gross Fiduciary activities income | $334,000 | 699 |
| Service charges on deposit accounts | $1,211,000 | 1,233 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,581,000 | 1,468 |
| Total noninterest expense | $14,212,000 | 1,042 |
| Salaries and employee benefits | $6,695,000 | 1,109 |
| Premises and equipment expense | $3,070,000 | 700 |
| Additional noninterest expense | $4,447,000 | 1,071 |
| Pre-tax net operating income | $7,421,000 | 1,007 |
| Securities gains (losses) | $2,532,000 | 214 |
| Applicable income taxes | $3,278,000 | 778 |
| Income before extraordinary items | $6,675,000 | 826 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,675,000 | 828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,516 |
| Cash dividends | $1,450,000 | 1,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,978,560 | 1,058 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $29,894,000 | 1,179 |
| Total interest expense | $13,160,000 | 1,319 |
| Net interest income | $16,734,000 | 1,049 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $3,006,000 | 1,349 |
| Gross Fiduciary activities income | $646,000 | 521 |
| Service charges on deposit accounts | $1,071,000 | 1,264 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,289,000 | 1,569 |
| Total noninterest expense | $12,706,000 | 1,095 |
| Salaries and employee benefits | $6,106,000 | 1,159 |
| Premises and equipment expense | $2,897,000 | 718 |
| Additional noninterest expense | $3,703,000 | 1,234 |
| Pre-tax net operating income | $7,034,000 | 1,077 |
| Securities gains (losses) | $-2,858,000 | 9,812 |
| Applicable income taxes | $979,000 | 2,162 |
| Income before extraordinary items | $3,197,000 | 1,644 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,197,000 | 1,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,985 |
| Cash dividends | $1,400,000 | 1,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,397,660 | 988 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $26,796,000 | 1,219 |
| Total interest expense | $11,340,000 | 1,325 |
| Net interest income | $15,456,000 | 1,137 |
| Provision for loan and lease losses | $104,000 | 5,140 |
| Total noninterest income | $3,243,000 | 1,268 |
| Gross Fiduciary activities income | $485,000 | 650 |
| Service charges on deposit accounts | $1,069,000 | 1,240 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,689,000 | 1,299 |
| Total noninterest expense | $12,152,000 | 1,133 |
| Salaries and employee benefits | $5,789,000 | 1,193 |
| Premises and equipment expense | $2,624,000 | 782 |
| Additional noninterest expense | $3,739,000 | 1,231 |
| Pre-tax net operating income | $6,443,000 | 1,192 |
| Securities gains (losses) | $-402,000 | 10,096 |
| Applicable income taxes | $1,968,000 | 1,248 |
| Income before extraordinary items | $4,073,000 | 1,331 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,073,000 | 1,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,365 |
| Cash dividends | $3,300,000 | 899 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,342,340 | 1,236 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $26,403,000 | 1,230 |
| Total interest expense | $12,341,000 | 1,264 |
| Net interest income | $14,062,000 | 1,205 |
| Provision for loan and lease losses | $329,000 | 2,418 |
| Total noninterest income | $2,870,000 | 1,393 |
| Gross Fiduciary activities income | $476,000 | 652 |
| Service charges on deposit accounts | $1,125,000 | 1,121 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,269,000 | 1,567 |
| Total noninterest expense | $10,865,000 | 1,220 |
| Salaries and employee benefits | $5,345,000 | 1,234 |
| Premises and equipment expense | $2,281,000 | 857 |
| Additional noninterest expense | $3,239,000 | 1,360 |
| Pre-tax net operating income | $5,738,000 | 1,307 |
| Securities gains (losses) | $1,738,000 | 259 |
| Applicable income taxes | $2,466,000 | 1,033 |
| Income before extraordinary items | $5,010,000 | 1,077 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,010,000 | 1,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,411 |
| Cash dividends | $1,250,000 | 1,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,845,540 | 1,323 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,434,000 | 1,359 |
| Total interest expense | $11,394,000 | 1,384 |
| Net interest income | $13,040,000 | 1,330 |
| Provision for loan and lease losses | $555,000 | 1,641 |
| Total noninterest income | $2,794,000 | 1,352 |
| Gross Fiduciary activities income | $442,000 | 693 |
| Service charges on deposit accounts | $1,085,000 | 1,165 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,267,000 | 1,492 |
| Total noninterest expense | $10,226,000 | 1,296 |
| Salaries and employee benefits | $5,169,000 | 1,273 |
| Premises and equipment expense | $1,989,000 | 996 |
| Additional noninterest expense | $3,068,000 | 1,416 |
| Pre-tax net operating income | $5,053,000 | 1,535 |
| Securities gains (losses) | $976,000 | 283 |
| Applicable income taxes | $2,026,000 | 1,315 |
| Income before extraordinary items | $4,003,000 | 1,373 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,003,000 | 1,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $580,000 | 1,192 |
| Cash dividends | $1,600,000 | 1,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,358,840 | 1,573 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $23,697,000 | 1,434 |
| Total interest expense | $10,834,000 | 1,490 |
| Net interest income | $12,863,000 | 1,394 |
| Provision for loan and lease losses | $121,000 | 4,559 |
| Total noninterest income | $2,601,000 | 1,503 |
| Gross Fiduciary activities income | $455,000 | 733 |
| Service charges on deposit accounts | $1,038,000 | 1,288 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,108,000 | 1,690 |
| Total noninterest expense | $9,701,000 | 1,474 |
| Salaries and employee benefits | $5,024,000 | 1,338 |
| Premises and equipment expense | $1,828,000 | 1,149 |
| Additional noninterest expense | $2,849,000 | 1,820 |
| Pre-tax net operating income | $5,642,000 | 1,270 |
| Securities gains (losses) | $1,100,000 | 240 |
| Applicable income taxes | $2,306,000 | 1,080 |
| Income before extraordinary items | $4,436,000 | 1,152 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,436,000 | 1,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,754 |
| Cash dividends | $1,220,000 | 1,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,710,000 | 1,305 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $22,441,000 | 1,516 |
| Total interest expense | $9,804,000 | 1,621 |
| Net interest income | $12,637,000 | 1,421 |
| Provision for loan and lease losses | $315,000 | 2,210 |
| Total noninterest income | $2,601,000 | 1,497 |
| Gross Fiduciary activities income | $464,000 | 762 |
| Service charges on deposit accounts | $1,094,000 | 1,220 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,043,000 | 1,756 |
| Total noninterest expense | $9,863,000 | 1,440 |
| Salaries and employee benefits | $4,905,000 | 1,353 |
| Premises and equipment expense | $1,659,000 | 1,253 |
| Additional noninterest expense | $3,299,000 | 1,564 |
| Pre-tax net operating income | $5,060,000 | 1,490 |
| Securities gains (losses) | $-1,260,000 | 11,879 |
| Applicable income taxes | $1,163,000 | 2,081 |
| Income before extraordinary items | $2,637,000 | 1,898 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,637,000 | 1,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,132 |
| Cash dividends | $800,000 | 2,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,506,400 | 1,445 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $21,083,000 | 1,466 |
| Total interest expense | $8,081,000 | 1,577 |
| Net interest income | $13,002,000 | 1,377 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $3,323,000 | 1,263 |
| Gross Fiduciary activities income | $426,000 | 788 |
| Service charges on deposit accounts | $1,122,000 | 1,178 |
| Trading account gains and fees | $52,000 | 277 |
| Additional Noninterest Income | $1,723,000 | 1,252 |
| Total noninterest expense | $9,678,000 | 1,524 |
| Salaries and employee benefits | $4,512,000 | 1,488 |
| Premises and equipment expense | $1,540,000 | 1,356 |
| Additional noninterest expense | $3,626,000 | 1,536 |
| Pre-tax net operating income | $6,622,000 | 1,147 |
| Securities gains (losses) | $-1,810,000 | 12,468 |
| Applicable income taxes | $1,557,000 | 1,504 |
| Income before extraordinary items | $3,255,000 | 1,512 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,255,000 | 1,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,574 |
| Cash dividends | $3,343,000 | 746 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,485,800 | 1,139 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,305,000 | 1,542 |
| Total interest expense | $7,745,000 | 1,704 |
| Net interest income | $12,560,000 | 1,448 |
| Provision for loan and lease losses | $411,000 | 2,416 |
| Total noninterest income | $2,146,000 | 1,868 |
| Gross Fiduciary activities income | $341,000 | 899 |
| Service charges on deposit accounts | $1,062,000 | 1,277 |
| Trading account gains and fees | $-121,000 | 5,124 |
| Additional Noninterest Income | $864,000 | 2,267 |
| Total noninterest expense | $9,797,000 | 1,548 |
| Salaries and employee benefits | $4,509,000 | 1,507 |
| Premises and equipment expense | $1,454,000 | 1,458 |
| Additional noninterest expense | $3,834,000 | 1,577 |
| Pre-tax net operating income | $4,498,000 | 1,556 |
| Securities gains (losses) | $2,997,000 | 236 |
| Applicable income taxes | $2,638,000 | 957 |
| Income before extraordinary items | $4,857,000 | 1,073 |
| Extraordinary gains, net | $234,000 | 891 |
| Net income | $5,091,000 | 1,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 4,211 |
| Cash dividends | $725,000 | 2,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,908,950 | 1,630 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,379,000 | 1,742 |
| Total interest expense | $9,364,000 | 1,809 |
| Net interest income | $11,015,000 | 1,673 |
| Provision for loan and lease losses | $310,000 | 4,033 |
| Total noninterest income | $1,946,000 | 1,969 |
| Gross Fiduciary activities income | $345,000 | 897 |
| Service charges on deposit accounts | $950,000 | 1,410 |
| Trading account gains and fees | $22,000 | 366 |
| Additional Noninterest Income | $629,000 | 2,739 |
| Total noninterest expense | $8,820,000 | 1,719 |
| Salaries and employee benefits | $4,377,000 | 1,514 |
| Premises and equipment expense | $1,304,000 | 1,637 |
| Additional noninterest expense | $3,139,000 | 1,927 |
| Pre-tax net operating income | $3,831,000 | 1,628 |
| Securities gains (losses) | $2,897,000 | 317 |
| Applicable income taxes | $2,387,000 | 970 |
| Income before extraordinary items | $4,341,000 | 1,087 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,341,000 | 1,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 4,645 |
| Cash dividends | $2,990,000 | 601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,457,950 | 1,701 |
* 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.