Home > First National Exchange Bank > Income and Expense
First National Exchange Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,016,000 | 3,372 |
| Total interest expense | $4,048,000 | 2,749 |
| Net interest income | $3,968,000 | 3,874 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $484,000 | 4,560 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $291,000 | 3,630 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $193,000 | 4,599 |
| Total noninterest expense | $3,991,000 | 3,177 |
| Salaries and employee benefits | $2,253,000 | 3,118 |
| Premises and equipment expense | $631,000 | 2,879 |
| Additional noninterest expense | $1,107,000 | 3,342 |
| Pre-tax net operating income | $416,000 | 6,544 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-5,000 | 8,396 |
| Income before extraordinary items | $421,000 | 6,132 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $421,000 | 6,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 8,408 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $421,000 | 6,129 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,236,000 | 3,378 |
| Total interest expense | $2,604,000 | 2,722 |
| Net interest income | $2,632,000 | 3,903 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $330,000 | 4,494 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $187,000 | 3,697 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $143,000 | 4,389 |
| Total noninterest expense | $2,659,000 | 3,180 |
| Salaries and employee benefits | $1,493,000 | 3,130 |
| Premises and equipment expense | $419,000 | 2,886 |
| Additional noninterest expense | $747,000 | 3,306 |
| Pre-tax net operating income | $273,000 | 6,626 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-10,000 | 8,487 |
| Income before extraordinary items | $283,000 | 6,140 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $283,000 | 6,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,374 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $283,000 | 6,141 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,555,000 | 3,383 |
| Total interest expense | $1,275,000 | 2,679 |
| Net interest income | $1,280,000 | 3,980 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $175,000 | 4,277 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $81,000 | 3,912 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $94,000 | 3,842 |
| Total noninterest expense | $1,324,000 | 3,208 |
| Salaries and employee benefits | $749,000 | 3,152 |
| Premises and equipment expense | $209,000 | 2,915 |
| Additional noninterest expense | $366,000 | 3,352 |
| Pre-tax net operating income | $116,000 | 6,862 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-10,000 | 8,526 |
| Income before extraordinary items | $126,000 | 6,317 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $126,000 | 6,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,248 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $126,000 | 6,314 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,650,000 | 2,986 |
| Total interest expense | $4,984,000 | 2,201 |
| Net interest income | $5,666,000 | 3,591 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $703,000 | 4,366 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $371,000 | 3,726 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $332,000 | 4,125 |
| Total noninterest expense | $5,285,000 | 3,086 |
| Salaries and employee benefits | $2,972,000 | 2,991 |
| Premises and equipment expense | $843,000 | 2,758 |
| Additional noninterest expense | $1,470,000 | 3,276 |
| Pre-tax net operating income | $964,000 | 5,450 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $148,000 | 5,008 |
| Income before extraordinary items | $816,000 | 5,300 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $816,000 | 5,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,481 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $816,000 | 5,276 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,012,000 | 2,931 |
| Total interest expense | $3,703,000 | 2,117 |
| Net interest income | $4,309,000 | 3,536 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $466,000 | 4,733 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $275,000 | 3,757 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $191,000 | 4,701 |
| Total noninterest expense | $3,894,000 | 3,100 |
| Salaries and employee benefits | $2,197,000 | 2,992 |
| Premises and equipment expense | $631,000 | 2,748 |
| Additional noninterest expense | $1,066,000 | 3,339 |
| Pre-tax net operating income | $791,000 | 5,358 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $135,000 | 4,932 |
| Income before extraordinary items | $656,000 | 5,242 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $656,000 | 5,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,946 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $656,000 | 5,203 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,285,000 | 2,889 |
| Total interest expense | $2,406,000 | 2,060 |
| Net interest income | $2,879,000 | 3,513 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $328,000 | 4,550 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $261,000 | 2,913 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $67,000 | 5,953 |
| Total noninterest expense | $2,589,000 | 3,090 |
| Salaries and employee benefits | $1,455,000 | 3,004 |
| Premises and equipment expense | $422,000 | 2,702 |
| Additional noninterest expense | $712,000 | 3,328 |
| Pre-tax net operating income | $558,000 | 5,189 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $100,000 | 4,812 |
| Income before extraordinary items | $458,000 | 5,106 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $458,000 | 5,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,405 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $458,000 | 5,057 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,625,000 | 2,871 |
| Total interest expense | $1,164,000 | 2,024 |
| Net interest income | $1,461,000 | 3,474 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $177,000 | 4,299 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $143,000 | 2,665 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,945 |
| Total noninterest expense | $1,290,000 | 3,112 |
| Salaries and employee benefits | $727,000 | 3,016 |
| Premises and equipment expense | $207,000 | 2,792 |
| Additional noninterest expense | $356,000 | 3,320 |
| Pre-tax net operating income | $318,000 | 4,838 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $60,000 | 4,523 |
| Income before extraordinary items | $258,000 | 4,778 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $258,000 | 4,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 1,867 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $258,000 | 4,741 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,649,000 | 2,465 |
| Total interest expense | $4,936,000 | 1,656 |
| Net interest income | $6,713,000 | 3,008 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $790,000 | 4,087 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $582,000 | 2,774 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $208,000 | 5,029 |
| Total noninterest expense | $5,018,000 | 3,110 |
| Salaries and employee benefits | $2,810,000 | 3,018 |
| Premises and equipment expense | $763,000 | 2,912 |
| Additional noninterest expense | $1,445,000 | 3,216 |
| Pre-tax net operating income | $2,365,000 | 3,144 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $538,000 | 3,223 |
| Income before extraordinary items | $1,827,000 | 3,152 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,827,000 | 3,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,989 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,827,000 | 3,088 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,990,000 | 2,363 |
| Total interest expense | $3,734,000 | 1,615 |
| Net interest income | $5,256,000 | 2,856 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $518,000 | 4,430 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $404,000 | 2,987 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $114,000 | 5,670 |
| Total noninterest expense | $3,720,000 | 3,112 |
| Salaries and employee benefits | $2,067,000 | 3,047 |
| Premises and equipment expense | $590,000 | 2,821 |
| Additional noninterest expense | $1,063,000 | 3,242 |
| Pre-tax net operating income | $1,964,000 | 2,926 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $510,000 | 2,861 |
| Income before extraordinary items | $1,454,000 | 3,029 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,454,000 | 3,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,418 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,454,000 | 2,957 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,139,000 | 2,293 |
| Total interest expense | $2,518,000 | 1,576 |
| Net interest income | $3,621,000 | 2,756 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $354,000 | 4,396 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $279,000 | 2,869 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $75,000 | 5,718 |
| Total noninterest expense | $2,473,000 | 3,134 |
| Salaries and employee benefits | $1,371,000 | 3,079 |
| Premises and equipment expense | $397,000 | 2,807 |
| Additional noninterest expense | $705,000 | 3,284 |
| Pre-tax net operating income | $1,442,000 | 2,667 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $375,000 | 2,674 |
| Income before extraordinary items | $1,067,000 | 2,782 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,067,000 | 2,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,680 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,067,000 | 2,706 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,089,000 | 2,279 |
| Total interest expense | $1,280,000 | 1,568 |
| Net interest income | $1,809,000 | 2,741 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $185,000 | 4,244 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $147,000 | 2,717 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $38,000 | 5,668 |
| Total noninterest expense | $1,245,000 | 3,107 |
| Salaries and employee benefits | $689,000 | 3,071 |
| Premises and equipment expense | $197,000 | 2,852 |
| Additional noninterest expense | $359,000 | 3,217 |
| Pre-tax net operating income | $719,000 | 2,651 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $185,000 | 2,701 |
| Income before extraordinary items | $534,000 | 2,781 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $534,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $534,000 | 2,685 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,222,000 | 1,994 |
| Total interest expense | $6,510,000 | 1,365 |
| Net interest income | $7,712,000 | 2,502 |
| Provision for loan and lease losses | $898,000 | 1,332 |
| Total noninterest income | $819,000 | 4,183 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $650,000 | 2,525 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $169,000 | 5,608 |
| Total noninterest expense | $5,021,000 | 3,040 |
| Salaries and employee benefits | $2,733,000 | 3,018 |
| Premises and equipment expense | $764,000 | 2,868 |
| Additional noninterest expense | $1,524,000 | 3,034 |
| Pre-tax net operating income | $2,612,000 | 2,793 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $750,000 | 2,655 |
| Income before extraordinary items | $1,862,000 | 3,027 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,862,000 | 3,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,437 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-16,000 | 9,078 |
| Net operating income | $1,862,000 | 2,901 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,801,000 | 1,998 |
| Total interest expense | $5,078,000 | 1,363 |
| Net interest income | $5,723,000 | 2,545 |
| Provision for loan and lease losses | $868,000 | 1,020 |
| Total noninterest income | $611,000 | 4,244 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $506,000 | 2,446 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $105,000 | 5,986 |
| Total noninterest expense | $3,712,000 | 3,063 |
| Salaries and employee benefits | $1,965,000 | 3,145 |
| Premises and equipment expense | $573,000 | 2,877 |
| Additional noninterest expense | $1,174,000 | 2,943 |
| Pre-tax net operating income | $1,754,000 | 3,132 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $500,000 | 3,032 |
| Income before extraordinary items | $1,254,000 | 3,379 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,254,000 | 3,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,610 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,254,000 | 3,214 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,361,000 | 1,975 |
| Total interest expense | $3,477,000 | 1,387 |
| Net interest income | $3,884,000 | 2,503 |
| Provision for loan and lease losses | $812,000 | 753 |
| Total noninterest income | $414,000 | 4,168 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $343,000 | 2,380 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $71,000 | 5,964 |
| Total noninterest expense | $2,467,000 | 3,079 |
| Salaries and employee benefits | $1,296,000 | 3,151 |
| Premises and equipment expense | $387,000 | 2,851 |
| Additional noninterest expense | $784,000 | 2,912 |
| Pre-tax net operating income | $1,019,000 | 3,484 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $540,000 | 2,213 |
| Income before extraordinary items | $479,000 | 4,911 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $479,000 | 4,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 3,357 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $479,000 | 4,697 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,572,000 | 2,052 |
| Total interest expense | $1,779,000 | 1,379 |
| Net interest income | $1,793,000 | 2,694 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $202,000 | 4,139 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $167,000 | 2,371 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $35,000 | 5,938 |
| Total noninterest expense | $1,244,000 | 3,047 |
| Salaries and employee benefits | $653,000 | 3,127 |
| Premises and equipment expense | $197,000 | 2,795 |
| Additional noninterest expense | $394,000 | 2,898 |
| Pre-tax net operating income | $721,000 | 2,679 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $210,000 | 2,601 |
| Income before extraordinary items | $511,000 | 2,898 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $511,000 | 2,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $511,000 | 2,756 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,651,000 | 1,850 |
| Total interest expense | $8,790,000 | 1,275 |
| Net interest income | $7,861,000 | 2,439 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $776,000 | 4,072 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $637,000 | 2,457 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $139,000 | 5,767 |
| Total noninterest expense | $5,148,000 | 2,854 |
| Salaries and employee benefits | $2,620,000 | 2,996 |
| Premises and equipment expense | $773,000 | 2,751 |
| Additional noninterest expense | $1,755,000 | 2,596 |
| Pre-tax net operating income | $3,369,000 | 2,276 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,033,000 | 2,163 |
| Income before extraordinary items | $2,336,000 | 2,475 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,336,000 | 2,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,742 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $-17,000 | 9,220 |
| Net operating income | $2,336,000 | 2,390 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,930,000 | 2,022 |
| Total interest expense | $12,349,000 | 1,320 |
| Net interest income | $4,581,000 | 3,693 |
| Provision for loan and lease losses | $72,000 | 6,148 |
| Total noninterest income | $587,000 | 4,641 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $524,000 | 2,741 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $63,000 | 7,311 |
| Total noninterest expense | $4,387,000 | 3,150 |
| Salaries and employee benefits | $2,329,000 | 3,146 |
| Premises and equipment expense | $585,000 | 3,435 |
| Additional noninterest expense | $1,473,000 | 2,920 |
| Pre-tax net operating income | $709,000 | 5,783 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $130,000 | 5,658 |
| Income before extraordinary items | $579,000 | 5,721 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $579,000 | 5,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,947 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 9,455 |
| Net operating income | $579,000 | 5,590 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,631,000 | 2,556 |
| Total interest expense | $9,438,000 | 1,828 |
| Net interest income | $4,193,000 | 4,020 |
| Provision for loan and lease losses | $72,000 | 5,921 |
| Total noninterest income | $493,000 | 4,954 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $299,000 | 4,068 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $194,000 | 4,870 |
| Total noninterest expense | $3,475,000 | 3,727 |
| Salaries and employee benefits | $1,850,000 | 3,693 |
| Premises and equipment expense | $452,000 | 4,118 |
| Additional noninterest expense | $1,173,000 | 3,500 |
| Pre-tax net operating income | $1,139,000 | 4,879 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $321,000 | 4,445 |
| Income before extraordinary items | $818,000 | 4,981 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $818,000 | 4,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,623 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,810,000 | 309 |
| Net operating income | $818,000 | 4,976 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,946,000 | 2,709 |
| Total interest expense | $8,169,000 | 1,823 |
| Net interest income | $3,777,000 | 4,384 |
| Provision for loan and lease losses | $72,000 | 5,852 |
| Total noninterest income | $402,000 | 5,600 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $254,000 | 4,479 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $148,000 | 5,639 |
| Total noninterest expense | $2,935,000 | 4,291 |
| Salaries and employee benefits | $1,547,000 | 4,223 |
| Premises and equipment expense | $326,000 | 5,213 |
| Additional noninterest expense | $1,062,000 | 3,823 |
| Pre-tax net operating income | $1,172,000 | 4,831 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $347,000 | 4,496 |
| Income before extraordinary items | $825,000 | 5,006 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $825,000 | 5,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,247 |
| Cash dividends | $172,000 | 5,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $825,000 | 4,976 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,431,000 | 4,722 |
| Total interest expense | $4,301,000 | 3,445 |
| Net interest income | $2,130,000 | 6,433 |
| Provision for loan and lease losses | $18,000 | 7,833 |
| Total noninterest income | $142,000 | 8,349 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $108,000 | 6,714 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $34,000 | 8,816 |
| Total noninterest expense | $1,436,000 | 6,865 |
| Salaries and employee benefits | $694,000 | 7,217 |
| Premises and equipment expense | $141,000 | 7,860 |
| Additional noninterest expense | $601,000 | 5,753 |
| Pre-tax net operating income | $818,000 | 6,023 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $256,000 | 5,584 |
| Income before extraordinary items | $562,000 | 6,256 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $562,000 | 6,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,956 |
| Cash dividends | $173,000 | 5,604 |
| Sale, conversion, retirement of capital stock, net | $7,525,000 | 148 |
| Net operating income | $562,000 | 6,140 |
* 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.