Home > Fort Knox National Bank > Income and Expense
Fort Knox National Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $476,000 | 7,754 |
| Total interest expense | $190,000 | 7,660 |
| Net interest income | $286,000 | 7,713 |
| Provision for loan and lease losses | $3,000 | 5,535 |
| Total noninterest income | $116,000 | 5,203 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $44,000 | 5,130 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $72,000 | 4,403 |
| Total noninterest expense | $359,000 | 7,075 |
| Salaries and employee benefits | $138,000 | 7,746 |
| Premises and equipment expense | $38,000 | 7,268 |
| Additional noninterest expense | $183,000 | 5,540 |
| Pre-tax net operating income | $40,000 | 7,414 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $40,000 | 7,298 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $40,000 | 7,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $10,000 | 3,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $40,000 | 7,291 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,855,000 | 7,659 |
| Total interest expense | $604,000 | 7,697 |
| Net interest income | $1,251,000 | 7,512 |
| Provision for loan and lease losses | $12,000 | 6,496 |
| Total noninterest income | $814,000 | 4,009 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $191,000 | 5,080 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $623,000 | 2,947 |
| Total noninterest expense | $1,778,000 | 6,477 |
| Salaries and employee benefits | $769,000 | 7,062 |
| Premises and equipment expense | $180,000 | 6,924 |
| Additional noninterest expense | $829,000 | 5,130 |
| Pre-tax net operating income | $275,000 | 7,183 |
| Securities gains (losses) | $15,000 | 981 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $290,000 | 6,954 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $290,000 | 6,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $205,000 | 4,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $275,000 | 7,007 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,391,000 | 7,716 |
| Total interest expense | $462,000 | 7,691 |
| Net interest income | $929,000 | 7,596 |
| Provision for loan and lease losses | $9,000 | 6,392 |
| Total noninterest income | $653,000 | 3,856 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $147,000 | 5,073 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $506,000 | 2,829 |
| Total noninterest expense | $1,285,000 | 6,580 |
| Salaries and employee benefits | $617,000 | 6,875 |
| Premises and equipment expense | $135,000 | 6,956 |
| Additional noninterest expense | $533,000 | 5,582 |
| Pre-tax net operating income | $288,000 | 7,053 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $288,000 | 6,782 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $288,000 | 6,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $40,000 | 5,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $288,000 | 6,781 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $918,000 | 7,745 |
| Total interest expense | $302,000 | 7,690 |
| Net interest income | $616,000 | 7,643 |
| Provision for loan and lease losses | $6,000 | 6,150 |
| Total noninterest income | $389,000 | 4,106 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $74,000 | 5,610 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $315,000 | 2,925 |
| Total noninterest expense | $890,000 | 6,505 |
| Salaries and employee benefits | $427,000 | 6,818 |
| Premises and equipment expense | $105,000 | 6,661 |
| Additional noninterest expense | $358,000 | 5,543 |
| Pre-tax net operating income | $109,000 | 7,636 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $109,000 | 7,466 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $109,000 | 7,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $40,000 | 4,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $109,000 | 7,469 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $437,000 | 7,824 |
| Total interest expense | $144,000 | 7,727 |
| Net interest income | $293,000 | 7,753 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $168,000 | 4,368 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $35,000 | 5,651 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $133,000 | 3,200 |
| Total noninterest expense | $459,000 | 6,414 |
| Salaries and employee benefits | $226,000 | 6,695 |
| Premises and equipment expense | $52,000 | 6,673 |
| Additional noninterest expense | $181,000 | 5,491 |
| Pre-tax net operating income | $-1,000 | 8,217 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-1,000 | 8,209 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,000 | 8,210 |
| 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 | $-1,000 | 8,199 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,617,000 | 7,782 |
| Total interest expense | $493,000 | 7,637 |
| Net interest income | $1,124,000 | 7,777 |
| Provision for loan and lease losses | $12,000 | 6,720 |
| Total noninterest income | $728,000 | 4,271 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $134,000 | 5,828 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $594,000 | 3,074 |
| Total noninterest expense | $1,698,000 | 6,568 |
| Salaries and employee benefits | $913,000 | 6,598 |
| Premises and equipment expense | $182,000 | 6,928 |
| Additional noninterest expense | $603,000 | 6,042 |
| Pre-tax net operating income | $142,000 | 7,862 |
| Securities gains (losses) | $38,000 | 1,020 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $180,000 | 7,669 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $180,000 | 7,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,288 |
| Cash dividends | $161,000 | 5,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $142,000 | 7,787 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,189,000 | 7,833 |
| Total interest expense | $339,000 | 7,732 |
| Net interest income | $850,000 | 7,812 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $555,000 | 4,247 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $99,000 | 5,878 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $456,000 | 3,043 |
| Total noninterest expense | $1,264,000 | 6,596 |
| Salaries and employee benefits | $692,000 | 6,575 |
| Premises and equipment expense | $132,000 | 6,975 |
| Additional noninterest expense | $440,000 | 6,089 |
| Pre-tax net operating income | $132,000 | 7,889 |
| Securities gains (losses) | $22,000 | 1,196 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $154,000 | 7,693 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $154,000 | 7,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,463 |
| Cash dividends | $111,000 | 4,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $132,000 | 7,757 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $778,000 | 7,852 |
| Total interest expense | $208,000 | 7,783 |
| Net interest income | $570,000 | 7,818 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $366,000 | 4,255 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $62,000 | 5,950 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $304,000 | 3,029 |
| Total noninterest expense | $839,000 | 6,617 |
| Salaries and employee benefits | $465,000 | 6,551 |
| Premises and equipment expense | $86,000 | 7,006 |
| Additional noninterest expense | $288,000 | 6,123 |
| Pre-tax net operating income | $91,000 | 7,889 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $91,000 | 7,804 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $91,000 | 7,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $91,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $91,000 | 7,761 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $365,000 | 8,005 |
| Total interest expense | $89,000 | 7,975 |
| Net interest income | $276,000 | 7,933 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $174,000 | 4,331 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $27,000 | 6,147 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $147,000 | 3,014 |
| Total noninterest expense | $409,000 | 6,710 |
| Salaries and employee benefits | $231,000 | 6,603 |
| Premises and equipment expense | $43,000 | 7,087 |
| Additional noninterest expense | $135,000 | 6,349 |
| Pre-tax net operating income | $38,000 | 8,047 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $38,000 | 7,964 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $38,000 | 7,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $41,000 | 3,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $38,000 | 7,937 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,510,000 | 7,883 |
| Total interest expense | $333,000 | 7,943 |
| Net interest income | $1,177,000 | 7,773 |
| Provision for loan and lease losses | $13,000 | 6,922 |
| Total noninterest income | $797,000 | 4,055 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $147,000 | 5,822 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $650,000 | 2,845 |
| Total noninterest expense | $1,606,000 | 6,697 |
| Salaries and employee benefits | $893,000 | 6,633 |
| Premises and equipment expense | $164,000 | 7,181 |
| Additional noninterest expense | $549,000 | 6,282 |
| Pre-tax net operating income | $355,000 | 7,260 |
| Securities gains (losses) | $34,000 | 2,019 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $389,000 | 6,831 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $389,000 | 6,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $189,000 | 4,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $355,000 | 6,946 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,138,000 | 7,894 |
| Total interest expense | $250,000 | 7,973 |
| Net interest income | $888,000 | 7,801 |
| Provision for loan and lease losses | $9,000 | 6,765 |
| Total noninterest income | $602,000 | 4,075 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $114,000 | 5,801 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $488,000 | 2,850 |
| Total noninterest expense | $1,135,000 | 6,832 |
| Salaries and employee benefits | $639,000 | 6,743 |
| Premises and equipment expense | $122,000 | 7,162 |
| Additional noninterest expense | $374,000 | 6,516 |
| Pre-tax net operating income | $346,000 | 6,969 |
| Securities gains (losses) | $26,000 | 2,136 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $372,000 | 6,480 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $372,000 | 6,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $181,000 | 4,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $346,000 | 6,559 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $737,000 | 8,006 |
| Total interest expense | $159,000 | 8,115 |
| Net interest income | $578,000 | 7,884 |
| Provision for loan and lease losses | $7,000 | 6,522 |
| Total noninterest income | $408,000 | 4,045 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $78,000 | 5,773 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $330,000 | 2,824 |
| Total noninterest expense | $773,000 | 6,816 |
| Salaries and employee benefits | $433,000 | 6,739 |
| Premises and equipment expense | $80,000 | 7,223 |
| Additional noninterest expense | $260,000 | 6,416 |
| Pre-tax net operating income | $206,000 | 7,138 |
| Securities gains (losses) | $37,000 | 1,654 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $243,000 | 6,508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $243,000 | 6,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,531 |
| Cash dividends | $67,000 | 4,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $206,000 | 6,757 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $376,000 | 8,009 |
| Total interest expense | $79,000 | 8,191 |
| Net interest income | $297,000 | 7,869 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $196,000 | 4,105 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $38,000 | 5,782 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $158,000 | 2,848 |
| Total noninterest expense | $384,000 | 6,871 |
| Salaries and employee benefits | $215,000 | 6,788 |
| Premises and equipment expense | $40,000 | 7,262 |
| Additional noninterest expense | $129,000 | 6,461 |
| Pre-tax net operating income | $106,000 | 7,051 |
| Securities gains (losses) | $37,000 | 1,369 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $143,000 | 6,126 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $143,000 | 6,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $106,000 | 6,655 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,467,000 | 8,109 |
| Total interest expense | $284,000 | 8,509 |
| Net interest income | $1,183,000 | 7,839 |
| Provision for loan and lease losses | $12,000 | 7,277 |
| Total noninterest income | $993,000 | 3,739 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $143,000 | 5,948 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $850,000 | 2,638 |
| Total noninterest expense | $1,735,000 | 6,463 |
| Salaries and employee benefits | $818,000 | 6,851 |
| Premises and equipment expense | $145,000 | 7,469 |
| Additional noninterest expense | $772,000 | 5,178 |
| Pre-tax net operating income | $429,000 | 6,925 |
| Securities gains (losses) | $144,000 | 1,583 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $573,000 | 6,045 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $573,000 | 6,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $230,000 | 4,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $429,000 | 6,510 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,090,000 | 8,208 |
| Total interest expense | $207,000 | 8,641 |
| Net interest income | $883,000 | 7,916 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $810,000 | 3,623 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $109,000 | 5,956 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $701,000 | 2,555 |
| Total noninterest expense | $1,264,000 | 6,535 |
| Salaries and employee benefits | $588,000 | 6,973 |
| Premises and equipment expense | $104,000 | 7,567 |
| Additional noninterest expense | $572,000 | 5,183 |
| Pre-tax net operating income | $420,000 | 6,632 |
| Securities gains (losses) | $144,000 | 1,448 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $564,000 | 5,564 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $564,000 | 5,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $230,000 | 3,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $420,000 | 6,069 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $730,000 | 8,254 |
| Total interest expense | $151,000 | 8,637 |
| Net interest income | $579,000 | 7,962 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $566,000 | 3,488 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $72,000 | 5,973 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $494,000 | 2,457 |
| Total noninterest expense | $798,000 | 6,718 |
| Salaries and employee benefits | $391,000 | 7,001 |
| Premises and equipment expense | $66,000 | 7,663 |
| Additional noninterest expense | $341,000 | 5,557 |
| Pre-tax net operating income | $341,000 | 6,232 |
| Securities gains (losses) | $144,000 | 1,250 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $485,000 | 4,882 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $485,000 | 4,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $147,000 | 3,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $341,000 | 5,592 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $387,000 | 8,224 |
| Total interest expense | $78,000 | 8,694 |
| Net interest income | $309,000 | 7,874 |
| Provision for loan and lease losses | $4,000 | 6,606 |
| Total noninterest income | $262,000 | 3,532 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 5,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $224,000 | 2,523 |
| Total noninterest expense | $407,000 | 6,660 |
| Salaries and employee benefits | $195,000 | 7,047 |
| Premises and equipment expense | $33,000 | 7,707 |
| Additional noninterest expense | $179,000 | 5,369 |
| Pre-tax net operating income | $160,000 | 6,337 |
| Securities gains (losses) | $96,000 | 1,024 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $256,000 | 4,651 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $256,000 | 4,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $160,000 | 5,670 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,515,000 | 8,356 |
| Total interest expense | $387,000 | 8,691 |
| Net interest income | $1,128,000 | 8,067 |
| Provision for loan and lease losses | $31,000 | 7,177 |
| Total noninterest income | $783,000 | 4,044 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $167,000 | 5,633 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $616,000 | 2,919 |
| Total noninterest expense | $1,415,000 | 7,030 |
| Salaries and employee benefits | $714,000 | 7,221 |
| Premises and equipment expense | $117,000 | 7,917 |
| Additional noninterest expense | $584,000 | 6,033 |
| Pre-tax net operating income | $465,000 | 6,904 |
| Securities gains (losses) | $-5,000 | 8,824 |
| Applicable income taxes | $-58,000 | 9,006 |
| Income before extraordinary items | $518,000 | 6,317 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $518,000 | 6,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,948 |
| Cash dividends | $140,000 | 5,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $523,000 | 6,143 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,583,000 | 8,656 |
| Total interest expense | $509,000 | 9,002 |
| Net interest income | $1,074,000 | 8,139 |
| Provision for loan and lease losses | $12,000 | 7,834 |
| Total noninterest income | $767,000 | 3,973 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $204,000 | 5,117 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $563,000 | 2,934 |
| Total noninterest expense | $1,255,000 | 7,317 |
| Salaries and employee benefits | $664,000 | 7,362 |
| Premises and equipment expense | $145,000 | 7,606 |
| Additional noninterest expense | $446,000 | 6,819 |
| Pre-tax net operating income | $574,000 | 6,262 |
| Securities gains (losses) | $114,000 | 1,646 |
| Applicable income taxes | $230,000 | 4,751 |
| Income before extraordinary items | $458,000 | 6,264 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $458,000 | 6,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,995 |
| Cash dividends | $50,000 | 6,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $381,620 | 6,542 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,528,000 | 8,924 |
| Total interest expense | $647,000 | 8,957 |
| Net interest income | $881,000 | 8,731 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $770,000 | 3,748 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 4,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $529,000 | 2,857 |
| Total noninterest expense | $1,227,000 | 7,424 |
| Salaries and employee benefits | $619,000 | 7,595 |
| Premises and equipment expense | $127,000 | 7,974 |
| Additional noninterest expense | $481,000 | 6,569 |
| Pre-tax net operating income | $412,000 | 7,406 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $134,000 | 6,108 |
| Income before extraordinary items | $278,000 | 7,603 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $278,000 | 7,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $215,000 | 5,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $278,000 | 7,612 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,543,000 | 9,012 |
| Total interest expense | $661,000 | 9,042 |
| Net interest income | $882,000 | 8,879 |
| Provision for loan and lease losses | $100,000 | 5,206 |
| Total noninterest income | $1,633,000 | 2,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 4,897 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,415,000 | 1,450 |
| Total noninterest expense | $2,250,000 | 5,248 |
| Salaries and employee benefits | $578,000 | 7,880 |
| Premises and equipment expense | $125,000 | 8,129 |
| Additional noninterest expense | $1,547,000 | 2,790 |
| Pre-tax net operating income | $165,000 | 8,735 |
| Securities gains (losses) | $26,000 | 1,258 |
| Applicable income taxes | $58,000 | 7,529 |
| Income before extraordinary items | $133,000 | 8,755 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $133,000 | 8,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,549 |
| Cash dividends | $113,000 | 5,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $114,800 | 8,833 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,667,000 | 9,088 |
| Total interest expense | $677,000 | 9,244 |
| Net interest income | $990,000 | 8,816 |
| Provision for loan and lease losses | $390,000 | 2,106 |
| Total noninterest income | $1,140,000 | 2,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 5,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $963,000 | 1,909 |
| Total noninterest expense | $1,948,000 | 5,695 |
| Salaries and employee benefits | $559,000 | 7,991 |
| Premises and equipment expense | $128,000 | 8,111 |
| Additional noninterest expense | $1,261,000 | 3,231 |
| Pre-tax net operating income | $-208,000 | 9,999 |
| Securities gains (losses) | $294,000 | 753 |
| Applicable income taxes | $39,000 | 8,531 |
| Income before extraordinary items | $47,000 | 9,638 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $47,000 | 9,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $381,000 | 1,557 |
| Cash dividends | $150,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-141,160 | 9,954 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,225,000 | 10,036 |
| Total interest expense | $454,000 | 10,217 |
| Net interest income | $771,000 | 9,747 |
| Provision for loan and lease losses | $43,000 | 6,927 |
| Total noninterest income | $674,000 | 4,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,596 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $490,000 | 2,869 |
| Total noninterest expense | $1,249,000 | 7,502 |
| Salaries and employee benefits | $411,000 | 9,191 |
| Premises and equipment expense | $120,000 | 8,493 |
| Additional noninterest expense | $718,000 | 5,118 |
| Pre-tax net operating income | $153,000 | 9,830 |
| Securities gains (losses) | $57,000 | 1,267 |
| Applicable income taxes | $83,000 | 8,702 |
| Income before extraordinary items | $127,000 | 9,783 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $127,000 | 9,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,485 |
| Cash dividends | $90,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $90,520 | 9,981 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,184,000 | 10,541 |
| Total interest expense | $427,000 | 10,806 |
| Net interest income | $757,000 | 10,232 |
| Provision for loan and lease losses | $85,000 | 5,471 |
| Total noninterest income | $515,000 | 5,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,058 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $342,000 | 3,746 |
| Total noninterest expense | $1,094,000 | 8,347 |
| Salaries and employee benefits | $324,000 | 10,146 |
| Premises and equipment expense | $90,000 | 9,558 |
| Additional noninterest expense | $680,000 | 5,857 |
| Pre-tax net operating income | $93,000 | 10,405 |
| Securities gains (losses) | $24,000 | 1,866 |
| Applicable income taxes | $32,000 | 9,997 |
| Income before extraordinary items | $85,000 | 10,352 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $85,000 | 10,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,783 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $67,480 | 10,432 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,316,000 | 10,814 |
| Total interest expense | $497,000 | 11,022 |
| Net interest income | $819,000 | 10,477 |
| Provision for loan and lease losses | $153,000 | 3,586 |
| Total noninterest income | $806,000 | 3,665 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 5,909 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $618,000 | 2,488 |
| Total noninterest expense | $1,451,000 | 7,426 |
| Salaries and employee benefits | $380,000 | 10,087 |
| Premises and equipment expense | $70,000 | 10,479 |
| Additional noninterest expense | $1,001,000 | 4,345 |
| Pre-tax net operating income | $21,000 | 11,417 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $3,000 | 11,058 |
| Income before extraordinary items | $22,000 | 11,425 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $22,000 | 11,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,821 |
| Cash dividends | $89,000 | 7,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $18,480 | 11,406 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,035,000 | 11,648 |
| Total interest expense | $346,000 | 11,841 |
| Net interest income | $689,000 | 11,413 |
| Provision for loan and lease losses | $113,000 | 4,290 |
| Total noninterest income | $747,000 | 3,926 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 5,563 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $530,000 | 2,854 |
| Total noninterest expense | $1,186,000 | 8,658 |
| Salaries and employee benefits | $412,000 | 10,188 |
| Premises and equipment expense | $45,000 | 11,810 |
| Additional noninterest expense | $729,000 | 6,138 |
| Pre-tax net operating income | $137,000 | 11,367 |
| Securities gains (losses) | $-31,000 | 10,677 |
| Applicable income taxes | $22,000 | 11,114 |
| Income before extraordinary items | $84,000 | 11,526 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $84,000 | 11,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,935 |
| Cash dividends | $105,000 | 6,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $108,490 | 11,344 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $645,000 | 12,889 |
| Total interest expense | $168,000 | 13,077 |
| Net interest income | $477,000 | 12,611 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $804,000 | 3,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 6,266 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $618,000 | 2,828 |
| Total noninterest expense | $914,000 | 10,135 |
| Salaries and employee benefits | $316,000 | 11,491 |
| Premises and equipment expense | $33,000 | 12,758 |
| Additional noninterest expense | $565,000 | 7,642 |
| Pre-tax net operating income | $337,000 | 9,915 |
| Securities gains (losses) | $65,000 | 3,068 |
| Applicable income taxes | $142,000 | 8,816 |
| Income before extraordinary items | $260,000 | 9,928 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $260,000 | 10,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 7,969 |
| Cash dividends | $253,000 | 4,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $217,750 | 10,199 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $222,000 | 13,853 |
| Total interest expense | $95,000 | 13,826 |
| Net interest income | $127,000 | 13,832 |
| Provision for loan and lease losses | $3,000 | 11,629 |
| Total noninterest income | $308,000 | 7,614 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 10,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,781 |
| Total noninterest expense | $292,000 | 13,584 |
| Salaries and employee benefits | $101,000 | 13,785 |
| Premises and equipment expense | $14,000 | 13,787 |
| Additional noninterest expense | $177,000 | 12,569 |
| Pre-tax net operating income | $140,000 | 11,619 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $36,000 | 11,628 |
| Income before extraordinary items | $117,000 | 11,713 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $117,000 | 11,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $35,000 | 8,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $107,120 | 11,546 |
* 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.