Home > The First National Bank > Income and Expense
The First National Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,053,000 | 5,790 |
| Total interest expense | $1,162,000 | 5,904 |
| Net interest income | $2,891,000 | 5,624 |
| Provision for loan and lease losses | $55,000 | 5,644 |
| Total noninterest income | $329,000 | 6,141 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $248,000 | 4,588 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $81,000 | 6,738 |
| Total noninterest expense | $1,961,000 | 6,183 |
| Salaries and employee benefits | $814,000 | 6,881 |
| Premises and equipment expense | $248,000 | 6,233 |
| Additional noninterest expense | $899,000 | 4,770 |
| Pre-tax net operating income | $1,204,000 | 4,896 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $412,000 | 3,657 |
| Income before extraordinary items | $792,000 | 5,370 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $792,000 | 5,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 1,444 |
| Cash dividends | $5,300,000 | 626 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $792,000 | 5,350 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,083,000 | 5,719 |
| Total interest expense | $827,000 | 5,928 |
| Net interest income | $2,256,000 | 5,521 |
| Provision for loan and lease losses | $55,000 | 5,056 |
| Total noninterest income | $253,000 | 6,121 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $192,000 | 4,547 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,739 |
| Total noninterest expense | $1,489,000 | 6,110 |
| Salaries and employee benefits | $635,000 | 6,778 |
| Premises and equipment expense | $188,000 | 6,184 |
| Additional noninterest expense | $666,000 | 4,778 |
| Pre-tax net operating income | $965,000 | 4,863 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $337,000 | 3,591 |
| Income before extraordinary items | $628,000 | 5,346 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $628,000 | 5,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 1,144 |
| Cash dividends | $5,300,000 | 447 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $628,000 | 5,312 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,062,000 | 5,645 |
| Total interest expense | $530,000 | 5,886 |
| Net interest income | $1,532,000 | 5,440 |
| Provision for loan and lease losses | $55,000 | 4,424 |
| Total noninterest income | $166,000 | 6,144 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $129,000 | 4,492 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $37,000 | 6,911 |
| Total noninterest expense | $988,000 | 6,114 |
| Salaries and employee benefits | $449,000 | 6,643 |
| Premises and equipment expense | $120,000 | 6,281 |
| Additional noninterest expense | $419,000 | 4,931 |
| Pre-tax net operating income | $655,000 | 4,779 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $229,000 | 3,559 |
| Income before extraordinary items | $426,000 | 5,292 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $426,000 | 5,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 836 |
| Cash dividends | $5,300,000 | 326 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $426,000 | 5,247 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,045,000 | 5,594 |
| Total interest expense | $261,000 | 5,856 |
| Net interest income | $784,000 | 5,382 |
| Provision for loan and lease losses | $55,000 | 3,052 |
| Total noninterest income | $98,000 | 5,732 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $64,000 | 4,460 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,945 |
| Total noninterest expense | $505,000 | 6,070 |
| Salaries and employee benefits | $231,000 | 6,603 |
| Premises and equipment expense | $54,000 | 6,573 |
| Additional noninterest expense | $220,000 | 4,754 |
| Pre-tax net operating income | $322,000 | 4,816 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $111,000 | 3,603 |
| Income before extraordinary items | $211,000 | 5,287 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $211,000 | 5,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 494 |
| Cash dividends | $5,300,000 | 170 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $211,000 | 5,252 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,255,000 | 4,686 |
| Total interest expense | $1,153,000 | 5,233 |
| Net interest income | $4,102,000 | 4,403 |
| Provision for loan and lease losses | $2,025,000 | 536 |
| Total noninterest income | $516,000 | 5,182 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $430,000 | 3,476 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $86,000 | 6,660 |
| Total noninterest expense | $2,339,000 | 5,517 |
| Salaries and employee benefits | $934,000 | 6,489 |
| Premises and equipment expense | $237,000 | 6,335 |
| Additional noninterest expense | $1,168,000 | 3,840 |
| Pre-tax net operating income | $254,000 | 7,589 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $51,000 | 6,027 |
| Income before extraordinary items | $203,000 | 7,638 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $203,000 | 7,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $945,000 | 822 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $203,000 | 7,592 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,010,000 | 4,608 |
| Total interest expense | $868,000 | 5,188 |
| Net interest income | $3,142,000 | 4,334 |
| Provision for loan and lease losses | $1,435,000 | 551 |
| Total noninterest income | $425,000 | 4,990 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $336,000 | 3,411 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $89,000 | 6,140 |
| Total noninterest expense | $1,736,000 | 5,520 |
| Salaries and employee benefits | $738,000 | 6,298 |
| Premises and equipment expense | $185,000 | 6,213 |
| Additional noninterest expense | $813,000 | 4,040 |
| Pre-tax net operating income | $396,000 | 6,757 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $133,000 | 5,000 |
| Income before extraordinary items | $263,000 | 7,135 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $263,000 | 7,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $803,000 | 675 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $263,000 | 7,070 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,584,000 | 4,721 |
| Total interest expense | $579,000 | 5,214 |
| Net interest income | $2,005,000 | 4,468 |
| Provision for loan and lease losses | $875,000 | 580 |
| Total noninterest income | $410,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $225,000 | 3,375 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $185,000 | 3,904 |
| Total noninterest expense | $1,044,000 | 5,872 |
| Salaries and employee benefits | $499,000 | 6,304 |
| Premises and equipment expense | $118,000 | 6,364 |
| Additional noninterest expense | $427,000 | 4,845 |
| Pre-tax net operating income | $496,000 | 5,326 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $152,000 | 4,229 |
| Income before extraordinary items | $344,000 | 5,720 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $344,000 | 5,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,376 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $344,000 | 5,637 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,292,000 | 4,741 |
| Total interest expense | $295,000 | 5,218 |
| Net interest income | $997,000 | 4,492 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $226,000 | 3,756 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $114,000 | 3,270 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $112,000 | 3,473 |
| Total noninterest expense | $521,000 | 5,913 |
| Salaries and employee benefits | $260,000 | 6,198 |
| Premises and equipment expense | $53,000 | 6,646 |
| Additional noninterest expense | $208,000 | 4,925 |
| Pre-tax net operating income | $677,000 | 2,782 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $249,000 | 2,209 |
| Income before extraordinary items | $428,000 | 3,326 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $428,000 | 3,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $428,000 | 3,210 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,067,000 | 4,851 |
| Total interest expense | $1,372,000 | 5,156 |
| Net interest income | $3,695,000 | 4,624 |
| Provision for loan and lease losses | $155,000 | 4,520 |
| Total noninterest income | $909,000 | 3,923 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $529,000 | 2,962 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $380,000 | 4,072 |
| Total noninterest expense | $2,146,000 | 5,756 |
| Salaries and employee benefits | $931,000 | 6,497 |
| Premises and equipment expense | $256,000 | 6,119 |
| Additional noninterest expense | $959,000 | 4,412 |
| Pre-tax net operating income | $2,303,000 | 3,072 |
| Securities gains (losses) | $6,000 | 3,841 |
| Applicable income taxes | $848,000 | 2,429 |
| Income before extraordinary items | $1,461,000 | 3,629 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,461,000 | 3,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,531 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,457,160 | 3,478 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,775,000 | 4,931 |
| Total interest expense | $1,061,000 | 5,209 |
| Net interest income | $2,714,000 | 4,712 |
| Provision for loan and lease losses | $55,000 | 5,636 |
| Total noninterest income | $678,000 | 4,014 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $401,000 | 2,941 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $277,000 | 4,179 |
| Total noninterest expense | $1,547,000 | 5,874 |
| Salaries and employee benefits | $686,000 | 6,529 |
| Premises and equipment expense | $191,000 | 6,116 |
| Additional noninterest expense | $670,000 | 4,616 |
| Pre-tax net operating income | $1,790,000 | 3,086 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $653,000 | 2,503 |
| Income before extraordinary items | $1,137,000 | 3,643 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,137,000 | 3,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,715 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,137,000 | 3,478 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,495,000 | 4,994 |
| Total interest expense | $737,000 | 5,180 |
| Net interest income | $1,758,000 | 4,787 |
| Provision for loan and lease losses | $55,000 | 5,021 |
| Total noninterest income | $438,000 | 4,042 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $258,000 | 2,987 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $180,000 | 4,224 |
| Total noninterest expense | $984,000 | 6,041 |
| Salaries and employee benefits | $466,000 | 6,501 |
| Premises and equipment expense | $126,000 | 6,139 |
| Additional noninterest expense | $392,000 | 5,079 |
| Pre-tax net operating income | $1,157,000 | 3,171 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $422,000 | 2,592 |
| Income before extraordinary items | $735,000 | 3,731 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $735,000 | 3,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,788 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $735,000 | 3,537 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,244,000 | 5,031 |
| Total interest expense | $377,000 | 5,207 |
| Net interest income | $867,000 | 4,818 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $220,000 | 3,927 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $125,000 | 2,989 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $95,000 | 4,025 |
| Total noninterest expense | $504,000 | 5,970 |
| Salaries and employee benefits | $242,000 | 6,376 |
| Premises and equipment expense | $61,000 | 6,231 |
| Additional noninterest expense | $201,000 | 4,949 |
| Pre-tax net operating income | $563,000 | 3,224 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $205,000 | 2,653 |
| Income before extraordinary items | $358,000 | 3,747 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $358,000 | 3,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $358,000 | 3,572 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,062,000 | 5,134 |
| Total interest expense | $1,807,000 | 5,143 |
| Net interest income | $3,255,000 | 5,011 |
| Provision for loan and lease losses | $110,000 | 5,550 |
| Total noninterest income | $804,000 | 3,980 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $499,000 | 2,975 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $305,000 | 4,222 |
| Total noninterest expense | $1,817,000 | 6,220 |
| Salaries and employee benefits | $804,000 | 6,868 |
| Premises and equipment expense | $263,000 | 5,966 |
| Additional noninterest expense | $750,000 | 5,159 |
| Pre-tax net operating income | $2,132,000 | 3,290 |
| Securities gains (losses) | $43,000 | 2,542 |
| Applicable income taxes | $793,000 | 2,610 |
| Income before extraordinary items | $1,382,000 | 3,715 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,382,000 | 3,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,712 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,354,480 | 3,666 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,351,000 | 5,385 |
| Total interest expense | $2,548,000 | 5,340 |
| Net interest income | $2,803,000 | 5,314 |
| Provision for loan and lease losses | $90,000 | 5,778 |
| Total noninterest income | $591,000 | 4,617 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $370,000 | 3,606 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $221,000 | 4,730 |
| Total noninterest expense | $1,663,000 | 6,423 |
| Salaries and employee benefits | $765,000 | 6,927 |
| Premises and equipment expense | $260,000 | 5,966 |
| Additional noninterest expense | $638,000 | 5,620 |
| Pre-tax net operating income | $1,641,000 | 3,650 |
| Securities gains (losses) | $88,000 | 1,855 |
| Applicable income taxes | $610,000 | 2,940 |
| Income before extraordinary items | $1,119,000 | 3,985 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,119,000 | 3,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,589 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,061,800 | 4,000 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,451,000 | 5,424 |
| Total interest expense | $2,598,000 | 5,424 |
| Net interest income | $2,853,000 | 5,337 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $386,000 | 5,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,248 |
| Total noninterest expense | $1,548,000 | 6,614 |
| Salaries and employee benefits | $711,000 | 7,150 |
| Premises and equipment expense | $231,000 | 6,301 |
| Additional noninterest expense | $606,000 | 5,755 |
| Pre-tax net operating income | $1,691,000 | 3,727 |
| Securities gains (losses) | $72,000 | 634 |
| Applicable income taxes | $609,000 | 3,073 |
| Income before extraordinary items | $1,154,000 | 3,969 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,154,000 | 3,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,107,200 | 4,084 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,089,000 | 5,510 |
| Total interest expense | $2,699,000 | 4,968 |
| Net interest income | $2,390,000 | 5,967 |
| Provision for loan and lease losses | $340,000 | 2,413 |
| Total noninterest income | $345,000 | 6,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,269 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 7,335 |
| Total noninterest expense | $1,533,000 | 6,693 |
| Salaries and employee benefits | $723,000 | 7,126 |
| Premises and equipment expense | $228,000 | 6,385 |
| Additional noninterest expense | $582,000 | 5,935 |
| Pre-tax net operating income | $862,000 | 5,720 |
| Securities gains (losses) | $21,000 | 1,369 |
| Applicable income taxes | $297,000 | 4,842 |
| Income before extraordinary items | $586,000 | 5,968 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $586,000 | 5,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,310 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $572,140 | 6,007 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,598,000 | 5,979 |
| Total interest expense | $2,318,000 | 5,637 |
| Net interest income | $2,280,000 | 6,162 |
| Provision for loan and lease losses | $25,000 | 7,503 |
| Total noninterest income | $285,000 | 6,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,006 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,363 |
| Total noninterest expense | $1,362,000 | 7,062 |
| Salaries and employee benefits | $677,000 | 7,323 |
| Premises and equipment expense | $195,000 | 6,798 |
| Additional noninterest expense | $490,000 | 6,510 |
| Pre-tax net operating income | $1,178,000 | 4,949 |
| Securities gains (losses) | $138,000 | 1,094 |
| Applicable income taxes | $448,000 | 4,134 |
| Income before extraordinary items | $868,000 | 4,940 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $868,000 | 4,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,101 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $776,920 | 5,181 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,548,000 | 6,178 |
| Total interest expense | $2,238,000 | 5,813 |
| Net interest income | $2,310,000 | 6,352 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $249,000 | 7,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 5,559 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 7,914 |
| Total noninterest expense | $1,294,000 | 7,352 |
| Salaries and employee benefits | $649,000 | 7,611 |
| Premises and equipment expense | $162,000 | 7,548 |
| Additional noninterest expense | $483,000 | 6,647 |
| Pre-tax net operating income | $1,265,000 | 5,064 |
| Securities gains (losses) | $63,000 | 1,207 |
| Applicable income taxes | $454,000 | 4,502 |
| Income before extraordinary items | $874,000 | 5,153 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $874,000 | 5,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $832,420 | 5,273 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,196,000 | 6,680 |
| Total interest expense | $2,120,000 | 6,185 |
| Net interest income | $2,076,000 | 6,995 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $248,000 | 7,613 |
| 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 | $75,000 | 7,907 |
| Total noninterest expense | $1,271,000 | 7,753 |
| Salaries and employee benefits | $641,000 | 7,891 |
| Premises and equipment expense | $158,000 | 7,875 |
| Additional noninterest expense | $472,000 | 7,277 |
| Pre-tax net operating income | $1,053,000 | 5,558 |
| Securities gains (losses) | $11,000 | 2,431 |
| Applicable income taxes | $357,000 | 5,258 |
| Income before extraordinary items | $707,000 | 5,734 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $707,000 | 5,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $699,740 | 5,706 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,910,000 | 7,097 |
| Total interest expense | $1,948,000 | 6,590 |
| Net interest income | $1,962,000 | 7,395 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $205,000 | 8,342 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,470 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,426 |
| Total noninterest expense | $1,213,000 | 8,168 |
| Salaries and employee benefits | $592,000 | 8,410 |
| Premises and equipment expense | $149,000 | 8,299 |
| Additional noninterest expense | $472,000 | 7,500 |
| Pre-tax net operating income | $954,000 | 6,180 |
| Securities gains (losses) | $82,000 | 1,051 |
| Applicable income taxes | $346,000 | 5,489 |
| Income before extraordinary items | $690,000 | 6,058 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $690,000 | 6,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $635,060 | 6,395 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,031,000 | 7,981 |
| Total interest expense | $1,285,000 | 7,602 |
| Net interest income | $1,746,000 | 8,183 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $184,000 | 9,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,550 |
| Total noninterest expense | $1,017,000 | 9,278 |
| Salaries and employee benefits | $484,000 | 9,538 |
| Premises and equipment expense | $106,000 | 9,833 |
| Additional noninterest expense | $427,000 | 8,559 |
| Pre-tax net operating income | $913,000 | 6,331 |
| Securities gains (losses) | $97,000 | 786 |
| Applicable income taxes | $337,000 | 5,424 |
| Income before extraordinary items | $673,000 | 6,075 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $673,000 | 6,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $608,010 | 6,538 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,758,000 | 8,734 |
| Total interest expense | $1,172,000 | 8,391 |
| Net interest income | $1,586,000 | 8,844 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $179,000 | 9,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 10,323 |
| Total noninterest expense | $892,000 | 10,229 |
| Salaries and employee benefits | $416,000 | 10,475 |
| Premises and equipment expense | $99,000 | 10,473 |
| Additional noninterest expense | $377,000 | 9,516 |
| Pre-tax net operating income | $873,000 | 6,460 |
| Securities gains (losses) | $57,000 | 3,212 |
| Applicable income taxes | $310,000 | 5,948 |
| Income before extraordinary items | $620,000 | 6,633 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $620,000 | 6,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-104,000 | 12,945 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $581,810 | 6,677 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,980,000 | 9,023 |
| Total interest expense | $1,477,000 | 8,579 |
| Net interest income | $1,503,000 | 9,266 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $178,000 | 9,865 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 7,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,562 |
| Total noninterest expense | $847,000 | 10,764 |
| Salaries and employee benefits | $393,000 | 10,951 |
| Premises and equipment expense | $85,000 | 11,297 |
| Additional noninterest expense | $369,000 | 9,960 |
| Pre-tax net operating income | $834,000 | 6,410 |
| Securities gains (losses) | $226,000 | 1,842 |
| Applicable income taxes | $354,000 | 5,302 |
| Income before extraordinary items | $706,000 | 5,878 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $706,000 | 5,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 5,008 |
| Cash dividends | $250,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $554,580 | 6,531 |
* 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.