Home > The First National Bank > Income and Expense
The First National Bank, Income and Expense
2004-09-30 (YTD Data) | Rank | |
Total interest income | $2,038,000 | 6,706 |
Total interest expense | $611,000 | 6,206 |
Net interest income | $1,427,000 | 6,766 |
Provision for loan and lease losses | $0 | 7,100 |
Total noninterest income | $270,000 | 6,057 |
Gross Fiduciary activities income | $0 | 1,547 |
Service charges on deposit accounts | $189,000 | 4,776 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $81,000 | 6,288 |
Total noninterest expense | $1,045,000 | 7,054 |
Salaries and employee benefits | $584,000 | 6,968 |
Premises and equipment expense | $107,000 | 7,387 |
Additional noninterest expense | $354,000 | 6,681 |
Pre-tax net operating income | $652,000 | 5,687 |
Securities gains (losses) | $0 | 3,710 |
Applicable income taxes | $-11,000 | 8,732 |
Income before extraordinary items | $663,000 | 5,095 |
Extraordinary gains, net | $0 | 26 |
Net income | $663,000 | 5,095 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-74,000 | 8,751 |
Cash dividends | $750,000 | 2,092 |
Sale, conversion, retirement of capital stock, net | $0 | 738 |
Net operating income | $663,000 | 5,006 |
2004-06-30 (YTD Data) | Rank | |
Total interest income | $1,352,000 | 6,764 |
Total interest expense | $417,000 | 6,177 |
Net interest income | $935,000 | 6,845 |
Provision for loan and lease losses | $0 | 6,885 |
Total noninterest income | $184,000 | 6,009 |
Gross Fiduciary activities income | $0 | 1,518 |
Service charges on deposit accounts | $126,000 | 4,757 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $58,000 | 6,187 |
Total noninterest expense | $697,000 | 7,104 |
Salaries and employee benefits | $383,000 | 7,054 |
Premises and equipment expense | $73,000 | 7,393 |
Additional noninterest expense | $241,000 | 6,648 |
Pre-tax net operating income | $422,000 | 5,732 |
Securities gains (losses) | $0 | 3,413 |
Applicable income taxes | $-11,000 | 8,803 |
Income before extraordinary items | $433,000 | 5,107 |
Extraordinary gains, net | $0 | 21 |
Net income | $433,000 | 5,107 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-73,000 | 8,823 |
Cash dividends | $750,000 | 1,594 |
Sale, conversion, retirement of capital stock, net | $0 | 638 |
Net operating income | $433,000 | 5,017 |
2004-03-31 (YTD Data) | Rank | |
Total interest income | $708,000 | 6,680 |
Total interest expense | $213,000 | 6,172 |
Net interest income | $495,000 | 6,711 |
Provision for loan and lease losses | $0 | 6,501 |
Total noninterest income | $84,000 | 6,172 |
Gross Fiduciary activities income | $0 | 1,441 |
Service charges on deposit accounts | $63,000 | 4,680 |
Trading account gains and fees | $0 | 121 |
Additional Noninterest Income | $21,000 | 6,731 |
Total noninterest expense | $345,000 | 7,161 |
Salaries and employee benefits | $194,000 | 7,072 |
Premises and equipment expense | $32,000 | 7,669 |
Additional noninterest expense | $119,000 | 6,689 |
Pre-tax net operating income | $234,000 | 5,441 |
Securities gains (losses) | $0 | 2,934 |
Applicable income taxes | $21,000 | 5,742 |
Income before extraordinary items | $213,000 | 5,174 |
Extraordinary gains, net | $0 | 16 |
Net income | $213,000 | 5,174 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-68,000 | 8,905 |
Cash dividends | $750,000 | 847 |
Sale, conversion, retirement of capital stock, net | $0 | 464 |
Net operating income | $213,000 | 5,052 |
2003-12-31 (YTD Data) | Rank | |
Total interest income | $2,789,000 | 6,751 |
Total interest expense | $968,000 | 6,206 |
Net interest income | $1,821,000 | 6,870 |
Provision for loan and lease losses | $113,000 | 5,139 |
Total noninterest income | $320,000 | 6,457 |
Gross Fiduciary activities income | $0 | 1,641 |
Service charges on deposit accounts | $248,000 | 4,772 |
Trading account gains and fees | $0 | 160 |
Additional Noninterest Income | $72,000 | 7,041 |
Total noninterest expense | $1,330,000 | 7,211 |
Salaries and employee benefits | $734,000 | 7,171 |
Premises and equipment expense | $135,000 | 7,604 |
Additional noninterest expense | $461,000 | 6,783 |
Pre-tax net operating income | $698,000 | 6,019 |
Securities gains (losses) | $0 | 4,500 |
Applicable income taxes | $242,000 | 4,631 |
Income before extraordinary items | $456,000 | 6,544 |
Extraordinary gains, net | $0 | 54 |
Net income | $456,000 | 6,549 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $229,000 | 2,648 |
Cash dividends | $550,000 | 3,349 |
Sale, conversion, retirement of capital stock, net | $0 | 868 |
Net operating income | $456,000 | 6,375 |
2003-09-30 (YTD Data) | Rank | |
Total interest income | $2,123,000 | 6,793 |
Total interest expense | $747,000 | 6,286 |
Net interest income | $1,376,000 | 6,883 |
Provision for loan and lease losses | $75,000 | 5,202 |
Total noninterest income | $239,000 | 6,516 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $186,000 | 4,799 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $53,000 | 7,132 |
Total noninterest expense | $1,020,000 | 7,152 |
Salaries and employee benefits | $589,000 | 6,968 |
Premises and equipment expense | $94,000 | 7,751 |
Additional noninterest expense | $337,000 | 6,830 |
Pre-tax net operating income | $520,000 | 6,194 |
Securities gains (losses) | $0 | 4,204 |
Applicable income taxes | $234,000 | 4,398 |
Income before extraordinary items | $286,000 | 7,030 |
Extraordinary gains, net | $0 | 40 |
Net income | $286,000 | 7,031 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $146,000 | 2,642 |
Cash dividends | $550,000 | 2,538 |
Sale, conversion, retirement of capital stock, net | $0 | 722 |
Net operating income | $286,000 | 6,859 |
2003-06-30 (YTD Data) | Rank | |
Total interest income | $1,444,000 | 6,776 |
Total interest expense | $510,000 | 6,332 |
Net interest income | $934,000 | 6,851 |
Provision for loan and lease losses | $38,000 | 5,528 |
Total noninterest income | $160,000 | 6,494 |
Gross Fiduciary activities income | $0 | 1,577 |
Service charges on deposit accounts | $124,000 | 4,770 |
Trading account gains and fees | $0 | 150 |
Additional Noninterest Income | $36,000 | 7,110 |
Total noninterest expense | $697,000 | 7,107 |
Salaries and employee benefits | $403,000 | 6,916 |
Premises and equipment expense | $62,000 | 7,773 |
Additional noninterest expense | $232,000 | 6,752 |
Pre-tax net operating income | $359,000 | 6,116 |
Securities gains (losses) | $0 | 3,782 |
Applicable income taxes | $228,000 | 3,709 |
Income before extraordinary items | $131,000 | 7,646 |
Extraordinary gains, net | $0 | 30 |
Net income | $131,000 | 7,649 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $83,000 | 2,773 |
Cash dividends | $550,000 | 2,008 |
Sale, conversion, retirement of capital stock, net | $0 | 589 |
Net operating income | $131,000 | 7,466 |
2003-03-31 (YTD Data) | Rank | |
Total interest income | $718,000 | 6,833 |
Total interest expense | $262,000 | 6,355 |
Net interest income | $456,000 | 6,921 |
Provision for loan and lease losses | $23,000 | 5,064 |
Total noninterest income | $83,000 | 6,334 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $60,000 | 4,759 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $23,000 | 6,700 |
Total noninterest expense | $353,000 | 7,096 |
Salaries and employee benefits | $197,000 | 7,018 |
Premises and equipment expense | $33,000 | 7,707 |
Additional noninterest expense | $123,000 | 6,572 |
Pre-tax net operating income | $163,000 | 6,299 |
Securities gains (losses) | $0 | 2,891 |
Applicable income taxes | $228,000 | 2,469 |
Income before extraordinary items | $-65,000 | 8,986 |
Extraordinary gains, net | $0 | 21 |
Net income | $-65,000 | 8,983 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $74,000 | 1,796 |
Cash dividends | $0 | 3,930 |
Sale, conversion, retirement of capital stock, net | $0 | 419 |
Net operating income | $-65,000 | 8,901 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $3,301,000 | 6,534 |
Total interest expense | $1,293,000 | 6,196 |
Net interest income | $2,008,000 | 6,620 |
Provision for loan and lease losses | $21,000 | 7,483 |
Total noninterest income | $310,000 | 6,387 |
Gross Fiduciary activities income | $0 | 1,713 |
Service charges on deposit accounts | $246,000 | 4,737 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $64,000 | 7,231 |
Total noninterest expense | $1,317,000 | 7,209 |
Salaries and employee benefits | $758,000 | 7,045 |
Premises and equipment expense | $129,000 | 7,748 |
Additional noninterest expense | $430,000 | 6,932 |
Pre-tax net operating income | $980,000 | 5,256 |
Securities gains (losses) | $51,000 | 2,387 |
Applicable income taxes | $392,000 | 3,926 |
Income before extraordinary items | $639,000 | 5,799 |
Extraordinary gains, net | $0 | 70 |
Net income | $639,000 | 5,798 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 7,632 |
Cash dividends | $0 | 6,377 |
Sale, conversion, retirement of capital stock, net | $0 | 862 |
Net operating income | $606,360 | 5,799 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $3,645,000 | 6,639 |
Total interest expense | $1,767,000 | 6,477 |
Net interest income | $1,878,000 | 6,644 |
Provision for loan and lease losses | $104,000 | 5,529 |
Total noninterest income | $314,000 | 6,295 |
Gross Fiduciary activities income | $0 | 1,731 |
Service charges on deposit accounts | $259,000 | 4,556 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $55,000 | 7,544 |
Total noninterest expense | $1,221,000 | 7,406 |
Salaries and employee benefits | $659,000 | 7,388 |
Premises and equipment expense | $138,000 | 7,719 |
Additional noninterest expense | $424,000 | 6,961 |
Pre-tax net operating income | $867,000 | 5,291 |
Securities gains (losses) | $0 | 4,612 |
Applicable income taxes | $319,000 | 4,146 |
Income before extraordinary items | $548,000 | 5,856 |
Extraordinary gains, net | $0 | 105 |
Net income | $548,000 | 5,859 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-5,000 | 8,952 |
Cash dividends | $936,000 | 2,367 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $548,000 | 5,737 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $3,445,000 | 6,980 |
Total interest expense | $1,781,000 | 6,628 |
Net interest income | $1,664,000 | 7,180 |
Provision for loan and lease losses | $185,000 | 3,897 |
Total noninterest income | $254,000 | 6,736 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $197,000 | 5,125 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $57,000 | 7,569 |
Total noninterest expense | $1,279,000 | 7,305 |
Salaries and employee benefits | $636,000 | 7,515 |
Premises and equipment expense | $143,000 | 7,710 |
Additional noninterest expense | $500,000 | 6,436 |
Pre-tax net operating income | $454,000 | 7,224 |
Securities gains (losses) | $0 | 1,956 |
Applicable income taxes | $150,000 | 5,914 |
Income before extraordinary items | $304,000 | 7,448 |
Extraordinary gains, net | $0 | 38 |
Net income | $304,000 | 7,448 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $323,000 | 1,726 |
Cash dividends | $0 | 6,853 |
Sale, conversion, retirement of capital stock, net | $0 | 969 |
Net operating income | $304,000 | 7,450 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $3,279,000 | 7,069 |
Total interest expense | $1,624,000 | 6,678 |
Net interest income | $1,655,000 | 7,273 |
Provision for loan and lease losses | $390,000 | 2,152 |
Total noninterest income | $244,000 | 7,012 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $192,000 | 5,226 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $52,000 | 7,990 |
Total noninterest expense | $1,238,000 | 7,470 |
Salaries and employee benefits | $583,000 | 7,846 |
Premises and equipment expense | $159,000 | 7,518 |
Additional noninterest expense | $496,000 | 6,555 |
Pre-tax net operating income | $271,000 | 8,250 |
Securities gains (losses) | $0 | 3,155 |
Applicable income taxes | $99,000 | 6,931 |
Income before extraordinary items | $172,000 | 8,491 |
Extraordinary gains, net | $0 | 35 |
Net income | $172,000 | 8,489 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $318,000 | 1,728 |
Cash dividends | $0 | 7,131 |
Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
Net operating income | $172,000 | 8,455 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $3,568,000 | 6,878 |
Total interest expense | $1,675,000 | 6,819 |
Net interest income | $1,893,000 | 6,871 |
Provision for loan and lease losses | $141,000 | 4,306 |
Total noninterest income | $256,000 | 6,931 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $182,000 | 5,405 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $74,000 | 7,363 |
Total noninterest expense | $1,232,000 | 7,450 |
Salaries and employee benefits | $572,000 | 7,912 |
Premises and equipment expense | $169,000 | 7,251 |
Additional noninterest expense | $491,000 | 6,503 |
Pre-tax net operating income | $776,000 | 6,180 |
Securities gains (losses) | $13,000 | 2,771 |
Applicable income taxes | $275,000 | 5,413 |
Income before extraordinary items | $514,000 | 6,530 |
Extraordinary gains, net | $0 | 32 |
Net income | $514,000 | 6,528 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $48,000 | 5,015 |
Cash dividends | $0 | 7,473 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $505,550 | 6,460 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $3,236,000 | 7,468 |
Total interest expense | $1,486,000 | 7,382 |
Net interest income | $1,750,000 | 7,428 |
Provision for loan and lease losses | $194,000 | 3,523 |
Total noninterest income | $267,000 | 7,028 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $188,000 | 5,524 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $79,000 | 7,409 |
Total noninterest expense | $1,007,000 | 8,320 |
Salaries and employee benefits | $512,000 | 8,517 |
Premises and equipment expense | $123,000 | 8,418 |
Additional noninterest expense | $372,000 | 7,603 |
Pre-tax net operating income | $816,000 | 6,473 |
Securities gains (losses) | $0 | 3,944 |
Applicable income taxes | $292,000 | 5,803 |
Income before extraordinary items | $524,000 | 6,838 |
Extraordinary gains, net | $0 | 44 |
Net income | $524,000 | 6,841 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $191,000 | 2,620 |
Cash dividends | $750,000 | 2,657 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $524,000 | 6,777 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $2,759,000 | 8,329 |
Total interest expense | $1,313,000 | 8,069 |
Net interest income | $1,446,000 | 8,398 |
Provision for loan and lease losses | $145,000 | 4,158 |
Total noninterest income | $190,000 | 8,375 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $141,000 | 6,639 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $49,000 | 8,929 |
Total noninterest expense | $852,000 | 9,226 |
Salaries and employee benefits | $436,000 | 9,351 |
Premises and equipment expense | $118,000 | 8,844 |
Additional noninterest expense | $298,000 | 8,908 |
Pre-tax net operating income | $639,000 | 7,234 |
Securities gains (losses) | $-11,000 | 10,330 |
Applicable income taxes | $214,000 | 6,916 |
Income before extraordinary items | $414,000 | 7,508 |
Extraordinary gains, net | $0 | 53 |
Net income | $414,000 | 7,506 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $68,000 | 4,696 |
Cash dividends | $0 | 8,336 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $421,260 | 7,388 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $2,264,000 | 9,309 |
Total interest expense | $1,055,000 | 9,057 |
Net interest income | $1,209,000 | 9,305 |
Provision for loan and lease losses | $54,000 | 6,067 |
Total noninterest income | $124,000 | 9,779 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $79,000 | 8,338 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $45,000 | 9,472 |
Total noninterest expense | $805,000 | 9,749 |
Salaries and employee benefits | $417,000 | 9,819 |
Premises and equipment expense | $102,000 | 9,565 |
Additional noninterest expense | $286,000 | 9,391 |
Pre-tax net operating income | $474,000 | 8,590 |
Securities gains (losses) | $-19,000 | 10,530 |
Applicable income taxes | $130,000 | 8,624 |
Income before extraordinary items | $325,000 | 8,701 |
Extraordinary gains, net | $0 | 65 |
Net income | $325,000 | 8,705 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $43,000 | 5,418 |
Cash dividends | $0 | 8,717 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $338,490 | 8,555 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $1,712,000 | 10,331 |
Total interest expense | $797,000 | 9,625 |
Net interest income | $915,000 | 10,676 |
Provision for loan and lease losses | $92,000 | 4,738 |
Total noninterest income | $100,000 | 10,747 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $58,000 | 9,408 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $42,000 | 10,035 |
Total noninterest expense | $724,000 | 10,599 |
Salaries and employee benefits | $380,000 | 10,465 |
Premises and equipment expense | $82,000 | 10,584 |
Additional noninterest expense | $262,000 | 10,380 |
Pre-tax net operating income | $199,000 | 10,902 |
Securities gains (losses) | $-82,000 | 11,402 |
Applicable income taxes | $3,000 | 11,532 |
Income before extraordinary items | $114,000 | 11,226 |
Extraordinary gains, net | $0 | 249 |
Net income | $114,000 | 11,233 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $103,000 | 3,664 |
Cash dividends | $0 | 8,932 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $193,540 | 10,397 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $1,861,000 | 10,470 |
Total interest expense | $812,000 | 9,986 |
Net interest income | $1,049,000 | 10,600 |
Provision for loan and lease losses | $120,000 | 5,200 |
Total noninterest income | $103,000 | 11,256 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $65,000 | 9,505 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $38,000 | 10,795 |
Total noninterest expense | $674,000 | 11,290 |
Salaries and employee benefits | $355,000 | 11,094 |
Premises and equipment expense | $84,000 | 11,010 |
Additional noninterest expense | $235,000 | 11,256 |
Pre-tax net operating income | $358,000 | 9,746 |
Securities gains (losses) | $0 | 7,477 |
Applicable income taxes | $97,000 | 9,810 |
Income before extraordinary items | $261,000 | 9,914 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $261,000 | 10,055 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $6,000 | 9,031 |
Cash dividends | $0 | 9,081 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $261,000 | 9,658 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $2,117,000 | 10,664 |
Total interest expense | $1,052,000 | 10,171 |
Net interest income | $1,065,000 | 10,830 |
Provision for loan and lease losses | $80,000 | 7,886 |
Total noninterest income | $101,000 | 11,701 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $73,000 | 9,449 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $28,000 | 11,929 |
Total noninterest expense | $674,000 | 11,656 |
Salaries and employee benefits | $357,000 | 11,368 |
Premises and equipment expense | $75,000 | 11,682 |
Additional noninterest expense | $242,000 | 11,639 |
Pre-tax net operating income | $412,000 | 9,133 |
Securities gains (losses) | $11,000 | 6,349 |
Applicable income taxes | $113,000 | 9,575 |
Income before extraordinary items | $310,000 | 9,176 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $310,000 | 9,319 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $150,000 | 4,894 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $301,970 | 8,925 |
* 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.