Home > The First National Bank and Trust > Income and Expense
The First National Bank and Trust, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,291,000 | 6,861 |
| Total interest expense | $293,000 | 7,022 |
| Net interest income | $998,000 | 6,666 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $154,000 | 6,408 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $50,000 | 6,543 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $104,000 | 5,095 |
| Total noninterest expense | $717,000 | 7,015 |
| Salaries and employee benefits | $406,000 | 6,904 |
| Premises and equipment expense | $80,000 | 7,223 |
| Additional noninterest expense | $231,000 | 6,774 |
| Pre-tax net operating income | $435,000 | 5,664 |
| Securities gains (losses) | $194,000 | 658 |
| Applicable income taxes | $10,000 | 6,651 |
| Income before extraordinary items | $619,000 | 4,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $619,000 | 4,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,589 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $428,880 | 5,048 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $655,000 | 6,874 |
| Total interest expense | $150,000 | 7,036 |
| Net interest income | $505,000 | 6,654 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $54,000 | 7,095 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $22,000 | 6,668 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $32,000 | 5,977 |
| Total noninterest expense | $365,000 | 7,012 |
| Salaries and employee benefits | $204,000 | 6,923 |
| Premises and equipment expense | $42,000 | 7,151 |
| Additional noninterest expense | $119,000 | 6,689 |
| Pre-tax net operating income | $194,000 | 5,890 |
| Securities gains (losses) | $194,000 | 515 |
| Applicable income taxes | $-72,000 | 9,010 |
| Income before extraordinary items | $460,000 | 3,140 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $460,000 | 3,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,693 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $266,000 | 4,461 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,880,000 | 6,659 |
| Total interest expense | $777,000 | 6,783 |
| Net interest income | $2,103,000 | 6,424 |
| Provision for loan and lease losses | $94,000 | 5,430 |
| Total noninterest income | $279,000 | 6,740 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $128,000 | 6,168 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $151,000 | 5,815 |
| Total noninterest expense | $1,460,000 | 6,965 |
| Salaries and employee benefits | $905,000 | 6,581 |
| Premises and equipment expense | $183,000 | 6,987 |
| Additional noninterest expense | $372,000 | 7,321 |
| Pre-tax net operating income | $828,000 | 5,610 |
| Securities gains (losses) | $48,000 | 2,552 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $876,000 | 5,004 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $876,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,770 |
| Cash dividends | $918,000 | 2,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $828,000 | 4,991 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,197,000 | 6,688 |
| Total interest expense | $613,000 | 6,796 |
| Net interest income | $1,584,000 | 6,458 |
| Provision for loan and lease losses | $94,000 | 4,767 |
| Total noninterest income | $200,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $97,000 | 6,184 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $103,000 | 6,018 |
| Total noninterest expense | $1,016,000 | 7,166 |
| Salaries and employee benefits | $604,000 | 6,899 |
| Premises and equipment expense | $139,000 | 6,980 |
| Additional noninterest expense | $273,000 | 7,374 |
| Pre-tax net operating income | $674,000 | 5,610 |
| Securities gains (losses) | $50,000 | 2,306 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $724,000 | 4,897 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $724,000 | 4,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-101,000 | 9,089 |
| Cash dividends | $480,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $674,000 | 4,905 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,511,000 | 6,624 |
| Total interest expense | $436,000 | 6,758 |
| Net interest income | $1,075,000 | 6,423 |
| Provision for loan and lease losses | $86,000 | 4,207 |
| Total noninterest income | $131,000 | 6,903 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $65,000 | 6,162 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $66,000 | 6,086 |
| Total noninterest expense | $689,000 | 7,144 |
| Salaries and employee benefits | $403,000 | 6,916 |
| Premises and equipment expense | $98,000 | 6,822 |
| Additional noninterest expense | $188,000 | 7,300 |
| Pre-tax net operating income | $431,000 | 5,687 |
| Securities gains (losses) | $12,000 | 2,858 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $443,000 | 5,127 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $443,000 | 5,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 9,124 |
| Cash dividends | $393,000 | 2,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $431,000 | 4,999 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $780,000 | 6,553 |
| Total interest expense | $235,000 | 6,657 |
| Net interest income | $545,000 | 6,384 |
| Provision for loan and lease losses | $62,000 | 3,213 |
| Total noninterest income | $66,000 | 6,832 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 6,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $33,000 | 6,044 |
| Total noninterest expense | $344,000 | 7,168 |
| Salaries and employee benefits | $197,000 | 7,018 |
| Premises and equipment expense | $49,000 | 6,835 |
| Additional noninterest expense | $98,000 | 7,195 |
| Pre-tax net operating income | $205,000 | 5,783 |
| Securities gains (losses) | $12,000 | 2,102 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $217,000 | 5,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $217,000 | 5,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $205,000 | 5,079 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,479,000 | 6,360 |
| Total interest expense | $1,190,000 | 6,458 |
| Net interest income | $2,289,000 | 6,196 |
| Provision for loan and lease losses | $118,000 | 5,458 |
| Total noninterest income | $229,000 | 7,040 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $118,000 | 6,284 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $111,000 | 6,234 |
| Total noninterest expense | $1,501,000 | 6,840 |
| Salaries and employee benefits | $839,000 | 6,744 |
| Premises and equipment expense | $260,000 | 6,001 |
| Additional noninterest expense | $402,000 | 7,139 |
| Pre-tax net operating income | $899,000 | 5,492 |
| Securities gains (losses) | $51,000 | 2,387 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $950,000 | 4,733 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $950,000 | 4,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 2,694 |
| Cash dividends | $564,000 | 3,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $899,000 | 4,759 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,213,000 | 6,187 |
| Total interest expense | $1,883,000 | 6,292 |
| Net interest income | $2,330,000 | 5,962 |
| Provision for loan and lease losses | $96,000 | 5,687 |
| Total noninterest income | $265,000 | 6,718 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $115,000 | 6,317 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $150,000 | 5,549 |
| Total noninterest expense | $1,391,000 | 7,032 |
| Salaries and employee benefits | $819,000 | 6,702 |
| Premises and equipment expense | $226,000 | 6,403 |
| Additional noninterest expense | $346,000 | 7,541 |
| Pre-tax net operating income | $1,108,000 | 4,636 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $42,000 | 6,847 |
| Income before extraordinary items | $1,066,000 | 4,105 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,066,000 | 4,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,918 |
| Cash dividends | $492,000 | 3,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,066,000 | 3,984 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,947,000 | 6,532 |
| Total interest expense | $1,844,000 | 6,523 |
| Net interest income | $2,103,000 | 6,413 |
| Provision for loan and lease losses | $96,000 | 5,401 |
| Total noninterest income | $225,000 | 7,026 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 6,428 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,051 |
| Total noninterest expense | $1,337,000 | 7,147 |
| Salaries and employee benefits | $785,000 | 6,802 |
| Premises and equipment expense | $207,000 | 6,651 |
| Additional noninterest expense | $345,000 | 7,586 |
| Pre-tax net operating income | $895,000 | 5,567 |
| Securities gains (losses) | $-11,000 | 8,394 |
| Applicable income taxes | $33,000 | 7,548 |
| Income before extraordinary items | $851,000 | 4,855 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $851,000 | 4,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,825 |
| Cash dividends | $822,000 | 2,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $861,560 | 4,819 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,424,000 | 6,904 |
| Total interest expense | $1,530,000 | 6,903 |
| Net interest income | $1,894,000 | 6,835 |
| Provision for loan and lease losses | $138,000 | 4,462 |
| Total noninterest income | $232,000 | 7,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 6,547 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,110 |
| Total noninterest expense | $1,299,000 | 7,307 |
| Salaries and employee benefits | $745,000 | 7,005 |
| Premises and equipment expense | $217,000 | 6,545 |
| Additional noninterest expense | $337,000 | 7,815 |
| Pre-tax net operating income | $689,000 | 6,360 |
| Securities gains (losses) | $-53,000 | 9,806 |
| Applicable income taxes | $23,000 | 8,160 |
| Income before extraordinary items | $613,000 | 5,833 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $613,000 | 5,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,038 |
| Cash dividends | $359,000 | 4,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $663,880 | 5,580 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,556,000 | 6,894 |
| Total interest expense | $1,565,000 | 7,056 |
| Net interest income | $1,991,000 | 6,688 |
| Provision for loan and lease losses | $148,000 | 4,215 |
| Total noninterest income | $230,000 | 7,214 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,506 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 6,362 |
| Total noninterest expense | $1,333,000 | 7,147 |
| Salaries and employee benefits | $728,000 | 7,036 |
| Premises and equipment expense | $239,000 | 6,124 |
| Additional noninterest expense | $366,000 | 7,510 |
| Pre-tax net operating income | $740,000 | 6,339 |
| Securities gains (losses) | $-2,000 | 9,897 |
| Applicable income taxes | $430,000 | 4,234 |
| Income before extraordinary items | $308,000 | 7,818 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $308,000 | 7,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,036 |
| Cash dividends | $225,000 | 5,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $309,280 | 7,733 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,525,000 | 7,129 |
| Total interest expense | $1,533,000 | 7,268 |
| Net interest income | $1,992,000 | 6,927 |
| Provision for loan and lease losses | $359,000 | 2,290 |
| Total noninterest income | $198,000 | 7,865 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 6,834 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,347 |
| Total noninterest expense | $1,332,000 | 7,228 |
| Salaries and employee benefits | $664,000 | 7,521 |
| Premises and equipment expense | $253,000 | 6,016 |
| Additional noninterest expense | $415,000 | 7,226 |
| Pre-tax net operating income | $499,000 | 7,919 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $89,000 | 8,585 |
| Income before extraordinary items | $407,000 | 7,589 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $407,000 | 7,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,849 |
| Cash dividends | $258,000 | 4,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $409,460 | 7,522 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,489,000 | 7,409 |
| Total interest expense | $1,531,000 | 7,495 |
| Net interest income | $1,958,000 | 7,233 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $202,000 | 8,196 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,368 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,256 |
| Total noninterest expense | $1,262,000 | 7,790 |
| Salaries and employee benefits | $698,000 | 7,548 |
| Premises and equipment expense | $218,000 | 6,718 |
| Additional noninterest expense | $346,000 | 8,405 |
| Pre-tax net operating income | $898,000 | 6,092 |
| Securities gains (losses) | $-24,000 | 10,728 |
| Applicable income taxes | $245,000 | 6,513 |
| Income before extraordinary items | $629,000 | 6,096 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $629,000 | 6,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,320 |
| Cash dividends | $462,000 | 3,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $646,280 | 5,950 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,357,000 | 7,731 |
| Total interest expense | $1,454,000 | 7,814 |
| Net interest income | $1,903,000 | 7,524 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $189,000 | 8,604 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 7,904 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,422 |
| Total noninterest expense | $1,112,000 | 8,524 |
| Salaries and employee benefits | $664,000 | 7,965 |
| Premises and equipment expense | $169,000 | 7,842 |
| Additional noninterest expense | $279,000 | 9,499 |
| Pre-tax net operating income | $980,000 | 6,082 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $283,000 | 6,221 |
| Income before extraordinary items | $692,000 | 6,046 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $692,000 | 6,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 11,021 |
| Cash dividends | $306,000 | 4,453 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $695,550 | 6,004 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,087,000 | 7,907 |
| Total interest expense | $1,193,000 | 7,933 |
| Net interest income | $1,894,000 | 7,820 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $167,000 | 9,366 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,738 |
| Total noninterest expense | $1,110,000 | 8,947 |
| Salaries and employee benefits | $610,000 | 8,545 |
| Premises and equipment expense | $164,000 | 8,211 |
| Additional noninterest expense | $336,000 | 9,530 |
| Pre-tax net operating income | $951,000 | 6,166 |
| Securities gains (losses) | $-90,000 | 11,462 |
| Applicable income taxes | $261,000 | 6,379 |
| Income before extraordinary items | $600,000 | 6,542 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $600,000 | 6,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 11,116 |
| Cash dividends | $648,000 | 2,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $663,000 | 6,200 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,111,000 | 8,158 |
| Total interest expense | $1,193,000 | 8,277 |
| Net interest income | $1,918,000 | 7,918 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $168,000 | 9,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,937 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,379 |
| Total noninterest expense | $1,142,000 | 9,146 |
| Salaries and employee benefits | $638,000 | 8,492 |
| Premises and equipment expense | $161,000 | 8,616 |
| Additional noninterest expense | $343,000 | 9,921 |
| Pre-tax net operating income | $944,000 | 6,144 |
| Securities gains (losses) | $12,000 | 5,266 |
| Applicable income taxes | $299,000 | 6,097 |
| Income before extraordinary items | $657,000 | 6,380 |
| Extraordinary gains, net | $-87,000 | 12,890 |
| Net income | $570,000 | 7,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 12,449 |
| Cash dividends | $1,050,000 | 1,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $648,720 | 6,198 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,507,000 | 8,173 |
| Total interest expense | $1,502,000 | 8,503 |
| Net interest income | $2,005,000 | 7,747 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $122,000 | 11,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 9,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $1,103,000 | 9,498 |
| Salaries and employee benefits | $604,000 | 8,768 |
| Premises and equipment expense | $186,000 | 8,166 |
| Additional noninterest expense | $313,000 | 10,647 |
| Pre-tax net operating income | $1,024,000 | 5,526 |
| Securities gains (losses) | $31,000 | 4,927 |
| Applicable income taxes | $341,000 | 5,456 |
| Income before extraordinary items | $714,000 | 5,832 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $714,000 | 5,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 13,300 |
| Cash dividends | $620,000 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $692,920 | 5,638 |
* 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.