Home > The First National Bank, Oelwein > Income and Expense
The First National Bank, Oelwein, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,989,000 | 5,278 |
| Total interest expense | $1,552,000 | 4,687 |
| Net interest income | $1,437,000 | 5,688 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $274,000 | 4,866 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $179,000 | 3,742 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $95,000 | 5,216 |
| Total noninterest expense | $1,305,000 | 5,468 |
| Salaries and employee benefits | $781,000 | 5,209 |
| Premises and equipment expense | $176,000 | 5,407 |
| Additional noninterest expense | $348,000 | 5,702 |
| Pre-tax net operating income | $406,000 | 5,486 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $74,000 | 4,429 |
| Income before extraordinary items | $332,000 | 5,444 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $332,000 | 5,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,770 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $332,000 | 5,433 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,463,000 | 5,343 |
| Total interest expense | $755,000 | 4,763 |
| Net interest income | $708,000 | 5,731 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $146,000 | 4,704 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $82,000 | 3,854 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $64,000 | 4,621 |
| Total noninterest expense | $679,000 | 5,350 |
| Salaries and employee benefits | $402,000 | 5,149 |
| Premises and equipment expense | $99,000 | 5,082 |
| Additional noninterest expense | $178,000 | 5,624 |
| Pre-tax net operating income | $175,000 | 5,770 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $36,000 | 4,461 |
| Income before extraordinary items | $139,000 | 5,799 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $139,000 | 5,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,481 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $139,000 | 5,778 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,909,000 | 5,067 |
| Total interest expense | $2,907,000 | 4,398 |
| Net interest income | $3,002,000 | 5,523 |
| Provision for loan and lease losses | $390,000 | 2,314 |
| Total noninterest income | $548,000 | 4,932 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $341,000 | 3,869 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $207,000 | 5,061 |
| Total noninterest expense | $2,662,000 | 5,285 |
| Salaries and employee benefits | $1,357,000 | 5,506 |
| Premises and equipment expense | $450,000 | 4,566 |
| Additional noninterest expense | $855,000 | 5,021 |
| Pre-tax net operating income | $498,000 | 6,496 |
| Securities gains (losses) | $-16,000 | 7,468 |
| Applicable income taxes | $61,000 | 5,319 |
| Income before extraordinary items | $421,000 | 6,437 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $421,000 | 6,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 1,854 |
| Cash dividends | $630,000 | 3,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $434,920 | 6,391 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,401,000 | 5,075 |
| Total interest expense | $2,137,000 | 4,367 |
| Net interest income | $2,264,000 | 5,550 |
| Provision for loan and lease losses | $354,000 | 1,890 |
| Total noninterest income | $426,000 | 4,877 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $254,000 | 3,916 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $172,000 | 4,857 |
| Total noninterest expense | $1,990,000 | 5,284 |
| Salaries and employee benefits | $1,018,000 | 5,497 |
| Premises and equipment expense | $347,000 | 4,483 |
| Additional noninterest expense | $625,000 | 5,085 |
| Pre-tax net operating income | $346,000 | 6,800 |
| Securities gains (losses) | $-16,000 | 7,758 |
| Applicable income taxes | $33,000 | 5,694 |
| Income before extraordinary items | $297,000 | 6,734 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $297,000 | 6,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,508 |
| Cash dividends | $630,000 | 2,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $311,400 | 6,676 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,930,000 | 5,035 |
| Total interest expense | $1,385,000 | 4,321 |
| Net interest income | $1,545,000 | 5,503 |
| Provision for loan and lease losses | $101,000 | 3,290 |
| Total noninterest income | $272,000 | 4,966 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $158,000 | 4,030 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $114,000 | 4,856 |
| Total noninterest expense | $1,339,000 | 5,258 |
| Salaries and employee benefits | $687,000 | 5,489 |
| Premises and equipment expense | $237,000 | 4,421 |
| Additional noninterest expense | $415,000 | 5,079 |
| Pre-tax net operating income | $377,000 | 6,016 |
| Securities gains (losses) | $-16,000 | 8,012 |
| Applicable income taxes | $77,000 | 4,811 |
| Income before extraordinary items | $284,000 | 6,134 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $284,000 | 6,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,967 |
| Cash dividends | $130,000 | 4,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $296,640 | 6,038 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,443,000 | 5,016 |
| Total interest expense | $668,000 | 4,294 |
| Net interest income | $775,000 | 5,487 |
| Provision for loan and lease losses | $35,000 | 3,693 |
| Total noninterest income | $134,000 | 4,950 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $71,000 | 4,194 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $685,000 | 5,194 |
| Salaries and employee benefits | $342,000 | 5,508 |
| Premises and equipment expense | $125,000 | 4,297 |
| Additional noninterest expense | $218,000 | 4,907 |
| Pre-tax net operating income | $189,000 | 5,956 |
| Securities gains (losses) | $-16,000 | 8,334 |
| Applicable income taxes | $36,000 | 4,838 |
| Income before extraordinary items | $137,000 | 6,147 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $137,000 | 6,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,748 |
| Cash dividends | $130,000 | 2,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $149,640 | 5,981 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,277,000 | 4,985 |
| Total interest expense | $2,216,000 | 4,135 |
| Net interest income | $3,061,000 | 5,442 |
| Provision for loan and lease losses | $278,000 | 2,988 |
| Total noninterest income | $536,000 | 5,072 |
| Gross Fiduciary activities income | $1,000 | 1,485 |
| Service charges on deposit accounts | $307,000 | 4,117 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $228,000 | 4,909 |
| Total noninterest expense | $2,588,000 | 5,256 |
| Salaries and employee benefits | $1,331,000 | 5,453 |
| Premises and equipment expense | $492,000 | 4,233 |
| Additional noninterest expense | $765,000 | 5,312 |
| Pre-tax net operating income | $731,000 | 6,072 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $168,000 | 4,885 |
| Income before extraordinary items | $562,000 | 6,137 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $562,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,280 |
| Cash dividends | $600,000 | 3,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $562,770 | 6,101 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,842,000 | 5,051 |
| Total interest expense | $1,551,000 | 4,194 |
| Net interest income | $2,291,000 | 5,459 |
| Provision for loan and lease losses | $251,000 | 2,541 |
| Total noninterest income | $407,000 | 5,072 |
| Gross Fiduciary activities income | $1,000 | 1,428 |
| Service charges on deposit accounts | $233,000 | 4,111 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $173,000 | 4,923 |
| Total noninterest expense | $1,911,000 | 5,292 |
| Salaries and employee benefits | $985,000 | 5,465 |
| Premises and equipment expense | $380,000 | 4,126 |
| Additional noninterest expense | $546,000 | 5,439 |
| Pre-tax net operating income | $536,000 | 6,257 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $130,000 | 4,982 |
| Income before extraordinary items | $405,000 | 6,341 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $405,000 | 6,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 1,870 |
| Cash dividends | $450,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $405,760 | 6,302 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,493,000 | 5,070 |
| Total interest expense | $955,000 | 4,264 |
| Net interest income | $1,538,000 | 5,420 |
| Provision for loan and lease losses | $175,000 | 2,402 |
| Total noninterest income | $258,000 | 5,142 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $142,000 | 4,277 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $115,000 | 4,902 |
| Total noninterest expense | $1,292,000 | 5,230 |
| Salaries and employee benefits | $672,000 | 5,375 |
| Premises and equipment expense | $263,000 | 3,989 |
| Additional noninterest expense | $357,000 | 5,458 |
| Pre-tax net operating income | $329,000 | 6,409 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $80,000 | 5,075 |
| Income before extraordinary items | $251,000 | 6,505 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $251,000 | 6,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 1,404 |
| Cash dividends | $150,000 | 3,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $249,480 | 6,470 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,219,000 | 5,128 |
| Total interest expense | $452,000 | 4,326 |
| Net interest income | $767,000 | 5,466 |
| Provision for loan and lease losses | $24,000 | 4,451 |
| Total noninterest income | $114,000 | 5,400 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $63,000 | 4,498 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $50,000 | 5,188 |
| Total noninterest expense | $635,000 | 5,319 |
| Salaries and employee benefits | $330,000 | 5,478 |
| Premises and equipment expense | $128,000 | 4,125 |
| Additional noninterest expense | $177,000 | 5,469 |
| Pre-tax net operating income | $222,000 | 5,724 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $50,000 | 4,748 |
| Income before extraordinary items | $172,000 | 5,780 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $172,000 | 5,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,116 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $172,000 | 5,745 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,852,000 | 4,952 |
| Total interest expense | $1,705,000 | 4,135 |
| Net interest income | $3,147,000 | 5,277 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $333,000 | 6,191 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $281,000 | 4,462 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $52,000 | 7,358 |
| Total noninterest expense | $2,504,000 | 5,302 |
| Salaries and employee benefits | $1,274,000 | 5,508 |
| Premises and equipment expense | $553,000 | 3,787 |
| Additional noninterest expense | $677,000 | 5,627 |
| Pre-tax net operating income | $976,000 | 5,297 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $266,000 | 4,371 |
| Income before extraordinary items | $713,000 | 5,534 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $713,000 | 5,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,277 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $710,810 | 5,462 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,610,000 | 4,961 |
| Total interest expense | $1,265,000 | 4,117 |
| Net interest income | $2,345,000 | 5,281 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $251,000 | 6,220 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $212,000 | 4,482 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $39,000 | 7,392 |
| Total noninterest expense | $1,909,000 | 5,197 |
| Salaries and employee benefits | $962,000 | 5,449 |
| Premises and equipment expense | $424,000 | 3,717 |
| Additional noninterest expense | $523,000 | 5,501 |
| Pre-tax net operating income | $687,000 | 5,565 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $183,000 | 4,578 |
| Income before extraordinary items | $507,000 | 5,783 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $507,000 | 5,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,635 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $504,810 | 5,721 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,389,000 | 4,998 |
| Total interest expense | $833,000 | 4,158 |
| Net interest income | $1,556,000 | 5,290 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $163,000 | 6,289 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $135,000 | 4,590 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $28,000 | 7,329 |
| Total noninterest expense | $1,245,000 | 5,304 |
| Salaries and employee benefits | $632,000 | 5,522 |
| Premises and equipment expense | $267,000 | 3,874 |
| Additional noninterest expense | $346,000 | 5,550 |
| Pre-tax net operating income | $474,000 | 5,445 |
| Securities gains (losses) | $-6,000 | 8,606 |
| Applicable income taxes | $126,000 | 4,529 |
| Income before extraordinary items | $342,000 | 5,734 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $342,000 | 5,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,834 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $346,380 | 5,618 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,201,000 | 4,993 |
| Total interest expense | $414,000 | 4,219 |
| Net interest income | $787,000 | 5,265 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $83,000 | 6,207 |
| 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 | $20,000 | 6,798 |
| Total noninterest expense | $632,000 | 5,275 |
| Salaries and employee benefits | $316,000 | 5,570 |
| Premises and equipment expense | $140,000 | 3,776 |
| Additional noninterest expense | $176,000 | 5,500 |
| Pre-tax net operating income | $238,000 | 5,403 |
| Securities gains (losses) | $5,000 | 2,336 |
| Applicable income taxes | $65,000 | 4,461 |
| Income before extraordinary items | $178,000 | 5,622 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $178,000 | 5,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $174,350 | 5,552 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,748,000 | 5,072 |
| Total interest expense | $1,763,000 | 4,410 |
| Net interest income | $2,985,000 | 5,322 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $283,000 | 6,705 |
| Gross Fiduciary activities income | $4,000 | 1,466 |
| Service charges on deposit accounts | $276,000 | 4,507 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,000 | 8,956 |
| Total noninterest expense | $2,614,000 | 5,055 |
| Salaries and employee benefits | $1,329,000 | 5,268 |
| Premises and equipment expense | $500,000 | 4,054 |
| Additional noninterest expense | $785,000 | 5,119 |
| Pre-tax net operating income | $654,000 | 6,148 |
| Securities gains (losses) | $22,000 | 3,160 |
| Applicable income taxes | $146,000 | 5,313 |
| Income before extraordinary items | $530,000 | 6,220 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $530,000 | 6,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 3,282 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $512,840 | 6,131 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,565,000 | 5,133 |
| Total interest expense | $1,348,000 | 4,479 |
| Net interest income | $2,217,000 | 5,368 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $251,000 | 6,398 |
| Gross Fiduciary activities income | $3,000 | 1,448 |
| Service charges on deposit accounts | $208,000 | 4,511 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $40,000 | 7,508 |
| Total noninterest expense | $1,930,000 | 5,108 |
| Salaries and employee benefits | $1,004,000 | 5,239 |
| Premises and equipment expense | $364,000 | 4,155 |
| Additional noninterest expense | $562,000 | 5,243 |
| Pre-tax net operating income | $538,000 | 6,126 |
| Securities gains (losses) | $20,000 | 2,954 |
| Applicable income taxes | $136,000 | 5,236 |
| Income before extraordinary items | $422,000 | 6,230 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $422,000 | 6,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $406,800 | 6,139 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,383,000 | 5,154 |
| Total interest expense | $921,000 | 4,515 |
| Net interest income | $1,462,000 | 5,403 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $161,000 | 6,480 |
| Gross Fiduciary activities income | $2,000 | 1,432 |
| Service charges on deposit accounts | $128,000 | 4,692 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $31,000 | 7,275 |
| Total noninterest expense | $1,285,000 | 5,106 |
| Salaries and employee benefits | $681,000 | 5,183 |
| Premises and equipment expense | $239,000 | 4,194 |
| Additional noninterest expense | $365,000 | 5,327 |
| Pre-tax net operating income | $338,000 | 6,252 |
| Securities gains (losses) | $20,000 | 2,610 |
| Applicable income taxes | $78,000 | 5,441 |
| Income before extraordinary items | $280,000 | 6,250 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $280,000 | 6,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $264,400 | 6,195 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,212,000 | 5,116 |
| Total interest expense | $472,000 | 4,525 |
| Net interest income | $740,000 | 5,360 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $84,000 | 6,303 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $63,000 | 4,635 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $648,000 | 5,077 |
| Salaries and employee benefits | $347,000 | 5,132 |
| Premises and equipment expense | $126,000 | 4,003 |
| Additional noninterest expense | $175,000 | 5,453 |
| Pre-tax net operating income | $176,000 | 6,145 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $40,000 | 5,397 |
| Income before extraordinary items | $136,000 | 6,247 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $136,000 | 6,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $136,000 | 6,076 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,299,000 | 4,974 |
| Total interest expense | $2,154,000 | 4,579 |
| Net interest income | $3,145,000 | 5,145 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $443,000 | 5,524 |
| Gross Fiduciary activities income | $9,000 | 1,429 |
| Service charges on deposit accounts | $246,000 | 4,737 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $188,000 | 5,152 |
| Total noninterest expense | $2,613,000 | 4,935 |
| Salaries and employee benefits | $1,384,000 | 4,982 |
| Premises and equipment expense | $546,000 | 3,685 |
| Additional noninterest expense | $683,000 | 5,487 |
| Pre-tax net operating income | $975,000 | 5,271 |
| Securities gains (losses) | $20,000 | 3,147 |
| Applicable income taxes | $301,000 | 4,444 |
| Income before extraordinary items | $694,000 | 5,587 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $694,000 | 5,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,939 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $680,000 | 5,489 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,119,000 | 5,534 |
| Total interest expense | $2,733,000 | 5,073 |
| Net interest income | $2,386,000 | 5,873 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $315,000 | 6,285 |
| Gross Fiduciary activities income | $23,000 | 1,282 |
| Service charges on deposit accounts | $170,000 | 5,515 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $122,000 | 5,970 |
| Total noninterest expense | $2,473,000 | 4,987 |
| Salaries and employee benefits | $1,235,000 | 5,206 |
| Premises and equipment expense | $498,000 | 3,877 |
| Additional noninterest expense | $740,000 | 5,064 |
| Pre-tax net operating income | $228,000 | 7,749 |
| Securities gains (losses) | $241,000 | 1,047 |
| Applicable income taxes | $15,000 | 7,441 |
| Income before extraordinary items | $454,000 | 6,288 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $454,000 | 6,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,952 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $220,230 | 7,478 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,030,000 | 9,374 |
| Total interest expense | $564,000 | 9,128 |
| Net interest income | $466,000 | 9,499 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $32,000 | 9,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 8,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,421 |
| Total noninterest expense | $724,000 | 8,761 |
| Salaries and employee benefits | $321,000 | 9,163 |
| Premises and equipment expense | $142,000 | 7,724 |
| Additional noninterest expense | $261,000 | 8,252 |
| Pre-tax net operating income | $-226,000 | 9,361 |
| Securities gains (losses) | $-42,000 | 9,121 |
| Applicable income taxes | $-85,000 | 9,555 |
| Income before extraordinary items | $-183,000 | 9,360 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-183,000 | 9,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,236 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-154,440 | 9,326 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,190,000 | 5,441 |
| Total interest expense | $2,859,000 | 4,771 |
| Net interest income | $2,331,000 | 6,058 |
| Provision for loan and lease losses | $1,286,000 | 801 |
| Total noninterest income | $405,000 | 5,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,418 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 5,687 |
| Total noninterest expense | $2,554,000 | 4,803 |
| Salaries and employee benefits | $923,000 | 6,207 |
| Premises and equipment expense | $217,000 | 6,545 |
| Additional noninterest expense | $1,414,000 | 3,008 |
| Pre-tax net operating income | $-1,104,000 | 10,075 |
| Securities gains (losses) | $-14,000 | 9,441 |
| Applicable income taxes | $-535,000 | 10,138 |
| Income before extraordinary items | $-583,000 | 9,950 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-583,000 | 9,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $574,000 | 1,097 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-574,040 | 9,925 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,136,000 | 4,920 |
| Total interest expense | $3,258,000 | 4,420 |
| Net interest income | $2,878,000 | 5,289 |
| Provision for loan and lease losses | $140,000 | 4,320 |
| Total noninterest income | $470,000 | 5,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $306,000 | 3,886 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,461 |
| Total noninterest expense | $2,385,000 | 4,923 |
| Salaries and employee benefits | $913,000 | 6,145 |
| Premises and equipment expense | $268,000 | 5,724 |
| Additional noninterest expense | $1,204,000 | 3,366 |
| Pre-tax net operating income | $823,000 | 5,997 |
| Securities gains (losses) | $50,000 | 1,732 |
| Applicable income taxes | $227,000 | 5,868 |
| Income before extraordinary items | $646,000 | 5,838 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $646,000 | 5,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,085 |
| Cash dividends | $500,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $609,000 | 5,904 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,970,000 | 5,100 |
| Total interest expense | $3,270,000 | 4,373 |
| Net interest income | $2,700,000 | 5,760 |
| Provision for loan and lease losses | $295,000 | 2,666 |
| Total noninterest income | $536,000 | 4,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $317,000 | 3,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,734 |
| Total noninterest expense | $2,405,000 | 4,940 |
| Salaries and employee benefits | $1,160,000 | 5,245 |
| Premises and equipment expense | $295,000 | 5,499 |
| Additional noninterest expense | $950,000 | 4,097 |
| Pre-tax net operating income | $536,000 | 7,729 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $80,000 | 8,742 |
| Income before extraordinary items | $451,000 | 7,300 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $451,000 | 7,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 1,969 |
| Cash dividends | $175,000 | 5,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $455,250 | 7,214 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,617,000 | 5,432 |
| Total interest expense | $3,065,000 | 4,694 |
| Net interest income | $2,552,000 | 6,107 |
| Provision for loan and lease losses | $53,000 | 6,487 |
| Total noninterest income | $553,000 | 4,828 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,743 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,000 | 5,130 |
| Total noninterest expense | $2,084,000 | 5,762 |
| Salaries and employee benefits | $1,023,000 | 5,896 |
| Premises and equipment expense | $257,000 | 6,151 |
| Additional noninterest expense | $804,000 | 5,177 |
| Pre-tax net operating income | $968,000 | 5,848 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $232,000 | 6,682 |
| Income before extraordinary items | $739,000 | 5,587 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $739,000 | 5,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,074 |
| Cash dividends | $250,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $736,720 | 5,545 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,372,000 | 5,679 |
| Total interest expense | $2,863,000 | 4,968 |
| Net interest income | $2,509,000 | 6,301 |
| Provision for loan and lease losses | $132,000 | 3,911 |
| Total noninterest income | $554,000 | 4,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $358,000 | 3,700 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 5,191 |
| Total noninterest expense | $2,006,000 | 5,967 |
| Salaries and employee benefits | $886,000 | 6,625 |
| Premises and equipment expense | $311,000 | 5,475 |
| Additional noninterest expense | $809,000 | 5,212 |
| Pre-tax net operating income | $925,000 | 6,301 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $253,000 | 6,605 |
| Income before extraordinary items | $668,000 | 6,188 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $668,000 | 6,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,213 |
| Cash dividends | $1,151,000 | 1,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $670,920 | 6,149 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,831,000 | 5,820 |
| Total interest expense | $2,265,000 | 5,049 |
| Net interest income | $2,566,000 | 6,333 |
| Provision for loan and lease losses | $150,000 | 3,586 |
| Total noninterest income | $431,000 | 5,844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 4,359 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,643 |
| Total noninterest expense | $1,989,000 | 6,232 |
| Salaries and employee benefits | $891,000 | 6,701 |
| Premises and equipment expense | $311,000 | 5,548 |
| Additional noninterest expense | $787,000 | 5,770 |
| Pre-tax net operating income | $858,000 | 6,590 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $300,000 | 5,876 |
| Income before extraordinary items | $558,000 | 6,847 |
| Extraordinary gains, net | $300,000 | 50 |
| Net income | $858,000 | 5,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,250 |
| Cash dividends | $150,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $558,000 | 6,896 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,396,000 | 6,419 |
| Total interest expense | $2,141,000 | 5,515 |
| Net interest income | $2,255,000 | 7,027 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $397,000 | 6,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,811 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 7,138 |
| Total noninterest expense | $1,873,000 | 6,692 |
| Salaries and employee benefits | $821,000 | 7,194 |
| Premises and equipment expense | $292,000 | 5,990 |
| Additional noninterest expense | $760,000 | 6,174 |
| Pre-tax net operating income | $779,000 | 6,924 |
| Securities gains (losses) | $19,000 | 4,737 |
| Applicable income taxes | $259,000 | 6,663 |
| Income before extraordinary items | $539,000 | 7,233 |
| Extraordinary gains, net | $259,000 | 807 |
| Net income | $798,000 | 5,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 12,031 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $526,080 | 7,086 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,583,000 | 6,791 |
| Total interest expense | $2,406,000 | 6,171 |
| Net interest income | $2,177,000 | 7,301 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $383,000 | 6,701 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 5,066 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 7,194 |
| Total noninterest expense | $1,748,000 | 7,120 |
| Salaries and employee benefits | $777,000 | 7,417 |
| Premises and equipment expense | $275,000 | 6,364 |
| Additional noninterest expense | $696,000 | 6,772 |
| Pre-tax net operating income | $812,000 | 6,510 |
| Securities gains (losses) | $149,000 | 2,425 |
| Applicable income taxes | $322,000 | 5,667 |
| Income before extraordinary items | $639,000 | 6,301 |
| Extraordinary gains, net | $322,000 | 293 |
| Net income | $961,000 | 4,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 13,392 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $540,660 | 6,628 |
* 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.