Home > The First National Bank of Bryan > Income and Expense
The First National Bank of Bryan, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,381,000 | 1,266 |
| Total interest expense | $3,624,000 | 1,371 |
| Net interest income | $4,757,000 | 1,192 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,964,000 | 764 |
| Gross Fiduciary activities income | $206,000 | 476 |
| Service charges on deposit accounts | $874,000 | 481 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $884,000 | 927 |
| Total noninterest expense | $4,717,000 | 993 |
| Salaries and employee benefits | $3,074,000 | 824 |
| Premises and equipment expense | $395,000 | 1,688 |
| Additional noninterest expense | $1,248,000 | 1,087 |
| Pre-tax net operating income | $2,004,000 | 1,173 |
| Securities gains (losses) | $599,000 | 102 |
| Applicable income taxes | $689,000 | 994 |
| Income before extraordinary items | $1,914,000 | 922 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,914,000 | 921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,092 |
| Cash dividends | $292,000 | 2,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,470,740 | 1,186 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $30,212,000 | 1,302 |
| Total interest expense | $11,361,000 | 1,480 |
| Net interest income | $18,851,000 | 1,189 |
| Provision for loan and lease losses | $360,000 | 2,452 |
| Total noninterest income | $7,351,000 | 799 |
| Gross Fiduciary activities income | $831,000 | 458 |
| Service charges on deposit accounts | $3,415,000 | 501 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,105,000 | 969 |
| Total noninterest expense | $15,422,000 | 1,172 |
| Salaries and employee benefits | $8,100,000 | 1,203 |
| Premises and equipment expense | $1,624,000 | 1,587 |
| Additional noninterest expense | $5,698,000 | 932 |
| Pre-tax net operating income | $10,420,000 | 942 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,501,000 | 1,099 |
| Income before extraordinary items | $7,919,000 | 940 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,919,000 | 940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 3,558 |
| Cash dividends | $1,071,000 | 2,459 |
| Sale, conversion, retirement of capital stock, net | $-156,000 | 8,606 |
| Net operating income | $7,919,000 | 931 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,163,000 | 1,327 |
| Total interest expense | $8,096,000 | 1,514 |
| Net interest income | $14,067,000 | 1,209 |
| Provision for loan and lease losses | $360,000 | 1,848 |
| Total noninterest income | $5,392,000 | 821 |
| Gross Fiduciary activities income | $621,000 | 456 |
| Service charges on deposit accounts | $2,486,000 | 516 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,285,000 | 998 |
| Total noninterest expense | $11,641,000 | 1,166 |
| Salaries and employee benefits | $6,228,000 | 1,190 |
| Premises and equipment expense | $1,214,000 | 1,600 |
| Additional noninterest expense | $4,199,000 | 951 |
| Pre-tax net operating income | $7,458,000 | 1,029 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,868,000 | 1,151 |
| Income before extraordinary items | $5,590,000 | 1,040 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,590,000 | 1,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,707 |
| Cash dividends | $803,000 | 2,236 |
| Sale, conversion, retirement of capital stock, net | $-126,000 | 8,691 |
| Net operating income | $5,590,000 | 1,023 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,593,000 | 1,319 |
| Total interest expense | $5,240,000 | 1,480 |
| Net interest income | $9,353,000 | 1,210 |
| Provision for loan and lease losses | $225,000 | 1,918 |
| Total noninterest income | $3,314,000 | 877 |
| Gross Fiduciary activities income | $425,000 | 454 |
| Service charges on deposit accounts | $1,631,000 | 520 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,258,000 | 1,148 |
| Total noninterest expense | $7,599,000 | 1,204 |
| Salaries and employee benefits | $4,091,000 | 1,218 |
| Premises and equipment expense | $785,000 | 1,643 |
| Additional noninterest expense | $2,723,000 | 993 |
| Pre-tax net operating income | $4,843,000 | 1,047 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,200,000 | 1,201 |
| Income before extraordinary items | $3,643,000 | 1,053 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,643,000 | 1,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,112 |
| Cash dividends | $536,000 | 2,269 |
| Sale, conversion, retirement of capital stock, net | $-17,000 | 8,712 |
| Net operating income | $3,643,000 | 1,039 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,434,000 | 1,272 |
| Total interest expense | $2,698,000 | 1,372 |
| Net interest income | $4,736,000 | 1,191 |
| Provision for loan and lease losses | $135,000 | 1,590 |
| Total noninterest income | $1,535,000 | 914 |
| Gross Fiduciary activities income | $209,000 | 464 |
| Service charges on deposit accounts | $759,000 | 540 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $567,000 | 1,225 |
| Total noninterest expense | $3,945,000 | 1,153 |
| Salaries and employee benefits | $2,044,000 | 1,215 |
| Premises and equipment expense | $389,000 | 1,656 |
| Additional noninterest expense | $1,512,000 | 879 |
| Pre-tax net operating income | $2,191,000 | 1,132 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $520,000 | 1,349 |
| Income before extraordinary items | $1,671,000 | 1,122 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,671,000 | 1,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $268,000 | 2,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,671,000 | 1,103 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $23,394,000 | 1,431 |
| Total interest expense | $6,339,000 | 1,785 |
| Net interest income | $17,055,000 | 1,274 |
| Provision for loan and lease losses | $499,000 | 1,912 |
| Total noninterest income | $5,896,000 | 954 |
| Gross Fiduciary activities income | $740,000 | 472 |
| Service charges on deposit accounts | $2,864,000 | 593 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,292,000 | 1,227 |
| Total noninterest expense | $15,455,000 | 1,105 |
| Salaries and employee benefits | $7,511,000 | 1,227 |
| Premises and equipment expense | $1,563,000 | 1,560 |
| Additional noninterest expense | $6,381,000 | 810 |
| Pre-tax net operating income | $6,997,000 | 1,369 |
| Securities gains (losses) | $22,000 | 1,227 |
| Applicable income taxes | $1,434,000 | 1,761 |
| Income before extraordinary items | $5,585,000 | 1,285 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,585,000 | 1,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,283 |
| Cash dividends | $976,000 | 2,532 |
| Sale, conversion, retirement of capital stock, net | $-312,000 | 8,790 |
| Net operating income | $5,567,400 | 1,270 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,577,000 | 1,468 |
| Total interest expense | $4,151,000 | 1,925 |
| Net interest income | $12,426,000 | 1,302 |
| Provision for loan and lease losses | $270,000 | 2,383 |
| Total noninterest income | $4,330,000 | 977 |
| Gross Fiduciary activities income | $557,000 | 463 |
| Service charges on deposit accounts | $2,126,000 | 593 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,647,000 | 1,267 |
| Total noninterest expense | $10,885,000 | 1,182 |
| Salaries and employee benefits | $5,546,000 | 1,240 |
| Premises and equipment expense | $1,091,000 | 1,673 |
| Additional noninterest expense | $4,248,000 | 894 |
| Pre-tax net operating income | $5,601,000 | 1,283 |
| Securities gains (losses) | $22,000 | 1,196 |
| Applicable income taxes | $1,186,000 | 1,668 |
| Income before extraordinary items | $4,437,000 | 1,226 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,437,000 | 1,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $733,000 | 2,247 |
| Sale, conversion, retirement of capital stock, net | $-296,000 | 8,830 |
| Net operating income | $4,419,620 | 1,198 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,766,000 | 1,460 |
| Total interest expense | $2,546,000 | 1,958 |
| Net interest income | $8,220,000 | 1,305 |
| Provision for loan and lease losses | $180,000 | 2,307 |
| Total noninterest income | $2,890,000 | 955 |
| Gross Fiduciary activities income | $356,000 | 476 |
| Service charges on deposit accounts | $1,425,000 | 579 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,109,000 | 1,239 |
| Total noninterest expense | $6,979,000 | 1,217 |
| Salaries and employee benefits | $3,649,000 | 1,256 |
| Premises and equipment expense | $697,000 | 1,720 |
| Additional noninterest expense | $2,633,000 | 964 |
| Pre-tax net operating income | $3,951,000 | 1,185 |
| Securities gains (losses) | $22,000 | 1,077 |
| Applicable income taxes | $845,000 | 1,552 |
| Income before extraordinary items | $3,128,000 | 1,122 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,128,000 | 1,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $489,000 | 2,258 |
| Sale, conversion, retirement of capital stock, net | $-296,000 | 8,848 |
| Net operating income | $3,110,620 | 1,106 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,233,000 | 1,474 |
| Total interest expense | $1,155,000 | 2,044 |
| Net interest income | $4,078,000 | 1,312 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $1,394,000 | 963 |
| Gross Fiduciary activities income | $173,000 | 494 |
| Service charges on deposit accounts | $689,000 | 578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $532,000 | 1,271 |
| Total noninterest expense | $3,551,000 | 1,190 |
| Salaries and employee benefits | $1,827,000 | 1,261 |
| Premises and equipment expense | $344,000 | 1,748 |
| Additional noninterest expense | $1,380,000 | 911 |
| Pre-tax net operating income | $1,831,000 | 1,249 |
| Securities gains (losses) | $14,000 | 908 |
| Applicable income taxes | $330,000 | 1,849 |
| Income before extraordinary items | $1,515,000 | 1,143 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,515,000 | 1,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $245,000 | 2,012 |
| Sale, conversion, retirement of capital stock, net | $-47,000 | 8,903 |
| Net operating income | $1,503,520 | 1,128 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,261,000 | 1,667 |
| Total interest expense | $3,087,000 | 2,564 |
| Net interest income | $14,174,000 | 1,421 |
| Provision for loan and lease losses | $170,000 | 4,037 |
| Total noninterest income | $5,594,000 | 988 |
| Gross Fiduciary activities income | $666,000 | 470 |
| Service charges on deposit accounts | $3,013,000 | 573 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,915,000 | 1,364 |
| Total noninterest expense | $12,963,000 | 1,270 |
| Salaries and employee benefits | $6,837,000 | 1,284 |
| Premises and equipment expense | $1,394,000 | 1,676 |
| Additional noninterest expense | $4,732,000 | 1,059 |
| Pre-tax net operating income | $6,635,000 | 1,302 |
| Securities gains (losses) | $4,000 | 3,277 |
| Applicable income taxes | $1,562,000 | 1,553 |
| Income before extraordinary items | $5,077,000 | 1,285 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,077,000 | 1,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-155,000 | 8,847 |
| Cash dividends | $882,000 | 2,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,073,960 | 1,252 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,712,000 | 1,674 |
| Total interest expense | $2,188,000 | 2,649 |
| Net interest income | $10,524,000 | 1,422 |
| Provision for loan and lease losses | $140,000 | 3,657 |
| Total noninterest income | $4,221,000 | 992 |
| Gross Fiduciary activities income | $501,000 | 472 |
| Service charges on deposit accounts | $2,274,000 | 572 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,446,000 | 1,370 |
| Total noninterest expense | $9,418,000 | 1,308 |
| Salaries and employee benefits | $5,194,000 | 1,269 |
| Premises and equipment expense | $1,032,000 | 1,689 |
| Additional noninterest expense | $3,192,000 | 1,151 |
| Pre-tax net operating income | $5,187,000 | 1,264 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $1,257,000 | 1,486 |
| Income before extraordinary items | $3,934,000 | 1,254 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,934,000 | 1,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-211,000 | 8,922 |
| Cash dividends | $662,000 | 2,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,930,960 | 1,219 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,411,000 | 1,669 |
| Total interest expense | $1,427,000 | 2,677 |
| Net interest income | $6,984,000 | 1,415 |
| Provision for loan and lease losses | $140,000 | 2,884 |
| Total noninterest income | $2,752,000 | 999 |
| Gross Fiduciary activities income | $332,000 | 474 |
| Service charges on deposit accounts | $1,454,000 | 599 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $966,000 | 1,358 |
| Total noninterest expense | $6,230,000 | 1,310 |
| Salaries and employee benefits | $3,543,000 | 1,231 |
| Premises and equipment expense | $683,000 | 1,692 |
| Additional noninterest expense | $2,004,000 | 1,200 |
| Pre-tax net operating income | $3,366,000 | 1,267 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $819,000 | 1,507 |
| Income before extraordinary items | $2,551,000 | 1,270 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,551,000 | 1,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-210,000 | 8,989 |
| Cash dividends | $441,000 | 2,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,547,960 | 1,232 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,139,000 | 1,700 |
| Total interest expense | $713,000 | 2,705 |
| Net interest income | $3,426,000 | 1,456 |
| Provision for loan and lease losses | $105,000 | 2,016 |
| Total noninterest income | $1,314,000 | 1,012 |
| Gross Fiduciary activities income | $163,000 | 493 |
| Service charges on deposit accounts | $665,000 | 644 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $486,000 | 1,319 |
| Total noninterest expense | $3,084,000 | 1,334 |
| Salaries and employee benefits | $1,737,000 | 1,276 |
| Premises and equipment expense | $348,000 | 1,686 |
| Additional noninterest expense | $999,000 | 1,208 |
| Pre-tax net operating income | $1,551,000 | 1,356 |
| Securities gains (losses) | $4,000 | 2,410 |
| Applicable income taxes | $370,000 | 1,670 |
| Income before extraordinary items | $1,185,000 | 1,353 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,185,000 | 1,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,661 |
| Cash dividends | $221,000 | 2,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,181,960 | 1,290 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,006,000 | 1,780 |
| Total interest expense | $3,087,000 | 2,790 |
| Net interest income | $12,919,000 | 1,506 |
| Provision for loan and lease losses | $460,000 | 2,309 |
| Total noninterest income | $5,737,000 | 1,018 |
| Gross Fiduciary activities income | $634,000 | 484 |
| Service charges on deposit accounts | $2,991,000 | 573 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,112,000 | 1,420 |
| Total noninterest expense | $11,775,000 | 1,365 |
| Salaries and employee benefits | $6,461,000 | 1,332 |
| Premises and equipment expense | $1,292,000 | 1,756 |
| Additional noninterest expense | $4,022,000 | 1,237 |
| Pre-tax net operating income | $6,421,000 | 1,284 |
| Securities gains (losses) | $-74,000 | 8,996 |
| Applicable income taxes | $1,730,000 | 1,429 |
| Income before extraordinary items | $4,617,000 | 1,373 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,617,000 | 1,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,894 |
| Cash dividends | $784,000 | 2,738 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 840 |
| Net operating income | $4,671,020 | 1,292 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,908,000 | 1,820 |
| Total interest expense | $2,312,000 | 2,891 |
| Net interest income | $9,596,000 | 1,532 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $4,298,000 | 1,051 |
| Gross Fiduciary activities income | $484,000 | 485 |
| Service charges on deposit accounts | $2,172,000 | 599 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,642,000 | 1,438 |
| Total noninterest expense | $8,471,000 | 1,432 |
| Salaries and employee benefits | $4,764,000 | 1,371 |
| Premises and equipment expense | $974,000 | 1,758 |
| Additional noninterest expense | $2,733,000 | 1,356 |
| Pre-tax net operating income | $5,243,000 | 1,231 |
| Securities gains (losses) | $5,000 | 3,620 |
| Applicable income taxes | $1,466,000 | 1,383 |
| Income before extraordinary items | $3,782,000 | 1,305 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,782,000 | 1,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,983 |
| Cash dividends | $588,000 | 2,463 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 686 |
| Net operating income | $3,778,400 | 1,231 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,022,000 | 1,817 |
| Total interest expense | $1,565,000 | 2,932 |
| Net interest income | $6,457,000 | 1,512 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $2,916,000 | 1,020 |
| Gross Fiduciary activities income | $320,000 | 490 |
| Service charges on deposit accounts | $1,435,000 | 595 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,161,000 | 1,368 |
| Total noninterest expense | $5,500,000 | 1,459 |
| Salaries and employee benefits | $3,131,000 | 1,384 |
| Premises and equipment expense | $630,000 | 1,805 |
| Additional noninterest expense | $1,739,000 | 1,423 |
| Pre-tax net operating income | $3,753,000 | 1,146 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $1,065,000 | 1,304 |
| Income before extraordinary items | $2,693,000 | 1,230 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,693,000 | 1,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,937 |
| Cash dividends | $392,000 | 2,502 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 558 |
| Net operating income | $2,689,400 | 1,145 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,927,000 | 1,869 |
| Total interest expense | $765,000 | 3,057 |
| Net interest income | $3,162,000 | 1,542 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $1,388,000 | 1,034 |
| Gross Fiduciary activities income | $162,000 | 496 |
| Service charges on deposit accounts | $704,000 | 594 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $522,000 | 1,442 |
| Total noninterest expense | $2,743,000 | 1,450 |
| Salaries and employee benefits | $1,537,000 | 1,405 |
| Premises and equipment expense | $310,000 | 1,843 |
| Additional noninterest expense | $896,000 | 1,347 |
| Pre-tax net operating income | $1,747,000 | 1,235 |
| Securities gains (losses) | $5,000 | 2,406 |
| Applicable income taxes | $493,000 | 1,388 |
| Income before extraordinary items | $1,259,000 | 1,309 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,259,000 | 1,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,970 |
| Cash dividends | $196,000 | 2,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,255,400 | 1,226 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,914,000 | 1,938 |
| Total interest expense | $3,836,000 | 2,847 |
| Net interest income | $12,078,000 | 1,596 |
| Provision for loan and lease losses | $298,000 | 3,488 |
| Total noninterest income | $5,109,000 | 1,041 |
| Gross Fiduciary activities income | $629,000 | 498 |
| Service charges on deposit accounts | $2,578,000 | 631 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,902,000 | 1,367 |
| Total noninterest expense | $11,275,000 | 1,363 |
| Salaries and employee benefits | $6,033,000 | 1,347 |
| Premises and equipment expense | $1,397,000 | 1,588 |
| Additional noninterest expense | $3,845,000 | 1,258 |
| Pre-tax net operating income | $5,614,000 | 1,480 |
| Securities gains (losses) | $120,000 | 1,584 |
| Applicable income taxes | $1,557,000 | 1,598 |
| Income before extraordinary items | $4,177,000 | 1,481 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,177,000 | 1,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 9,166 |
| Cash dividends | $687,000 | 2,938 |
| Sale, conversion, retirement of capital stock, net | $-110,000 | 9,253 |
| Net operating income | $4,089,400 | 1,455 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,963,000 | 1,911 |
| Total interest expense | $6,435,000 | 2,489 |
| Net interest income | $11,528,000 | 1,544 |
| Provision for loan and lease losses | $505,000 | 2,182 |
| Total noninterest income | $4,116,000 | 1,154 |
| Gross Fiduciary activities income | $609,000 | 531 |
| Service charges on deposit accounts | $2,420,000 | 621 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,087,000 | 1,925 |
| Total noninterest expense | $10,066,000 | 1,461 |
| Salaries and employee benefits | $5,543,000 | 1,353 |
| Premises and equipment expense | $1,248,000 | 1,733 |
| Additional noninterest expense | $3,275,000 | 1,428 |
| Pre-tax net operating income | $5,073,000 | 1,414 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $1,447,000 | 1,538 |
| Income before extraordinary items | $3,627,000 | 1,483 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,627,000 | 1,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 9,446 |
| Cash dividends | $594,000 | 3,186 |
| Sale, conversion, retirement of capital stock, net | $-437,000 | 9,552 |
| Net operating income | $3,626,290 | 1,424 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,353,000 | 2,031 |
| Total interest expense | $6,818,000 | 2,469 |
| Net interest income | $10,535,000 | 1,668 |
| Provision for loan and lease losses | $191,000 | 3,856 |
| Total noninterest income | $3,915,000 | 1,083 |
| Gross Fiduciary activities income | $488,000 | 607 |
| Service charges on deposit accounts | $2,385,000 | 559 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,042,000 | 1,807 |
| Total noninterest expense | $9,513,000 | 1,461 |
| Salaries and employee benefits | $4,976,000 | 1,424 |
| Premises and equipment expense | $1,431,000 | 1,457 |
| Additional noninterest expense | $3,106,000 | 1,444 |
| Pre-tax net operating income | $4,746,000 | 1,561 |
| Securities gains (losses) | $-109,000 | 9,441 |
| Applicable income taxes | $1,332,000 | 1,667 |
| Income before extraordinary items | $3,305,000 | 1,596 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,305,000 | 1,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-142,000 | 9,793 |
| Cash dividends | $500,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $-497,000 | 9,831 |
| Net operating income | $3,382,390 | 1,555 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,401,000 | 2,116 |
| Total interest expense | $5,943,000 | 2,486 |
| Net interest income | $9,458,000 | 1,849 |
| Provision for loan and lease losses | $317,000 | 2,538 |
| Total noninterest income | $3,403,000 | 1,220 |
| Gross Fiduciary activities income | $364,000 | 726 |
| Service charges on deposit accounts | $2,052,000 | 644 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $987,000 | 1,888 |
| Total noninterest expense | $8,302,000 | 1,662 |
| Salaries and employee benefits | $4,086,000 | 1,686 |
| Premises and equipment expense | $1,406,000 | 1,463 |
| Additional noninterest expense | $2,810,000 | 1,586 |
| Pre-tax net operating income | $4,242,000 | 1,752 |
| Securities gains (losses) | $-25,000 | 9,615 |
| Applicable income taxes | $1,215,000 | 1,903 |
| Income before extraordinary items | $3,002,000 | 1,775 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,002,000 | 1,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-122,000 | 10,070 |
| Cash dividends | $61,000 | 6,481 |
| Sale, conversion, retirement of capital stock, net | $-816,000 | 10,172 |
| Net operating income | $3,019,750 | 1,729 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,570,000 | 2,236 |
| Total interest expense | $5,846,000 | 2,593 |
| Net interest income | $8,724,000 | 1,958 |
| Provision for loan and lease losses | $188,000 | 3,645 |
| Total noninterest income | $3,445,000 | 1,202 |
| Gross Fiduciary activities income | $301,000 | 781 |
| Service charges on deposit accounts | $2,155,000 | 568 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $989,000 | 1,872 |
| Total noninterest expense | $8,090,000 | 1,634 |
| Salaries and employee benefits | $3,797,000 | 1,742 |
| Premises and equipment expense | $1,525,000 | 1,259 |
| Additional noninterest expense | $2,768,000 | 1,556 |
| Pre-tax net operating income | $3,891,000 | 1,876 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,190,000 | 2,004 |
| Income before extraordinary items | $2,701,000 | 1,933 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,701,000 | 1,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 9,689 |
| Cash dividends | $63,000 | 6,712 |
| Sale, conversion, retirement of capital stock, net | $-377,000 | 10,386 |
| Net operating income | $2,701,000 | 1,860 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,697,000 | 2,384 |
| Total interest expense | $5,551,000 | 2,687 |
| Net interest income | $8,146,000 | 2,141 |
| Provision for loan and lease losses | $285,000 | 2,727 |
| Total noninterest income | $3,126,000 | 1,260 |
| Gross Fiduciary activities income | $266,000 | 833 |
| Service charges on deposit accounts | $1,994,000 | 641 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $866,000 | 1,924 |
| Total noninterest expense | $7,447,000 | 1,748 |
| Salaries and employee benefits | $3,611,000 | 1,811 |
| Premises and equipment expense | $1,193,000 | 1,640 |
| Additional noninterest expense | $2,643,000 | 1,619 |
| Pre-tax net operating income | $3,540,000 | 2,128 |
| Securities gains (losses) | $-55,000 | 10,666 |
| Applicable income taxes | $1,053,000 | 2,329 |
| Income before extraordinary items | $2,432,000 | 2,164 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,432,000 | 2,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,659 |
| Cash dividends | $65,000 | 6,979 |
| Sale, conversion, retirement of capital stock, net | $-492,000 | 10,841 |
| Net operating income | $2,470,500 | 2,081 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,683,000 | 2,638 |
| Total interest expense | $5,221,000 | 2,890 |
| Net interest income | $7,462,000 | 2,411 |
| Provision for loan and lease losses | $217,000 | 3,234 |
| Total noninterest income | $2,289,000 | 1,651 |
| Gross Fiduciary activities income | $214,000 | 947 |
| Service charges on deposit accounts | $1,500,000 | 884 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $575,000 | 2,639 |
| Total noninterest expense | $6,403,000 | 2,146 |
| Salaries and employee benefits | $3,374,000 | 1,953 |
| Premises and equipment expense | $846,000 | 2,328 |
| Additional noninterest expense | $2,183,000 | 2,267 |
| Pre-tax net operating income | $3,131,000 | 2,278 |
| Securities gains (losses) | $17,000 | 2,110 |
| Applicable income taxes | $941,000 | 2,484 |
| Income before extraordinary items | $2,207,000 | 2,237 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,207,000 | 2,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,548 |
| Cash dividends | $66,000 | 7,274 |
| Sale, conversion, retirement of capital stock, net | $-30,000 | 11,322 |
| Net operating income | $2,195,100 | 2,195 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,163,000 | 2,750 |
| Total interest expense | $5,193,000 | 2,932 |
| Net interest income | $6,970,000 | 2,570 |
| Provision for loan and lease losses | $64,000 | 5,599 |
| Total noninterest income | $2,266,000 | 1,657 |
| Gross Fiduciary activities income | $186,000 | 1,024 |
| Service charges on deposit accounts | $1,443,000 | 924 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $637,000 | 2,440 |
| Total noninterest expense | $6,038,000 | 2,260 |
| Salaries and employee benefits | $3,079,000 | 2,148 |
| Premises and equipment expense | $805,000 | 2,461 |
| Additional noninterest expense | $2,154,000 | 2,261 |
| Pre-tax net operating income | $3,134,000 | 2,347 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $932,000 | 2,530 |
| Income before extraordinary items | $2,207,000 | 2,287 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,207,000 | 2,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,677 |
| Cash dividends | $66,000 | 7,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,203,500 | 2,264 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,291,000 | 2,957 |
| Total interest expense | $3,797,000 | 3,220 |
| Net interest income | $6,490,000 | 2,791 |
| Provision for loan and lease losses | $-48,000 | 11,983 |
| Total noninterest income | $2,136,000 | 1,762 |
| Gross Fiduciary activities income | $144,000 | 1,099 |
| Service charges on deposit accounts | $1,416,000 | 926 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $576,000 | 2,671 |
| Total noninterest expense | $6,069,000 | 2,315 |
| Salaries and employee benefits | $2,961,000 | 2,252 |
| Premises and equipment expense | $790,000 | 2,554 |
| Additional noninterest expense | $2,318,000 | 2,282 |
| Pre-tax net operating income | $2,605,000 | 2,718 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $725,000 | 3,013 |
| Income before extraordinary items | $1,881,000 | 2,584 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,881,000 | 2,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 11,861 |
| Cash dividends | $66,000 | 7,598 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 806 |
| Net operating income | $1,880,280 | 2,602 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,092,000 | 3,052 |
| Total interest expense | $3,573,000 | 3,514 |
| Net interest income | $6,519,000 | 2,772 |
| Provision for loan and lease losses | $-44,000 | 12,712 |
| Total noninterest income | $2,079,000 | 1,927 |
| Gross Fiduciary activities income | $156,000 | 1,113 |
| Service charges on deposit accounts | $1,387,000 | 957 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $536,000 | 3,111 |
| Total noninterest expense | $5,893,000 | 2,428 |
| Salaries and employee benefits | $2,695,000 | 2,471 |
| Premises and equipment expense | $653,000 | 3,063 |
| Additional noninterest expense | $2,545,000 | 2,193 |
| Pre-tax net operating income | $2,749,000 | 2,497 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $712,000 | 3,066 |
| Income before extraordinary items | $2,042,000 | 2,457 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,042,000 | 2,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 12,596 |
| Cash dividends | $63,000 | 7,651 |
| Sale, conversion, retirement of capital stock, net | $325,000 | 688 |
| Net operating income | $2,038,300 | 2,313 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,274,000 | 3,397 |
| Total interest expense | $4,498,000 | 3,652 |
| Net interest income | $5,776,000 | 3,180 |
| Provision for loan and lease losses | $329,000 | 3,927 |
| Total noninterest income | $1,647,000 | 2,230 |
| Gross Fiduciary activities income | $135,000 | 1,180 |
| Service charges on deposit accounts | $1,106,000 | 1,198 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $406,000 | 3,672 |
| Total noninterest expense | $5,984,000 | 2,429 |
| Salaries and employee benefits | $2,610,000 | 2,475 |
| Premises and equipment expense | $580,000 | 3,476 |
| Additional noninterest expense | $2,794,000 | 2,116 |
| Pre-tax net operating income | $1,110,000 | 5,224 |
| Securities gains (losses) | $86,000 | 3,258 |
| Applicable income taxes | $293,000 | 6,029 |
| Income before extraordinary items | $903,000 | 4,919 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $903,000 | 4,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 3,163 |
| Cash dividends | $55,000 | 7,563 |
| Sale, conversion, retirement of capital stock, net | $230,000 | 703 |
| Net operating income | $837,640 | 4,872 |
* 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.