Home > The First National Bank of Clifton > Income and Expense
The First National Bank of Clifton, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,300,000 | 7,034 |
| Total interest expense | $533,000 | 6,912 |
| Net interest income | $767,000 | 7,040 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $285,000 | 4,744 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $163,000 | 3,892 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $122,000 | 4,685 |
| Total noninterest expense | $620,000 | 7,285 |
| Salaries and employee benefits | $387,000 | 7,038 |
| Premises and equipment expense | $68,000 | 7,380 |
| Additional noninterest expense | $165,000 | 7,366 |
| Pre-tax net operating income | $432,000 | 4,649 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $18,000 | 4,723 |
| Income before extraordinary items | $414,000 | 4,399 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $414,000 | 4,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,312 |
| Cash dividends | $444,000 | 2,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $414,000 | 4,342 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $681,000 | 7,029 |
| Total interest expense | $291,000 | 6,890 |
| Net interest income | $390,000 | 7,061 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $132,000 | 4,894 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $76,000 | 3,987 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $56,000 | 4,821 |
| Total noninterest expense | $310,000 | 7,313 |
| Salaries and employee benefits | $198,000 | 7,026 |
| Premises and equipment expense | $34,000 | 7,392 |
| Additional noninterest expense | $78,000 | 7,453 |
| Pre-tax net operating income | $212,000 | 4,856 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $8,000 | 4,911 |
| Income before extraordinary items | $204,000 | 4,618 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $204,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,488 |
| Cash dividends | $229,000 | 2,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $204,000 | 4,523 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,637,000 | 7,110 |
| Total interest expense | $1,149,000 | 6,939 |
| Net interest income | $1,488,000 | 7,121 |
| Provision for loan and lease losses | $30,000 | 6,068 |
| Total noninterest income | $560,000 | 4,775 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $353,000 | 3,762 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $207,000 | 4,993 |
| Total noninterest expense | $1,256,000 | 7,270 |
| Salaries and employee benefits | $779,000 | 7,034 |
| Premises and equipment expense | $142,000 | 7,314 |
| Additional noninterest expense | $335,000 | 7,380 |
| Pre-tax net operating income | $762,000 | 5,271 |
| Securities gains (losses) | $36,000 | 908 |
| Applicable income taxes | $34,000 | 5,149 |
| Income before extraordinary items | $764,000 | 4,881 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $764,000 | 4,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,277 |
| Cash dividends | $705,000 | 3,173 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $729,440 | 4,958 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 7,144 |
| Total interest expense | $854,000 | 6,989 |
| Net interest income | $1,122,000 | 7,168 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $404,000 | 4,882 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $268,000 | 3,739 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $136,000 | 5,268 |
| Total noninterest expense | $919,000 | 7,307 |
| Salaries and employee benefits | $571,000 | 7,059 |
| Premises and equipment expense | $106,000 | 7,322 |
| Additional noninterest expense | $242,000 | 7,421 |
| Pre-tax net operating income | $607,000 | 5,426 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $27,000 | 5,314 |
| Income before extraordinary items | $580,000 | 5,068 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $580,000 | 5,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-66,000 | 8,301 |
| Cash dividends | $675,000 | 2,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $580,000 | 5,063 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,334,000 | 7,159 |
| Total interest expense | $570,000 | 7,020 |
| Net interest income | $764,000 | 7,189 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $263,000 | 4,975 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $174,000 | 3,791 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $89,000 | 5,328 |
| Total noninterest expense | $602,000 | 7,387 |
| Salaries and employee benefits | $378,000 | 7,120 |
| Premises and equipment expense | $73,000 | 7,311 |
| Additional noninterest expense | $151,000 | 7,561 |
| Pre-tax net operating income | $425,000 | 5,383 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $19,000 | 5,371 |
| Income before extraordinary items | $406,000 | 5,043 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $406,000 | 5,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,315 |
| Cash dividends | $273,000 | 3,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $406,000 | 5,034 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $654,000 | 7,228 |
| Total interest expense | $292,000 | 6,967 |
| Net interest income | $362,000 | 7,327 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $102,000 | 5,507 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $81,000 | 3,885 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $21,000 | 6,540 |
| Total noninterest expense | $301,000 | 7,417 |
| Salaries and employee benefits | $188,000 | 7,180 |
| Premises and equipment expense | $33,000 | 7,469 |
| Additional noninterest expense | $80,000 | 7,484 |
| Pre-tax net operating income | $163,000 | 5,898 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $10,000 | 5,322 |
| Income before extraordinary items | $153,000 | 5,607 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $153,000 | 5,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $153,000 | 5,593 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,381,000 | 7,238 |
| Total interest expense | $953,000 | 7,028 |
| Net interest income | $1,428,000 | 7,267 |
| Provision for loan and lease losses | $-105,000 | 8,479 |
| Total noninterest income | $457,000 | 5,332 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $350,000 | 3,815 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $107,000 | 6,215 |
| Total noninterest expense | $1,366,000 | 7,108 |
| Salaries and employee benefits | $760,000 | 7,086 |
| Premises and equipment expense | $133,000 | 7,457 |
| Additional noninterest expense | $473,000 | 6,659 |
| Pre-tax net operating income | $624,000 | 6,119 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $5,000 | 6,317 |
| Income before extraordinary items | $619,000 | 5,752 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $619,000 | 5,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,733 |
| Cash dividends | $251,000 | 4,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $619,000 | 5,739 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,767,000 | 7,295 |
| Total interest expense | $695,000 | 7,071 |
| Net interest income | $1,072,000 | 7,335 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $349,000 | 5,300 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $268,000 | 3,797 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $81,000 | 6,203 |
| Total noninterest expense | $920,000 | 7,338 |
| Salaries and employee benefits | $565,000 | 7,098 |
| Premises and equipment expense | $105,000 | 7,378 |
| Additional noninterest expense | $250,000 | 7,418 |
| Pre-tax net operating income | $501,000 | 6,217 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $11,000 | 6,190 |
| Income before extraordinary items | $490,000 | 5,803 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $490,000 | 5,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,276 |
| Cash dividends | $198,000 | 4,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $490,000 | 5,808 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 7,332 |
| Total interest expense | $448,000 | 7,079 |
| Net interest income | $711,000 | 7,403 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $234,000 | 5,285 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $176,000 | 3,809 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,139 |
| Total noninterest expense | $604,000 | 7,410 |
| Salaries and employee benefits | $376,000 | 7,128 |
| Premises and equipment expense | $69,000 | 7,438 |
| Additional noninterest expense | $159,000 | 7,515 |
| Pre-tax net operating income | $341,000 | 6,207 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $4,000 | 6,395 |
| Income before extraordinary items | $337,000 | 5,773 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $337,000 | 5,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,332 |
| Cash dividends | $198,000 | 3,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $337,000 | 5,771 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $558,000 | 7,399 |
| Total interest expense | $225,000 | 7,005 |
| Net interest income | $333,000 | 7,539 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $113,000 | 5,345 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $89,000 | 3,722 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,429 |
| Total noninterest expense | $305,000 | 7,400 |
| Salaries and employee benefits | $195,000 | 7,047 |
| Premises and equipment expense | $36,000 | 7,382 |
| Additional noninterest expense | $74,000 | 7,635 |
| Pre-tax net operating income | $141,000 | 6,530 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-3,000 | 8,473 |
| Income before extraordinary items | $144,000 | 6,046 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $144,000 | 6,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,493 |
| Cash dividends | $188,000 | 2,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $144,000 | 6,045 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,104,000 | 7,355 |
| Total interest expense | $654,000 | 7,179 |
| Net interest income | $1,450,000 | 7,366 |
| Provision for loan and lease losses | $50,000 | 5,734 |
| Total noninterest income | $509,000 | 5,207 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $370,000 | 3,733 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $139,000 | 5,858 |
| Total noninterest expense | $1,306,000 | 7,211 |
| Salaries and employee benefits | $735,000 | 7,142 |
| Premises and equipment expense | $182,000 | 6,928 |
| Additional noninterest expense | $389,000 | 7,136 |
| Pre-tax net operating income | $603,000 | 6,415 |
| Securities gains (losses) | $-9,000 | 7,501 |
| Applicable income taxes | $6,000 | 6,643 |
| Income before extraordinary items | $588,000 | 6,049 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $588,000 | 6,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,391 |
| Cash dividends | $444,000 | 3,848 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $596,910 | 5,982 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,592,000 | 7,345 |
| Total interest expense | $476,000 | 7,176 |
| Net interest income | $1,116,000 | 7,353 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $375,000 | 5,255 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $274,000 | 3,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $101,000 | 5,925 |
| Total noninterest expense | $1,000,000 | 7,159 |
| Salaries and employee benefits | $554,000 | 7,115 |
| Premises and equipment expense | $146,000 | 6,780 |
| Additional noninterest expense | $300,000 | 7,100 |
| Pre-tax net operating income | $446,000 | 6,589 |
| Securities gains (losses) | $-9,000 | 7,876 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $437,000 | 6,185 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $437,000 | 6,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $414,000 | 3,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $446,000 | 6,110 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,053,000 | 7,347 |
| Total interest expense | $313,000 | 7,106 |
| Net interest income | $740,000 | 7,370 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $246,000 | 5,255 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $177,000 | 3,771 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $69,000 | 5,906 |
| Total noninterest expense | $639,000 | 7,262 |
| Salaries and employee benefits | $360,000 | 7,198 |
| Premises and equipment expense | $94,000 | 6,825 |
| Additional noninterest expense | $185,000 | 7,245 |
| Pre-tax net operating income | $317,000 | 6,484 |
| Securities gains (losses) | $-9,000 | 8,110 |
| Applicable income taxes | $-5,000 | 8,602 |
| Income before extraordinary items | $313,000 | 6,028 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $313,000 | 6,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,991 |
| Cash dividends | $346,000 | 2,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $322,000 | 5,909 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $539,000 | 7,330 |
| Total interest expense | $152,000 | 7,135 |
| Net interest income | $387,000 | 7,327 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $119,000 | 5,277 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $84,000 | 3,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $35,000 | 5,892 |
| Total noninterest expense | $332,000 | 7,231 |
| Salaries and employee benefits | $177,000 | 7,286 |
| Premises and equipment expense | $49,000 | 6,814 |
| Additional noninterest expense | $106,000 | 6,999 |
| Pre-tax net operating income | $159,000 | 6,445 |
| Securities gains (losses) | $-9,000 | 8,513 |
| Applicable income taxes | $-12,000 | 8,709 |
| Income before extraordinary items | $162,000 | 5,937 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $162,000 | 5,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $66,000 | 3,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $171,000 | 5,759 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,197,000 | 7,178 |
| Total interest expense | $558,000 | 7,103 |
| Net interest income | $1,639,000 | 7,133 |
| Provision for loan and lease losses | $146,000 | 4,313 |
| Total noninterest income | $585,000 | 4,871 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $408,000 | 3,602 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $177,000 | 5,360 |
| Total noninterest expense | $1,509,000 | 6,870 |
| Salaries and employee benefits | $884,000 | 6,663 |
| Premises and equipment expense | $184,000 | 6,938 |
| Additional noninterest expense | $441,000 | 6,887 |
| Pre-tax net operating income | $569,000 | 6,489 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $24,000 | 6,462 |
| Income before extraordinary items | $544,000 | 6,186 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $544,000 | 6,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,390 |
| Cash dividends | $659,000 | 3,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $544,960 | 6,101 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,655,000 | 7,190 |
| Total interest expense | $416,000 | 7,119 |
| Net interest income | $1,239,000 | 7,127 |
| Provision for loan and lease losses | $50,000 | 5,368 |
| Total noninterest income | $446,000 | 4,858 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $310,000 | 3,585 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $136,000 | 5,337 |
| Total noninterest expense | $1,100,000 | 6,919 |
| Salaries and employee benefits | $679,000 | 6,540 |
| Premises and equipment expense | $135,000 | 6,954 |
| Additional noninterest expense | $286,000 | 7,207 |
| Pre-tax net operating income | $535,000 | 6,164 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $31,000 | 6,269 |
| Income before extraordinary items | $504,000 | 5,795 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $504,000 | 5,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,650 |
| Cash dividends | $659,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $504,000 | 5,727 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,135,000 | 7,175 |
| Total interest expense | $276,000 | 7,170 |
| Net interest income | $859,000 | 7,065 |
| Provision for loan and lease losses | $35,000 | 5,187 |
| Total noninterest income | $241,000 | 5,381 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $195,000 | 3,713 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $46,000 | 6,590 |
| Total noninterest expense | $740,000 | 6,930 |
| Salaries and employee benefits | $450,000 | 6,610 |
| Premises and equipment expense | $90,000 | 6,991 |
| Additional noninterest expense | $200,000 | 7,124 |
| Pre-tax net operating income | $325,000 | 6,341 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $21,000 | 6,258 |
| Income before extraordinary items | $304,000 | 6,011 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $304,000 | 6,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $619,000 | 1,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $304,000 | 5,928 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $542,000 | 7,323 |
| Total interest expense | $139,000 | 7,207 |
| Net interest income | $403,000 | 7,233 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $113,000 | 5,490 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $84,000 | 4,000 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $29,000 | 6,170 |
| Total noninterest expense | $348,000 | 7,133 |
| Salaries and employee benefits | $220,000 | 6,718 |
| Premises and equipment expense | $26,000 | 7,959 |
| Additional noninterest expense | $102,000 | 7,103 |
| Pre-tax net operating income | $148,000 | 6,468 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $10,000 | 6,242 |
| Income before extraordinary items | $138,000 | 6,206 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $138,000 | 6,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $440,000 | 1,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $138,000 | 6,099 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,357,000 | 7,189 |
| Total interest expense | $657,000 | 7,198 |
| Net interest income | $1,700,000 | 7,060 |
| Provision for loan and lease losses | $108,000 | 5,204 |
| Total noninterest income | $484,000 | 5,528 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $370,000 | 3,820 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $114,000 | 6,308 |
| Total noninterest expense | $1,258,000 | 7,349 |
| Salaries and employee benefits | $800,000 | 6,916 |
| Premises and equipment expense | $90,000 | 8,193 |
| Additional noninterest expense | $368,000 | 7,338 |
| Pre-tax net operating income | $818,000 | 5,654 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $94,000 | 5,781 |
| Income before extraordinary items | $724,000 | 5,493 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $724,000 | 5,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 3,132 |
| Cash dividends | $394,000 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $724,000 | 5,337 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,764,000 | 7,280 |
| Total interest expense | $510,000 | 7,264 |
| Net interest income | $1,254,000 | 7,147 |
| Provision for loan and lease losses | $55,000 | 5,636 |
| Total noninterest income | $356,000 | 5,620 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $272,000 | 3,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $84,000 | 6,382 |
| Total noninterest expense | $857,000 | 7,577 |
| Salaries and employee benefits | $546,000 | 7,146 |
| Premises and equipment expense | $65,000 | 8,278 |
| Additional noninterest expense | $246,000 | 7,595 |
| Pre-tax net operating income | $698,000 | 5,513 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $96,000 | 5,612 |
| Income before extraordinary items | $602,000 | 5,382 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $602,000 | 5,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,375 |
| Cash dividends | $390,000 | 3,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $602,000 | 5,201 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,158,000 | 7,371 |
| Total interest expense | $351,000 | 7,318 |
| Net interest income | $807,000 | 7,252 |
| Provision for loan and lease losses | $10,000 | 6,790 |
| Total noninterest income | $250,000 | 5,463 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $186,000 | 3,782 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $64,000 | 6,138 |
| Total noninterest expense | $577,000 | 7,568 |
| Salaries and employee benefits | $367,000 | 7,165 |
| Premises and equipment expense | $41,000 | 8,360 |
| Additional noninterest expense | $169,000 | 7,523 |
| Pre-tax net operating income | $470,000 | 5,466 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $86,000 | 5,320 |
| Income before extraordinary items | $384,000 | 5,517 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $384,000 | 5,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 1,773 |
| Cash dividends | $390,000 | 2,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $384,000 | 5,306 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $591,000 | 7,357 |
| Total interest expense | $185,000 | 7,287 |
| Net interest income | $406,000 | 7,254 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $105,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $91,000 | 3,771 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $288,000 | 7,611 |
| Salaries and employee benefits | $183,000 | 7,188 |
| Premises and equipment expense | $21,000 | 8,333 |
| Additional noninterest expense | $84,000 | 7,566 |
| Pre-tax net operating income | $223,000 | 5,566 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $70,000 | 4,589 |
| Income before extraordinary items | $153,000 | 5,963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $153,000 | 5,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 1,291 |
| Cash dividends | $390,000 | 1,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $153,000 | 5,776 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,521,000 | 7,336 |
| Total interest expense | $854,000 | 7,342 |
| Net interest income | $1,667,000 | 7,163 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $349,000 | 6,108 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $291,000 | 4,295 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $58,000 | 7,401 |
| Total noninterest expense | $1,164,000 | 7,555 |
| Salaries and employee benefits | $791,000 | 6,912 |
| Premises and equipment expense | $88,000 | 8,335 |
| Additional noninterest expense | $285,000 | 7,912 |
| Pre-tax net operating income | $852,000 | 5,614 |
| Securities gains (losses) | $34,000 | 2,728 |
| Applicable income taxes | $305,000 | 4,416 |
| Income before extraordinary items | $581,000 | 6,050 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $581,000 | 6,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-124,000 | 9,250 |
| Cash dividends | $120,000 | 5,403 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $558,560 | 5,993 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,766,000 | 7,485 |
| Total interest expense | $1,275,000 | 7,448 |
| Net interest income | $1,491,000 | 7,348 |
| Provision for loan and lease losses | $23,000 | 7,499 |
| Total noninterest income | $324,000 | 6,209 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $261,000 | 4,533 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $63,000 | 7,311 |
| Total noninterest expense | $1,084,000 | 7,738 |
| Salaries and employee benefits | $704,000 | 7,186 |
| Premises and equipment expense | $105,000 | 8,216 |
| Additional noninterest expense | $275,000 | 8,038 |
| Pre-tax net operating income | $708,000 | 5,788 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $243,000 | 4,657 |
| Income before extraordinary items | $465,000 | 6,233 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $465,000 | 6,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,402 |
| Cash dividends | $138,000 | 5,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $465,000 | 6,116 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,759,000 | 7,650 |
| Total interest expense | $1,362,000 | 7,436 |
| Net interest income | $1,397,000 | 7,648 |
| Provision for loan and lease losses | $157,000 | 4,310 |
| Total noninterest income | $303,000 | 6,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 4,507 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 7,773 |
| Total noninterest expense | $1,115,000 | 7,703 |
| Salaries and employee benefits | $726,000 | 7,075 |
| Premises and equipment expense | $113,000 | 8,218 |
| Additional noninterest expense | $276,000 | 8,142 |
| Pre-tax net operating income | $428,000 | 7,324 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $147,000 | 5,956 |
| Income before extraordinary items | $281,000 | 7,588 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $281,000 | 7,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,946 |
| Cash dividends | $113,000 | 5,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $281,000 | 7,597 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,363,000 | 8,060 |
| Total interest expense | $1,163,000 | 7,737 |
| Net interest income | $1,200,000 | 8,189 |
| Provision for loan and lease losses | $201,000 | 3,541 |
| Total noninterest income | $260,000 | 6,844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 4,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,584 |
| Total noninterest expense | $1,008,000 | 8,106 |
| Salaries and employee benefits | $641,000 | 7,534 |
| Premises and equipment expense | $94,000 | 8,748 |
| Additional noninterest expense | $273,000 | 8,356 |
| Pre-tax net operating income | $251,000 | 8,332 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $77,000 | 7,230 |
| Income before extraordinary items | $174,000 | 8,475 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $174,000 | 8,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,160 |
| Cash dividends | $67,000 | 6,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $174,000 | 8,440 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,388,000 | 8,223 |
| Total interest expense | $1,122,000 | 8,100 |
| Net interest income | $1,266,000 | 8,186 |
| Provision for loan and lease losses | $169,000 | 3,931 |
| Total noninterest income | $272,000 | 6,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 4,640 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,867 |
| Total noninterest expense | $843,000 | 8,625 |
| Salaries and employee benefits | $532,000 | 8,156 |
| Premises and equipment expense | $98,000 | 8,759 |
| Additional noninterest expense | $213,000 | 8,983 |
| Pre-tax net operating income | $526,000 | 7,243 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $174,000 | 6,522 |
| Income before extraordinary items | $352,000 | 7,516 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $352,000 | 7,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,649 |
| Cash dividends | $58,000 | 6,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $352,000 | 7,438 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,168,000 | 8,826 |
| Total interest expense | $1,011,000 | 8,658 |
| Net interest income | $1,157,000 | 8,788 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $235,000 | 7,404 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,645 |
| Total noninterest expense | $810,000 | 8,997 |
| Salaries and employee benefits | $500,000 | 8,604 |
| Premises and equipment expense | $94,000 | 9,100 |
| Additional noninterest expense | $216,000 | 9,212 |
| Pre-tax net operating income | $492,000 | 7,964 |
| Securities gains (losses) | $11,000 | 2,294 |
| Applicable income taxes | $184,000 | 7,120 |
| Income before extraordinary items | $319,000 | 8,233 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $319,000 | 8,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,805 |
| Cash dividends | $36,000 | 7,401 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $311,960 | 8,245 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,867,000 | 9,561 |
| Total interest expense | $863,000 | 9,440 |
| Net interest income | $1,004,000 | 9,542 |
| Provision for loan and lease losses | $88,000 | 5,424 |
| Total noninterest income | $219,000 | 7,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 5,685 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,065 |
| Total noninterest expense | $736,000 | 9,684 |
| Salaries and employee benefits | $459,000 | 9,182 |
| Premises and equipment expense | $73,000 | 9,997 |
| Additional noninterest expense | $204,000 | 9,888 |
| Pre-tax net operating income | $399,000 | 8,509 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $141,000 | 8,010 |
| Income before extraordinary items | $258,000 | 8,769 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $258,000 | 8,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,007 |
| Cash dividends | $30,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $258,000 | 8,704 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 10,416 |
| Total interest expense | $722,000 | 10,224 |
| Net interest income | $839,000 | 10,419 |
| Provision for loan and lease losses | $52,000 | 6,119 |
| Total noninterest income | $211,000 | 8,267 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,848 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 10,891 |
| Total noninterest expense | $649,000 | 10,369 |
| Salaries and employee benefits | $395,000 | 9,985 |
| Premises and equipment expense | $64,000 | 10,656 |
| Additional noninterest expense | $190,000 | 10,543 |
| Pre-tax net operating income | $349,000 | 9,388 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $128,000 | 8,661 |
| Income before extraordinary items | $221,000 | 9,710 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $221,000 | 9,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,445 |
| Cash dividends | $32,000 | 8,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $221,000 | 9,673 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,154,000 | 11,433 |
| Total interest expense | $503,000 | 11,085 |
| Net interest income | $651,000 | 11,549 |
| Provision for loan and lease losses | $43,000 | 6,473 |
| Total noninterest income | $200,000 | 8,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $185,000 | 6,166 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,783 |
| Total noninterest expense | $568,000 | 11,275 |
| Salaries and employee benefits | $328,000 | 10,949 |
| Premises and equipment expense | $55,000 | 11,452 |
| Additional noninterest expense | $185,000 | 11,337 |
| Pre-tax net operating income | $240,000 | 10,576 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $68,000 | 10,056 |
| Income before extraordinary items | $168,000 | 10,628 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $168,000 | 10,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,150 |
| Cash dividends | $28,000 | 8,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $170,840 | 10,639 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,059,000 | 12,156 |
| Total interest expense | $433,000 | 12,052 |
| Net interest income | $626,000 | 12,123 |
| Provision for loan and lease losses | $35,000 | 8,215 |
| Total noninterest income | $168,000 | 9,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,986 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 12,477 |
| Total noninterest expense | $550,000 | 11,910 |
| Salaries and employee benefits | $298,000 | 11,665 |
| Premises and equipment expense | $55,000 | 12,039 |
| Additional noninterest expense | $197,000 | 11,772 |
| Pre-tax net operating income | $209,000 | 10,960 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $55,000 | 10,820 |
| Income before extraordinary items | $154,000 | 11,156 |
| Extraordinary gains, net | $27,000 | 2,545 |
| Net income | $181,000 | 10,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 7,365 |
| Cash dividends | $20,000 | 8,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $154,000 | 10,945 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,040,000 | 12,958 |
| Total interest expense | $469,000 | 12,886 |
| Net interest income | $571,000 | 12,843 |
| Provision for loan and lease losses | $55,000 | 8,828 |
| Total noninterest income | $148,000 | 10,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 12,987 |
| Total noninterest expense | $479,000 | 12,755 |
| Salaries and employee benefits | $269,000 | 12,371 |
| Premises and equipment expense | $61,000 | 12,225 |
| Additional noninterest expense | $149,000 | 12,968 |
| Pre-tax net operating income | $185,000 | 11,215 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $57,000 | 11,058 |
| Income before extraordinary items | $133,000 | 11,504 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $133,000 | 11,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $17,000 | 8,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $129,500 | 11,232 |
* 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.