Home > The First National Bank of Hudson > Income and Expense
The First National Bank of Hudson, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,991,000 | 1,802 |
| Total interest expense | $2,385,000 | 2,016 |
| Net interest income | $3,606,000 | 1,603 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,188,000 | 1,149 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $461,000 | 939 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $727,000 | 1,053 |
| Total noninterest expense | $2,773,000 | 1,670 |
| Salaries and employee benefits | $1,722,000 | 1,508 |
| Premises and equipment expense | $420,000 | 1,594 |
| Additional noninterest expense | $631,000 | 2,080 |
| Pre-tax net operating income | $2,021,000 | 1,160 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $42,000 | 4,302 |
| Income before extraordinary items | $1,979,000 | 897 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,979,000 | 896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 1,794 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,979,000 | 885 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,981,000 | 1,682 |
| Total interest expense | $9,137,000 | 1,826 |
| Net interest income | $14,844,000 | 1,541 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $4,791,000 | 1,129 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,107,000 | 836 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,684,000 | 1,078 |
| Total noninterest expense | $11,920,000 | 1,496 |
| Salaries and employee benefits | $7,222,000 | 1,353 |
| Premises and equipment expense | $1,613,000 | 1,590 |
| Additional noninterest expense | $3,085,000 | 1,711 |
| Pre-tax net operating income | $7,715,000 | 1,266 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $32,000 | 5,723 |
| Income before extraordinary items | $7,683,000 | 970 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,683,000 | 970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 1,585 |
| Cash dividends | $6,500,000 | 559 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $7,683,000 | 958 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,718,000 | 1,692 |
| Total interest expense | $6,657,000 | 1,822 |
| Net interest income | $11,061,000 | 1,573 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $3,582,000 | 1,142 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,573,000 | 841 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,009,000 | 1,097 |
| Total noninterest expense | $9,033,000 | 1,486 |
| Salaries and employee benefits | $5,540,000 | 1,334 |
| Premises and equipment expense | $1,166,000 | 1,651 |
| Additional noninterest expense | $2,327,000 | 1,688 |
| Pre-tax net operating income | $5,610,000 | 1,364 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $26,000 | 5,840 |
| Income before extraordinary items | $5,584,000 | 1,043 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,584,000 | 1,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 1,357 |
| Cash dividends | $5,500,000 | 478 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,584,000 | 1,026 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,593,000 | 1,685 |
| Total interest expense | $4,197,000 | 1,828 |
| Net interest income | $7,396,000 | 1,559 |
| Provision for loan and lease losses | $240,000 | 1,809 |
| Total noninterest income | $2,417,000 | 1,137 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,037,000 | 841 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,380,000 | 1,078 |
| Total noninterest expense | $6,146,000 | 1,466 |
| Salaries and employee benefits | $3,826,000 | 1,304 |
| Premises and equipment expense | $795,000 | 1,625 |
| Additional noninterest expense | $1,525,000 | 1,736 |
| Pre-tax net operating income | $3,427,000 | 1,473 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $20,000 | 5,801 |
| Income before extraordinary items | $3,407,000 | 1,130 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,407,000 | 1,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 1,766 |
| Cash dividends | $3,500,000 | 504 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,407,000 | 1,109 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,773,000 | 1,648 |
| Total interest expense | $2,014,000 | 1,810 |
| Net interest income | $3,759,000 | 1,529 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $1,114,000 | 1,179 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $507,000 | 828 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $607,000 | 1,164 |
| Total noninterest expense | $2,909,000 | 1,545 |
| Salaries and employee benefits | $1,773,000 | 1,404 |
| Premises and equipment expense | $385,000 | 1,671 |
| Additional noninterest expense | $751,000 | 1,743 |
| Pre-tax net operating income | $1,844,000 | 1,337 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $14,000 | 5,578 |
| Income before extraordinary items | $1,830,000 | 1,040 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,830,000 | 1,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,166 |
| Cash dividends | $2,000,000 | 412 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,830,000 | 1,024 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,629,000 | 1,550 |
| Total interest expense | $5,858,000 | 1,928 |
| Net interest income | $15,771,000 | 1,384 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $4,935,000 | 1,101 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,251,000 | 774 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,684,000 | 1,097 |
| Total noninterest expense | $11,832,000 | 1,454 |
| Salaries and employee benefits | $7,076,000 | 1,314 |
| Premises and equipment expense | $1,522,000 | 1,598 |
| Additional noninterest expense | $3,234,000 | 1,578 |
| Pre-tax net operating income | $8,574,000 | 1,129 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $20,000 | 6,327 |
| Income before extraordinary items | $8,554,000 | 842 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,554,000 | 844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,118 |
| Cash dividends | $9,000,000 | 412 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,554,000 | 833 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,929,000 | 1,531 |
| Total interest expense | $4,002,000 | 1,994 |
| Net interest income | $11,927,000 | 1,365 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $3,771,000 | 1,090 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,691,000 | 767 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,080,000 | 1,089 |
| Total noninterest expense | $8,756,000 | 1,452 |
| Salaries and employee benefits | $5,360,000 | 1,295 |
| Premises and equipment expense | $1,110,000 | 1,636 |
| Additional noninterest expense | $2,286,000 | 1,645 |
| Pre-tax net operating income | $6,717,000 | 1,075 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $16,000 | 6,381 |
| Income before extraordinary items | $6,701,000 | 799 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,701,000 | 800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,863 |
| Cash dividends | $6,500,000 | 388 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,701,000 | 783 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,379,000 | 1,529 |
| Total interest expense | $2,434,000 | 2,039 |
| Net interest income | $7,945,000 | 1,351 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $2,407,000 | 1,104 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,091,000 | 771 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,316,000 | 1,102 |
| Total noninterest expense | $5,677,000 | 1,490 |
| Salaries and employee benefits | $3,479,000 | 1,314 |
| Premises and equipment expense | $729,000 | 1,644 |
| Additional noninterest expense | $1,469,000 | 1,680 |
| Pre-tax net operating income | $4,525,000 | 1,046 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $11,000 | 6,378 |
| Income before extraordinary items | $4,514,000 | 787 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,514,000 | 787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,311 |
| Cash dividends | $4,500,000 | 368 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $4,514,000 | 765 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,987,000 | 1,570 |
| Total interest expense | $1,048,000 | 2,229 |
| Net interest income | $3,939,000 | 1,356 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $1,102,000 | 1,159 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $514,000 | 795 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $588,000 | 1,187 |
| Total noninterest expense | $2,792,000 | 1,512 |
| Salaries and employee benefits | $1,750,000 | 1,313 |
| Premises and equipment expense | $361,000 | 1,673 |
| Additional noninterest expense | $681,000 | 1,813 |
| Pre-tax net operating income | $2,174,000 | 1,064 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $7,000 | 6,248 |
| Income before extraordinary items | $2,167,000 | 810 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,167,000 | 811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,290 |
| Cash dividends | $2,500,000 | 300 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,167,000 | 789 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,751,000 | 1,542 |
| Total interest expense | $2,740,000 | 2,815 |
| Net interest income | $16,011,000 | 1,263 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $5,081,000 | 1,067 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,382,000 | 741 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,699,000 | 1,056 |
| Total noninterest expense | $12,145,000 | 1,350 |
| Salaries and employee benefits | $7,454,000 | 1,162 |
| Premises and equipment expense | $1,588,000 | 1,449 |
| Additional noninterest expense | $3,103,000 | 1,574 |
| Pre-tax net operating income | $8,947,000 | 975 |
| Securities gains (losses) | $222,000 | 779 |
| Applicable income taxes | $29,000 | 6,371 |
| Income before extraordinary items | $9,140,000 | 732 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $9,140,000 | 733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,826 |
| Cash dividends | $7,000,000 | 467 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $8,918,000 | 716 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,825,000 | 1,550 |
| Total interest expense | $1,889,000 | 2,981 |
| Net interest income | $11,936,000 | 1,258 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $3,909,000 | 1,052 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,809,000 | 734 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,100,000 | 1,039 |
| Total noninterest expense | $9,027,000 | 1,359 |
| Salaries and employee benefits | $5,572,000 | 1,164 |
| Premises and equipment expense | $1,176,000 | 1,470 |
| Additional noninterest expense | $2,279,000 | 1,587 |
| Pre-tax net operating income | $6,818,000 | 973 |
| Securities gains (losses) | $222,000 | 725 |
| Applicable income taxes | $24,000 | 6,420 |
| Income before extraordinary items | $7,016,000 | 723 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $7,016,000 | 724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,231 |
| Cash dividends | $5,500,000 | 421 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,794,000 | 714 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,054,000 | 1,555 |
| Total interest expense | $1,185,000 | 3,116 |
| Net interest income | $7,869,000 | 1,261 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $2,686,000 | 1,023 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,191,000 | 732 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,495,000 | 991 |
| Total noninterest expense | $5,959,000 | 1,369 |
| Salaries and employee benefits | $3,724,000 | 1,172 |
| Premises and equipment expense | $775,000 | 1,495 |
| Additional noninterest expense | $1,460,000 | 1,649 |
| Pre-tax net operating income | $4,596,000 | 951 |
| Securities gains (losses) | $222,000 | 608 |
| Applicable income taxes | $116,000 | 4,650 |
| Income before extraordinary items | $4,702,000 | 709 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,702,000 | 709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 2,683 |
| Cash dividends | $4,000,000 | 394 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,484,440 | 704 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,420,000 | 1,599 |
| Total interest expense | $568,000 | 3,256 |
| Net interest income | $3,852,000 | 1,294 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,269,000 | 1,042 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $580,000 | 734 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $689,000 | 1,025 |
| Total noninterest expense | $3,022,000 | 1,358 |
| Salaries and employee benefits | $1,919,000 | 1,140 |
| Premises and equipment expense | $396,000 | 1,474 |
| Additional noninterest expense | $707,000 | 1,681 |
| Pre-tax net operating income | $2,099,000 | 1,032 |
| Securities gains (losses) | $222,000 | 463 |
| Applicable income taxes | $15,000 | 6,000 |
| Income before extraordinary items | $2,306,000 | 720 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,306,000 | 720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,086,220 | 750 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,720,000 | 1,619 |
| Total interest expense | $2,669,000 | 3,179 |
| Net interest income | $15,051,000 | 1,294 |
| Provision for loan and lease losses | $315,000 | 3,050 |
| Total noninterest income | $7,035,000 | 865 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,073,000 | 830 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,962,000 | 769 |
| Total noninterest expense | $12,133,000 | 1,332 |
| Salaries and employee benefits | $7,404,000 | 1,151 |
| Premises and equipment expense | $1,763,000 | 1,294 |
| Additional noninterest expense | $2,966,000 | 1,646 |
| Pre-tax net operating income | $9,638,000 | 882 |
| Securities gains (losses) | $81,000 | 2,082 |
| Applicable income taxes | $-2,000 | 8,704 |
| Income before extraordinary items | $9,721,000 | 670 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $9,721,000 | 672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,462 |
| Cash dividends | $7,000,000 | 483 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $9,640,000 | 634 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,194,000 | 1,652 |
| Total interest expense | $2,104,000 | 3,143 |
| Net interest income | $11,090,000 | 1,324 |
| Provision for loan and lease losses | $315,000 | 2,407 |
| Total noninterest income | $5,778,000 | 824 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,484,000 | 867 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,294,000 | 713 |
| Total noninterest expense | $9,035,000 | 1,349 |
| Salaries and employee benefits | $5,553,000 | 1,155 |
| Premises and equipment expense | $1,303,000 | 1,316 |
| Additional noninterest expense | $2,179,000 | 1,667 |
| Pre-tax net operating income | $7,518,000 | 892 |
| Securities gains (losses) | $80,000 | 1,936 |
| Applicable income taxes | $-6,000 | 8,891 |
| Income before extraordinary items | $7,604,000 | 675 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,604,000 | 676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,971 |
| Cash dividends | $5,500,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,524,000 | 639 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,796,000 | 1,672 |
| Total interest expense | $1,503,000 | 3,036 |
| Net interest income | $7,293,000 | 1,346 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $3,638,000 | 848 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $941,000 | 908 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,697,000 | 728 |
| Total noninterest expense | $5,897,000 | 1,368 |
| Salaries and employee benefits | $3,611,000 | 1,188 |
| Premises and equipment expense | $858,000 | 1,335 |
| Additional noninterest expense | $1,428,000 | 1,689 |
| Pre-tax net operating income | $4,764,000 | 925 |
| Securities gains (losses) | $81,000 | 1,672 |
| Applicable income taxes | $-10,000 | 8,996 |
| Income before extraordinary items | $4,855,000 | 710 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,855,000 | 711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,051 |
| Cash dividends | $4,000,000 | 418 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,774,000 | 666 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,430,000 | 1,673 |
| Total interest expense | $812,000 | 2,903 |
| Net interest income | $3,618,000 | 1,356 |
| Provision for loan and lease losses | $135,000 | 1,910 |
| Total noninterest income | $1,701,000 | 887 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $450,000 | 930 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,251,000 | 757 |
| Total noninterest expense | $2,961,000 | 1,363 |
| Salaries and employee benefits | $1,879,000 | 1,125 |
| Premises and equipment expense | $431,000 | 1,340 |
| Additional noninterest expense | $651,000 | 1,807 |
| Pre-tax net operating income | $2,223,000 | 992 |
| Securities gains (losses) | $50,000 | 1,389 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $2,273,000 | 748 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,273,000 | 747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $2,500,000 | 329 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,223,000 | 700 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,127,000 | 1,608 |
| Total interest expense | $4,254,000 | 2,600 |
| Net interest income | $14,873,000 | 1,299 |
| Provision for loan and lease losses | $480,000 | 2,438 |
| Total noninterest income | $5,488,000 | 965 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,731,000 | 926 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,757,000 | 859 |
| Total noninterest expense | $11,059,000 | 1,396 |
| Salaries and employee benefits | $6,622,000 | 1,215 |
| Premises and equipment expense | $1,734,000 | 1,261 |
| Additional noninterest expense | $2,703,000 | 1,735 |
| Pre-tax net operating income | $8,822,000 | 963 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $21,000 | 7,030 |
| Income before extraordinary items | $8,801,000 | 723 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $8,801,000 | 724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,694 |
| Cash dividends | $4,600,000 | 666 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $8,801,000 | 691 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $20,247,000 | 1,678 |
| Total interest expense | $7,214,000 | 2,219 |
| Net interest income | $13,033,000 | 1,365 |
| Provision for loan and lease losses | $420,000 | 2,511 |
| Total noninterest income | $4,310,000 | 1,121 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,884,000 | 781 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,426,000 | 1,089 |
| Total noninterest expense | $10,111,000 | 1,455 |
| Salaries and employee benefits | $5,793,000 | 1,283 |
| Premises and equipment expense | $1,649,000 | 1,301 |
| Additional noninterest expense | $2,669,000 | 1,719 |
| Pre-tax net operating income | $6,812,000 | 1,094 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $47,000 | 6,768 |
| Income before extraordinary items | $6,765,000 | 817 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,765,000 | 817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,409 |
| Cash dividends | $3,901,000 | 753 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,765,000 | 786 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,879,000 | 1,849 |
| Total interest expense | $7,967,000 | 2,151 |
| Net interest income | $10,912,000 | 1,602 |
| Provision for loan and lease losses | $421,000 | 2,179 |
| Total noninterest income | $3,192,000 | 1,278 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,734,000 | 785 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,458,000 | 1,411 |
| Total noninterest expense | $8,927,000 | 1,571 |
| Salaries and employee benefits | $5,044,000 | 1,401 |
| Premises and equipment expense | $1,639,000 | 1,245 |
| Additional noninterest expense | $2,244,000 | 1,939 |
| Pre-tax net operating income | $4,756,000 | 1,557 |
| Securities gains (losses) | $6,000 | 1,308 |
| Applicable income taxes | $253,000 | 4,954 |
| Income before extraordinary items | $4,509,000 | 1,175 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,509,000 | 1,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,566 |
| Cash dividends | $1,850,000 | 1,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,503,300 | 1,174 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $16,171,000 | 2,001 |
| Total interest expense | $6,473,000 | 2,277 |
| Net interest income | $9,698,000 | 1,796 |
| Provision for loan and lease losses | $420,000 | 2,015 |
| Total noninterest income | $2,843,000 | 1,419 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,566,000 | 845 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,277,000 | 1,560 |
| Total noninterest expense | $8,433,000 | 1,628 |
| Salaries and employee benefits | $4,745,000 | 1,448 |
| Premises and equipment expense | $1,615,000 | 1,254 |
| Additional noninterest expense | $2,073,000 | 2,101 |
| Pre-tax net operating income | $3,688,000 | 1,992 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $135,000 | 6,458 |
| Income before extraordinary items | $3,553,000 | 1,509 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,553,000 | 1,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $1,050,000 | 2,163 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 719 |
| Net operating income | $3,553,000 | 1,480 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,849,000 | 2,977 |
| Total interest expense | $4,616,000 | 3,229 |
| Net interest income | $6,233,000 | 2,752 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $2,405,000 | 1,583 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $941,000 | 1,327 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,464,000 | 1,425 |
| Total noninterest expense | $5,765,000 | 2,266 |
| Salaries and employee benefits | $3,262,000 | 2,074 |
| Premises and equipment expense | $1,094,000 | 1,801 |
| Additional noninterest expense | $1,409,000 | 2,940 |
| Pre-tax net operating income | $2,693,000 | 2,618 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $107,000 | 7,422 |
| Income before extraordinary items | $2,585,000 | 2,024 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,585,000 | 2,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,135 |
| Cash dividends | $850,000 | 2,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,585,960 | 1,945 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,458,000 | 3,413 |
| Total interest expense | $3,939,000 | 3,732 |
| Net interest income | $5,519,000 | 3,166 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $1,662,000 | 2,038 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $854,000 | 1,516 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $808,000 | 2,015 |
| Total noninterest expense | $5,103,000 | 2,515 |
| Salaries and employee benefits | $2,843,000 | 2,326 |
| Premises and equipment expense | $975,000 | 2,035 |
| Additional noninterest expense | $1,285,000 | 3,141 |
| Pre-tax net operating income | $1,958,000 | 3,606 |
| Securities gains (losses) | $-8,000 | 9,909 |
| Applicable income taxes | $573,000 | 3,819 |
| Income before extraordinary items | $1,377,000 | 3,618 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,377,000 | 3,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,506 |
| Cash dividends | $475,000 | 3,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,382,680 | 3,529 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,412,000 | 3,846 |
| Total interest expense | $3,383,000 | 4,322 |
| Net interest income | $5,029,000 | 3,512 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $1,534,000 | 2,267 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $819,000 | 1,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $715,000 | 2,264 |
| Total noninterest expense | $4,578,000 | 2,968 |
| Salaries and employee benefits | $2,478,000 | 2,726 |
| Premises and equipment expense | $927,000 | 2,150 |
| Additional noninterest expense | $1,173,000 | 3,851 |
| Pre-tax net operating income | $1,865,000 | 3,608 |
| Securities gains (losses) | $-5,000 | 9,952 |
| Applicable income taxes | $529,000 | 3,968 |
| Income before extraordinary items | $1,331,000 | 3,560 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,331,000 | 3,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,559 |
| Cash dividends | $475,000 | 3,536 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,334,600 | 3,501 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,530,000 | 4,248 |
| Total interest expense | $3,043,000 | 4,697 |
| Net interest income | $4,487,000 | 3,912 |
| Provision for loan and lease losses | $55,000 | 6,005 |
| Total noninterest income | $1,336,000 | 2,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $697,000 | 1,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $639,000 | 2,435 |
| Total noninterest expense | $4,102,000 | 3,242 |
| Salaries and employee benefits | $2,202,000 | 3,024 |
| Premises and equipment expense | $806,000 | 2,457 |
| Additional noninterest expense | $1,094,000 | 4,045 |
| Pre-tax net operating income | $1,666,000 | 4,089 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $434,000 | 4,658 |
| Income before extraordinary items | $1,232,000 | 3,868 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,232,000 | 3,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,662 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,232,000 | 3,843 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,281,000 | 4,667 |
| Total interest expense | $2,201,000 | 5,157 |
| Net interest income | $4,080,000 | 4,297 |
| Provision for loan and lease losses | $140,000 | 3,750 |
| Total noninterest income | $1,381,000 | 2,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $673,000 | 2,009 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $708,000 | 2,312 |
| Total noninterest expense | $3,968,000 | 3,452 |
| Salaries and employee benefits | $2,070,000 | 3,178 |
| Premises and equipment expense | $757,000 | 2,646 |
| Additional noninterest expense | $1,141,000 | 4,239 |
| Pre-tax net operating income | $1,353,000 | 4,787 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $254,000 | 6,467 |
| Income before extraordinary items | $1,099,000 | 4,184 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,099,000 | 4,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,099,000 | 4,233 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,991,000 | 4,962 |
| Total interest expense | $2,049,000 | 5,711 |
| Net interest income | $3,942,000 | 4,467 |
| Provision for loan and lease losses | $200,000 | 3,901 |
| Total noninterest income | $1,424,000 | 2,544 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $581,000 | 2,368 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $843,000 | 2,310 |
| Total noninterest expense | $3,597,000 | 3,820 |
| Salaries and employee benefits | $1,865,000 | 3,498 |
| Premises and equipment expense | $644,000 | 3,110 |
| Additional noninterest expense | $1,088,000 | 4,580 |
| Pre-tax net operating income | $1,569,000 | 4,152 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $363,000 | 5,359 |
| Income before extraordinary items | $1,222,000 | 3,945 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,222,000 | 4,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 6,815 |
| Cash dividends | $700,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,209,680 | 3,785 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,667,000 | 5,031 |
| Total interest expense | $2,721,000 | 5,606 |
| Net interest income | $3,946,000 | 4,504 |
| Provision for loan and lease losses | $160,000 | 5,897 |
| Total noninterest income | $939,000 | 3,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $554,000 | 2,489 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $385,000 | 3,796 |
| Total noninterest expense | $3,349,000 | 4,095 |
| Salaries and employee benefits | $1,666,000 | 3,854 |
| Premises and equipment expense | $559,000 | 3,598 |
| Additional noninterest expense | $1,124,000 | 4,604 |
| Pre-tax net operating income | $1,376,000 | 4,385 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $352,000 | 5,327 |
| Income before extraordinary items | $1,023,000 | 4,398 |
| Extraordinary gains, net | $16,000 | 1,276 |
| Net income | $1,039,000 | 4,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,023,740 | 4,089 |
* 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.