Home > The First National Bank of Mt. Auburn > Income and Expense
The First National Bank of Mt. Auburn, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $378,000 | 7,899 |
| Total interest expense | $214,000 | 7,387 |
| Net interest income | $164,000 | 8,138 |
| Provision for loan and lease losses | $3,000 | 5,879 |
| Total noninterest income | $19,000 | 7,748 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $10,000 | 6,870 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $9,000 | 7,309 |
| Total noninterest expense | $111,000 | 8,338 |
| Salaries and employee benefits | $50,000 | 8,385 |
| Premises and equipment expense | $9,000 | 8,302 |
| Additional noninterest expense | $52,000 | 7,956 |
| Pre-tax net operating income | $69,000 | 6,372 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $23,000 | 4,277 |
| Income before extraordinary items | $46,000 | 6,641 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $46,000 | 6,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,339 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $46,000 | 6,543 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,286,000 | 8,034 |
| Total interest expense | $719,000 | 7,621 |
| Net interest income | $567,000 | 8,224 |
| Provision for loan and lease losses | $12,000 | 6,512 |
| Total noninterest income | $66,000 | 7,880 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $45,000 | 6,835 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $21,000 | 7,774 |
| Total noninterest expense | $456,000 | 8,369 |
| Salaries and employee benefits | $203,000 | 8,422 |
| Premises and equipment expense | $35,000 | 8,360 |
| Additional noninterest expense | $218,000 | 7,948 |
| Pre-tax net operating income | $165,000 | 6,959 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $39,000 | 5,068 |
| Income before extraordinary items | $126,000 | 7,046 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $126,000 | 7,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,950 |
| Cash dividends | $70,000 | 5,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $126,000 | 7,021 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $937,000 | 8,119 |
| Total interest expense | $518,000 | 7,714 |
| Net interest income | $419,000 | 8,285 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $52,000 | 7,909 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $38,000 | 6,772 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $14,000 | 7,875 |
| Total noninterest expense | $339,000 | 8,370 |
| Salaries and employee benefits | $147,000 | 8,437 |
| Premises and equipment expense | $24,000 | 8,387 |
| Additional noninterest expense | $168,000 | 7,897 |
| Pre-tax net operating income | $132,000 | 7,203 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $31,000 | 5,240 |
| Income before extraordinary items | $101,000 | 7,266 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $101,000 | 7,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,250 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $101,000 | 7,252 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $607,000 | 8,200 |
| Total interest expense | $332,000 | 7,790 |
| Net interest income | $275,000 | 8,359 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $35,000 | 7,953 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $28,000 | 6,731 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $7,000 | 8,056 |
| Total noninterest expense | $224,000 | 8,430 |
| Salaries and employee benefits | $96,000 | 8,496 |
| Premises and equipment expense | $17,000 | 8,412 |
| Additional noninterest expense | $111,000 | 7,939 |
| Pre-tax net operating income | $86,000 | 7,328 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $21,000 | 5,320 |
| Income before extraordinary items | $65,000 | 7,371 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $65,000 | 7,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,518 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $65,000 | 7,361 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $297,000 | 8,270 |
| Total interest expense | $155,000 | 7,899 |
| Net interest income | $142,000 | 8,402 |
| Provision for loan and lease losses | $3,000 | 5,535 |
| Total noninterest income | $21,000 | 7,834 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $10,000 | 6,985 |
| Trading account gains and fees | $8,000 | 176 |
| Additional Noninterest Income | $3,000 | 8,103 |
| Total noninterest expense | $111,000 | 8,471 |
| Salaries and employee benefits | $47,000 | 8,542 |
| Premises and equipment expense | $9,000 | 8,425 |
| Additional noninterest expense | $55,000 | 7,986 |
| Pre-tax net operating income | $49,000 | 7,299 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $11,000 | 5,272 |
| Income before extraordinary items | $38,000 | 7,334 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $38,000 | 7,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $38,000 | 7,326 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,127,000 | 8,188 |
| Total interest expense | $531,000 | 7,863 |
| Net interest income | $596,000 | 8,329 |
| Provision for loan and lease losses | $12,000 | 6,496 |
| Total noninterest income | $73,000 | 8,015 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $36,000 | 7,090 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $37,000 | 7,547 |
| Total noninterest expense | $440,000 | 8,504 |
| Salaries and employee benefits | $196,000 | 8,554 |
| Premises and equipment expense | $34,000 | 8,495 |
| Additional noninterest expense | $210,000 | 8,059 |
| Pre-tax net operating income | $217,000 | 7,346 |
| Securities gains (losses) | $-5,000 | 7,083 |
| Applicable income taxes | $62,000 | 5,303 |
| Income before extraordinary items | $150,000 | 7,487 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $150,000 | 7,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,669 |
| Cash dividends | $45,000 | 5,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $153,550 | 7,468 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $831,000 | 8,275 |
| Total interest expense | $382,000 | 7,931 |
| Net interest income | $449,000 | 8,403 |
| Provision for loan and lease losses | $9,000 | 6,392 |
| Total noninterest income | $55,000 | 8,089 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $28,000 | 7,153 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $27,000 | 7,623 |
| Total noninterest expense | $338,000 | 8,531 |
| Salaries and employee benefits | $150,000 | 8,602 |
| Premises and equipment expense | $24,000 | 8,566 |
| Additional noninterest expense | $164,000 | 8,039 |
| Pre-tax net operating income | $157,000 | 7,594 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $47,000 | 5,474 |
| Income before extraordinary items | $110,000 | 7,674 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $110,000 | 7,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $110,000 | 7,678 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $546,000 | 8,320 |
| Total interest expense | $241,000 | 7,979 |
| Net interest income | $305,000 | 8,447 |
| Provision for loan and lease losses | $6,000 | 6,150 |
| Total noninterest income | $36,000 | 8,152 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $18,000 | 7,222 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 7,655 |
| Total noninterest expense | $228,000 | 8,567 |
| Salaries and employee benefits | $100,000 | 8,646 |
| Premises and equipment expense | $16,000 | 8,603 |
| Additional noninterest expense | $112,000 | 8,033 |
| Pre-tax net operating income | $107,000 | 7,650 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $36,000 | 5,457 |
| Income before extraordinary items | $71,000 | 7,755 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $71,000 | 7,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $71,000 | 7,759 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $270,000 | 8,344 |
| Total interest expense | $113,000 | 8,026 |
| Net interest income | $157,000 | 8,455 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $20,000 | 8,055 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $9,000 | 7,226 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,462 |
| Total noninterest expense | $110,000 | 8,602 |
| Salaries and employee benefits | $50,000 | 8,658 |
| Premises and equipment expense | $9,000 | 8,564 |
| Additional noninterest expense | $51,000 | 8,144 |
| Pre-tax net operating income | $64,000 | 7,520 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $19,000 | 5,395 |
| Income before extraordinary items | $45,000 | 7,616 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $45,000 | 7,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $45,000 | 7,618 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,052,000 | 8,292 |
| Total interest expense | $384,000 | 7,941 |
| Net interest income | $668,000 | 8,371 |
| Provision for loan and lease losses | $12,000 | 6,720 |
| Total noninterest income | $58,000 | 8,369 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $9,000 | 7,607 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $49,000 | 7,413 |
| Total noninterest expense | $451,000 | 8,623 |
| Salaries and employee benefits | $194,000 | 8,693 |
| Premises and equipment expense | $35,000 | 8,634 |
| Additional noninterest expense | $222,000 | 8,097 |
| Pre-tax net operating income | $263,000 | 7,515 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $80,000 | 5,540 |
| Income before extraordinary items | $183,000 | 7,663 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $183,000 | 7,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,434 |
| Cash dividends | $80,000 | 5,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $183,000 | 7,630 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $785,000 | 8,323 |
| Total interest expense | $275,000 | 7,983 |
| Net interest income | $510,000 | 8,401 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $43,000 | 8,410 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $8,000 | 7,642 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 7,480 |
| Total noninterest expense | $350,000 | 8,596 |
| Salaries and employee benefits | $145,000 | 8,703 |
| Premises and equipment expense | $26,000 | 8,639 |
| Additional noninterest expense | $179,000 | 7,997 |
| Pre-tax net operating income | $194,000 | 7,653 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $58,000 | 5,689 |
| Income before extraordinary items | $136,000 | 7,768 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $136,000 | 7,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,742 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $136,000 | 7,734 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $512,000 | 8,357 |
| Total interest expense | $176,000 | 7,987 |
| Net interest income | $336,000 | 8,427 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $27,000 | 8,440 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $3,000 | 7,707 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $24,000 | 7,442 |
| Total noninterest expense | $224,000 | 8,628 |
| Salaries and employee benefits | $97,000 | 8,720 |
| Premises and equipment expense | $17,000 | 8,642 |
| Additional noninterest expense | $110,000 | 8,091 |
| Pre-tax net operating income | $133,000 | 7,646 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $33,000 | 5,805 |
| Income before extraordinary items | $100,000 | 7,743 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $100,000 | 7,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $100,000 | 7,696 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $250,000 | 8,447 |
| Total interest expense | $83,000 | 8,071 |
| Net interest income | $167,000 | 8,511 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $14,000 | 8,474 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $2,000 | 7,752 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $111,000 | 8,697 |
| Salaries and employee benefits | $48,000 | 8,791 |
| Premises and equipment expense | $8,000 | 8,706 |
| Additional noninterest expense | $55,000 | 8,158 |
| Pre-tax net operating income | $67,000 | 7,674 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $16,000 | 5,817 |
| Income before extraordinary items | $51,000 | 7,750 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $51,000 | 7,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $51,000 | 7,721 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,046,000 | 8,359 |
| Total interest expense | $354,000 | 7,861 |
| Net interest income | $692,000 | 8,449 |
| Provision for loan and lease losses | $12,000 | 6,941 |
| Total noninterest income | $54,000 | 8,553 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $7,000 | 7,808 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $47,000 | 7,478 |
| Total noninterest expense | $438,000 | 8,747 |
| Salaries and employee benefits | $182,000 | 8,837 |
| Premises and equipment expense | $39,000 | 8,731 |
| Additional noninterest expense | $217,000 | 8,212 |
| Pre-tax net operating income | $296,000 | 7,453 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $85,000 | 5,673 |
| Income before extraordinary items | $211,000 | 7,591 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $211,000 | 7,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,559 |
| Cash dividends | $80,000 | 5,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $211,000 | 7,553 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $782,000 | 8,408 |
| Total interest expense | $270,000 | 7,875 |
| Net interest income | $512,000 | 8,499 |
| Provision for loan and lease losses | $9,000 | 6,765 |
| Total noninterest income | $42,000 | 8,580 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $5,000 | 7,853 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $37,000 | 7,447 |
| Total noninterest expense | $323,000 | 8,779 |
| Salaries and employee benefits | $136,000 | 8,879 |
| Premises and equipment expense | $29,000 | 8,755 |
| Additional noninterest expense | $158,000 | 8,257 |
| Pre-tax net operating income | $222,000 | 7,586 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $56,000 | 5,887 |
| Income before extraordinary items | $166,000 | 7,684 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $166,000 | 7,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $166,000 | 7,633 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $514,000 | 8,469 |
| Total interest expense | $181,000 | 7,929 |
| Net interest income | $333,000 | 8,578 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $29,000 | 8,623 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $4,000 | 7,894 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $25,000 | 7,479 |
| Total noninterest expense | $216,000 | 8,837 |
| Salaries and employee benefits | $90,000 | 8,939 |
| Premises and equipment expense | $20,000 | 8,782 |
| Additional noninterest expense | $106,000 | 8,278 |
| Pre-tax net operating income | $140,000 | 7,630 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $33,000 | 5,966 |
| Income before extraordinary items | $107,000 | 7,712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $107,000 | 7,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $107,000 | 7,643 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $253,000 | 8,540 |
| Total interest expense | $90,000 | 7,997 |
| Net interest income | $163,000 | 8,635 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $15,000 | 8,621 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,000 | 7,896 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $13,000 | 7,451 |
| Total noninterest expense | $110,000 | 8,867 |
| Salaries and employee benefits | $44,000 | 8,989 |
| Premises and equipment expense | $11,000 | 8,739 |
| Additional noninterest expense | $55,000 | 8,277 |
| Pre-tax net operating income | $65,000 | 7,680 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $17,000 | 5,912 |
| Income before extraordinary items | $48,000 | 7,820 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $48,000 | 7,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $48,000 | 7,758 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,051,000 | 8,535 |
| Total interest expense | $462,000 | 7,888 |
| Net interest income | $589,000 | 8,709 |
| Provision for loan and lease losses | $8,000 | 7,438 |
| Total noninterest income | $63,000 | 8,671 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $33,000 | 7,674 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $30,000 | 8,120 |
| Total noninterest expense | $433,000 | 8,927 |
| Salaries and employee benefits | $179,000 | 9,028 |
| Premises and equipment expense | $42,000 | 8,879 |
| Additional noninterest expense | $212,000 | 8,365 |
| Pre-tax net operating income | $211,000 | 7,789 |
| Securities gains (losses) | $32,000 | 2,881 |
| Applicable income taxes | $96,000 | 5,763 |
| Income before extraordinary items | $147,000 | 8,025 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $147,000 | 8,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,809 |
| Cash dividends | $75,000 | 5,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $126,520 | 7,987 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $802,000 | 8,611 |
| Total interest expense | $363,000 | 7,945 |
| Net interest income | $439,000 | 8,783 |
| Provision for loan and lease losses | $6,000 | 7,313 |
| Total noninterest income | $49,000 | 8,734 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $25,000 | 7,738 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 8,092 |
| Total noninterest expense | $320,000 | 8,976 |
| Salaries and employee benefits | $134,000 | 9,084 |
| Premises and equipment expense | $31,000 | 8,911 |
| Additional noninterest expense | $155,000 | 8,414 |
| Pre-tax net operating income | $162,000 | 7,913 |
| Securities gains (losses) | $32,000 | 2,649 |
| Applicable income taxes | $77,000 | 5,843 |
| Income before extraordinary items | $117,000 | 8,109 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $117,000 | 8,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $96,520 | 8,113 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $541,000 | 8,652 |
| Total interest expense | $252,000 | 7,998 |
| Net interest income | $289,000 | 8,821 |
| Provision for loan and lease losses | $2,000 | 7,249 |
| Total noninterest income | $33,000 | 8,738 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $15,000 | 7,804 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $18,000 | 7,952 |
| Total noninterest expense | $211,000 | 9,008 |
| Salaries and employee benefits | $90,000 | 9,117 |
| Premises and equipment expense | $20,000 | 8,935 |
| Additional noninterest expense | $101,000 | 8,436 |
| Pre-tax net operating income | $109,000 | 7,930 |
| Securities gains (losses) | $32,000 | 2,321 |
| Applicable income taxes | $57,000 | 5,788 |
| Income before extraordinary items | $84,000 | 8,106 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $84,000 | 8,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $63,520 | 8,167 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $275,000 | 8,698 |
| Total interest expense | $130,000 | 8,040 |
| Net interest income | $145,000 | 8,878 |
| Provision for loan and lease losses | $1,000 | 6,877 |
| Total noninterest income | $14,000 | 8,843 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $7,000 | 7,830 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $102,000 | 9,077 |
| Salaries and employee benefits | $45,000 | 9,163 |
| Premises and equipment expense | $10,000 | 8,968 |
| Additional noninterest expense | $47,000 | 8,571 |
| Pre-tax net operating income | $56,000 | 7,901 |
| Securities gains (losses) | $32,000 | 1,647 |
| Applicable income taxes | $38,000 | 5,468 |
| Income before extraordinary items | $50,000 | 7,898 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $50,000 | 7,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $29,520 | 8,167 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,203,000 | 8,681 |
| Total interest expense | $655,000 | 7,937 |
| Net interest income | $548,000 | 8,951 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $62,000 | 8,848 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $30,000 | 7,861 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $32,000 | 8,125 |
| Total noninterest expense | $425,000 | 9,106 |
| Salaries and employee benefits | $155,000 | 9,223 |
| Premises and equipment expense | $48,000 | 8,935 |
| Additional noninterest expense | $222,000 | 8,395 |
| Pre-tax net operating income | $185,000 | 7,983 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $56,000 | 6,444 |
| Income before extraordinary items | $129,000 | 8,199 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $129,000 | 8,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,420 |
| Cash dividends | $50,000 | 5,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $129,000 | 8,097 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,281,000 | 8,921 |
| Total interest expense | $758,000 | 8,522 |
| Net interest income | $523,000 | 9,152 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $58,000 | 9,070 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $28,000 | 8,010 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $30,000 | 8,341 |
| Total noninterest expense | $401,000 | 9,364 |
| Salaries and employee benefits | $146,000 | 9,499 |
| Premises and equipment expense | $33,000 | 9,376 |
| Additional noninterest expense | $222,000 | 8,477 |
| Pre-tax net operating income | $180,000 | 7,977 |
| Securities gains (losses) | $-6,000 | 9,232 |
| Applicable income taxes | $45,000 | 6,794 |
| Income before extraordinary items | $129,000 | 8,161 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $129,000 | 8,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 473 |
| Net operating income | $133,440 | 8,024 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,248,000 | 9,197 |
| Total interest expense | $703,000 | 8,863 |
| Net interest income | $545,000 | 9,380 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $51,000 | 9,318 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 8,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 8,576 |
| Total noninterest expense | $315,000 | 9,734 |
| Salaries and employee benefits | $151,000 | 9,747 |
| Premises and equipment expense | $32,000 | 9,646 |
| Additional noninterest expense | $132,000 | 9,399 |
| Pre-tax net operating income | $281,000 | 7,985 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $88,000 | 6,675 |
| Income before extraordinary items | $193,000 | 8,109 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $193,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $245,000 | 4,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $193,000 | 8,109 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,160,000 | 9,470 |
| Total interest expense | $639,000 | 9,108 |
| Net interest income | $521,000 | 9,648 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $54,000 | 9,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 8,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 8,795 |
| Total noninterest expense | $325,000 | 10,020 |
| Salaries and employee benefits | $164,000 | 10,013 |
| Premises and equipment expense | $32,000 | 9,947 |
| Additional noninterest expense | $129,000 | 9,713 |
| Pre-tax net operating income | $250,000 | 8,339 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $78,000 | 7,215 |
| Income before extraordinary items | $172,000 | 8,491 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $172,000 | 8,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,900 |
| Cash dividends | $75,000 | 6,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $172,000 | 8,455 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 9,704 |
| Total interest expense | $654,000 | 9,327 |
| Net interest income | $505,000 | 9,910 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $55,000 | 9,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 8,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 8,965 |
| Total noninterest expense | $308,000 | 10,248 |
| Salaries and employee benefits | $148,000 | 10,275 |
| Premises and equipment expense | $32,000 | 10,146 |
| Additional noninterest expense | $128,000 | 9,882 |
| Pre-tax net operating income | $252,000 | 8,656 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $74,000 | 7,918 |
| Income before extraordinary items | $178,000 | 8,781 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $178,000 | 8,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $150,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $178,000 | 8,714 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,110,000 | 10,186 |
| Total interest expense | $586,000 | 9,872 |
| Net interest income | $524,000 | 10,331 |
| Provision for loan and lease losses | $6,000 | 8,580 |
| Total noninterest income | $52,000 | 10,248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,328 |
| Total noninterest expense | $304,000 | 10,693 |
| Salaries and employee benefits | $136,000 | 10,744 |
| Premises and equipment expense | $30,000 | 10,611 |
| Additional noninterest expense | $138,000 | 10,142 |
| Pre-tax net operating income | $266,000 | 9,204 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $83,000 | 8,702 |
| Income before extraordinary items | $183,000 | 9,307 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $183,000 | 9,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,725 |
| Cash dividends | $197,000 | 5,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $183,000 | 9,265 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,057,000 | 10,742 |
| Total interest expense | $546,000 | 10,457 |
| Net interest income | $511,000 | 10,868 |
| Provision for loan and lease losses | $14,000 | 8,292 |
| Total noninterest income | $60,000 | 10,673 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 9,477 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,600 |
| Total noninterest expense | $297,000 | 11,230 |
| Salaries and employee benefits | $135,000 | 11,279 |
| Premises and equipment expense | $33,000 | 11,075 |
| Additional noninterest expense | $129,000 | 10,805 |
| Pre-tax net operating income | $260,000 | 9,409 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $82,000 | 9,093 |
| Income before extraordinary items | $178,000 | 9,501 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $178,000 | 9,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,098 |
| Cash dividends | $30,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $178,000 | 9,445 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $973,000 | 11,326 |
| Total interest expense | $498,000 | 11,020 |
| Net interest income | $475,000 | 11,457 |
| Provision for loan and lease losses | $16,000 | 7,905 |
| Total noninterest income | $54,000 | 11,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 9,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,138 |
| Total noninterest expense | $296,000 | 11,725 |
| Salaries and employee benefits | $135,000 | 11,787 |
| Premises and equipment expense | $26,000 | 11,697 |
| Additional noninterest expense | $135,000 | 11,244 |
| Pre-tax net operating income | $217,000 | 10,353 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $67,000 | 9,845 |
| Income before extraordinary items | $150,000 | 10,463 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $150,000 | 10,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $78,000 | 7,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $150,000 | 10,436 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $817,000 | 12,041 |
| Total interest expense | $360,000 | 11,784 |
| Net interest income | $457,000 | 12,114 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $58,000 | 11,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 10,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,473 |
| Total noninterest expense | $333,000 | 12,260 |
| Salaries and employee benefits | $127,000 | 12,448 |
| Premises and equipment expense | $31,000 | 12,206 |
| Additional noninterest expense | $175,000 | 11,469 |
| Pre-tax net operating income | $182,000 | 11,037 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $53,000 | 10,390 |
| Income before extraordinary items | $129,000 | 11,068 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $129,000 | 11,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $105,000 | 6,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $129,000 | 11,112 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $831,000 | 12,613 |
| Total interest expense | $384,000 | 12,297 |
| Net interest income | $447,000 | 12,697 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $51,000 | 12,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 10,936 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 11,437 |
| Total noninterest expense | $297,000 | 12,992 |
| Salaries and employee benefits | $121,000 | 13,117 |
| Premises and equipment expense | $29,000 | 12,876 |
| Additional noninterest expense | $147,000 | 12,465 |
| Pre-tax net operating income | $201,000 | 11,025 |
| Securities gains (losses) | $-5,000 | 12,580 |
| Applicable income taxes | $59,000 | 10,725 |
| Income before extraordinary items | $137,000 | 11,372 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $137,000 | 11,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $160,000 | 5,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $140,500 | 11,122 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $887,000 | 13,214 |
| Total interest expense | $480,000 | 12,844 |
| Net interest income | $407,000 | 13,371 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $48,000 | 13,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 11,220 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 12,330 |
| Total noninterest expense | $285,000 | 13,603 |
| Salaries and employee benefits | $111,000 | 13,748 |
| Premises and equipment expense | $29,000 | 13,446 |
| Additional noninterest expense | $145,000 | 13,029 |
| Pre-tax net operating income | $170,000 | 11,337 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $51,000 | 11,224 |
| Income before extraordinary items | $120,000 | 11,675 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $120,000 | 11,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 12,654 |
| Cash dividends | $45,000 | 7,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $119,300 | 11,370 |
* 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.