Home > The First National Bank of Mt. Pulaski > Income and Expense
The First National Bank of Mt. Pulaski, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,555,000 | 7,163 |
| Total interest expense | $1,133,000 | 6,961 |
| Net interest income | $1,422,000 | 7,224 |
| Provision for loan and lease losses | $275,000 | 3,345 |
| Total noninterest income | $525,000 | 4,922 |
| Gross Fiduciary activities income | $38,000 | 1,056 |
| Service charges on deposit accounts | $11,000 | 7,290 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $476,000 | 3,401 |
| Total noninterest expense | $1,612,000 | 6,756 |
| Salaries and employee benefits | $744,000 | 7,139 |
| Premises and equipment expense | $267,000 | 6,066 |
| Additional noninterest expense | $601,000 | 6,118 |
| Pre-tax net operating income | $60,000 | 7,265 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $60,000 | 7,293 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $60,000 | 7,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,934 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $60,000 | 7,263 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,921,000 | 7,205 |
| Total interest expense | $856,000 | 6,985 |
| Net interest income | $1,065,000 | 7,272 |
| Provision for loan and lease losses | $125,000 | 3,799 |
| Total noninterest income | $156,000 | 6,716 |
| Gross Fiduciary activities income | $2,000 | 1,352 |
| Service charges on deposit accounts | $8,000 | 7,322 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $146,000 | 5,142 |
| Total noninterest expense | $1,131,000 | 6,895 |
| Salaries and employee benefits | $559,000 | 7,103 |
| Premises and equipment expense | $171,000 | 6,453 |
| Additional noninterest expense | $401,000 | 6,397 |
| Pre-tax net operating income | $-35,000 | 7,713 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-35,000 | 7,748 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-35,000 | 7,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,364 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-35,000 | 7,730 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,307,000 | 7,202 |
| Total interest expense | $572,000 | 7,010 |
| Net interest income | $735,000 | 7,256 |
| Provision for loan and lease losses | $25,000 | 5,140 |
| Total noninterest income | $110,000 | 6,684 |
| Gross Fiduciary activities income | $1,000 | 1,345 |
| Service charges on deposit accounts | $5,000 | 7,379 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $104,000 | 5,056 |
| Total noninterest expense | $751,000 | 6,941 |
| Salaries and employee benefits | $374,000 | 7,142 |
| Premises and equipment expense | $112,000 | 6,531 |
| Additional noninterest expense | $265,000 | 6,441 |
| Pre-tax net operating income | $69,000 | 7,415 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $69,000 | 7,337 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $69,000 | 7,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,291 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $69,000 | 7,329 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $649,000 | 7,244 |
| Total interest expense | $281,000 | 7,042 |
| Net interest income | $368,000 | 7,298 |
| Provision for loan and lease losses | $5,000 | 5,396 |
| Total noninterest income | $60,000 | 6,528 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $3,000 | 7,373 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $57,000 | 4,859 |
| Total noninterest expense | $378,000 | 6,963 |
| Salaries and employee benefits | $190,000 | 7,163 |
| Premises and equipment expense | $56,000 | 6,566 |
| Additional noninterest expense | $132,000 | 6,458 |
| Pre-tax net operating income | $45,000 | 7,346 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $45,000 | 7,226 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $45,000 | 7,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 8,455 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $45,000 | 7,220 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,356,000 | 7,259 |
| Total interest expense | $1,023,000 | 6,902 |
| Net interest income | $1,333,000 | 7,399 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $239,000 | 6,608 |
| Gross Fiduciary activities income | $3,000 | 1,398 |
| Service charges on deposit accounts | $12,000 | 7,388 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $224,000 | 4,902 |
| Total noninterest expense | $1,497,000 | 6,900 |
| Salaries and employee benefits | $793,000 | 6,978 |
| Premises and equipment expense | $270,000 | 6,010 |
| Additional noninterest expense | $434,000 | 6,892 |
| Pre-tax net operating income | $75,000 | 7,782 |
| Securities gains (losses) | $-6,000 | 7,127 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $69,000 | 7,790 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $69,000 | 7,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,593 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $75,000 | 7,760 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,740,000 | 7,322 |
| Total interest expense | $758,000 | 6,902 |
| Net interest income | $982,000 | 7,499 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $174,000 | 6,715 |
| Gross Fiduciary activities income | $2,000 | 1,362 |
| Service charges on deposit accounts | $10,000 | 7,439 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $162,000 | 4,975 |
| Total noninterest expense | $1,146,000 | 6,856 |
| Salaries and employee benefits | $629,000 | 6,832 |
| Premises and equipment expense | $203,000 | 6,030 |
| Additional noninterest expense | $314,000 | 7,000 |
| Pre-tax net operating income | $10,000 | 8,081 |
| Securities gains (losses) | $-6,000 | 7,439 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $4,000 | 8,119 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,000 | 8,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,074 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $10,000 | 8,091 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,160,000 | 7,328 |
| Total interest expense | $491,000 | 6,891 |
| Net interest income | $669,000 | 7,517 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $110,000 | 6,811 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $6,000 | 7,512 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $103,000 | 5,064 |
| Total noninterest expense | $847,000 | 6,631 |
| Salaries and employee benefits | $435,000 | 6,774 |
| Premises and equipment expense | $135,000 | 6,040 |
| Additional noninterest expense | $277,000 | 6,308 |
| Pre-tax net operating income | $-68,000 | 8,308 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-68,000 | 8,309 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-68,000 | 8,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,293 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-68,000 | 8,304 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $574,000 | 7,348 |
| Total interest expense | $239,000 | 6,868 |
| Net interest income | $335,000 | 7,524 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $50,000 | 6,943 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,000 | 7,527 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $47,000 | 5,227 |
| Total noninterest expense | $431,000 | 6,588 |
| Salaries and employee benefits | $226,000 | 6,695 |
| Premises and equipment expense | $67,000 | 6,079 |
| Additional noninterest expense | $138,000 | 6,297 |
| Pre-tax net operating income | $-46,000 | 8,368 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-46,000 | 8,376 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-46,000 | 8,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 8,471 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-46,000 | 8,362 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,421,000 | 7,074 |
| Total interest expense | $819,000 | 6,723 |
| Net interest income | $1,602,000 | 7,158 |
| Provision for loan and lease losses | $150,000 | 4,107 |
| Total noninterest income | $236,000 | 6,784 |
| Gross Fiduciary activities income | $6,000 | 1,363 |
| Service charges on deposit accounts | $14,000 | 7,544 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $216,000 | 5,012 |
| Total noninterest expense | $1,997,000 | 6,124 |
| Salaries and employee benefits | $885,000 | 6,687 |
| Premises and equipment expense | $277,000 | 5,944 |
| Additional noninterest expense | $835,000 | 5,022 |
| Pre-tax net operating income | $-309,000 | 8,433 |
| Securities gains (losses) | $26,000 | 1,166 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-283,000 | 8,456 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-283,000 | 8,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 2,657 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-309,000 | 8,448 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,822,000 | 7,082 |
| Total interest expense | $594,000 | 6,736 |
| Net interest income | $1,228,000 | 7,148 |
| Provision for loan and lease losses | $100,000 | 4,154 |
| Total noninterest income | $169,000 | 6,899 |
| Gross Fiduciary activities income | $3,000 | 1,346 |
| Service charges on deposit accounts | $11,000 | 7,593 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $155,000 | 5,131 |
| Total noninterest expense | $1,515,000 | 6,041 |
| Salaries and employee benefits | $672,000 | 6,651 |
| Premises and equipment expense | $208,000 | 5,943 |
| Additional noninterest expense | $635,000 | 4,929 |
| Pre-tax net operating income | $-218,000 | 8,496 |
| Securities gains (losses) | $26,000 | 1,129 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-192,000 | 8,514 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-192,000 | 8,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 2,846 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-218,000 | 8,496 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,220,000 | 7,036 |
| Total interest expense | $379,000 | 6,730 |
| Net interest income | $841,000 | 7,079 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $106,000 | 6,966 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $7,000 | 7,607 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $98,000 | 5,236 |
| Total noninterest expense | $1,037,000 | 5,935 |
| Salaries and employee benefits | $460,000 | 6,585 |
| Premises and equipment expense | $137,000 | 5,971 |
| Additional noninterest expense | $440,000 | 4,796 |
| Pre-tax net operating income | $-190,000 | 8,548 |
| Securities gains (losses) | $26,000 | 1,021 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-164,000 | 8,560 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-164,000 | 8,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 1,912 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-190,000 | 8,551 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $621,000 | 7,023 |
| Total interest expense | $184,000 | 6,741 |
| Net interest income | $437,000 | 7,057 |
| Provision for loan and lease losses | $85,000 | 2,331 |
| Total noninterest income | $59,000 | 6,784 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $4,000 | 7,641 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $54,000 | 5,007 |
| Total noninterest expense | $499,000 | 6,111 |
| Salaries and employee benefits | $227,000 | 6,667 |
| Premises and equipment expense | $70,000 | 5,955 |
| Additional noninterest expense | $202,000 | 5,032 |
| Pre-tax net operating income | $-88,000 | 8,631 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-88,000 | 8,652 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-88,000 | 8,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,154 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-88,000 | 8,630 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,581,000 | 6,818 |
| Total interest expense | $645,000 | 6,795 |
| Net interest income | $1,936,000 | 6,714 |
| Provision for loan and lease losses | $162,000 | 4,106 |
| Total noninterest income | $270,000 | 6,612 |
| Gross Fiduciary activities income | $5,000 | 1,406 |
| Service charges on deposit accounts | $17,000 | 7,698 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $248,000 | 4,659 |
| Total noninterest expense | $1,937,000 | 6,102 |
| Salaries and employee benefits | $904,000 | 6,595 |
| Premises and equipment expense | $272,000 | 5,968 |
| Additional noninterest expense | $761,000 | 5,268 |
| Pre-tax net operating income | $107,000 | 8,090 |
| Securities gains (losses) | $19,000 | 2,428 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $126,000 | 7,986 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $126,000 | 7,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,536 |
| Cash dividends | $38,000 | 5,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $107,000 | 8,018 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,932,000 | 6,844 |
| Total interest expense | $467,000 | 6,876 |
| Net interest income | $1,465,000 | 6,693 |
| Provision for loan and lease losses | $147,000 | 3,580 |
| Total noninterest income | $218,000 | 6,525 |
| Gross Fiduciary activities income | $3,000 | 1,390 |
| Service charges on deposit accounts | $13,000 | 7,737 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $202,000 | 4,478 |
| Total noninterest expense | $1,465,000 | 6,039 |
| Salaries and employee benefits | $693,000 | 6,493 |
| Premises and equipment expense | $203,000 | 5,940 |
| Additional noninterest expense | $569,000 | 5,223 |
| Pre-tax net operating income | $71,000 | 8,241 |
| Securities gains (losses) | $15,000 | 2,477 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $86,000 | 8,158 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $86,000 | 8,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,081 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $71,000 | 8,177 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,277,000 | 6,897 |
| Total interest expense | $307,000 | 6,935 |
| Net interest income | $970,000 | 6,743 |
| Provision for loan and lease losses | $92,000 | 3,617 |
| Total noninterest income | $140,000 | 6,616 |
| Gross Fiduciary activities income | $2,000 | 1,383 |
| Service charges on deposit accounts | $9,000 | 7,775 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $129,000 | 4,617 |
| Total noninterest expense | $971,000 | 6,091 |
| Salaries and employee benefits | $466,000 | 6,524 |
| Premises and equipment expense | $134,000 | 6,006 |
| Additional noninterest expense | $371,000 | 5,325 |
| Pre-tax net operating income | $47,000 | 8,257 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $47,000 | 8,251 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $47,000 | 8,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 1,968 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $47,000 | 8,190 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $628,000 | 6,957 |
| Total interest expense | $156,000 | 6,953 |
| Net interest income | $472,000 | 6,853 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $58,000 | 6,943 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $4,000 | 7,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $53,000 | 5,009 |
| Total noninterest expense | $479,000 | 6,181 |
| Salaries and employee benefits | $234,000 | 6,545 |
| Premises and equipment expense | $67,000 | 6,015 |
| Additional noninterest expense | $178,000 | 5,468 |
| Pre-tax net operating income | $39,000 | 8,061 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $39,000 | 7,981 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $39,000 | 7,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $39,000 | 7,920 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,724,000 | 6,816 |
| Total interest expense | $854,000 | 6,548 |
| Net interest income | $1,870,000 | 6,780 |
| Provision for loan and lease losses | $343,000 | 2,895 |
| Total noninterest income | $335,000 | 6,356 |
| Gross Fiduciary activities income | $3,000 | 1,497 |
| Service charges on deposit accounts | $20,000 | 7,840 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $312,000 | 4,432 |
| Total noninterest expense | $1,841,000 | 6,274 |
| Salaries and employee benefits | $846,000 | 6,759 |
| Premises and equipment expense | $268,000 | 5,987 |
| Additional noninterest expense | $727,000 | 5,372 |
| Pre-tax net operating income | $21,000 | 8,465 |
| Securities gains (losses) | $9,000 | 3,670 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $30,000 | 8,535 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $30,000 | 8,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 2,013 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $21,000 | 8,474 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,093,000 | 6,825 |
| Total interest expense | $681,000 | 6,534 |
| Net interest income | $1,412,000 | 6,814 |
| Provision for loan and lease losses | $333,000 | 2,327 |
| Total noninterest income | $265,000 | 6,276 |
| Gross Fiduciary activities income | $3,000 | 1,448 |
| Service charges on deposit accounts | $15,000 | 7,903 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $247,000 | 4,401 |
| Total noninterest expense | $1,385,000 | 6,217 |
| Salaries and employee benefits | $637,000 | 6,758 |
| Premises and equipment expense | $198,000 | 6,030 |
| Additional noninterest expense | $550,000 | 5,324 |
| Pre-tax net operating income | $-41,000 | 8,708 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-41,000 | 8,793 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-41,000 | 8,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $366,000 | 1,495 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-41,000 | 8,707 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,424,000 | 6,820 |
| Total interest expense | $486,000 | 6,476 |
| Net interest income | $938,000 | 6,838 |
| Provision for loan and lease losses | $311,000 | 1,739 |
| Total noninterest income | $190,000 | 6,114 |
| Gross Fiduciary activities income | $1,000 | 1,488 |
| Service charges on deposit accounts | $10,000 | 7,926 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $179,000 | 4,239 |
| Total noninterest expense | $934,000 | 6,203 |
| Salaries and employee benefits | $421,000 | 6,807 |
| Premises and equipment expense | $129,000 | 6,077 |
| Additional noninterest expense | $384,000 | 5,152 |
| Pre-tax net operating income | $-117,000 | 8,844 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-117,000 | 8,933 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-117,000 | 8,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $342,000 | 1,128 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-117,000 | 8,849 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $729,000 | 6,786 |
| Total interest expense | $253,000 | 6,459 |
| Net interest income | $476,000 | 6,782 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $76,000 | 6,544 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $5,000 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 4,607 |
| Total noninterest expense | $504,000 | 5,970 |
| Salaries and employee benefits | $210,000 | 6,833 |
| Premises and equipment expense | $66,000 | 6,019 |
| Additional noninterest expense | $228,000 | 4,528 |
| Pre-tax net operating income | $8,000 | 8,597 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $8,000 | 8,659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,000 | 8,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 1,934 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $8,000 | 8,552 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,203,000 | 6,640 |
| Total interest expense | $1,266,000 | 6,269 |
| Net interest income | $1,937,000 | 6,723 |
| Provision for loan and lease losses | $84,000 | 5,998 |
| Total noninterest income | $270,000 | 6,696 |
| Gross Fiduciary activities income | $5,000 | 1,497 |
| Service charges on deposit accounts | $23,000 | 7,944 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $242,000 | 4,667 |
| Total noninterest expense | $1,842,000 | 6,176 |
| Salaries and employee benefits | $844,000 | 6,720 |
| Premises and equipment expense | $271,000 | 5,879 |
| Additional noninterest expense | $727,000 | 5,281 |
| Pre-tax net operating income | $281,000 | 7,621 |
| Securities gains (losses) | $2,000 | 4,234 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $283,000 | 7,405 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $283,000 | 7,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,170 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $281,000 | 7,313 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,224,000 | 7,008 |
| Total interest expense | $1,787,000 | 6,430 |
| Net interest income | $1,437,000 | 7,438 |
| Provision for loan and lease losses | $32,000 | 7,179 |
| Total noninterest income | $262,000 | 6,745 |
| Gross Fiduciary activities income | $8,000 | 1,472 |
| Service charges on deposit accounts | $26,000 | 8,045 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $228,000 | 4,664 |
| Total noninterest expense | $1,642,000 | 6,482 |
| Salaries and employee benefits | $800,000 | 6,771 |
| Premises and equipment expense | $282,000 | 5,723 |
| Additional noninterest expense | $560,000 | 6,097 |
| Pre-tax net operating income | $25,000 | 8,632 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $26,000 | 8,705 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $26,000 | 8,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,750 |
| Cash dividends | $42,000 | 6,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $25,000 | 8,619 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,292,000 | 7,119 |
| Total interest expense | $1,933,000 | 6,367 |
| Net interest income | $1,359,000 | 7,738 |
| Provision for loan and lease losses | $8,000 | 8,049 |
| Total noninterest income | $255,000 | 6,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,119 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $227,000 | 4,505 |
| Total noninterest expense | $1,718,000 | 6,235 |
| Salaries and employee benefits | $788,000 | 6,788 |
| Premises and equipment expense | $268,000 | 5,800 |
| Additional noninterest expense | $662,000 | 5,397 |
| Pre-tax net operating income | $-112,000 | 9,256 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-112,000 | 9,285 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-112,000 | 9,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $61,000 | 6,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-112,000 | 9,280 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,137,000 | 7,215 |
| Total interest expense | $1,933,000 | 6,121 |
| Net interest income | $1,204,000 | 8,180 |
| Provision for loan and lease losses | $306,000 | 2,596 |
| Total noninterest income | $298,000 | 6,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 8,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $267,000 | 4,291 |
| Total noninterest expense | $1,892,000 | 5,880 |
| Salaries and employee benefits | $828,000 | 6,622 |
| Premises and equipment expense | $281,000 | 5,670 |
| Additional noninterest expense | $783,000 | 4,872 |
| Pre-tax net operating income | $-696,000 | 9,967 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-696,000 | 10,000 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-696,000 | 9,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $478,000 | 1,262 |
| Cash dividends | $75,000 | 6,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-696,000 | 9,988 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,490,000 | 6,968 |
| Total interest expense | $2,112,000 | 5,989 |
| Net interest income | $1,378,000 | 7,955 |
| Provision for loan and lease losses | $184,000 | 3,684 |
| Total noninterest income | $329,000 | 6,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $303,000 | 3,997 |
| Total noninterest expense | $1,643,000 | 6,338 |
| Salaries and employee benefits | $796,000 | 6,704 |
| Premises and equipment expense | $271,000 | 5,687 |
| Additional noninterest expense | $576,000 | 5,906 |
| Pre-tax net operating income | $-120,000 | 9,928 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-120,000 | 9,972 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-120,000 | 9,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,607 |
| Cash dividends | $113,000 | 6,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-120,000 | 9,938 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,622,000 | 7,037 |
| Total interest expense | $1,932,000 | 6,396 |
| Net interest income | $1,690,000 | 7,573 |
| Provision for loan and lease losses | $2,530,000 | 486 |
| Total noninterest income | $293,000 | 6,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 9,106 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $272,000 | 4,147 |
| Total noninterest expense | $1,458,000 | 6,899 |
| Salaries and employee benefits | $741,000 | 7,073 |
| Premises and equipment expense | $151,000 | 7,778 |
| Additional noninterest expense | $566,000 | 6,011 |
| Pre-tax net operating income | $-2,005,000 | 10,898 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-555,000 | 10,865 |
| Income before extraordinary items | $-1,450,000 | 10,876 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-1,450,000 | 10,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,291,000 | 465 |
| Cash dividends | $123,000 | 6,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-1,450,000 | 10,865 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,822,000 | 8,245 |
| Total interest expense | $1,421,000 | 7,783 |
| Net interest income | $1,401,000 | 8,512 |
| Provision for loan and lease losses | $87,000 | 5,445 |
| Total noninterest income | $206,000 | 8,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 9,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,346 |
| Total noninterest expense | $957,000 | 8,853 |
| Salaries and employee benefits | $517,000 | 8,734 |
| Premises and equipment expense | $101,000 | 9,258 |
| Additional noninterest expense | $339,000 | 8,466 |
| Pre-tax net operating income | $563,000 | 7,610 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $184,000 | 7,383 |
| Income before extraordinary items | $379,000 | 7,800 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $379,000 | 7,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,733 |
| Cash dividends | $113,000 | 6,497 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $379,000 | 7,739 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,700,000 | 8,635 |
| Total interest expense | $1,333,000 | 8,179 |
| Net interest income | $1,367,000 | 8,886 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $146,000 | 9,381 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 10,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,408 |
| Total noninterest expense | $946,000 | 9,180 |
| Salaries and employee benefits | $462,000 | 9,434 |
| Premises and equipment expense | $130,000 | 8,799 |
| Additional noninterest expense | $354,000 | 8,662 |
| Pre-tax net operating income | $531,000 | 8,269 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $127,000 | 8,677 |
| Income before extraordinary items | $402,000 | 8,053 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $402,000 | 8,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,662 |
| Cash dividends | $104,000 | 6,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $403,520 | 8,004 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,393,000 | 9,106 |
| Total interest expense | $1,031,000 | 8,555 |
| Net interest income | $1,362,000 | 9,278 |
| Provision for loan and lease losses | $52,000 | 6,028 |
| Total noninterest income | $127,000 | 10,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 10,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 7,194 |
| Total noninterest expense | $901,000 | 9,770 |
| Salaries and employee benefits | $454,000 | 9,795 |
| Premises and equipment expense | $96,000 | 10,152 |
| Additional noninterest expense | $351,000 | 9,331 |
| Pre-tax net operating income | $536,000 | 8,412 |
| Securities gains (losses) | $-11,000 | 9,904 |
| Applicable income taxes | $135,000 | 8,607 |
| Income before extraordinary items | $390,000 | 8,279 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $390,000 | 8,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,267 |
| Cash dividends | $114,000 | 6,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $398,140 | 8,259 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,326,000 | 9,515 |
| Total interest expense | $997,000 | 9,130 |
| Net interest income | $1,329,000 | 9,649 |
| Provision for loan and lease losses | $76,000 | 6,424 |
| Total noninterest income | $115,000 | 10,961 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 11,092 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,899 |
| Total noninterest expense | $890,000 | 10,241 |
| Salaries and employee benefits | $452,000 | 10,127 |
| Premises and equipment expense | $99,000 | 10,473 |
| Additional noninterest expense | $339,000 | 9,968 |
| Pre-tax net operating income | $478,000 | 8,795 |
| Securities gains (losses) | $11,000 | 5,374 |
| Applicable income taxes | $116,000 | 9,390 |
| Income before extraordinary items | $373,000 | 8,708 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $373,000 | 8,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,621 |
| Cash dividends | $89,000 | 7,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $364,640 | 8,534 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,556,000 | 9,805 |
| Total interest expense | $1,304,000 | 9,214 |
| Net interest income | $1,252,000 | 10,136 |
| Provision for loan and lease losses | $137,000 | 6,359 |
| Total noninterest income | $135,000 | 10,810 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 11,465 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 7,481 |
| Total noninterest expense | $851,000 | 10,747 |
| Salaries and employee benefits | $435,000 | 10,461 |
| Premises and equipment expense | $90,000 | 11,109 |
| Additional noninterest expense | $326,000 | 10,488 |
| Pre-tax net operating income | $399,000 | 9,259 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $58,000 | 11,037 |
| Income before extraordinary items | $354,000 | 8,679 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $354,000 | 8,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 5,532 |
| Cash dividends | $83,000 | 6,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $342,820 | 8,431 |
* 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.