Home > The First National Bank of Nelsonville > Income and Expense
The First National Bank of Nelsonville, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,307,000 | 6,638 |
| Total interest expense | $980,000 | 6,379 |
| Net interest income | $1,327,000 | 6,724 |
| Provision for loan and lease losses | $52,000 | 5,852 |
| Total noninterest income | $323,000 | 5,226 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $237,000 | 3,960 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $86,000 | 5,854 |
| Total noninterest expense | $1,369,000 | 6,454 |
| Salaries and employee benefits | $659,000 | 6,707 |
| Premises and equipment expense | $192,000 | 6,204 |
| Additional noninterest expense | $518,000 | 5,811 |
| Pre-tax net operating income | $229,000 | 5,933 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $229,000 | 5,556 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $229,000 | 5,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,101 |
| Cash dividends | $67,000 | 4,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $229,000 | 5,733 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,570,000 | 6,667 |
| Total interest expense | $666,000 | 6,469 |
| Net interest income | $904,000 | 6,709 |
| Provision for loan and lease losses | $32,000 | 5,548 |
| Total noninterest income | $211,000 | 5,327 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $155,000 | 3,992 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $56,000 | 5,955 |
| Total noninterest expense | $929,000 | 6,451 |
| Salaries and employee benefits | $458,000 | 6,694 |
| Premises and equipment expense | $132,000 | 6,169 |
| Additional noninterest expense | $339,000 | 5,852 |
| Pre-tax net operating income | $154,000 | 6,095 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $154,000 | 5,937 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $154,000 | 5,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,779 |
| Cash dividends | $54,000 | 4,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $154,000 | 5,885 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $812,000 | 6,678 |
| Total interest expense | $342,000 | 6,575 |
| Net interest income | $470,000 | 6,642 |
| Provision for loan and lease losses | $32,000 | 4,306 |
| Total noninterest income | $100,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $75,000 | 4,016 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $25,000 | 6,173 |
| Total noninterest expense | $485,000 | 6,378 |
| Salaries and employee benefits | $244,000 | 6,586 |
| Premises and equipment expense | $71,000 | 6,004 |
| Additional noninterest expense | $170,000 | 5,815 |
| Pre-tax net operating income | $53,000 | 6,574 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $53,000 | 6,539 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $53,000 | 6,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,100 |
| Cash dividends | $54,000 | 3,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $53,000 | 6,441 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,347,000 | 6,620 |
| Total interest expense | $1,410,000 | 6,554 |
| Net interest income | $1,937,000 | 6,577 |
| Provision for loan and lease losses | $50,000 | 5,648 |
| Total noninterest income | $501,000 | 5,024 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $384,000 | 3,604 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $117,000 | 5,981 |
| Total noninterest expense | $1,952,000 | 6,276 |
| Salaries and employee benefits | $995,000 | 6,444 |
| Premises and equipment expense | $260,000 | 6,151 |
| Additional noninterest expense | $697,000 | 5,747 |
| Pre-tax net operating income | $436,000 | 6,173 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $436,000 | 5,917 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $436,000 | 5,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,216 |
| Cash dividends | $378,000 | 4,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $436,000 | 5,913 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,506,000 | 6,657 |
| Total interest expense | $1,050,000 | 6,599 |
| Net interest income | $1,456,000 | 6,611 |
| Provision for loan and lease losses | $38,000 | 5,373 |
| Total noninterest income | $385,000 | 4,999 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $298,000 | 3,529 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $87,000 | 6,033 |
| Total noninterest expense | $1,466,000 | 6,262 |
| Salaries and employee benefits | $731,000 | 6,493 |
| Premises and equipment expense | $196,000 | 6,123 |
| Additional noninterest expense | $539,000 | 5,610 |
| Pre-tax net operating income | $337,000 | 6,418 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $337,000 | 6,122 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $337,000 | 6,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,582 |
| Cash dividends | $261,000 | 3,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $337,000 | 6,109 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,687,000 | 6,683 |
| Total interest expense | $691,000 | 6,646 |
| Net interest income | $996,000 | 6,592 |
| Provision for loan and lease losses | $26,000 | 5,117 |
| Total noninterest income | $274,000 | 4,866 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $210,000 | 3,418 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $64,000 | 5,897 |
| Total noninterest expense | $1,015,000 | 6,215 |
| Salaries and employee benefits | $487,000 | 6,547 |
| Premises and equipment expense | $141,000 | 5,973 |
| Additional noninterest expense | $387,000 | 5,402 |
| Pre-tax net operating income | $229,000 | 6,477 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $229,000 | 6,162 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $229,000 | 6,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,915 |
| Cash dividends | $162,000 | 3,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $229,000 | 6,147 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $847,000 | 6,702 |
| Total interest expense | $340,000 | 6,698 |
| Net interest income | $507,000 | 6,574 |
| Provision for loan and lease losses | $17,000 | 4,548 |
| Total noninterest income | $143,000 | 4,745 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $111,000 | 3,236 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $32,000 | 5,872 |
| Total noninterest expense | $508,000 | 6,245 |
| Salaries and employee benefits | $245,000 | 6,573 |
| Premises and equipment expense | $72,000 | 5,967 |
| Additional noninterest expense | $191,000 | 5,421 |
| Pre-tax net operating income | $125,000 | 6,357 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $125,000 | 6,012 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $125,000 | 6,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 2,637 |
| Cash dividends | $81,000 | 3,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $125,000 | 5,993 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,128,000 | 6,682 |
| Total interest expense | $1,176,000 | 6,615 |
| Net interest income | $1,952,000 | 6,606 |
| Provision for loan and lease losses | $71,000 | 5,163 |
| Total noninterest income | $506,000 | 5,111 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $387,000 | 3,599 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $119,000 | 6,032 |
| Total noninterest expense | $1,945,000 | 6,233 |
| Salaries and employee benefits | $988,000 | 6,431 |
| Premises and equipment expense | $268,000 | 6,029 |
| Additional noninterest expense | $689,000 | 5,688 |
| Pre-tax net operating income | $442,000 | 6,661 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $442,000 | 6,358 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $442,000 | 6,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,581 |
| Cash dividends | $392,000 | 4,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $442,000 | 6,357 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,331,000 | 6,733 |
| Total interest expense | $856,000 | 6,663 |
| Net interest income | $1,475,000 | 6,662 |
| Provision for loan and lease losses | $55,000 | 4,965 |
| Total noninterest income | $361,000 | 5,226 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $274,000 | 3,751 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $87,000 | 6,082 |
| Total noninterest expense | $1,435,000 | 6,288 |
| Salaries and employee benefits | $725,000 | 6,489 |
| Premises and equipment expense | $192,000 | 6,184 |
| Additional noninterest expense | $518,000 | 5,666 |
| Pre-tax net operating income | $346,000 | 6,800 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $346,000 | 6,472 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $346,000 | 6,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,348 |
| Cash dividends | $312,000 | 3,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $346,000 | 6,481 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,543,000 | 6,739 |
| Total interest expense | $551,000 | 6,663 |
| Net interest income | $992,000 | 6,679 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $244,000 | 5,199 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $180,000 | 3,770 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $64,000 | 5,953 |
| Total noninterest expense | $961,000 | 6,281 |
| Salaries and employee benefits | $490,000 | 6,477 |
| Premises and equipment expense | $131,000 | 6,128 |
| Additional noninterest expense | $340,000 | 5,693 |
| Pre-tax net operating income | $245,000 | 6,800 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $245,000 | 6,411 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $245,000 | 6,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,602 |
| Cash dividends | $216,000 | 3,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $245,000 | 6,418 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $788,000 | 6,678 |
| Total interest expense | $269,000 | 6,644 |
| Net interest income | $519,000 | 6,588 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $113,000 | 5,345 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $81,000 | 3,912 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 5,945 |
| Total noninterest expense | $478,000 | 6,310 |
| Salaries and employee benefits | $241,000 | 6,545 |
| Premises and equipment expense | $49,000 | 6,794 |
| Additional noninterest expense | $188,000 | 5,373 |
| Pre-tax net operating income | $139,000 | 6,554 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $139,000 | 6,114 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $139,000 | 6,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 1,610 |
| Cash dividends | $108,000 | 3,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $139,000 | 6,112 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,010,000 | 6,580 |
| Total interest expense | $953,000 | 6,389 |
| Net interest income | $2,057,000 | 6,587 |
| Provision for loan and lease losses | $24,000 | 6,374 |
| Total noninterest income | $393,000 | 5,749 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $283,000 | 4,322 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $110,000 | 6,262 |
| Total noninterest expense | $1,895,000 | 6,282 |
| Salaries and employee benefits | $1,007,000 | 6,334 |
| Premises and equipment expense | $221,000 | 6,513 |
| Additional noninterest expense | $667,000 | 5,731 |
| Pre-tax net operating income | $531,000 | 6,649 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $531,000 | 6,251 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $531,000 | 6,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,513 |
| Cash dividends | $468,000 | 3,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $531,000 | 6,221 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,259,000 | 6,588 |
| Total interest expense | $689,000 | 6,401 |
| Net interest income | $1,570,000 | 6,552 |
| Provision for loan and lease losses | $24,000 | 6,042 |
| Total noninterest income | $269,000 | 6,008 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $187,000 | 4,607 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $82,000 | 6,270 |
| Total noninterest expense | $1,378,000 | 6,336 |
| Salaries and employee benefits | $719,000 | 6,464 |
| Premises and equipment expense | $161,000 | 6,551 |
| Additional noninterest expense | $498,000 | 5,711 |
| Pre-tax net operating income | $437,000 | 6,637 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $437,000 | 6,185 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $437,000 | 6,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,845 |
| Cash dividends | $324,000 | 3,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $437,000 | 6,150 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,484,000 | 6,601 |
| Total interest expense | $441,000 | 6,362 |
| Net interest income | $1,043,000 | 6,562 |
| Provision for loan and lease losses | $14,000 | 5,948 |
| Total noninterest income | $161,000 | 6,195 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $106,000 | 4,913 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $55,000 | 6,254 |
| Total noninterest expense | $911,000 | 6,363 |
| Salaries and employee benefits | $482,000 | 6,454 |
| Premises and equipment expense | $104,000 | 6,616 |
| Additional noninterest expense | $325,000 | 5,766 |
| Pre-tax net operating income | $279,000 | 6,715 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $279,000 | 6,270 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $279,000 | 6,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,009 |
| Cash dividends | $216,000 | 3,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $279,000 | 6,220 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $744,000 | 6,589 |
| Total interest expense | $216,000 | 6,342 |
| Net interest income | $528,000 | 6,565 |
| Provision for loan and lease losses | $4,000 | 5,908 |
| Total noninterest income | $76,000 | 6,278 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $50,000 | 4,996 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,409 |
| Total noninterest expense | $433,000 | 6,549 |
| Salaries and employee benefits | $225,000 | 6,686 |
| Premises and equipment expense | $50,000 | 6,770 |
| Additional noninterest expense | $158,000 | 5,832 |
| Pre-tax net operating income | $167,000 | 6,351 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $167,000 | 5,857 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $167,000 | 5,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $108,000 | 2,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $167,000 | 5,821 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,052,000 | 6,368 |
| Total interest expense | $882,000 | 5,997 |
| Net interest income | $2,170,000 | 6,409 |
| Provision for loan and lease losses | $38,000 | 6,224 |
| Total noninterest income | $369,000 | 5,970 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $190,000 | 5,334 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $179,000 | 5,335 |
| Total noninterest expense | $1,909,000 | 6,157 |
| Salaries and employee benefits | $1,042,000 | 6,152 |
| Premises and equipment expense | $231,000 | 6,396 |
| Additional noninterest expense | $636,000 | 5,808 |
| Pre-tax net operating income | $592,000 | 6,408 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $592,000 | 5,973 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $592,000 | 5,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,214 |
| Cash dividends | $468,000 | 3,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $592,000 | 5,909 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,302,000 | 6,362 |
| Total interest expense | $667,000 | 5,957 |
| Net interest income | $1,635,000 | 6,407 |
| Provision for loan and lease losses | $32,000 | 5,939 |
| Total noninterest income | $278,000 | 6,007 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $142,000 | 5,389 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $136,000 | 5,337 |
| Total noninterest expense | $1,398,000 | 6,206 |
| Salaries and employee benefits | $748,000 | 6,252 |
| Premises and equipment expense | $178,000 | 6,308 |
| Additional noninterest expense | $472,000 | 5,797 |
| Pre-tax net operating income | $483,000 | 6,396 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $483,000 | 5,891 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $483,000 | 5,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,696 |
| Cash dividends | $324,000 | 3,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $483,000 | 5,817 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,552,000 | 6,358 |
| Total interest expense | $455,000 | 5,918 |
| Net interest income | $1,097,000 | 6,410 |
| Provision for loan and lease losses | $16,000 | 6,067 |
| Total noninterest income | $189,000 | 5,946 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $91,000 | 5,462 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $98,000 | 5,194 |
| Total noninterest expense | $954,000 | 6,166 |
| Salaries and employee benefits | $506,000 | 6,250 |
| Premises and equipment expense | $123,000 | 6,248 |
| Additional noninterest expense | $325,000 | 5,725 |
| Pre-tax net operating income | $316,000 | 6,405 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $316,000 | 5,916 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $316,000 | 5,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $216,000 | 3,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $316,000 | 5,830 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $789,000 | 6,314 |
| Total interest expense | $235,000 | 5,876 |
| Net interest income | $554,000 | 6,405 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $98,000 | 5,820 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $41,000 | 5,626 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $57,000 | 4,851 |
| Total noninterest expense | $464,000 | 6,300 |
| Salaries and employee benefits | $240,000 | 6,472 |
| Premises and equipment expense | $60,000 | 6,320 |
| Additional noninterest expense | $164,000 | 5,716 |
| Pre-tax net operating income | $182,000 | 6,038 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $182,000 | 5,564 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $182,000 | 5,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $108,000 | 2,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $182,000 | 5,449 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,333,000 | 6,182 |
| Total interest expense | $1,104,000 | 5,833 |
| Net interest income | $2,229,000 | 6,281 |
| Provision for loan and lease losses | $85,000 | 5,561 |
| Total noninterest income | $364,000 | 6,166 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $182,000 | 5,462 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $182,000 | 5,477 |
| Total noninterest expense | $1,861,000 | 6,225 |
| Salaries and employee benefits | $973,000 | 6,356 |
| Premises and equipment expense | $241,000 | 6,284 |
| Additional noninterest expense | $647,000 | 5,744 |
| Pre-tax net operating income | $647,000 | 6,169 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $647,000 | 5,774 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $647,000 | 5,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,091 |
| Cash dividends | $522,000 | 3,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $647,000 | 5,609 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,511,000 | 6,238 |
| Total interest expense | $858,000 | 5,871 |
| Net interest income | $1,653,000 | 6,356 |
| Provision for loan and lease losses | $77,000 | 5,176 |
| Total noninterest income | $268,000 | 6,248 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $136,000 | 5,503 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $132,000 | 5,579 |
| Total noninterest expense | $1,311,000 | 6,416 |
| Salaries and employee benefits | $687,000 | 6,525 |
| Premises and equipment expense | $183,000 | 6,241 |
| Additional noninterest expense | $441,000 | 6,046 |
| Pre-tax net operating income | $533,000 | 6,150 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $533,000 | 5,682 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $533,000 | 5,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,469 |
| Cash dividends | $396,000 | 3,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $533,000 | 5,507 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,681,000 | 6,268 |
| Total interest expense | $598,000 | 5,854 |
| Net interest income | $1,083,000 | 6,400 |
| Provision for loan and lease losses | $70,000 | 4,525 |
| Total noninterest income | $186,000 | 6,157 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $91,000 | 5,480 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $95,000 | 5,412 |
| Total noninterest expense | $880,000 | 6,404 |
| Salaries and employee benefits | $473,000 | 6,453 |
| Premises and equipment expense | $121,000 | 6,238 |
| Additional noninterest expense | $286,000 | 6,123 |
| Pre-tax net operating income | $319,000 | 6,370 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $319,000 | 5,968 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $319,000 | 5,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,834 |
| Cash dividends | $288,000 | 2,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $319,000 | 5,756 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $858,000 | 6,250 |
| Total interest expense | $312,000 | 5,819 |
| Net interest income | $546,000 | 6,377 |
| Provision for loan and lease losses | $21,000 | 5,171 |
| Total noninterest income | $100,000 | 5,923 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $45,000 | 5,441 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $55,000 | 5,085 |
| Total noninterest expense | $425,000 | 6,531 |
| Salaries and employee benefits | $221,000 | 6,675 |
| Premises and equipment expense | $61,000 | 6,231 |
| Additional noninterest expense | $143,000 | 6,099 |
| Pre-tax net operating income | $200,000 | 5,845 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $200,000 | 5,334 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $200,000 | 5,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,802 |
| Cash dividends | $144,000 | 2,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $200,000 | 5,143 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,494,000 | 6,345 |
| Total interest expense | $1,466,000 | 5,804 |
| Net interest income | $2,028,000 | 6,581 |
| Provision for loan and lease losses | $25,000 | 7,318 |
| Total noninterest income | $367,000 | 5,990 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $196,000 | 5,245 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $171,000 | 5,328 |
| Total noninterest expense | $1,710,000 | 6,439 |
| Salaries and employee benefits | $920,000 | 6,440 |
| Premises and equipment expense | $233,000 | 6,353 |
| Additional noninterest expense | $557,000 | 6,182 |
| Pre-tax net operating income | $660,000 | 6,219 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,000 | 7,615 |
| Income before extraordinary items | $659,000 | 5,713 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $659,000 | 5,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,760 |
| Cash dividends | $510,000 | 3,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $659,000 | 5,567 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,732,000 | 6,555 |
| Total interest expense | $1,824,000 | 6,379 |
| Net interest income | $1,908,000 | 6,584 |
| Provision for loan and lease losses | $24,000 | 7,420 |
| Total noninterest income | $437,000 | 5,454 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $200,000 | 5,168 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $237,000 | 4,590 |
| Total noninterest expense | $1,675,000 | 6,394 |
| Salaries and employee benefits | $877,000 | 6,466 |
| Premises and equipment expense | $206,000 | 6,707 |
| Additional noninterest expense | $592,000 | 5,889 |
| Pre-tax net operating income | $646,000 | 5,998 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $646,000 | 5,434 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $646,000 | 5,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,392 |
| Cash dividends | $420,000 | 3,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $646,000 | 5,302 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,633,000 | 6,793 |
| Total interest expense | $1,705,000 | 6,776 |
| Net interest income | $1,928,000 | 6,685 |
| Provision for loan and lease losses | $21,000 | 7,573 |
| Total noninterest income | $312,000 | 6,194 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $175,000 | 5,428 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 5,705 |
| Total noninterest expense | $1,557,000 | 6,592 |
| Salaries and employee benefits | $826,000 | 6,605 |
| Premises and equipment expense | $201,000 | 6,755 |
| Additional noninterest expense | $530,000 | 6,202 |
| Pre-tax net operating income | $662,000 | 6,367 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $662,000 | 5,566 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $662,000 | 5,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,044 |
| Cash dividends | $420,000 | 3,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $662,000 | 5,576 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,554,000 | 6,774 |
| Total interest expense | $1,543,000 | 6,872 |
| Net interest income | $2,011,000 | 6,631 |
| Provision for loan and lease losses | $32,000 | 7,174 |
| Total noninterest income | $213,000 | 7,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 5,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,098 |
| Total noninterest expense | $1,507,000 | 6,764 |
| Salaries and employee benefits | $826,000 | 6,629 |
| Premises and equipment expense | $201,000 | 6,799 |
| Additional noninterest expense | $480,000 | 6,667 |
| Pre-tax net operating income | $685,000 | 6,377 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $685,000 | 5,524 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $685,000 | 5,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,500 |
| Cash dividends | $390,000 | 4,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $685,000 | 5,488 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,192,000 | 7,294 |
| Total interest expense | $1,432,000 | 7,343 |
| Net interest income | $1,760,000 | 7,143 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $174,000 | 7,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 6,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,655 |
| Total noninterest expense | $1,325,000 | 7,175 |
| Salaries and employee benefits | $710,000 | 7,120 |
| Premises and equipment expense | $178,000 | 7,088 |
| Additional noninterest expense | $437,000 | 6,913 |
| Pre-tax net operating income | $579,000 | 7,026 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $579,000 | 6,163 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $579,000 | 6,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,453 |
| Cash dividends | $384,000 | 4,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $579,000 | 6,051 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,828,000 | 7,966 |
| Total interest expense | $1,265,000 | 7,938 |
| Net interest income | $1,563,000 | 7,844 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $190,000 | 7,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 6,332 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,480 |
| Total noninterest expense | $1,250,000 | 7,500 |
| Salaries and employee benefits | $673,000 | 7,476 |
| Premises and equipment expense | $162,000 | 7,548 |
| Additional noninterest expense | $415,000 | 7,226 |
| Pre-tax net operating income | $503,000 | 7,899 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $503,000 | 6,951 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $503,000 | 6,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $410,000 | 3,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $503,000 | 6,886 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,660,000 | 8,487 |
| Total interest expense | $1,196,000 | 8,388 |
| Net interest income | $1,464,000 | 8,359 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $151,000 | 8,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,839 |
| Total noninterest expense | $1,193,000 | 8,006 |
| Salaries and employee benefits | $589,000 | 8,208 |
| Premises and equipment expense | $144,000 | 8,199 |
| Additional noninterest expense | $460,000 | 7,381 |
| Pre-tax net operating income | $422,000 | 8,385 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $143,000 | 7,982 |
| Income before extraordinary items | $276,000 | 8,624 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $276,000 | 8,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $120,000 | 6,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $277,980 | 8,547 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,569,000 | 8,859 |
| Total interest expense | $1,182,000 | 8,643 |
| Net interest income | $1,387,000 | 8,827 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $149,000 | 9,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 10,278 |
| Total noninterest expense | $1,208,000 | 8,180 |
| Salaries and employee benefits | $599,000 | 8,359 |
| Premises and equipment expense | $136,000 | 8,625 |
| Additional noninterest expense | $473,000 | 7,491 |
| Pre-tax net operating income | $328,000 | 9,552 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $104,000 | 9,095 |
| Income before extraordinary items | $224,000 | 9,675 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $224,000 | 9,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,475 |
| Cash dividends | $120,000 | 6,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $224,000 | 9,643 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,532,000 | 8,856 |
| Total interest expense | $1,056,000 | 8,458 |
| Net interest income | $1,476,000 | 8,947 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $137,000 | 9,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,946 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,719 |
| Total noninterest expense | $1,264,000 | 8,376 |
| Salaries and employee benefits | $623,000 | 8,462 |
| Premises and equipment expense | $138,000 | 8,875 |
| Additional noninterest expense | $503,000 | 7,819 |
| Pre-tax net operating income | $349,000 | 9,740 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $113,000 | 9,076 |
| Income before extraordinary items | $236,000 | 9,849 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $236,000 | 9,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $120,000 | 6,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $236,000 | 9,920 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,555,000 | 9,086 |
| Total interest expense | $1,059,000 | 8,849 |
| Net interest income | $1,496,000 | 9,121 |
| Provision for loan and lease losses | $3,000 | 10,228 |
| Total noninterest income | $140,000 | 10,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 8,183 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,102 |
| Total noninterest expense | $1,249,000 | 8,706 |
| Salaries and employee benefits | $605,000 | 8,761 |
| Premises and equipment expense | $138,000 | 9,226 |
| Additional noninterest expense | $506,000 | 8,147 |
| Pre-tax net operating income | $384,000 | 9,536 |
| Securities gains (losses) | $45,000 | 3,566 |
| Applicable income taxes | $150,000 | 8,653 |
| Income before extraordinary items | $279,000 | 9,703 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $279,000 | 9,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 6,513 |
| Cash dividends | $168,000 | 5,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $249,750 | 9,799 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,824,000 | 9,280 |
| Total interest expense | $1,329,000 | 9,127 |
| Net interest income | $1,495,000 | 9,290 |
| Provision for loan and lease losses | $17,000 | 10,772 |
| Total noninterest income | $134,000 | 10,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 8,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,703 |
| Total noninterest expense | $1,185,000 | 9,113 |
| Salaries and employee benefits | $560,000 | 9,186 |
| Premises and equipment expense | $146,000 | 9,235 |
| Additional noninterest expense | $479,000 | 8,652 |
| Pre-tax net operating income | $427,000 | 8,996 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $159,000 | 8,397 |
| Income before extraordinary items | $275,000 | 9,620 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $275,000 | 9,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $173,000 | 5,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $270,520 | 9,301 |
* 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.