Home > The First National Bank of Newport > Income and Expense
The First National Bank of Newport, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,736,000 | 4,781 |
| Total interest expense | $656,000 | 5,143 |
| Net interest income | $1,080,000 | 4,473 |
| Provision for loan and lease losses | $6,000 | 5,291 |
| Total noninterest income | $249,000 | 3,542 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $116,000 | 3,150 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $133,000 | 3,224 |
| Total noninterest expense | $807,000 | 4,778 |
| Salaries and employee benefits | $443,000 | 4,837 |
| Premises and equipment expense | $144,000 | 3,967 |
| Additional noninterest expense | $220,000 | 4,940 |
| Pre-tax net operating income | $516,000 | 3,457 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $122,000 | 3,012 |
| Income before extraordinary items | $394,000 | 3,541 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $394,000 | 3,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $200,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $394,000 | 3,517 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,713,000 | 5,709 |
| Total interest expense | $1,679,000 | 5,848 |
| Net interest income | $3,034,000 | 5,492 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $769,000 | 4,163 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $367,000 | 3,717 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $402,000 | 3,725 |
| Total noninterest expense | $2,292,000 | 5,752 |
| Salaries and employee benefits | $1,271,000 | 5,719 |
| Premises and equipment expense | $346,000 | 5,361 |
| Additional noninterest expense | $675,000 | 5,743 |
| Pre-tax net operating income | $1,511,000 | 4,268 |
| Securities gains (losses) | $9,000 | 1,119 |
| Applicable income taxes | $370,000 | 3,540 |
| Income before extraordinary items | $1,150,000 | 4,377 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,150,000 | 4,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,332 |
| Cash dividends | $590,000 | 3,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,143,160 | 4,372 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,948,000 | 6,179 |
| Total interest expense | $1,032,000 | 6,256 |
| Net interest income | $1,916,000 | 6,023 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $487,000 | 4,543 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $236,000 | 4,044 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $251,000 | 4,088 |
| Total noninterest expense | $1,492,000 | 6,170 |
| Salaries and employee benefits | $820,000 | 6,150 |
| Premises and equipment expense | $186,000 | 6,261 |
| Additional noninterest expense | $486,000 | 5,850 |
| Pre-tax net operating income | $911,000 | 4,930 |
| Securities gains (losses) | $7,000 | 967 |
| Applicable income taxes | $188,000 | 4,207 |
| Income before extraordinary items | $730,000 | 4,921 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $730,000 | 4,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,656 |
| Cash dividends | $340,000 | 3,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $724,400 | 4,927 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,147,000 | 7,353 |
| Total interest expense | $402,000 | 7,266 |
| Net interest income | $745,000 | 7,316 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $235,000 | 5,281 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $112,000 | 4,755 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $123,000 | 4,696 |
| Total noninterest expense | $589,000 | 7,459 |
| Salaries and employee benefits | $311,000 | 7,562 |
| Premises and equipment expense | $68,000 | 7,453 |
| Additional noninterest expense | $210,000 | 6,995 |
| Pre-tax net operating income | $391,000 | 5,949 |
| Securities gains (losses) | $7,000 | 794 |
| Applicable income taxes | $95,000 | 4,570 |
| Income before extraordinary items | $303,000 | 5,987 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $303,000 | 5,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $140,000 | 4,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $297,680 | 6,025 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,629,000 | 4,662 |
| Total interest expense | $552,000 | 4,835 |
| Net interest income | $1,077,000 | 4,485 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $244,000 | 3,528 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $171,000 | 2,326 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $73,000 | 4,340 |
| Total noninterest expense | $794,000 | 4,723 |
| Salaries and employee benefits | $444,000 | 4,688 |
| Premises and equipment expense | $96,000 | 5,080 |
| Additional noninterest expense | $254,000 | 4,427 |
| Pre-tax net operating income | $527,000 | 3,614 |
| Securities gains (losses) | $-1,000 | 7,892 |
| Applicable income taxes | $110,000 | 3,471 |
| Income before extraordinary items | $416,000 | 3,589 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $416,000 | 3,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $180,000 | 2,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $416,790 | 3,571 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,391,000 | 4,434 |
| Total interest expense | $2,089,000 | 4,303 |
| Net interest income | $4,302,000 | 4,406 |
| Provision for loan and lease losses | $5,000 | 6,973 |
| Total noninterest income | $1,064,000 | 3,404 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $720,000 | 2,290 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $344,000 | 4,059 |
| Total noninterest expense | $3,511,000 | 4,284 |
| Salaries and employee benefits | $1,782,000 | 4,510 |
| Premises and equipment expense | $405,000 | 4,819 |
| Additional noninterest expense | $1,324,000 | 3,561 |
| Pre-tax net operating income | $1,850,000 | 3,873 |
| Securities gains (losses) | $-125,000 | 8,484 |
| Applicable income taxes | $274,000 | 4,242 |
| Income before extraordinary items | $1,451,000 | 3,866 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,451,000 | 3,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,152 |
| Cash dividends | $708,000 | 3,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,556,000 | 3,669 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,763,000 | 4,405 |
| Total interest expense | $1,541,000 | 4,209 |
| Net interest income | $3,222,000 | 4,423 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $820,000 | 3,344 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $534,000 | 2,315 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $286,000 | 3,881 |
| Total noninterest expense | $2,463,000 | 4,470 |
| Salaries and employee benefits | $1,320,000 | 4,517 |
| Premises and equipment expense | $311,000 | 4,718 |
| Additional noninterest expense | $832,000 | 4,061 |
| Pre-tax net operating income | $1,579,000 | 3,612 |
| Securities gains (losses) | $7,000 | 1,597 |
| Applicable income taxes | $350,000 | 3,533 |
| Income before extraordinary items | $1,236,000 | 3,589 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,236,000 | 3,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,651 |
| Cash dividends | $528,000 | 2,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,230,540 | 3,570 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,163,000 | 4,342 |
| Total interest expense | $1,018,000 | 4,074 |
| Net interest income | $2,145,000 | 4,392 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $550,000 | 3,297 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $350,000 | 2,311 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $200,000 | 3,763 |
| Total noninterest expense | $1,644,000 | 4,451 |
| Salaries and employee benefits | $880,000 | 4,500 |
| Premises and equipment expense | $207,000 | 4,708 |
| Additional noninterest expense | $557,000 | 4,025 |
| Pre-tax net operating income | $1,051,000 | 3,585 |
| Securities gains (losses) | $6,000 | 1,523 |
| Applicable income taxes | $228,000 | 3,564 |
| Income before extraordinary items | $829,000 | 3,556 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $829,000 | 3,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,392 |
| Cash dividends | $348,000 | 2,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $824,320 | 3,525 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,568,000 | 4,339 |
| Total interest expense | $501,000 | 4,021 |
| Net interest income | $1,067,000 | 4,419 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $290,000 | 3,132 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $169,000 | 2,318 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $121,000 | 3,380 |
| Total noninterest expense | $807,000 | 4,536 |
| Salaries and employee benefits | $426,000 | 4,626 |
| Premises and equipment expense | $101,000 | 4,827 |
| Additional noninterest expense | $280,000 | 4,012 |
| Pre-tax net operating income | $550,000 | 3,432 |
| Securities gains (losses) | $6,000 | 1,143 |
| Applicable income taxes | $119,000 | 3,485 |
| Income before extraordinary items | $437,000 | 3,393 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $437,000 | 3,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $172,000 | 2,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $432,260 | 3,387 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,354,000 | 4,085 |
| Total interest expense | $2,076,000 | 3,535 |
| Net interest income | $4,278,000 | 4,279 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,042,000 | 3,449 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $736,000 | 2,281 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $306,000 | 4,227 |
| Total noninterest expense | $3,410,000 | 4,259 |
| Salaries and employee benefits | $1,748,000 | 4,430 |
| Premises and equipment expense | $406,000 | 4,712 |
| Additional noninterest expense | $1,256,000 | 3,615 |
| Pre-tax net operating income | $1,910,000 | 3,608 |
| Securities gains (losses) | $27,000 | 2,202 |
| Applicable income taxes | $361,000 | 3,884 |
| Income before extraordinary items | $1,576,000 | 3,510 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,576,000 | 3,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,446 |
| Cash dividends | $656,000 | 3,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,554,130 | 3,478 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,765,000 | 4,078 |
| Total interest expense | $1,558,000 | 3,503 |
| Net interest income | $3,207,000 | 4,276 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $768,000 | 3,507 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $544,000 | 2,331 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $224,000 | 4,277 |
| Total noninterest expense | $2,513,000 | 4,282 |
| Salaries and employee benefits | $1,291,000 | 4,441 |
| Premises and equipment expense | $306,000 | 4,695 |
| Additional noninterest expense | $916,000 | 3,662 |
| Pre-tax net operating income | $1,462,000 | 3,628 |
| Securities gains (losses) | $21,000 | 2,274 |
| Applicable income taxes | $282,000 | 3,895 |
| Income before extraordinary items | $1,201,000 | 3,539 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,201,000 | 3,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $488,000 | 2,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,183,990 | 3,508 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,163,000 | 4,090 |
| Total interest expense | $1,043,000 | 3,478 |
| Net interest income | $2,120,000 | 4,304 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $518,000 | 3,487 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $315,000 | 2,615 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $203,000 | 3,704 |
| Total noninterest expense | $1,649,000 | 4,357 |
| Salaries and employee benefits | $858,000 | 4,479 |
| Premises and equipment expense | $213,000 | 4,576 |
| Additional noninterest expense | $578,000 | 3,854 |
| Pre-tax net operating income | $989,000 | 3,563 |
| Securities gains (losses) | $15,000 | 2,191 |
| Applicable income taxes | $201,000 | 3,769 |
| Income before extraordinary items | $803,000 | 3,512 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $803,000 | 3,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,683 |
| Cash dividends | $324,000 | 2,764 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $791,000 | 3,462 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,595,000 | 4,078 |
| Total interest expense | $525,000 | 3,489 |
| Net interest income | $1,070,000 | 4,275 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $252,000 | 3,512 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $173,000 | 2,365 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $79,000 | 4,203 |
| Total noninterest expense | $812,000 | 4,423 |
| Salaries and employee benefits | $427,000 | 4,504 |
| Premises and equipment expense | $52,000 | 6,694 |
| Additional noninterest expense | $333,000 | 3,437 |
| Pre-tax net operating income | $510,000 | 3,466 |
| Securities gains (losses) | $19,000 | 1,734 |
| Applicable income taxes | $112,000 | 3,591 |
| Income before extraordinary items | $417,000 | 3,395 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $417,000 | 3,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $160,000 | 2,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $401,990 | 3,386 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,850,000 | 3,889 |
| Total interest expense | $2,463,000 | 3,371 |
| Net interest income | $4,387,000 | 4,078 |
| Provision for loan and lease losses | $90,000 | 5,469 |
| Total noninterest income | $796,000 | 4,240 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $633,000 | 2,593 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $163,000 | 5,670 |
| Total noninterest expense | $3,188,000 | 4,419 |
| Salaries and employee benefits | $1,658,000 | 4,519 |
| Premises and equipment expense | $193,000 | 6,866 |
| Additional noninterest expense | $1,337,000 | 3,414 |
| Pre-tax net operating income | $1,905,000 | 3,499 |
| Securities gains (losses) | $-13,000 | 8,809 |
| Applicable income taxes | $398,000 | 3,788 |
| Income before extraordinary items | $1,494,000 | 3,571 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,494,000 | 3,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $624,000 | 3,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,504,270 | 3,398 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,215,000 | 3,892 |
| Total interest expense | $1,923,000 | 3,376 |
| Net interest income | $3,292,000 | 4,094 |
| Provision for loan and lease losses | $75,000 | 5,202 |
| Total noninterest income | $574,000 | 4,376 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $447,000 | 2,717 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $127,000 | 5,652 |
| Total noninterest expense | $2,366,000 | 4,446 |
| Salaries and employee benefits | $1,229,000 | 4,541 |
| Premises and equipment expense | $144,000 | 6,890 |
| Additional noninterest expense | $993,000 | 3,419 |
| Pre-tax net operating income | $1,425,000 | 3,624 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $294,000 | 3,949 |
| Income before extraordinary items | $1,132,000 | 3,658 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,132,000 | 3,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,029 |
| Cash dividends | $464,000 | 2,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,131,210 | 3,493 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,556,000 | 3,845 |
| Total interest expense | $1,347,000 | 3,345 |
| Net interest income | $2,209,000 | 4,073 |
| Provision for loan and lease losses | $45,000 | 5,281 |
| Total noninterest income | $348,000 | 4,604 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $267,000 | 2,912 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $81,000 | 5,693 |
| Total noninterest expense | $1,556,000 | 4,461 |
| Salaries and employee benefits | $806,000 | 4,583 |
| Premises and equipment expense | $97,000 | 6,846 |
| Additional noninterest expense | $653,000 | 3,436 |
| Pre-tax net operating income | $956,000 | 3,622 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $207,000 | 3,888 |
| Income before extraordinary items | $750,000 | 3,671 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $750,000 | 3,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $308,000 | 2,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $749,220 | 3,483 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,800,000 | 3,821 |
| Total interest expense | $683,000 | 3,379 |
| Net interest income | $1,117,000 | 4,048 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $160,000 | 4,727 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $128,000 | 2,943 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 6,104 |
| Total noninterest expense | $754,000 | 4,555 |
| Salaries and employee benefits | $401,000 | 4,609 |
| Premises and equipment expense | $49,000 | 6,835 |
| Additional noninterest expense | $304,000 | 3,622 |
| Pre-tax net operating income | $493,000 | 3,530 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $112,000 | 3,747 |
| Income before extraordinary items | $382,000 | 3,586 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $382,000 | 3,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $152,000 | 2,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $381,230 | 3,420 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,329,000 | 3,901 |
| Total interest expense | $3,059,000 | 3,487 |
| Net interest income | $4,270,000 | 4,138 |
| Provision for loan and lease losses | $210,000 | 4,243 |
| Total noninterest income | $639,000 | 4,565 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $494,000 | 3,001 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $145,000 | 5,673 |
| Total noninterest expense | $2,853,000 | 4,628 |
| Salaries and employee benefits | $1,465,000 | 4,777 |
| Premises and equipment expense | $158,000 | 7,336 |
| Additional noninterest expense | $1,230,000 | 3,539 |
| Pre-tax net operating income | $1,846,000 | 3,607 |
| Securities gains (losses) | $2,000 | 4,234 |
| Applicable income taxes | $497,000 | 3,454 |
| Income before extraordinary items | $1,351,000 | 3,784 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,351,000 | 3,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,609 |
| Cash dividends | $592,000 | 3,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,349,540 | 3,675 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,075,000 | 4,399 |
| Total interest expense | $3,334,000 | 4,356 |
| Net interest income | $3,741,000 | 4,352 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $536,000 | 4,875 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $412,000 | 3,305 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $124,000 | 5,927 |
| Total noninterest expense | $2,483,000 | 4,974 |
| Salaries and employee benefits | $1,256,000 | 5,151 |
| Premises and equipment expense | $456,000 | 4,192 |
| Additional noninterest expense | $771,000 | 4,915 |
| Pre-tax net operating income | $1,614,000 | 3,681 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $355,000 | 3,952 |
| Income before extraordinary items | $1,263,000 | 3,662 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,263,000 | 3,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $552,000 | 3,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,259,880 | 3,568 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,614,000 | 4,784 |
| Total interest expense | $3,176,000 | 4,710 |
| Net interest income | $3,438,000 | 4,674 |
| Provision for loan and lease losses | $118,000 | 4,994 |
| Total noninterest income | $478,000 | 5,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $358,000 | 3,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 5,988 |
| Total noninterest expense | $2,353,000 | 5,069 |
| Salaries and employee benefits | $1,231,000 | 5,104 |
| Premises and equipment expense | $451,000 | 4,122 |
| Additional noninterest expense | $671,000 | 5,341 |
| Pre-tax net operating income | $1,445,000 | 4,170 |
| Securities gains (losses) | $-13,000 | 8,489 |
| Applicable income taxes | $138,000 | 6,063 |
| Income before extraordinary items | $1,294,000 | 3,649 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,294,000 | 3,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,446 |
| Cash dividends | $529,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,305,700 | 3,609 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,860,000 | 5,033 |
| Total interest expense | $2,750,000 | 4,917 |
| Net interest income | $3,110,000 | 5,024 |
| Provision for loan and lease losses | $15,000 | 7,855 |
| Total noninterest income | $425,000 | 5,433 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $304,000 | 3,949 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,153 |
| Total noninterest expense | $2,037,000 | 5,625 |
| Salaries and employee benefits | $1,052,000 | 5,687 |
| Premises and equipment expense | $381,000 | 4,692 |
| Additional noninterest expense | $604,000 | 5,799 |
| Pre-tax net operating income | $1,483,000 | 4,126 |
| Securities gains (losses) | $-10,000 | 9,313 |
| Applicable income taxes | $393,000 | 4,220 |
| Income before extraordinary items | $1,080,000 | 4,200 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,080,000 | 4,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 9,738 |
| Cash dividends | $426,000 | 3,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,087,300 | 4,139 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,464,000 | 5,327 |
| Total interest expense | $2,640,000 | 5,180 |
| Net interest income | $2,824,000 | 5,372 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $381,000 | 5,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,230 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,447 |
| Total noninterest expense | $1,837,000 | 5,912 |
| Salaries and employee benefits | $929,000 | 6,072 |
| Premises and equipment expense | $350,000 | 4,884 |
| Additional noninterest expense | $558,000 | 6,036 |
| Pre-tax net operating income | $1,328,000 | 4,554 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $353,000 | 4,744 |
| Income before extraordinary items | $987,000 | 4,567 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $987,000 | 4,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,508 |
| Cash dividends | $388,000 | 4,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $978,120 | 4,496 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,232,000 | 5,609 |
| Total interest expense | $2,522,000 | 5,378 |
| Net interest income | $2,710,000 | 5,745 |
| Provision for loan and lease losses | $48,000 | 6,747 |
| Total noninterest income | $358,000 | 6,108 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,039 |
| Total noninterest expense | $1,747,000 | 6,185 |
| Salaries and employee benefits | $889,000 | 6,351 |
| Premises and equipment expense | $339,000 | 5,026 |
| Additional noninterest expense | $519,000 | 6,352 |
| Pre-tax net operating income | $1,273,000 | 5,033 |
| Securities gains (losses) | $13,000 | 2,177 |
| Applicable income taxes | $346,000 | 5,349 |
| Income before extraordinary items | $940,000 | 4,910 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $940,000 | 4,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $321,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $930,510 | 4,883 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,967,000 | 5,965 |
| Total interest expense | $2,278,000 | 5,887 |
| Net interest income | $2,689,000 | 5,898 |
| Provision for loan and lease losses | $21,000 | 7,918 |
| Total noninterest income | $286,000 | 7,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,164 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 8,436 |
| Total noninterest expense | $1,749,000 | 6,506 |
| Salaries and employee benefits | $885,000 | 6,528 |
| Premises and equipment expense | $315,000 | 5,388 |
| Additional noninterest expense | $549,000 | 6,684 |
| Pre-tax net operating income | $1,205,000 | 5,108 |
| Securities gains (losses) | $17,000 | 2,110 |
| Applicable income taxes | $315,000 | 5,673 |
| Income before extraordinary items | $907,000 | 4,845 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $907,000 | 4,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $280,000 | 4,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $894,420 | 4,839 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,648,000 | 6,295 |
| Total interest expense | $2,131,000 | 6,204 |
| Net interest income | $2,517,000 | 6,281 |
| Provision for loan and lease losses | $8,000 | 8,490 |
| Total noninterest income | $204,000 | 8,359 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,661 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,034 |
| Total noninterest expense | $1,602,000 | 6,974 |
| Salaries and employee benefits | $827,000 | 6,962 |
| Premises and equipment expense | $326,000 | 5,292 |
| Additional noninterest expense | $449,000 | 7,716 |
| Pre-tax net operating income | $1,111,000 | 5,567 |
| Securities gains (losses) | $17,000 | 2,020 |
| Applicable income taxes | $282,000 | 6,229 |
| Income before extraordinary items | $846,000 | 5,232 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $846,000 | 5,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 10,354 |
| Cash dividends | $132,000 | 6,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $833,250 | 5,272 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,358,000 | 6,300 |
| Total interest expense | $1,809,000 | 6,045 |
| Net interest income | $2,549,000 | 6,371 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $187,000 | 8,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,194 |
| Total noninterest expense | $1,652,000 | 7,124 |
| Salaries and employee benefits | $816,000 | 7,117 |
| Premises and equipment expense | $322,000 | 5,409 |
| Additional noninterest expense | $514,000 | 7,721 |
| Pre-tax net operating income | $1,084,000 | 5,628 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $270,000 | 6,252 |
| Income before extraordinary items | $814,000 | 5,292 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $814,000 | 5,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,674 |
| Cash dividends | $124,000 | 6,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $814,000 | 5,353 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,208,000 | 6,622 |
| Total interest expense | $1,751,000 | 6,482 |
| Net interest income | $2,457,000 | 6,629 |
| Provision for loan and lease losses | $54,000 | 7,292 |
| Total noninterest income | $192,000 | 9,372 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,943 |
| Total noninterest expense | $1,541,000 | 7,691 |
| Salaries and employee benefits | $754,000 | 7,618 |
| Premises and equipment expense | $223,000 | 7,222 |
| Additional noninterest expense | $564,000 | 7,653 |
| Pre-tax net operating income | $1,054,000 | 5,668 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $260,000 | 6,649 |
| Income before extraordinary items | $799,000 | 5,578 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $799,000 | 5,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $110,000 | 6,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $795,250 | 5,362 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,406,000 | 7,007 |
| Total interest expense | $2,108,000 | 6,849 |
| Net interest income | $2,298,000 | 7,012 |
| Provision for loan and lease losses | $145,000 | 6,193 |
| Total noninterest income | $174,000 | 9,943 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 8,244 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $1,424,000 | 8,194 |
| Salaries and employee benefits | $681,000 | 8,134 |
| Premises and equipment expense | $244,000 | 6,904 |
| Additional noninterest expense | $499,000 | 8,472 |
| Pre-tax net operating income | $903,000 | 6,084 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $230,000 | 6,993 |
| Income before extraordinary items | $673,000 | 6,081 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $673,000 | 6,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 4,797 |
| Cash dividends | $106,000 | 6,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $673,000 | 5,741 |
* 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.