Home > The First National Bank of Pine City > Income and Expense
The First National Bank of Pine City, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,706,000 | 6,487 |
| Total interest expense | $949,000 | 6,788 |
| Net interest income | $1,757,000 | 6,171 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $175,000 | 6,553 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $132,000 | 5,168 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $43,000 | 6,975 |
| Total noninterest expense | $1,092,000 | 6,972 |
| Salaries and employee benefits | $591,000 | 6,981 |
| Premises and equipment expense | $201,000 | 6,059 |
| Additional noninterest expense | $300,000 | 7,040 |
| Pre-tax net operating income | $840,000 | 4,736 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $840,000 | 4,244 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $840,000 | 4,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,621 |
| Cash dividends | $159,000 | 4,321 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $840,000 | 4,231 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,781,000 | 6,559 |
| Total interest expense | $624,000 | 6,834 |
| Net interest income | $1,157,000 | 6,245 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $122,000 | 6,507 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $91,000 | 5,130 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $31,000 | 6,942 |
| Total noninterest expense | $672,000 | 7,169 |
| Salaries and employee benefits | $359,000 | 7,222 |
| Premises and equipment expense | $137,000 | 6,041 |
| Additional noninterest expense | $176,000 | 7,296 |
| Pre-tax net operating income | $607,000 | 4,635 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $607,000 | 4,147 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $607,000 | 4,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,811 |
| Cash dividends | $80,000 | 4,474 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $607,000 | 4,138 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $865,000 | 6,652 |
| Total interest expense | $304,000 | 6,893 |
| Net interest income | $561,000 | 6,344 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $61,000 | 6,498 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $42,000 | 5,203 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $19,000 | 6,688 |
| Total noninterest expense | $327,000 | 7,262 |
| Salaries and employee benefits | $169,000 | 7,403 |
| Premises and equipment expense | $70,000 | 6,029 |
| Additional noninterest expense | $88,000 | 7,318 |
| Pre-tax net operating income | $295,000 | 4,691 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $295,000 | 4,208 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $295,000 | 4,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $295,000 | 4,188 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $40,000 | 8,673 |
| Total interest expense | $17,000 | 8,628 |
| Net interest income | $23,000 | 8,672 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $5,000 | 8,537 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,000 | 7,545 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,463 |
| Total noninterest expense | $23,000 | 8,673 |
| Salaries and employee benefits | $17,000 | 8,652 |
| Premises and equipment expense | $0 | 8,648 |
| Additional noninterest expense | $6,000 | 8,673 |
| Pre-tax net operating income | $5,000 | 7,930 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $5,000 | 7,965 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,000 | 7,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,021 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,000 | 7,948 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,472,000 | 6,586 |
| Total interest expense | $867,000 | 6,635 |
| Net interest income | $1,605,000 | 6,471 |
| Provision for loan and lease losses | $12,000 | 6,287 |
| Total noninterest income | $166,000 | 6,795 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $132,000 | 5,276 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $34,000 | 7,391 |
| Total noninterest expense | $1,021,000 | 7,124 |
| Salaries and employee benefits | $574,000 | 7,062 |
| Premises and equipment expense | $179,000 | 6,350 |
| Additional noninterest expense | $268,000 | 7,284 |
| Pre-tax net operating income | $738,000 | 5,394 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,000 | 6,574 |
| Income before extraordinary items | $737,000 | 4,898 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $737,000 | 4,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,511 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $737,000 | 4,886 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,626,000 | 6,616 |
| Total interest expense | $555,000 | 6,644 |
| Net interest income | $1,071,000 | 6,492 |
| Provision for loan and lease losses | $12,000 | 5,878 |
| Total noninterest income | $116,000 | 6,726 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $90,000 | 5,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,282 |
| Total noninterest expense | $681,000 | 7,158 |
| Salaries and employee benefits | $375,000 | 7,138 |
| Premises and equipment expense | $120,000 | 6,349 |
| Additional noninterest expense | $186,000 | 7,228 |
| Pre-tax net operating income | $494,000 | 5,426 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $493,000 | 4,908 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $493,000 | 4,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $493,000 | 4,896 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $796,000 | 6,650 |
| Total interest expense | $266,000 | 6,675 |
| Net interest income | $530,000 | 6,535 |
| Provision for loan and lease losses | $9,000 | 5,345 |
| Total noninterest income | $61,000 | 6,597 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $44,000 | 5,215 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 6,929 |
| Total noninterest expense | $328,000 | 7,254 |
| Salaries and employee benefits | $175,000 | 7,320 |
| Premises and equipment expense | $61,000 | 6,319 |
| Additional noninterest expense | $92,000 | 7,245 |
| Pre-tax net operating income | $254,000 | 5,339 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $253,000 | 4,833 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $253,000 | 4,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $253,000 | 4,815 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,122,000 | 6,495 |
| Total interest expense | $886,000 | 6,565 |
| Net interest income | $2,236,000 | 6,332 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $233,000 | 6,806 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $191,000 | 5,131 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $42,000 | 7,569 |
| Total noninterest expense | $1,437,000 | 7,001 |
| Salaries and employee benefits | $831,000 | 6,831 |
| Premises and equipment expense | $240,000 | 6,315 |
| Additional noninterest expense | $366,000 | 7,277 |
| Pre-tax net operating income | $1,032,000 | 5,269 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $1,031,000 | 4,750 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,031,000 | 4,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,118 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,031,000 | 4,721 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 6,544 |
| Total interest expense | $633,000 | 6,609 |
| Net interest income | $1,670,000 | 6,385 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $178,000 | 6,805 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $143,000 | 5,179 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 7,480 |
| Total noninterest expense | $1,047,000 | 7,062 |
| Salaries and employee benefits | $587,000 | 6,987 |
| Premises and equipment expense | $182,000 | 6,253 |
| Additional noninterest expense | $278,000 | 7,255 |
| Pre-tax net operating income | $801,000 | 5,323 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $800,000 | 4,755 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $800,000 | 4,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,516 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $800,000 | 4,725 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,497,000 | 6,567 |
| Total interest expense | $405,000 | 6,579 |
| Net interest income | $1,092,000 | 6,432 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $118,000 | 6,779 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $91,000 | 5,229 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $27,000 | 7,318 |
| Total noninterest expense | $700,000 | 7,061 |
| Salaries and employee benefits | $391,000 | 6,977 |
| Premises and equipment expense | $120,000 | 6,281 |
| Additional noninterest expense | $189,000 | 7,206 |
| Pre-tax net operating income | $510,000 | 5,439 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 6,848 |
| Income before extraordinary items | $509,000 | 4,849 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $509,000 | 4,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $509,000 | 4,798 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $736,000 | 6,622 |
| Total interest expense | $203,000 | 6,502 |
| Net interest income | $533,000 | 6,537 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $58,000 | 6,821 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $41,000 | 5,405 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 7,096 |
| Total noninterest expense | $347,000 | 7,119 |
| Salaries and employee benefits | $192,000 | 7,082 |
| Premises and equipment expense | $56,000 | 6,500 |
| Additional noninterest expense | $99,000 | 7,165 |
| Pre-tax net operating income | $244,000 | 5,497 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,000 | 6,740 |
| Income before extraordinary items | $243,000 | 4,940 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $243,000 | 4,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $243,000 | 4,893 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,858,000 | 6,574 |
| Total interest expense | $813,000 | 6,214 |
| Net interest income | $2,045,000 | 6,565 |
| Provision for loan and lease losses | $48,000 | 5,981 |
| Total noninterest income | $262,000 | 6,675 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $229,000 | 4,927 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $33,000 | 7,887 |
| Total noninterest expense | $1,385,000 | 7,097 |
| Salaries and employee benefits | $811,000 | 6,886 |
| Premises and equipment expense | $220,000 | 6,530 |
| Additional noninterest expense | $354,000 | 7,378 |
| Pre-tax net operating income | $874,000 | 5,575 |
| Securities gains (losses) | $9,000 | 2,866 |
| Applicable income taxes | $1,000 | 7,085 |
| Income before extraordinary items | $882,000 | 5,030 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $882,000 | 5,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,887 |
| Cash dividends | $875,000 | 2,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $873,000 | 4,988 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,133,000 | 6,591 |
| Total interest expense | $608,000 | 6,221 |
| Net interest income | $1,525,000 | 6,587 |
| Provision for loan and lease losses | $36,000 | 5,817 |
| Total noninterest income | $207,000 | 6,609 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $178,000 | 4,879 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $29,000 | 7,742 |
| Total noninterest expense | $1,032,000 | 7,082 |
| Salaries and employee benefits | $589,000 | 6,947 |
| Premises and equipment expense | $169,000 | 6,448 |
| Additional noninterest expense | $274,000 | 7,293 |
| Pre-tax net operating income | $664,000 | 5,634 |
| Securities gains (losses) | $9,000 | 2,772 |
| Applicable income taxes | $1,000 | 7,130 |
| Income before extraordinary items | $672,000 | 5,061 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $672,000 | 5,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $875,000 | 1,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $663,000 | 5,006 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,436,000 | 6,595 |
| Total interest expense | $408,000 | 6,242 |
| Net interest income | $1,028,000 | 6,587 |
| Provision for loan and lease losses | $24,000 | 5,696 |
| Total noninterest income | $143,000 | 6,576 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $119,000 | 4,892 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $24,000 | 7,531 |
| Total noninterest expense | $706,000 | 7,067 |
| Salaries and employee benefits | $398,000 | 6,961 |
| Premises and equipment expense | $119,000 | 6,333 |
| Additional noninterest expense | $189,000 | 7,256 |
| Pre-tax net operating income | $441,000 | 5,625 |
| Securities gains (losses) | $9,000 | 2,475 |
| Applicable income taxes | $1,000 | 7,109 |
| Income before extraordinary items | $449,000 | 5,009 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $449,000 | 5,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,943 |
| Cash dividends | $875,000 | 1,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $440,000 | 4,973 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $734,000 | 6,558 |
| Total interest expense | $213,000 | 6,172 |
| Net interest income | $521,000 | 6,573 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $78,000 | 6,348 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $63,000 | 4,680 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $15,000 | 7,252 |
| Total noninterest expense | $361,000 | 7,038 |
| Salaries and employee benefits | $201,000 | 6,973 |
| Premises and equipment expense | $66,000 | 6,063 |
| Additional noninterest expense | $94,000 | 7,295 |
| Pre-tax net operating income | $226,000 | 5,542 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,000 | 6,972 |
| Income before extraordinary items | $225,000 | 5,031 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $225,000 | 5,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,873 |
| Cash dividends | $875,000 | 761 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $225,000 | 4,901 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,952,000 | 6,574 |
| Total interest expense | $979,000 | 6,179 |
| Net interest income | $1,973,000 | 6,631 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $250,000 | 6,948 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $218,000 | 5,074 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $32,000 | 8,051 |
| Total noninterest expense | $1,335,000 | 7,198 |
| Salaries and employee benefits | $752,000 | 7,104 |
| Premises and equipment expense | $221,000 | 6,526 |
| Additional noninterest expense | $362,000 | 7,371 |
| Pre-tax net operating income | $888,000 | 5,452 |
| Securities gains (losses) | $24,000 | 3,094 |
| Applicable income taxes | $1,000 | 7,379 |
| Income before extraordinary items | $911,000 | 4,906 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $911,000 | 4,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,097 |
| Cash dividends | $925,000 | 2,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $887,000 | 4,806 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,212,000 | 6,654 |
| Total interest expense | $756,000 | 6,241 |
| Net interest income | $1,456,000 | 6,718 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $185,000 | 7,030 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $157,000 | 5,204 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $28,000 | 7,919 |
| Total noninterest expense | $976,000 | 7,267 |
| Salaries and employee benefits | $542,000 | 7,172 |
| Premises and equipment expense | $168,000 | 6,496 |
| Additional noninterest expense | $266,000 | 7,428 |
| Pre-tax net operating income | $665,000 | 5,635 |
| Securities gains (losses) | $24,000 | 2,852 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $688,000 | 5,038 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $688,000 | 5,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $925,000 | 1,848 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $664,000 | 4,945 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,486,000 | 6,690 |
| Total interest expense | $519,000 | 6,280 |
| Net interest income | $967,000 | 6,743 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $126,000 | 6,976 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $102,000 | 5,238 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $24,000 | 7,615 |
| Total noninterest expense | $649,000 | 7,297 |
| Salaries and employee benefits | $356,000 | 7,240 |
| Premises and equipment expense | $114,000 | 6,421 |
| Additional noninterest expense | $179,000 | 7,412 |
| Pre-tax net operating income | $444,000 | 5,615 |
| Securities gains (losses) | $12,000 | 2,858 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $455,000 | 5,057 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $455,000 | 5,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $925,000 | 1,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $443,000 | 4,924 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $761,000 | 6,642 |
| Total interest expense | $268,000 | 6,280 |
| Net interest income | $493,000 | 6,693 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $64,000 | 6,903 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $48,000 | 5,295 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $16,000 | 7,254 |
| Total noninterest expense | $333,000 | 7,254 |
| Salaries and employee benefits | $177,000 | 7,287 |
| Premises and equipment expense | $59,000 | 6,332 |
| Additional noninterest expense | $97,000 | 7,224 |
| Pre-tax net operating income | $224,000 | 5,556 |
| Securities gains (losses) | $12,000 | 2,102 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $235,000 | 4,884 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $235,000 | 4,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $925,000 | 745 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $223,000 | 4,826 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,268,000 | 6,568 |
| Total interest expense | $1,259,000 | 6,288 |
| Net interest income | $2,009,000 | 6,618 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $247,000 | 6,895 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $216,000 | 5,036 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 8,166 |
| Total noninterest expense | $1,299,000 | 7,247 |
| Salaries and employee benefits | $703,000 | 7,255 |
| Premises and equipment expense | $219,000 | 6,535 |
| Additional noninterest expense | $377,000 | 7,303 |
| Pre-tax net operating income | $957,000 | 5,321 |
| Securities gains (losses) | $20,000 | 3,147 |
| Applicable income taxes | $1,000 | 7,615 |
| Income before extraordinary items | $976,000 | 4,667 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $976,000 | 4,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $900,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $956,000 | 4,592 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,582,000 | 6,699 |
| Total interest expense | $1,664,000 | 6,664 |
| Net interest income | $1,918,000 | 6,563 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $271,000 | 6,660 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $226,000 | 4,871 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $45,000 | 7,826 |
| Total noninterest expense | $1,273,000 | 7,282 |
| Salaries and employee benefits | $741,000 | 7,018 |
| Premises and equipment expense | $223,000 | 6,461 |
| Additional noninterest expense | $309,000 | 7,787 |
| Pre-tax net operating income | $916,000 | 5,139 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $919,000 | 4,506 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $919,000 | 4,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,671 |
| Cash dividends | $45,000 | 6,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $916,000 | 4,404 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,580,000 | 6,840 |
| Total interest expense | $1,644,000 | 6,869 |
| Net interest income | $1,936,000 | 6,664 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $290,000 | 6,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $242,000 | 4,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 7,902 |
| Total noninterest expense | $1,262,000 | 7,344 |
| Salaries and employee benefits | $743,000 | 7,001 |
| Premises and equipment expense | $214,000 | 6,555 |
| Additional noninterest expense | $305,000 | 7,905 |
| Pre-tax net operating income | $964,000 | 5,356 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $90,000 | 6,649 |
| Income before extraordinary items | $874,000 | 4,764 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $874,000 | 4,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $850,000 | 2,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $874,000 | 4,773 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,196,000 | 7,164 |
| Total interest expense | $1,313,000 | 7,382 |
| Net interest income | $1,883,000 | 6,847 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $329,000 | 6,179 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 4,694 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 6,757 |
| Total noninterest expense | $1,199,000 | 7,568 |
| Salaries and employee benefits | $715,000 | 7,164 |
| Premises and equipment expense | $184,000 | 7,067 |
| Additional noninterest expense | $300,000 | 8,119 |
| Pre-tax net operating income | $1,013,000 | 5,274 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $130,000 | 6,513 |
| Income before extraordinary items | $881,000 | 4,803 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $881,000 | 4,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,311 |
| Cash dividends | $850,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $882,740 | 4,758 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,840,000 | 7,718 |
| Total interest expense | $990,000 | 8,450 |
| Net interest income | $1,850,000 | 6,946 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $288,000 | 6,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $233,000 | 4,713 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,990 |
| Total noninterest expense | $1,170,000 | 7,623 |
| Salaries and employee benefits | $692,000 | 7,231 |
| Premises and equipment expense | $186,000 | 6,941 |
| Additional noninterest expense | $292,000 | 8,197 |
| Pre-tax net operating income | $968,000 | 5,521 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $193,000 | 6,274 |
| Income before extraordinary items | $775,000 | 5,284 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $775,000 | 5,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,064 |
| Cash dividends | $775,000 | 2,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $775,000 | 5,187 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,883,000 | 7,907 |
| Total interest expense | $1,003,000 | 8,685 |
| Net interest income | $1,880,000 | 7,172 |
| Provision for loan and lease losses | $240,000 | 3,015 |
| Total noninterest income | $317,000 | 6,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,550 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,059 |
| Total noninterest expense | $1,131,000 | 7,902 |
| Salaries and employee benefits | $658,000 | 7,560 |
| Premises and equipment expense | $199,000 | 6,876 |
| Additional noninterest expense | $274,000 | 8,594 |
| Pre-tax net operating income | $826,000 | 6,429 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $403,000 | 4,863 |
| Income before extraordinary items | $423,000 | 7,491 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $423,000 | 7,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,963 |
| Cash dividends | $15,000 | 7,671 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $423,000 | 7,439 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,699,000 | 8,434 |
| Total interest expense | $926,000 | 9,252 |
| Net interest income | $1,773,000 | 7,614 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $596,000 | 4,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,413 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $313,000 | 3,977 |
| Total noninterest expense | $1,161,000 | 8,106 |
| Salaries and employee benefits | $621,000 | 7,996 |
| Premises and equipment expense | $193,000 | 7,149 |
| Additional noninterest expense | $347,000 | 8,396 |
| Pre-tax net operating income | $1,208,000 | 5,101 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $482,000 | 4,263 |
| Income before extraordinary items | $732,000 | 5,615 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $732,000 | 5,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $728,160 | 5,578 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,505,000 | 8,965 |
| Total interest expense | $898,000 | 9,621 |
| Net interest income | $1,607,000 | 8,241 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $342,000 | 6,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $282,000 | 4,502 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 8,751 |
| Total noninterest expense | $1,068,000 | 8,693 |
| Salaries and employee benefits | $582,000 | 8,484 |
| Premises and equipment expense | $181,000 | 7,579 |
| Additional noninterest expense | $305,000 | 9,195 |
| Pre-tax net operating income | $881,000 | 6,506 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $349,000 | 5,456 |
| Income before extraordinary items | $531,000 | 7,022 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $531,000 | 7,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $250,000 | 4,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $531,640 | 7,002 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,356,000 | 9,157 |
| Total interest expense | $824,000 | 9,479 |
| Net interest income | $1,532,000 | 8,789 |
| Provision for loan and lease losses | $9,000 | 8,587 |
| Total noninterest income | $299,000 | 7,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $246,000 | 5,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,460 |
| Total noninterest expense | $1,051,000 | 9,154 |
| Salaries and employee benefits | $550,000 | 8,959 |
| Premises and equipment expense | $183,000 | 7,795 |
| Additional noninterest expense | $318,000 | 9,739 |
| Pre-tax net operating income | $771,000 | 7,027 |
| Securities gains (losses) | $-9,000 | 9,765 |
| Applicable income taxes | $274,000 | 6,207 |
| Income before extraordinary items | $488,000 | 7,407 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $488,000 | 7,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,270 |
| Cash dividends | $406,000 | 3,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $493,760 | 7,397 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,444,000 | 9,306 |
| Total interest expense | $877,000 | 9,649 |
| Net interest income | $1,567,000 | 8,903 |
| Provision for loan and lease losses | $13,000 | 9,510 |
| Total noninterest income | $307,000 | 7,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,868 |
| Total noninterest expense | $1,018,000 | 9,655 |
| Salaries and employee benefits | $518,000 | 9,481 |
| Premises and equipment expense | $170,000 | 8,376 |
| Additional noninterest expense | $330,000 | 10,071 |
| Pre-tax net operating income | $843,000 | 6,607 |
| Securities gains (losses) | $43,000 | 3,630 |
| Applicable income taxes | $359,000 | 5,395 |
| Income before extraordinary items | $527,000 | 7,332 |
| Extraordinary gains, net | $147,000 | 1,256 |
| Net income | $674,000 | 6,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 8,132 |
| Cash dividends | $423,000 | 3,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $499,480 | 7,307 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,750,000 | 9,433 |
| Total interest expense | $1,114,000 | 9,933 |
| Net interest income | $1,636,000 | 8,856 |
| Provision for loan and lease losses | $4,000 | 11,584 |
| Total noninterest income | $267,000 | 8,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,457 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 11,113 |
| Total noninterest expense | $936,000 | 10,276 |
| Salaries and employee benefits | $455,000 | 10,255 |
| Premises and equipment expense | $176,000 | 8,414 |
| Additional noninterest expense | $305,000 | 10,762 |
| Pre-tax net operating income | $963,000 | 5,790 |
| Securities gains (losses) | $89,000 | 3,202 |
| Applicable income taxes | $390,000 | 4,891 |
| Income before extraordinary items | $662,000 | 6,158 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $662,000 | 6,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 10,870 |
| Cash dividends | $536,000 | 2,635 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $605,040 | 6,172 |
* 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.