Home > The First National Bank of Portland > Income and Expense
The First National Bank of Portland, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,083,000 | 4,280 |
| Total interest expense | $895,000 | 4,284 |
| Net interest income | $1,188,000 | 4,197 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $188,000 | 4,154 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $75,000 | 4,035 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $113,000 | 3,538 |
| Total noninterest expense | $801,000 | 4,802 |
| Salaries and employee benefits | $390,000 | 5,254 |
| Premises and equipment expense | $62,000 | 6,319 |
| Additional noninterest expense | $349,000 | 3,544 |
| Pre-tax net operating income | $515,000 | 3,462 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $189,000 | 2,475 |
| Income before extraordinary items | $326,000 | 3,978 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $326,000 | 3,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,697 |
| Cash dividends | $130,000 | 2,863 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 794 |
| Net operating income | $326,000 | 3,961 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,919,000 | 4,220 |
| Total interest expense | $3,120,000 | 4,219 |
| Net interest income | $4,799,000 | 4,131 |
| Provision for loan and lease losses | $240,000 | 3,157 |
| Total noninterest income | $721,000 | 4,294 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $294,000 | 4,175 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $427,000 | 3,619 |
| Total noninterest expense | $2,979,000 | 4,914 |
| Salaries and employee benefits | $1,382,000 | 5,449 |
| Premises and equipment expense | $171,000 | 7,028 |
| Additional noninterest expense | $1,426,000 | 3,426 |
| Pre-tax net operating income | $2,301,000 | 3,335 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $854,000 | 2,387 |
| Income before extraordinary items | $1,447,000 | 3,849 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,447,000 | 3,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 1,961 |
| Cash dividends | $832,000 | 2,875 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,104 |
| Net operating income | $1,447,000 | 3,828 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,834,000 | 4,252 |
| Total interest expense | $2,218,000 | 4,268 |
| Net interest income | $3,616,000 | 4,146 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $535,000 | 4,326 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $217,000 | 4,242 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $318,000 | 3,636 |
| Total noninterest expense | $2,242,000 | 4,876 |
| Salaries and employee benefits | $1,042,000 | 5,417 |
| Premises and equipment expense | $129,000 | 7,031 |
| Additional noninterest expense | $1,071,000 | 3,424 |
| Pre-tax net operating income | $1,729,000 | 3,454 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $644,000 | 2,486 |
| Income before extraordinary items | $1,085,000 | 3,969 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,085,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,286 |
| Cash dividends | $512,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 928 |
| Net operating income | $1,085,000 | 3,956 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,775,000 | 4,292 |
| Total interest expense | $1,349,000 | 4,375 |
| Net interest income | $2,426,000 | 4,130 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $341,000 | 4,416 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $137,000 | 4,323 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $204,000 | 3,708 |
| Total noninterest expense | $1,479,000 | 4,928 |
| Salaries and employee benefits | $734,000 | 5,255 |
| Premises and equipment expense | $85,000 | 7,068 |
| Additional noninterest expense | $660,000 | 3,642 |
| Pre-tax net operating income | $1,168,000 | 3,420 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $434,000 | 2,504 |
| Income before extraordinary items | $734,000 | 3,941 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $734,000 | 3,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,872 |
| Cash dividends | $512,000 | 2,322 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 793 |
| Net operating income | $734,000 | 3,931 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,805,000 | 4,371 |
| Total interest expense | $612,000 | 4,524 |
| Net interest income | $1,193,000 | 4,181 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $184,000 | 4,160 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $67,000 | 4,315 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $117,000 | 3,425 |
| Total noninterest expense | $743,000 | 4,931 |
| Salaries and employee benefits | $379,000 | 5,193 |
| Premises and equipment expense | $48,000 | 6,838 |
| Additional noninterest expense | $316,000 | 3,749 |
| Pre-tax net operating income | $574,000 | 3,417 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $214,000 | 2,521 |
| Income before extraordinary items | $360,000 | 3,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $360,000 | 3,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 1,568 |
| Cash dividends | $220,000 | 2,296 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 604 |
| Net operating income | $360,000 | 3,942 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,852,000 | 4,214 |
| Total interest expense | $2,062,000 | 4,343 |
| Net interest income | $4,790,000 | 4,080 |
| Provision for loan and lease losses | $253,000 | 3,131 |
| Total noninterest income | $618,000 | 4,716 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $295,000 | 4,221 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $323,000 | 4,182 |
| Total noninterest expense | $2,872,000 | 4,928 |
| Salaries and employee benefits | $1,513,000 | 5,017 |
| Premises and equipment expense | $163,000 | 7,133 |
| Additional noninterest expense | $1,196,000 | 3,880 |
| Pre-tax net operating income | $2,283,000 | 3,368 |
| Securities gains (losses) | $3,000 | 1,899 |
| Applicable income taxes | $844,000 | 2,528 |
| Income before extraordinary items | $1,442,000 | 3,879 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,442,000 | 3,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 1,479 |
| Cash dividends | $1,265,000 | 2,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,440,080 | 3,860 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,068,000 | 4,203 |
| Total interest expense | $1,478,000 | 4,340 |
| Net interest income | $3,590,000 | 4,082 |
| Provision for loan and lease losses | $83,000 | 4,565 |
| Total noninterest income | $450,000 | 4,826 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $221,000 | 4,251 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $229,000 | 4,301 |
| Total noninterest expense | $2,173,000 | 4,859 |
| Salaries and employee benefits | $1,166,000 | 4,913 |
| Premises and equipment expense | $121,000 | 7,144 |
| Additional noninterest expense | $886,000 | 3,854 |
| Pre-tax net operating income | $1,784,000 | 3,315 |
| Securities gains (losses) | $3,000 | 1,906 |
| Applicable income taxes | $660,000 | 2,483 |
| Income before extraordinary items | $1,127,000 | 3,845 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,127,000 | 3,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 1,628 |
| Cash dividends | $1,105,000 | 1,665 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,125,080 | 3,805 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,323,000 | 4,185 |
| Total interest expense | $971,000 | 4,222 |
| Net interest income | $2,352,000 | 4,116 |
| Provision for loan and lease losses | $53,000 | 4,474 |
| Total noninterest income | $300,000 | 4,786 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $148,000 | 4,183 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $152,000 | 4,291 |
| Total noninterest expense | $1,453,000 | 4,831 |
| Salaries and employee benefits | $793,000 | 4,839 |
| Premises and equipment expense | $81,000 | 7,132 |
| Additional noninterest expense | $579,000 | 3,911 |
| Pre-tax net operating income | $1,146,000 | 3,375 |
| Securities gains (losses) | $3,000 | 1,754 |
| Applicable income taxes | $422,000 | 2,529 |
| Income before extraordinary items | $727,000 | 3,884 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $727,000 | 3,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 1,240 |
| Cash dividends | $705,000 | 1,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $725,080 | 3,837 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,646,000 | 4,191 |
| Total interest expense | $480,000 | 4,133 |
| Net interest income | $1,166,000 | 4,155 |
| Provision for loan and lease losses | $23,000 | 4,505 |
| Total noninterest income | $162,000 | 4,514 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $72,000 | 4,184 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $90,000 | 3,957 |
| Total noninterest expense | $756,000 | 4,724 |
| Salaries and employee benefits | $412,000 | 4,729 |
| Premises and equipment expense | $51,000 | 6,715 |
| Additional noninterest expense | $293,000 | 3,887 |
| Pre-tax net operating income | $549,000 | 3,435 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $200,000 | 2,592 |
| Income before extraordinary items | $349,000 | 3,970 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $349,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,991 |
| Cash dividends | $330,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $349,000 | 3,922 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,577,000 | 3,989 |
| Total interest expense | $1,854,000 | 3,877 |
| Net interest income | $4,723,000 | 3,972 |
| Provision for loan and lease losses | $45,000 | 6,047 |
| Total noninterest income | $857,000 | 3,886 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $303,000 | 4,287 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $554,000 | 3,118 |
| Total noninterest expense | $2,975,000 | 4,688 |
| Salaries and employee benefits | $1,573,000 | 4,767 |
| Premises and equipment expense | $206,000 | 6,689 |
| Additional noninterest expense | $1,196,000 | 3,761 |
| Pre-tax net operating income | $2,560,000 | 2,954 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $939,000 | 2,263 |
| Income before extraordinary items | $1,621,000 | 3,430 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,621,000 | 3,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,344 |
| Cash dividends | $2,050,000 | 1,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,621,000 | 3,366 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,951,000 | 3,962 |
| Total interest expense | $1,365,000 | 3,880 |
| Net interest income | $3,586,000 | 3,920 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $699,000 | 3,738 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $224,000 | 4,368 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $475,000 | 2,891 |
| Total noninterest expense | $2,278,000 | 4,586 |
| Salaries and employee benefits | $1,222,000 | 4,627 |
| Premises and equipment expense | $152,000 | 6,692 |
| Additional noninterest expense | $904,000 | 3,703 |
| Pre-tax net operating income | $1,962,000 | 2,930 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $719,000 | 2,265 |
| Income before extraordinary items | $1,243,000 | 3,461 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,243,000 | 3,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,818 |
| Cash dividends | $1,560,000 | 1,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,243,000 | 3,368 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,234,000 | 4,028 |
| Total interest expense | $873,000 | 4,020 |
| Net interest income | $2,361,000 | 3,948 |
| Provision for loan and lease losses | $45,000 | 4,838 |
| Total noninterest income | $509,000 | 3,532 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $144,000 | 4,417 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $365,000 | 2,662 |
| Total noninterest expense | $1,501,000 | 4,665 |
| Salaries and employee benefits | $799,000 | 4,731 |
| Premises and equipment expense | $107,000 | 6,627 |
| Additional noninterest expense | $595,000 | 3,769 |
| Pre-tax net operating income | $1,324,000 | 2,863 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $484,000 | 2,259 |
| Income before extraordinary items | $840,000 | 3,404 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $840,000 | 3,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,012 |
| Cash dividends | $1,110,000 | 1,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $840,000 | 3,306 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,608,000 | 4,048 |
| Total interest expense | $442,000 | 4,024 |
| Net interest income | $1,166,000 | 3,986 |
| Provision for loan and lease losses | $22,000 | 4,718 |
| Total noninterest income | $189,000 | 4,180 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $69,000 | 4,450 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $120,000 | 3,347 |
| Total noninterest expense | $757,000 | 4,654 |
| Salaries and employee benefits | $401,000 | 4,728 |
| Premises and equipment expense | $55,000 | 6,556 |
| Additional noninterest expense | $301,000 | 3,739 |
| Pre-tax net operating income | $576,000 | 3,186 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $208,000 | 2,518 |
| Income before extraordinary items | $368,000 | 3,733 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $368,000 | 3,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,260 |
| Cash dividends | $375,000 | 1,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $368,000 | 3,609 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,995,000 | 3,828 |
| Total interest expense | $2,048,000 | 3,954 |
| Net interest income | $4,947,000 | 3,709 |
| Provision for loan and lease losses | $35,000 | 6,678 |
| Total noninterest income | $1,761,000 | 2,537 |
| Gross Fiduciary activities income | $1,000 | 1,575 |
| Service charges on deposit accounts | $287,000 | 4,410 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,473,000 | 1,849 |
| Total noninterest expense | $3,316,000 | 4,301 |
| Salaries and employee benefits | $1,498,000 | 4,851 |
| Premises and equipment expense | $204,000 | 6,731 |
| Additional noninterest expense | $1,614,000 | 2,882 |
| Pre-tax net operating income | $3,357,000 | 2,289 |
| Securities gains (losses) | $-4,000 | 8,670 |
| Applicable income taxes | $1,054,000 | 2,105 |
| Income before extraordinary items | $2,299,000 | 2,560 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,299,000 | 2,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,740 |
| Cash dividends | $1,976,000 | 1,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,301,760 | 2,437 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,339,000 | 3,817 |
| Total interest expense | $1,571,000 | 4,000 |
| Net interest income | $3,768,000 | 3,683 |
| Provision for loan and lease losses | $35,000 | 6,280 |
| Total noninterest income | $1,542,000 | 2,307 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $213,000 | 4,446 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,329,000 | 1,675 |
| Total noninterest expense | $2,552,000 | 4,200 |
| Salaries and employee benefits | $1,146,000 | 4,779 |
| Premises and equipment expense | $156,000 | 6,687 |
| Additional noninterest expense | $1,250,000 | 2,783 |
| Pre-tax net operating income | $2,723,000 | 2,205 |
| Securities gains (losses) | $-4,000 | 8,850 |
| Applicable income taxes | $831,000 | 2,146 |
| Income before extraordinary items | $1,888,000 | 2,448 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,888,000 | 2,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $1,613,000 | 1,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,890,760 | 2,328 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,656,000 | 3,748 |
| Total interest expense | $1,081,000 | 4,005 |
| Net interest income | $2,575,000 | 3,620 |
| Provision for loan and lease losses | $35,000 | 5,611 |
| Total noninterest income | $1,281,000 | 1,944 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $134,000 | 4,563 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,147,000 | 1,381 |
| Total noninterest expense | $1,761,000 | 4,068 |
| Salaries and employee benefits | $767,000 | 4,768 |
| Premises and equipment expense | $109,000 | 6,544 |
| Additional noninterest expense | $885,000 | 2,655 |
| Pre-tax net operating income | $2,060,000 | 1,981 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $591,000 | 2,071 |
| Income before extraordinary items | $1,469,000 | 2,150 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,469,000 | 2,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,807 |
| Cash dividends | $1,250,000 | 1,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,469,000 | 2,028 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,853,000 | 3,733 |
| Total interest expense | $549,000 | 4,049 |
| Net interest income | $1,304,000 | 3,572 |
| Provision for loan and lease losses | $35,000 | 4,303 |
| Total noninterest income | $447,000 | 2,488 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $64,000 | 4,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $383,000 | 1,792 |
| Total noninterest expense | $820,000 | 4,288 |
| Salaries and employee benefits | $377,000 | 4,836 |
| Premises and equipment expense | $55,000 | 6,522 |
| Additional noninterest expense | $388,000 | 2,931 |
| Pre-tax net operating income | $896,000 | 2,245 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $324,000 | 1,944 |
| Income before extraordinary items | $572,000 | 2,651 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $572,000 | 2,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 9,133 |
| Cash dividends | $340,000 | 1,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $572,000 | 2,513 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,628,000 | 3,790 |
| Total interest expense | $2,769,000 | 3,776 |
| Net interest income | $4,859,000 | 3,751 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $1,100,000 | 3,265 |
| Gross Fiduciary activities income | $108,000 | 976 |
| Service charges on deposit accounts | $272,000 | 4,474 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $720,000 | 2,663 |
| Total noninterest expense | $2,760,000 | 4,737 |
| Salaries and employee benefits | $1,445,000 | 4,831 |
| Premises and equipment expense | $231,000 | 6,384 |
| Additional noninterest expense | $1,084,000 | 3,931 |
| Pre-tax net operating income | $3,079,000 | 2,450 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,079,000 | 2,096 |
| Income before extraordinary items | $2,000,000 | 2,808 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,000,000 | 2,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,796 |
| Cash dividends | $2,085,000 | 1,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,000,000 | 2,720 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,828,000 | 3,695 |
| Total interest expense | $4,013,000 | 3,787 |
| Net interest income | $4,815,000 | 3,547 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $1,037,000 | 3,260 |
| Gross Fiduciary activities income | $108,000 | 981 |
| Service charges on deposit accounts | $293,000 | 4,212 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $636,000 | 2,733 |
| Total noninterest expense | $2,705,000 | 4,691 |
| Salaries and employee benefits | $1,446,000 | 4,641 |
| Premises and equipment expense | $243,000 | 6,170 |
| Additional noninterest expense | $1,016,000 | 4,020 |
| Pre-tax net operating income | $3,027,000 | 2,242 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,084,000 | 1,958 |
| Income before extraordinary items | $1,943,000 | 2,595 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,943,000 | 2,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,835 |
| Cash dividends | $895,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,943,000 | 2,526 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,530,000 | 3,922 |
| Total interest expense | $4,092,000 | 3,900 |
| Net interest income | $4,438,000 | 3,846 |
| Provision for loan and lease losses | $220,000 | 3,525 |
| Total noninterest income | $920,000 | 3,334 |
| Gross Fiduciary activities income | $105,000 | 933 |
| Service charges on deposit accounts | $265,000 | 4,378 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $550,000 | 2,789 |
| Total noninterest expense | $2,799,000 | 4,474 |
| Salaries and employee benefits | $1,630,000 | 4,089 |
| Premises and equipment expense | $275,000 | 5,711 |
| Additional noninterest expense | $894,000 | 4,361 |
| Pre-tax net operating income | $2,339,000 | 2,933 |
| Securities gains (losses) | $-5,000 | 7,961 |
| Applicable income taxes | $726,000 | 2,713 |
| Income before extraordinary items | $1,608,000 | 3,071 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,608,000 | 3,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,067 |
| Cash dividends | $8,460,000 | 434 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,611,450 | 3,063 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,276,000 | 3,783 |
| Total interest expense | $3,556,000 | 3,991 |
| Net interest income | $4,720,000 | 3,635 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $873,000 | 3,409 |
| Gross Fiduciary activities income | $92,000 | 1,006 |
| Service charges on deposit accounts | $252,000 | 4,502 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $529,000 | 2,855 |
| Total noninterest expense | $2,881,000 | 4,346 |
| Salaries and employee benefits | $1,616,000 | 4,089 |
| Premises and equipment expense | $310,000 | 5,372 |
| Additional noninterest expense | $955,000 | 4,162 |
| Pre-tax net operating income | $2,532,000 | 2,765 |
| Securities gains (losses) | $13,000 | 1,614 |
| Applicable income taxes | $908,000 | 2,370 |
| Income before extraordinary items | $1,637,000 | 3,032 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,637,000 | 3,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,589 |
| Cash dividends | $936,000 | 2,403 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,628,680 | 3,006 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,541,000 | 3,696 |
| Total interest expense | $3,898,000 | 3,776 |
| Net interest income | $4,643,000 | 3,642 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $852,000 | 3,456 |
| Gross Fiduciary activities income | $76,000 | 1,058 |
| Service charges on deposit accounts | $272,000 | 4,238 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $504,000 | 2,974 |
| Total noninterest expense | $2,987,000 | 4,136 |
| Salaries and employee benefits | $1,683,000 | 3,873 |
| Premises and equipment expense | $393,000 | 4,482 |
| Additional noninterest expense | $911,000 | 4,254 |
| Pre-tax net operating income | $2,268,000 | 3,012 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $790,000 | 2,770 |
| Income before extraordinary items | $1,486,000 | 3,293 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,486,000 | 3,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,165 |
| Cash dividends | $208,000 | 5,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,480,800 | 3,212 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,328,000 | 3,836 |
| Total interest expense | $3,753,000 | 3,910 |
| Net interest income | $4,575,000 | 3,776 |
| Provision for loan and lease losses | $240,000 | 3,015 |
| Total noninterest income | $755,000 | 3,742 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,401 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $485,000 | 2,885 |
| Total noninterest expense | $2,816,000 | 4,317 |
| Salaries and employee benefits | $1,516,000 | 4,215 |
| Premises and equipment expense | $400,000 | 4,453 |
| Additional noninterest expense | $900,000 | 4,313 |
| Pre-tax net operating income | $2,274,000 | 3,168 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $766,000 | 3,026 |
| Income before extraordinary items | $1,507,000 | 3,339 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,507,000 | 3,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,815 |
| Cash dividends | $177,000 | 5,643 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,507,660 | 3,265 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,861,000 | 4,107 |
| Total interest expense | $3,525,000 | 4,173 |
| Net interest income | $4,336,000 | 4,006 |
| Provision for loan and lease losses | $281,000 | 2,717 |
| Total noninterest income | $1,009,000 | 3,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,562 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $740,000 | 2,205 |
| Total noninterest expense | $2,454,000 | 5,075 |
| Salaries and employee benefits | $1,365,000 | 4,677 |
| Premises and equipment expense | $333,000 | 5,193 |
| Additional noninterest expense | $756,000 | 5,426 |
| Pre-tax net operating income | $2,610,000 | 2,676 |
| Securities gains (losses) | $-20,000 | 10,629 |
| Applicable income taxes | $890,000 | 2,604 |
| Income before extraordinary items | $1,700,000 | 2,858 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,700,000 | 2,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $364,000 | 1,805 |
| Cash dividends | $244,000 | 5,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,713,200 | 2,794 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,155,000 | 4,467 |
| Total interest expense | $3,159,000 | 4,533 |
| Net interest income | $3,996,000 | 4,316 |
| Provision for loan and lease losses | $155,000 | 3,565 |
| Total noninterest income | $664,000 | 4,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $230,000 | 5,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $434,000 | 3,155 |
| Total noninterest expense | $2,442,000 | 5,100 |
| Salaries and employee benefits | $1,315,000 | 4,811 |
| Premises and equipment expense | $281,000 | 5,914 |
| Additional noninterest expense | $846,000 | 5,014 |
| Pre-tax net operating income | $2,063,000 | 3,389 |
| Securities gains (losses) | $-30,000 | 10,836 |
| Applicable income taxes | $656,000 | 3,413 |
| Income before extraordinary items | $1,377,000 | 3,513 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,377,000 | 3,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,176 |
| Cash dividends | $204,000 | 5,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,397,400 | 3,441 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,234,000 | 4,698 |
| Total interest expense | $2,685,000 | 4,360 |
| Net interest income | $3,549,000 | 4,878 |
| Provision for loan and lease losses | $139,000 | 3,781 |
| Total noninterest income | $508,000 | 5,245 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 5,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $293,000 | 4,145 |
| Total noninterest expense | $2,218,000 | 5,699 |
| Salaries and employee benefits | $1,153,000 | 5,445 |
| Premises and equipment expense | $267,000 | 6,229 |
| Additional noninterest expense | $798,000 | 5,712 |
| Pre-tax net operating income | $1,700,000 | 3,964 |
| Securities gains (losses) | $-12,000 | 9,966 |
| Applicable income taxes | $487,000 | 4,137 |
| Income before extraordinary items | $1,201,000 | 3,861 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,201,000 | 3,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,275 |
| Cash dividends | $649,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,209,520 | 3,854 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,376,000 | 4,696 |
| Total interest expense | $2,774,000 | 4,410 |
| Net interest income | $3,602,000 | 4,834 |
| Provision for loan and lease losses | $139,000 | 4,861 |
| Total noninterest income | $439,000 | 6,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 5,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $223,000 | 5,343 |
| Total noninterest expense | $2,078,000 | 6,138 |
| Salaries and employee benefits | $1,073,000 | 5,776 |
| Premises and equipment expense | $154,000 | 8,798 |
| Additional noninterest expense | $851,000 | 5,621 |
| Pre-tax net operating income | $1,824,000 | 3,627 |
| Securities gains (losses) | $53,000 | 3,314 |
| Applicable income taxes | $585,000 | 3,686 |
| Income before extraordinary items | $1,292,000 | 3,735 |
| Extraordinary gains, net | $53,000 | 2,118 |
| Net income | $1,345,000 | 3,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,735 |
| Cash dividends | $1,183,000 | 1,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,255,430 | 3,636 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,962,000 | 4,843 |
| Total interest expense | $3,210,000 | 4,879 |
| Net interest income | $3,752,000 | 4,727 |
| Provision for loan and lease losses | $180,000 | 5,503 |
| Total noninterest income | $442,000 | 6,146 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,561 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 5,372 |
| Total noninterest expense | $2,075,000 | 6,196 |
| Salaries and employee benefits | $1,040,000 | 5,820 |
| Premises and equipment expense | $148,000 | 9,172 |
| Additional noninterest expense | $887,000 | 5,594 |
| Pre-tax net operating income | $1,939,000 | 3,190 |
| Securities gains (losses) | $82,000 | 3,330 |
| Applicable income taxes | $654,000 | 3,185 |
| Income before extraordinary items | $1,367,000 | 3,356 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,367,000 | 3,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 4,592 |
| Cash dividends | $881,000 | 1,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,311,240 | 3,244 |
* 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.