Home > The First National Bank & Trust Company of Beatrice > Income and Expense
The First National Bank & Trust Company of Beatrice, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,431,000 | 3,956 |
| Total interest expense | $2,150,000 | 3,564 |
| Net interest income | $2,281,000 | 4,225 |
| Provision for loan and lease losses | $327,000 | 2,421 |
| Total noninterest income | $674,000 | 2,925 |
| Gross Fiduciary activities income | $64,000 | 870 |
| Service charges on deposit accounts | $281,000 | 2,781 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $329,000 | 2,885 |
| Total noninterest expense | $2,443,000 | 3,632 |
| Salaries and employee benefits | $1,406,000 | 3,507 |
| Premises and equipment expense | $438,000 | 2,965 |
| Additional noninterest expense | $599,000 | 4,198 |
| Pre-tax net operating income | $185,000 | 5,916 |
| Securities gains (losses) | $279,000 | 484 |
| Applicable income taxes | $125,000 | 3,214 |
| Income before extraordinary items | $339,000 | 4,798 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $339,000 | 4,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,064 |
| Cash dividends | $350,000 | 2,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $135,330 | 6,017 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,360,000 | 3,862 |
| Total interest expense | $1,134,000 | 3,592 |
| Net interest income | $1,226,000 | 4,042 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $334,000 | 2,916 |
| Gross Fiduciary activities income | $31,000 | 889 |
| Service charges on deposit accounts | $139,000 | 2,775 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $164,000 | 2,895 |
| Total noninterest expense | $1,259,000 | 3,563 |
| Salaries and employee benefits | $732,000 | 3,427 |
| Premises and equipment expense | $218,000 | 2,990 |
| Additional noninterest expense | $309,000 | 4,023 |
| Pre-tax net operating income | $301,000 | 4,148 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $87,000 | 2,957 |
| Income before extraordinary items | $214,000 | 4,523 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $214,000 | 4,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $250,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $214,000 | 4,423 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,545,000 | 3,884 |
| Total interest expense | $4,794,000 | 3,567 |
| Net interest income | $4,751,000 | 4,147 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,183,000 | 3,168 |
| Gross Fiduciary activities income | $86,000 | 940 |
| Service charges on deposit accounts | $532,000 | 2,910 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $565,000 | 3,109 |
| Total noninterest expense | $5,220,000 | 3,336 |
| Salaries and employee benefits | $3,023,000 | 3,209 |
| Premises and equipment expense | $911,000 | 2,779 |
| Additional noninterest expense | $1,286,000 | 3,874 |
| Pre-tax net operating income | $714,000 | 5,407 |
| Securities gains (losses) | $97,000 | 615 |
| Applicable income taxes | $209,000 | 3,798 |
| Income before extraordinary items | $602,000 | 5,342 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $602,000 | 5,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,353 |
| Cash dividends | $575,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $530,220 | 5,567 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,086,000 | 3,927 |
| Total interest expense | $3,581,000 | 3,582 |
| Net interest income | $3,505,000 | 4,210 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $857,000 | 3,244 |
| Gross Fiduciary activities income | $69,000 | 927 |
| Service charges on deposit accounts | $392,000 | 2,943 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $396,000 | 3,228 |
| Total noninterest expense | $3,861,000 | 3,340 |
| Salaries and employee benefits | $2,237,000 | 3,227 |
| Premises and equipment expense | $692,000 | 2,734 |
| Additional noninterest expense | $932,000 | 3,911 |
| Pre-tax net operating income | $501,000 | 5,767 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $118,000 | 4,282 |
| Income before extraordinary items | $383,000 | 5,906 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $383,000 | 5,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,499 |
| Cash dividends | $500,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $383,000 | 5,892 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,722,000 | 3,938 |
| Total interest expense | $2,413,000 | 3,553 |
| Net interest income | $2,309,000 | 4,281 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $540,000 | 3,392 |
| Gross Fiduciary activities income | $53,000 | 919 |
| Service charges on deposit accounts | $242,000 | 3,094 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $245,000 | 3,390 |
| Total noninterest expense | $2,548,000 | 3,397 |
| Salaries and employee benefits | $1,478,000 | 3,286 |
| Premises and equipment expense | $457,000 | 2,771 |
| Additional noninterest expense | $613,000 | 3,959 |
| Pre-tax net operating income | $301,000 | 6,029 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $62,000 | 4,578 |
| Income before extraordinary items | $239,000 | 6,095 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $239,000 | 6,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,811 |
| Cash dividends | $275,000 | 3,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $239,000 | 6,084 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,336,000 | 3,961 |
| Total interest expense | $1,201,000 | 3,532 |
| Net interest income | $1,135,000 | 4,324 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $250,000 | 3,531 |
| Gross Fiduciary activities income | $22,000 | 957 |
| Service charges on deposit accounts | $111,000 | 3,236 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $117,000 | 3,484 |
| Total noninterest expense | $1,264,000 | 3,430 |
| Salaries and employee benefits | $730,000 | 3,338 |
| Premises and equipment expense | $231,000 | 2,775 |
| Additional noninterest expense | $303,000 | 3,941 |
| Pre-tax net operating income | $121,000 | 6,409 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $21,000 | 4,889 |
| Income before extraordinary items | $100,000 | 6,401 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $100,000 | 6,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,471 |
| Cash dividends | $150,000 | 2,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $100,000 | 6,381 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,783,000 | 3,945 |
| Total interest expense | $4,057,000 | 3,562 |
| Net interest income | $4,726,000 | 4,184 |
| Provision for loan and lease losses | $162,000 | 3,925 |
| Total noninterest income | $1,031,000 | 3,473 |
| Gross Fiduciary activities income | $51,000 | 1,025 |
| Service charges on deposit accounts | $606,000 | 2,667 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $374,000 | 3,854 |
| Total noninterest expense | $4,834,000 | 3,444 |
| Salaries and employee benefits | $2,831,000 | 3,293 |
| Premises and equipment expense | $759,000 | 3,129 |
| Additional noninterest expense | $1,244,000 | 3,830 |
| Pre-tax net operating income | $761,000 | 5,749 |
| Securities gains (losses) | $-50,000 | 7,943 |
| Applicable income taxes | $139,000 | 4,690 |
| Income before extraordinary items | $572,000 | 5,915 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $572,000 | 5,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,469 |
| Cash dividends | $550,000 | 3,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $612,000 | 5,774 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,426,000 | 3,980 |
| Total interest expense | $2,858,000 | 3,622 |
| Net interest income | $3,568,000 | 4,183 |
| Provision for loan and lease losses | $142,000 | 3,496 |
| Total noninterest income | $782,000 | 3,445 |
| Gross Fiduciary activities income | $36,000 | 1,029 |
| Service charges on deposit accounts | $469,000 | 2,606 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $277,000 | 3,882 |
| Total noninterest expense | $3,483,000 | 3,545 |
| Salaries and employee benefits | $2,077,000 | 3,339 |
| Premises and equipment expense | $519,000 | 3,366 |
| Additional noninterest expense | $887,000 | 3,960 |
| Pre-tax net operating income | $725,000 | 5,439 |
| Securities gains (losses) | $-51,000 | 8,182 |
| Applicable income taxes | $152,000 | 4,470 |
| Income before extraordinary items | $522,000 | 5,663 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $522,000 | 5,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 1,731 |
| Cash dividends | $450,000 | 3,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $561,270 | 5,526 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,185,000 | 3,995 |
| Total interest expense | $1,790,000 | 3,671 |
| Net interest income | $2,395,000 | 4,170 |
| Provision for loan and lease losses | $20,000 | 5,511 |
| Total noninterest income | $525,000 | 3,413 |
| Gross Fiduciary activities income | $19,000 | 1,076 |
| Service charges on deposit accounts | $314,000 | 2,578 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $192,000 | 3,832 |
| Total noninterest expense | $2,312,000 | 3,560 |
| Salaries and employee benefits | $1,388,000 | 3,343 |
| Premises and equipment expense | $342,000 | 3,390 |
| Additional noninterest expense | $582,000 | 4,002 |
| Pre-tax net operating income | $588,000 | 5,040 |
| Securities gains (losses) | $-51,000 | 8,369 |
| Applicable income taxes | $127,000 | 4,236 |
| Income before extraordinary items | $410,000 | 5,336 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $410,000 | 5,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $250,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $448,760 | 5,134 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,010,000 | 4,071 |
| Total interest expense | $854,000 | 3,665 |
| Net interest income | $1,156,000 | 4,264 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $250,000 | 3,467 |
| Gross Fiduciary activities income | $8,000 | 1,094 |
| Service charges on deposit accounts | $146,000 | 2,652 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $96,000 | 3,801 |
| Total noninterest expense | $1,156,000 | 3,574 |
| Salaries and employee benefits | $687,000 | 3,389 |
| Premises and equipment expense | $171,000 | 3,403 |
| Additional noninterest expense | $298,000 | 3,922 |
| Pre-tax net operating income | $250,000 | 5,373 |
| Securities gains (losses) | $-51,000 | 8,572 |
| Applicable income taxes | $34,000 | 4,897 |
| Income before extraordinary items | $165,000 | 5,752 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $165,000 | 5,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $100,000 | 3,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $207,330 | 5,278 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,237,000 | 4,044 |
| Total interest expense | $2,903,000 | 3,429 |
| Net interest income | $4,334,000 | 4,383 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,095,000 | 3,343 |
| Gross Fiduciary activities income | $77,000 | 991 |
| Service charges on deposit accounts | $626,000 | 2,570 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $392,000 | 3,806 |
| Total noninterest expense | $4,518,000 | 3,530 |
| Salaries and employee benefits | $2,656,000 | 3,313 |
| Premises and equipment expense | $624,000 | 3,536 |
| Additional noninterest expense | $1,238,000 | 3,774 |
| Pre-tax net operating income | $911,000 | 5,603 |
| Securities gains (losses) | $3,000 | 1,899 |
| Applicable income taxes | $118,000 | 5,227 |
| Income before extraordinary items | $796,000 | 5,355 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $796,000 | 5,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,423 |
| Cash dividends | $150,000 | 5,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $793,390 | 5,342 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,341,000 | 4,050 |
| Total interest expense | $2,107,000 | 3,374 |
| Net interest income | $3,234,000 | 4,409 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $795,000 | 3,416 |
| Gross Fiduciary activities income | $39,000 | 1,031 |
| Service charges on deposit accounts | $470,000 | 2,568 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $286,000 | 3,881 |
| Total noninterest expense | $3,353,000 | 3,519 |
| Salaries and employee benefits | $2,014,000 | 3,255 |
| Premises and equipment expense | $440,000 | 3,716 |
| Additional noninterest expense | $899,000 | 3,808 |
| Pre-tax net operating income | $676,000 | 5,719 |
| Securities gains (losses) | $3,000 | 1,906 |
| Applicable income taxes | $83,000 | 5,410 |
| Income before extraordinary items | $596,000 | 5,459 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $596,000 | 5,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,292 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $593,360 | 5,440 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,547,000 | 3,998 |
| Total interest expense | $1,374,000 | 3,273 |
| Net interest income | $2,173,000 | 4,351 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $514,000 | 3,448 |
| Gross Fiduciary activities income | $24,000 | 1,042 |
| Service charges on deposit accounts | $302,000 | 2,607 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $188,000 | 3,872 |
| Total noninterest expense | $2,214,000 | 3,527 |
| Salaries and employee benefits | $1,336,000 | 3,247 |
| Premises and equipment expense | $284,000 | 3,780 |
| Additional noninterest expense | $594,000 | 3,841 |
| Pre-tax net operating income | $473,000 | 5,593 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $60,000 | 5,354 |
| Income before extraordinary items | $413,000 | 5,366 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $413,000 | 5,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,409 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $413,000 | 5,325 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,733,000 | 4,036 |
| Total interest expense | $677,000 | 3,201 |
| Net interest income | $1,056,000 | 4,448 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $250,000 | 3,462 |
| Gross Fiduciary activities income | $12,000 | 1,041 |
| Service charges on deposit accounts | $141,000 | 2,681 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,786 |
| Total noninterest expense | $1,097,000 | 3,571 |
| Salaries and employee benefits | $658,000 | 3,289 |
| Premises and equipment expense | $141,000 | 3,820 |
| Additional noninterest expense | $298,000 | 3,818 |
| Pre-tax net operating income | $209,000 | 5,868 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $14,000 | 5,897 |
| Income before extraordinary items | $195,000 | 5,486 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $195,000 | 5,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $195,000 | 5,448 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,578,000 | 3,988 |
| Total interest expense | $2,545,000 | 3,010 |
| Net interest income | $4,033,000 | 4,456 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,118,000 | 3,293 |
| Gross Fiduciary activities income | $51,000 | 1,056 |
| Service charges on deposit accounts | $672,000 | 2,465 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $395,000 | 3,740 |
| Total noninterest expense | $4,193,000 | 3,598 |
| Salaries and employee benefits | $2,427,000 | 3,433 |
| Premises and equipment expense | $517,000 | 3,982 |
| Additional noninterest expense | $1,249,000 | 3,630 |
| Pre-tax net operating income | $958,000 | 5,355 |
| Securities gains (losses) | $-4,000 | 8,021 |
| Applicable income taxes | $97,000 | 5,535 |
| Income before extraordinary items | $857,000 | 5,098 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $857,000 | 5,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,972 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $860,600 | 5,025 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,852,000 | 4,013 |
| Total interest expense | $1,869,000 | 3,005 |
| Net interest income | $2,983,000 | 4,495 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $849,000 | 3,281 |
| Gross Fiduciary activities income | $37,000 | 1,058 |
| Service charges on deposit accounts | $515,000 | 2,434 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $297,000 | 3,742 |
| Total noninterest expense | $3,039,000 | 3,674 |
| Salaries and employee benefits | $1,758,000 | 3,500 |
| Premises and equipment expense | $376,000 | 4,058 |
| Additional noninterest expense | $905,000 | 3,699 |
| Pre-tax net operating income | $793,000 | 5,208 |
| Securities gains (losses) | $-4,000 | 8,316 |
| Applicable income taxes | $99,000 | 5,358 |
| Income before extraordinary items | $690,000 | 4,991 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $690,000 | 4,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $693,480 | 4,892 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,137,000 | 4,113 |
| Total interest expense | $1,221,000 | 3,038 |
| Net interest income | $1,916,000 | 4,611 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $555,000 | 3,341 |
| Gross Fiduciary activities income | $22,000 | 1,079 |
| Service charges on deposit accounts | $332,000 | 2,505 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $201,000 | 3,722 |
| Total noninterest expense | $1,968,000 | 3,787 |
| Salaries and employee benefits | $1,117,000 | 3,653 |
| Premises and equipment expense | $251,000 | 4,062 |
| Additional noninterest expense | $600,000 | 3,746 |
| Pre-tax net operating income | $503,000 | 5,290 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $53,000 | 5,582 |
| Income before extraordinary items | $450,000 | 5,005 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $450,000 | 5,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,788 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $450,000 | 4,916 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,566,000 | 4,143 |
| Total interest expense | $610,000 | 3,078 |
| Net interest income | $956,000 | 4,613 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $269,000 | 3,352 |
| Gross Fiduciary activities income | $11,000 | 1,081 |
| Service charges on deposit accounts | $158,000 | 2,563 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $100,000 | 3,719 |
| Total noninterest expense | $955,000 | 3,901 |
| Salaries and employee benefits | $540,000 | 3,775 |
| Premises and equipment expense | $122,000 | 4,191 |
| Additional noninterest expense | $293,000 | 3,808 |
| Pre-tax net operating income | $270,000 | 5,079 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $32,000 | 5,327 |
| Income before extraordinary items | $238,000 | 4,880 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $238,000 | 4,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $238,000 | 4,757 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,818,000 | 3,903 |
| Total interest expense | $2,707,000 | 3,142 |
| Net interest income | $4,111,000 | 4,282 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $1,069,000 | 3,575 |
| Gross Fiduciary activities income | $41,000 | 1,114 |
| Service charges on deposit accounts | $682,000 | 2,412 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $346,000 | 4,240 |
| Total noninterest expense | $3,746,000 | 3,893 |
| Salaries and employee benefits | $2,101,000 | 3,774 |
| Premises and equipment expense | $483,000 | 4,182 |
| Additional noninterest expense | $1,162,000 | 3,820 |
| Pre-tax net operating income | $1,434,000 | 4,236 |
| Securities gains (losses) | $412,000 | 853 |
| Applicable income taxes | $408,000 | 3,737 |
| Income before extraordinary items | $1,438,000 | 3,657 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,438,000 | 3,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,740 |
| Cash dividends | $425,000 | 3,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,116,640 | 4,156 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,211,000 | 3,894 |
| Total interest expense | $2,077,000 | 3,193 |
| Net interest income | $3,134,000 | 4,252 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $794,000 | 3,663 |
| Gross Fiduciary activities income | $28,000 | 1,128 |
| Service charges on deposit accounts | $511,000 | 2,424 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $255,000 | 4,344 |
| Total noninterest expense | $2,747,000 | 3,942 |
| Salaries and employee benefits | $1,539,000 | 3,832 |
| Premises and equipment expense | $370,000 | 4,086 |
| Additional noninterest expense | $838,000 | 3,940 |
| Pre-tax net operating income | $1,181,000 | 4,121 |
| Securities gains (losses) | $412,000 | 778 |
| Applicable income taxes | $383,000 | 3,485 |
| Income before extraordinary items | $1,210,000 | 3,477 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,210,000 | 3,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,382 |
| Cash dividends | $425,000 | 2,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $896,880 | 4,131 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,585,000 | 3,818 |
| Total interest expense | $1,429,000 | 3,197 |
| Net interest income | $2,156,000 | 4,163 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $525,000 | 3,646 |
| Gross Fiduciary activities income | $19,000 | 1,124 |
| Service charges on deposit accounts | $344,000 | 2,375 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $162,000 | 4,433 |
| Total noninterest expense | $1,830,000 | 3,940 |
| Salaries and employee benefits | $1,020,000 | 3,847 |
| Premises and equipment expense | $247,000 | 4,086 |
| Additional noninterest expense | $563,000 | 3,890 |
| Pre-tax net operating income | $851,000 | 3,894 |
| Securities gains (losses) | $412,000 | 653 |
| Applicable income taxes | $325,000 | 3,086 |
| Income before extraordinary items | $938,000 | 3,111 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $938,000 | 3,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,273 |
| Cash dividends | $425,000 | 2,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $633,120 | 3,944 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,862,000 | 3,720 |
| Total interest expense | $733,000 | 3,189 |
| Net interest income | $1,129,000 | 4,014 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $255,000 | 3,591 |
| Gross Fiduciary activities income | $9,000 | 1,140 |
| Service charges on deposit accounts | $165,000 | 2,397 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $81,000 | 4,308 |
| Total noninterest expense | $906,000 | 3,972 |
| Salaries and employee benefits | $506,000 | 3,859 |
| Premises and equipment expense | $120,000 | 4,153 |
| Additional noninterest expense | $280,000 | 3,863 |
| Pre-tax net operating income | $478,000 | 3,604 |
| Securities gains (losses) | $311,000 | 500 |
| Applicable income taxes | $227,000 | 2,479 |
| Income before extraordinary items | $562,000 | 2,685 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $562,000 | 2,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $350,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $341,190 | 3,695 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,270,000 | 3,558 |
| Total interest expense | $3,506,000 | 3,094 |
| Net interest income | $4,764,000 | 3,808 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $1,114,000 | 3,235 |
| Gross Fiduciary activities income | $41,000 | 1,154 |
| Service charges on deposit accounts | $726,000 | 2,185 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $347,000 | 3,967 |
| Total noninterest expense | $3,611,000 | 3,861 |
| Salaries and employee benefits | $1,991,000 | 3,750 |
| Premises and equipment expense | $440,000 | 4,333 |
| Additional noninterest expense | $1,180,000 | 3,652 |
| Pre-tax net operating income | $2,267,000 | 3,114 |
| Securities gains (losses) | $48,000 | 2,442 |
| Applicable income taxes | $593,000 | 3,141 |
| Income before extraordinary items | $1,722,000 | 3,146 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,722,000 | 3,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,727 |
| Cash dividends | $1,075,000 | 2,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,686,480 | 3,102 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,193,000 | 3,568 |
| Total interest expense | $4,923,000 | 3,190 |
| Net interest income | $4,270,000 | 3,925 |
| Provision for loan and lease losses | $4,000 | 8,142 |
| Total noninterest income | $907,000 | 3,556 |
| Gross Fiduciary activities income | $40,000 | 1,177 |
| Service charges on deposit accounts | $556,000 | 2,603 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $311,000 | 4,037 |
| Total noninterest expense | $3,317,000 | 4,000 |
| Salaries and employee benefits | $1,857,000 | 3,814 |
| Premises and equipment expense | $408,000 | 4,537 |
| Additional noninterest expense | $1,052,000 | 3,895 |
| Pre-tax net operating income | $1,856,000 | 3,354 |
| Securities gains (losses) | $335,000 | 834 |
| Applicable income taxes | $610,000 | 2,940 |
| Income before extraordinary items | $1,581,000 | 3,095 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,581,000 | 3,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $1,250,000 | 1,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,339,800 | 3,418 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,240,000 | 3,653 |
| Total interest expense | $5,168,000 | 3,215 |
| Net interest income | $4,072,000 | 4,122 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $775,000 | 3,734 |
| Gross Fiduciary activities income | $52,000 | 1,046 |
| Service charges on deposit accounts | $469,000 | 2,863 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $254,000 | 4,269 |
| Total noninterest expense | $3,031,000 | 4,192 |
| Salaries and employee benefits | $1,738,000 | 3,883 |
| Premises and equipment expense | $289,000 | 5,539 |
| Additional noninterest expense | $1,004,000 | 3,985 |
| Pre-tax net operating income | $1,816,000 | 3,548 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $525,000 | 3,381 |
| Income before extraordinary items | $1,287,000 | 3,667 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,287,000 | 3,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,408 |
| Cash dividends | $845,000 | 2,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,289,840 | 3,656 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,245,000 | 3,800 |
| Total interest expense | $4,532,000 | 3,220 |
| Net interest income | $3,713,000 | 4,447 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $565,000 | 4,598 |
| Gross Fiduciary activities income | $32,000 | 1,157 |
| Service charges on deposit accounts | $358,000 | 3,512 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $175,000 | 5,245 |
| Total noninterest expense | $2,647,000 | 4,662 |
| Salaries and employee benefits | $1,482,000 | 4,384 |
| Premises and equipment expense | $253,000 | 5,997 |
| Additional noninterest expense | $912,000 | 4,337 |
| Pre-tax net operating income | $1,631,000 | 3,870 |
| Securities gains (losses) | $53,000 | 962 |
| Applicable income taxes | $516,000 | 3,567 |
| Income before extraordinary items | $1,168,000 | 3,956 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,168,000 | 3,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $1,040,000 | 2,184 |
| Sale, conversion, retirement of capital stock, net | $3,406,000 | 340 |
| Net operating income | $1,131,430 | 4,013 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,365,000 | 4,219 |
| Total interest expense | $4,069,000 | 3,629 |
| Net interest income | $3,296,000 | 4,810 |
| Provision for loan and lease losses | $20,000 | 7,729 |
| Total noninterest income | $430,000 | 5,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 4,461 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $178,000 | 5,261 |
| Total noninterest expense | $2,054,000 | 5,499 |
| Salaries and employee benefits | $1,152,000 | 5,230 |
| Premises and equipment expense | $207,000 | 6,600 |
| Additional noninterest expense | $695,000 | 5,196 |
| Pre-tax net operating income | $1,652,000 | 3,895 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $504,000 | 3,812 |
| Income before extraordinary items | $1,148,000 | 4,071 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,148,000 | 4,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,135 |
| Cash dividends | $1,030,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,148,000 | 3,982 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,804,000 | 4,602 |
| Total interest expense | $3,701,000 | 3,949 |
| Net interest income | $3,103,000 | 5,163 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $343,000 | 6,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 4,940 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,392 |
| Total noninterest expense | $1,873,000 | 5,917 |
| Salaries and employee benefits | $1,024,000 | 5,767 |
| Premises and equipment expense | $213,000 | 6,604 |
| Additional noninterest expense | $636,000 | 5,582 |
| Pre-tax net operating income | $1,573,000 | 4,302 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $479,000 | 4,340 |
| Income before extraordinary items | $1,094,000 | 4,388 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,094,000 | 4,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 10,540 |
| Cash dividends | $715,000 | 2,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,094,000 | 4,318 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,268,000 | 5,021 |
| Total interest expense | $3,304,000 | 4,398 |
| Net interest income | $2,964,000 | 5,492 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $317,000 | 6,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 5,685 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,505 |
| Total noninterest expense | $1,872,000 | 6,236 |
| Salaries and employee benefits | $954,000 | 6,203 |
| Premises and equipment expense | $272,000 | 5,939 |
| Additional noninterest expense | $646,000 | 6,058 |
| Pre-tax net operating income | $1,409,000 | 4,560 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $420,000 | 4,735 |
| Income before extraordinary items | $989,000 | 4,557 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $989,000 | 4,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,349 |
| Cash dividends | $790,000 | 2,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $989,000 | 4,501 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,856,000 | 5,305 |
| Total interest expense | $3,178,000 | 4,510 |
| Net interest income | $2,678,000 | 5,997 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $424,000 | 5,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 5,396 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $207,000 | 5,033 |
| Total noninterest expense | $1,611,000 | 6,946 |
| Salaries and employee benefits | $856,000 | 6,787 |
| Premises and equipment expense | $183,000 | 7,537 |
| Additional noninterest expense | $572,000 | 6,711 |
| Pre-tax net operating income | $1,491,000 | 4,474 |
| Securities gains (losses) | $-10,000 | 10,097 |
| Applicable income taxes | $433,000 | 4,664 |
| Income before extraordinary items | $1,048,000 | 4,412 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,048,000 | 4,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $625,000 | 2,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,055,100 | 4,384 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,004,000 | 5,667 |
| Total interest expense | $2,545,000 | 4,579 |
| Net interest income | $2,459,000 | 6,556 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $331,000 | 6,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,848 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,669 |
| Total noninterest expense | $1,595,000 | 7,320 |
| Salaries and employee benefits | $800,000 | 7,213 |
| Premises and equipment expense | $154,000 | 8,443 |
| Additional noninterest expense | $641,000 | 6,730 |
| Pre-tax net operating income | $1,145,000 | 5,415 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $314,000 | 5,710 |
| Income before extraordinary items | $831,000 | 5,210 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $831,000 | 5,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,525 |
| Cash dividends | $746,000 | 2,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $831,000 | 5,263 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,832,000 | 5,949 |
| Total interest expense | $2,565,000 | 4,699 |
| Net interest income | $2,267,000 | 6,996 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $329,000 | 7,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 6,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,740 |
| Total noninterest expense | $1,471,000 | 7,928 |
| Salaries and employee benefits | $755,000 | 7,614 |
| Premises and equipment expense | $139,000 | 9,201 |
| Additional noninterest expense | $577,000 | 7,544 |
| Pre-tax net operating income | $1,125,000 | 5,426 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $306,000 | 5,999 |
| Income before extraordinary items | $819,000 | 5,466 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $819,000 | 5,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 6,463 |
| Cash dividends | $2,475,000 | 850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $819,000 | 5,230 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,517,000 | 5,886 |
| Total interest expense | $3,185,000 | 4,904 |
| Net interest income | $2,332,000 | 6,929 |
| Provision for loan and lease losses | $280,000 | 4,302 |
| Total noninterest income | $296,000 | 7,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 6,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,856 |
| Total noninterest expense | $1,380,000 | 8,372 |
| Salaries and employee benefits | $712,000 | 7,898 |
| Premises and equipment expense | $127,000 | 9,784 |
| Additional noninterest expense | $541,000 | 8,072 |
| Pre-tax net operating income | $968,000 | 5,762 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $258,000 | 6,544 |
| Income before extraordinary items | $723,000 | 5,790 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $723,000 | 5,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 4,970 |
| Cash dividends | $377,000 | 3,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $713,380 | 5,503 |
* 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.