Home > THE National Bank > Income and Expense
THE National Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $29,104,000 | 1,134 |
| Total interest expense | $8,741,000 | 1,307 |
| Net interest income | $20,363,000 | 1,058 |
| Provision for loan and lease losses | $2,050,000 | 535 |
| Total noninterest income | $2,774,000 | 1,720 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,583,000 | 1,127 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,191,000 | 1,979 |
| Total noninterest expense | $13,221,000 | 1,309 |
| Salaries and employee benefits | $7,270,000 | 1,275 |
| Premises and equipment expense | $1,949,000 | 1,257 |
| Additional noninterest expense | $4,002,000 | 1,291 |
| Pre-tax net operating income | $7,866,000 | 1,214 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,960,000 | 959 |
| Income before extraordinary items | $4,906,000 | 1,437 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,906,000 | 1,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,655,000 | 465 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,906,000 | 1,422 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $21,297,000 | 1,131 |
| Total interest expense | $6,208,000 | 1,286 |
| Net interest income | $15,089,000 | 1,056 |
| Provision for loan and lease losses | $1,750,000 | 428 |
| Total noninterest income | $2,020,000 | 1,768 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,134,000 | 1,168 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $886,000 | 1,975 |
| Total noninterest expense | $9,984,000 | 1,281 |
| Salaries and employee benefits | $5,431,000 | 1,266 |
| Premises and equipment expense | $1,429,000 | 1,276 |
| Additional noninterest expense | $3,124,000 | 1,224 |
| Pre-tax net operating income | $5,375,000 | 1,336 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,020,000 | 1,059 |
| Income before extraordinary items | $3,355,000 | 1,575 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,355,000 | 1,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $746,000 | 615 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,355,000 | 1,548 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,900,000 | 1,125 |
| Total interest expense | $3,943,000 | 1,276 |
| Net interest income | $9,957,000 | 1,056 |
| Provision for loan and lease losses | $1,150,000 | 434 |
| Total noninterest income | $1,273,000 | 1,844 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $674,000 | 1,263 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $599,000 | 1,931 |
| Total noninterest expense | $6,662,000 | 1,271 |
| Salaries and employee benefits | $3,653,000 | 1,253 |
| Premises and equipment expense | $935,000 | 1,284 |
| Additional noninterest expense | $2,074,000 | 1,213 |
| Pre-tax net operating income | $3,418,000 | 1,374 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,293,000 | 1,079 |
| Income before extraordinary items | $2,125,000 | 1,620 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,125,000 | 1,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 854 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,125,000 | 1,596 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,766,000 | 1,125 |
| Total interest expense | $1,889,000 | 1,254 |
| Net interest income | $4,877,000 | 1,069 |
| Provision for loan and lease losses | $525,000 | 448 |
| Total noninterest income | $591,000 | 1,903 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $311,000 | 1,319 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $280,000 | 1,974 |
| Total noninterest expense | $3,241,000 | 1,317 |
| Salaries and employee benefits | $1,834,000 | 1,255 |
| Premises and equipment expense | $435,000 | 1,394 |
| Additional noninterest expense | $972,000 | 1,273 |
| Pre-tax net operating income | $1,702,000 | 1,345 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $644,000 | 1,078 |
| Income before extraordinary items | $1,058,000 | 1,586 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,058,000 | 1,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 659 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,058,000 | 1,566 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $24,575,000 | 1,152 |
| Total interest expense | $6,608,000 | 1,243 |
| Net interest income | $17,967,000 | 1,120 |
| Provision for loan and lease losses | $1,940,000 | 565 |
| Total noninterest income | $2,486,000 | 1,872 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,180,000 | 1,496 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,306,000 | 1,797 |
| Total noninterest expense | $13,457,000 | 1,216 |
| Salaries and employee benefits | $7,049,000 | 1,244 |
| Premises and equipment expense | $1,784,000 | 1,289 |
| Additional noninterest expense | $4,624,000 | 1,072 |
| Pre-tax net operating income | $5,056,000 | 1,683 |
| Securities gains (losses) | $149,000 | 988 |
| Applicable income taxes | $1,721,000 | 1,441 |
| Income before extraordinary items | $3,484,000 | 1,820 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,484,000 | 1,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,332,000 | 631 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,384,170 | 1,825 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,036,000 | 1,155 |
| Total interest expense | $4,824,000 | 1,254 |
| Net interest income | $13,212,000 | 1,126 |
| Provision for loan and lease losses | $1,370,000 | 576 |
| Total noninterest income | $1,859,000 | 1,888 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $841,000 | 1,566 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,018,000 | 1,750 |
| Total noninterest expense | $10,331,000 | 1,180 |
| Salaries and employee benefits | $5,257,000 | 1,252 |
| Premises and equipment expense | $1,304,000 | 1,317 |
| Additional noninterest expense | $3,770,000 | 992 |
| Pre-tax net operating income | $3,370,000 | 1,861 |
| Securities gains (losses) | $149,000 | 939 |
| Applicable income taxes | $1,081,000 | 1,666 |
| Income before extraordinary items | $2,438,000 | 1,947 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,438,000 | 1,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $889,000 | 623 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,335,190 | 1,956 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,793,000 | 1,168 |
| Total interest expense | $3,201,000 | 1,235 |
| Net interest income | $8,592,000 | 1,151 |
| Provision for loan and lease losses | $835,000 | 610 |
| Total noninterest income | $1,220,000 | 1,896 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $519,000 | 1,685 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $701,000 | 1,714 |
| Total noninterest expense | $7,142,000 | 1,134 |
| Salaries and employee benefits | $3,458,000 | 1,263 |
| Premises and equipment expense | $855,000 | 1,343 |
| Additional noninterest expense | $2,829,000 | 877 |
| Pre-tax net operating income | $1,835,000 | 2,198 |
| Securities gains (losses) | $181,000 | 693 |
| Applicable income taxes | $512,000 | 2,162 |
| Income before extraordinary items | $1,504,000 | 2,066 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,504,000 | 2,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $776,000 | 522 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,368,250 | 2,183 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,735,000 | 1,208 |
| Total interest expense | $1,606,000 | 1,243 |
| Net interest income | $4,129,000 | 1,197 |
| Provision for loan and lease losses | $450,000 | 561 |
| Total noninterest income | $587,000 | 1,920 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $238,000 | 1,794 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $349,000 | 1,690 |
| Total noninterest expense | $3,002,000 | 1,370 |
| Salaries and employee benefits | $1,700,000 | 1,302 |
| Premises and equipment expense | $429,000 | 1,357 |
| Additional noninterest expense | $873,000 | 1,386 |
| Pre-tax net operating income | $1,264,000 | 1,646 |
| Securities gains (losses) | $178,000 | 552 |
| Applicable income taxes | $543,000 | 1,222 |
| Income before extraordinary items | $899,000 | 1,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $899,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $568,000 | 387 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $785,080 | 1,902 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,484,000 | 1,401 |
| Total interest expense | $6,350,000 | 1,396 |
| Net interest income | $14,134,000 | 1,385 |
| Provision for loan and lease losses | $2,114,000 | 615 |
| Total noninterest income | $2,276,000 | 2,110 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $577,000 | 2,782 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,699,000 | 1,650 |
| Total noninterest expense | $9,924,000 | 1,622 |
| Salaries and employee benefits | $5,493,000 | 1,569 |
| Premises and equipment expense | $1,371,000 | 1,657 |
| Additional noninterest expense | $3,060,000 | 1,606 |
| Pre-tax net operating income | $4,372,000 | 1,846 |
| Securities gains (losses) | $20,000 | 3,211 |
| Applicable income taxes | $1,624,000 | 1,506 |
| Income before extraordinary items | $2,768,000 | 2,193 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,768,000 | 2,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $775,000 | 1,125 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,755,200 | 2,103 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,901,000 | 1,470 |
| Total interest expense | $4,662,000 | 1,492 |
| Net interest income | $10,239,000 | 1,438 |
| Provision for loan and lease losses | $1,575,000 | 625 |
| Total noninterest income | $1,436,000 | 2,426 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $354,000 | 3,249 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,082,000 | 1,934 |
| Total noninterest expense | $6,804,000 | 1,762 |
| Salaries and employee benefits | $3,888,000 | 1,673 |
| Premises and equipment expense | $865,000 | 1,977 |
| Additional noninterest expense | $2,051,000 | 1,759 |
| Pre-tax net operating income | $3,296,000 | 1,894 |
| Securities gains (losses) | $20,000 | 2,954 |
| Applicable income taxes | $1,225,000 | 1,590 |
| Income before extraordinary items | $2,091,000 | 2,241 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,091,000 | 2,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $511,000 | 1,146 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,078,200 | 2,144 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,700,000 | 1,524 |
| Total interest expense | $3,117,000 | 1,548 |
| Net interest income | $6,583,000 | 1,485 |
| Provision for loan and lease losses | $1,000,000 | 638 |
| Total noninterest income | $996,000 | 2,366 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $213,000 | 3,472 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $783,000 | 1,816 |
| Total noninterest expense | $4,360,000 | 1,811 |
| Salaries and employee benefits | $2,533,000 | 1,695 |
| Premises and equipment expense | $544,000 | 2,096 |
| Additional noninterest expense | $1,283,000 | 1,871 |
| Pre-tax net operating income | $2,219,000 | 1,868 |
| Securities gains (losses) | $10,000 | 2,948 |
| Applicable income taxes | $823,000 | 1,587 |
| Income before extraordinary items | $1,406,000 | 2,227 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,406,000 | 2,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 1,717 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,399,600 | 2,115 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,734,000 | 1,567 |
| Total interest expense | $1,533,000 | 1,615 |
| Net interest income | $3,201,000 | 1,518 |
| Provision for loan and lease losses | $550,000 | 586 |
| Total noninterest income | $447,000 | 2,488 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $96,000 | 3,642 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $351,000 | 1,895 |
| Total noninterest expense | $2,039,000 | 1,917 |
| Salaries and employee benefits | $1,172,000 | 1,821 |
| Premises and equipment expense | $255,000 | 2,214 |
| Additional noninterest expense | $612,000 | 1,919 |
| Pre-tax net operating income | $1,059,000 | 1,936 |
| Securities gains (losses) | $5,000 | 2,406 |
| Applicable income taxes | $392,000 | 1,651 |
| Income before extraordinary items | $672,000 | 2,280 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $672,000 | 2,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-115,000 | 9,229 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $668,800 | 2,169 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,580,000 | 1,755 |
| Total interest expense | $6,369,000 | 1,790 |
| Net interest income | $11,211,000 | 1,720 |
| Provision for loan and lease losses | $1,525,000 | 934 |
| Total noninterest income | $832,000 | 3,891 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $323,000 | 4,065 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $509,000 | 3,254 |
| Total noninterest expense | $7,932,000 | 1,899 |
| Salaries and employee benefits | $4,527,000 | 1,768 |
| Premises and equipment expense | $979,000 | 2,224 |
| Additional noninterest expense | $2,426,000 | 1,903 |
| Pre-tax net operating income | $2,586,000 | 2,816 |
| Securities gains (losses) | $103,000 | 1,722 |
| Applicable income taxes | $956,000 | 2,284 |
| Income before extraordinary items | $1,733,000 | 3,126 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,733,000 | 3,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $767,000 | 1,200 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,667,080 | 3,125 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,509,000 | 3,177 |
| Total interest expense | $5,303,000 | 2,996 |
| Net interest income | $5,206,000 | 3,328 |
| Provision for loan and lease losses | $1,950,000 | 730 |
| Total noninterest income | $693,000 | 4,217 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $214,000 | 5,012 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $479,000 | 3,205 |
| Total noninterest expense | $5,453,000 | 2,599 |
| Salaries and employee benefits | $2,922,000 | 2,570 |
| Premises and equipment expense | $718,000 | 2,887 |
| Additional noninterest expense | $1,813,000 | 2,455 |
| Pre-tax net operating income | $-1,504,000 | 9,445 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $-1,085,000 | 9,555 |
| Income before extraordinary items | $-416,000 | 9,190 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-416,000 | 9,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 3,033 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-417,920 | 9,152 |
* 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.