Home > Silver State Bank > Income and Expense
Silver State Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $64,797,000 | 339 |
| Total interest expense | $32,388,000 | 284 |
| Net interest income | $32,409,000 | 369 |
| Provision for loan and lease losses | $100,100,000 | 74 |
| Total noninterest income | $3,190,000 | 921 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $523,000 | 1,687 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,667,000 | 671 |
| Total noninterest expense | $41,104,000 | 270 |
| Salaries and employee benefits | $12,527,000 | 408 |
| Premises and equipment expense | $3,359,000 | 420 |
| Additional noninterest expense | $25,218,000 | 193 |
| Pre-tax net operating income | $-105,605,000 | 8,433 |
| Securities gains (losses) | $52,000 | 1,417 |
| Applicable income taxes | $-19,813,000 | 8,415 |
| Income before extraordinary items | $-85,740,000 | 8,422 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-85,740,000 | 8,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,535,000 | 91 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $472,000 | 268 |
| Net operating income | $-85,782,120 | 8,423 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $30,664,000 | 359 |
| Total interest expense | $13,357,000 | 359 |
| Net interest income | $17,307,000 | 345 |
| Provision for loan and lease losses | $29,550,000 | 93 |
| Total noninterest income | $1,596,000 | 924 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $259,000 | 1,670 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,337,000 | 667 |
| Total noninterest expense | $9,681,000 | 514 |
| Salaries and employee benefits | $6,141,000 | 415 |
| Premises and equipment expense | $1,285,000 | 542 |
| Additional noninterest expense | $2,255,000 | 646 |
| Pre-tax net operating income | $-20,328,000 | 8,467 |
| Securities gains (losses) | $52,000 | 1,064 |
| Applicable income taxes | $-7,263,000 | 8,464 |
| Income before extraordinary items | $-13,013,000 | 8,457 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-13,013,000 | 8,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,610,000 | 122 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $214,000 | 203 |
| Net operating income | $-13,046,280 | 8,456 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $123,929,000 | 370 |
| Total interest expense | $48,637,000 | 428 |
| Net interest income | $75,292,000 | 331 |
| Provision for loan and lease losses | $7,725,000 | 302 |
| Total noninterest income | $6,488,000 | 887 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $885,000 | 1,952 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $5,603,000 | 617 |
| Total noninterest expense | $32,716,000 | 572 |
| Salaries and employee benefits | $20,452,000 | 479 |
| Premises and equipment expense | $4,389,000 | 604 |
| Additional noninterest expense | $7,875,000 | 733 |
| Pre-tax net operating income | $41,339,000 | 265 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $14,915,000 | 247 |
| Income before extraordinary items | $26,424,000 | 291 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $26,424,000 | 288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,056,000 | 981 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $900,000 | 451 |
| Net operating income | $26,424,000 | 287 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $90,082,000 | 382 |
| Total interest expense | $34,987,000 | 448 |
| Net interest income | $55,095,000 | 335 |
| Provision for loan and lease losses | $4,625,000 | 266 |
| Total noninterest income | $4,861,000 | 889 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $644,000 | 1,999 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,217,000 | 622 |
| Total noninterest expense | $23,586,000 | 584 |
| Salaries and employee benefits | $14,786,000 | 502 |
| Premises and equipment expense | $3,102,000 | 640 |
| Additional noninterest expense | $5,698,000 | 744 |
| Pre-tax net operating income | $31,745,000 | 286 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $11,749,000 | 263 |
| Income before extraordinary items | $19,996,000 | 312 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $19,996,000 | 310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,933 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $382,000 | 457 |
| Net operating income | $19,996,000 | 311 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $56,239,000 | 411 |
| Total interest expense | $21,863,000 | 484 |
| Net interest income | $34,376,000 | 369 |
| Provision for loan and lease losses | $2,650,000 | 260 |
| Total noninterest income | $3,277,000 | 903 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $415,000 | 2,049 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,862,000 | 629 |
| Total noninterest expense | $15,510,000 | 609 |
| Salaries and employee benefits | $9,850,000 | 519 |
| Premises and equipment expense | $1,954,000 | 702 |
| Additional noninterest expense | $3,706,000 | 773 |
| Pre-tax net operating income | $19,493,000 | 324 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $7,216,000 | 299 |
| Income before extraordinary items | $12,277,000 | 356 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $12,277,000 | 355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,700 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $220,000 | 433 |
| Net operating income | $12,277,000 | 351 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $25,982,000 | 435 |
| Total interest expense | $10,015,000 | 507 |
| Net interest income | $15,967,000 | 390 |
| Provision for loan and lease losses | $1,150,000 | 269 |
| Total noninterest income | $2,073,000 | 734 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $196,000 | 2,086 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,877,000 | 522 |
| Total noninterest expense | $7,509,000 | 628 |
| Salaries and employee benefits | $4,840,000 | 530 |
| Premises and equipment expense | $917,000 | 745 |
| Additional noninterest expense | $1,752,000 | 788 |
| Pre-tax net operating income | $9,381,000 | 336 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $3,472,000 | 308 |
| Income before extraordinary items | $5,909,000 | 372 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $5,909,000 | 371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $101,000 | 345 |
| Net operating income | $5,909,000 | 365 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $86,517,000 | 481 |
| Total interest expense | $28,888,000 | 594 |
| Net interest income | $57,629,000 | 405 |
| Provision for loan and lease losses | $2,650,000 | 429 |
| Total noninterest income | $5,473,000 | 1,022 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $755,000 | 2,226 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,718,000 | 705 |
| Total noninterest expense | $25,275,000 | 705 |
| Salaries and employee benefits | $15,875,000 | 594 |
| Premises and equipment expense | $3,515,000 | 729 |
| Additional noninterest expense | $5,885,000 | 905 |
| Pre-tax net operating income | $35,177,000 | 354 |
| Securities gains (losses) | $-6,000 | 7,127 |
| Applicable income taxes | $12,658,000 | 333 |
| Income before extraordinary items | $22,513,000 | 386 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $22,513,000 | 385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $598,000 | 1,024 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $319,000 | 672 |
| Net operating income | $22,516,840 | 381 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $61,824,000 | 505 |
| Total interest expense | $20,321,000 | 618 |
| Net interest income | $41,503,000 | 433 |
| Provision for loan and lease losses | $2,000,000 | 404 |
| Total noninterest income | $3,909,000 | 1,067 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $504,000 | 2,468 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,405,000 | 738 |
| Total noninterest expense | $18,508,000 | 732 |
| Salaries and employee benefits | $11,859,000 | 613 |
| Premises and equipment expense | $2,522,000 | 771 |
| Additional noninterest expense | $4,127,000 | 963 |
| Pre-tax net operating income | $24,904,000 | 390 |
| Securities gains (losses) | $-17,000 | 7,780 |
| Applicable income taxes | $8,723,000 | 370 |
| Income before extraordinary items | $16,164,000 | 417 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $16,164,000 | 416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 879 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $265,000 | 543 |
| Net operating income | $16,175,050 | 409 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $38,787,000 | 530 |
| Total interest expense | $12,035,000 | 659 |
| Net interest income | $26,752,000 | 450 |
| Provision for loan and lease losses | $1,200,000 | 421 |
| Total noninterest income | $2,304,000 | 1,179 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $343,000 | 2,396 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,961,000 | 836 |
| Total noninterest expense | $12,083,000 | 741 |
| Salaries and employee benefits | $7,756,000 | 635 |
| Premises and equipment expense | $1,514,000 | 844 |
| Additional noninterest expense | $2,813,000 | 954 |
| Pre-tax net operating income | $15,773,000 | 405 |
| Securities gains (losses) | $-3,000 | 7,591 |
| Applicable income taxes | $5,527,000 | 388 |
| Income before extraordinary items | $10,243,000 | 433 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $10,243,000 | 432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 554 |
| Net operating income | $10,244,950 | 423 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $18,304,000 | 539 |
| Total interest expense | $5,550,000 | 667 |
| Net interest income | $12,754,000 | 459 |
| Provision for loan and lease losses | $600,000 | 400 |
| Total noninterest income | $1,371,000 | 1,007 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $149,000 | 2,615 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,222,000 | 694 |
| Total noninterest expense | $6,124,000 | 734 |
| Salaries and employee benefits | $3,956,000 | 623 |
| Premises and equipment expense | $750,000 | 847 |
| Additional noninterest expense | $1,418,000 | 943 |
| Pre-tax net operating income | $7,401,000 | 422 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,592,000 | 405 |
| Income before extraordinary items | $4,809,000 | 451 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,809,000 | 450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,357 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 435 |
| Net operating income | $4,809,000 | 439 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $57,065,000 | 592 |
| Total interest expense | $14,638,000 | 781 |
| Net interest income | $42,427,000 | 521 |
| Provision for loan and lease losses | $2,350,000 | 460 |
| Total noninterest income | $4,826,000 | 1,117 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $941,000 | 1,816 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,885,000 | 817 |
| Total noninterest expense | $19,809,000 | 856 |
| Salaries and employee benefits | $12,878,000 | 701 |
| Premises and equipment expense | $2,865,000 | 827 |
| Additional noninterest expense | $4,066,000 | 1,274 |
| Pre-tax net operating income | $25,094,000 | 456 |
| Securities gains (losses) | $-6,000 | 7,363 |
| Applicable income taxes | $8,669,000 | 434 |
| Income before extraordinary items | $16,419,000 | 482 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $16,419,000 | 482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,546 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,603,000 | 425 |
| Net operating income | $16,422,900 | 470 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $40,604,000 | 603 |
| Total interest expense | $10,150,000 | 792 |
| Net interest income | $30,454,000 | 540 |
| Provision for loan and lease losses | $1,750,000 | 428 |
| Total noninterest income | $3,543,000 | 1,139 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $701,000 | 1,826 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,842,000 | 850 |
| Total noninterest expense | $12,913,000 | 974 |
| Salaries and employee benefits | $7,826,000 | 864 |
| Premises and equipment expense | $2,164,000 | 819 |
| Additional noninterest expense | $2,923,000 | 1,302 |
| Pre-tax net operating income | $19,334,000 | 458 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $6,600,000 | 433 |
| Income before extraordinary items | $12,739,000 | 472 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $12,739,000 | 472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,302 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $12,735,700 | 456 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $25,020,000 | 624 |
| Total interest expense | $6,057,000 | 830 |
| Net interest income | $18,963,000 | 561 |
| Provision for loan and lease losses | $1,100,000 | 458 |
| Total noninterest income | $2,365,000 | 1,121 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $487,000 | 1,724 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,878,000 | 845 |
| Total noninterest expense | $8,375,000 | 994 |
| Salaries and employee benefits | $5,090,000 | 878 |
| Premises and equipment expense | $1,428,000 | 819 |
| Additional noninterest expense | $1,857,000 | 1,343 |
| Pre-tax net operating income | $11,853,000 | 467 |
| Securities gains (losses) | $5,000 | 1,582 |
| Applicable income taxes | $4,050,000 | 456 |
| Income before extraordinary items | $7,808,000 | 491 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,808,000 | 491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 2,130 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $7,804,700 | 476 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $11,855,000 | 637 |
| Total interest expense | $2,820,000 | 844 |
| Net interest income | $9,035,000 | 579 |
| Provision for loan and lease losses | $500,000 | 469 |
| Total noninterest income | $1,195,000 | 1,091 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $282,000 | 1,454 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $913,000 | 849 |
| Total noninterest expense | $4,042,000 | 1,034 |
| Salaries and employee benefits | $2,493,000 | 893 |
| Premises and equipment expense | $671,000 | 877 |
| Additional noninterest expense | $878,000 | 1,419 |
| Pre-tax net operating income | $5,688,000 | 479 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,940,000 | 473 |
| Income before extraordinary items | $3,748,000 | 509 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,748,000 | 509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,325 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,748,000 | 491 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $33,873,000 | 816 |
| Total interest expense | $7,450,000 | 1,086 |
| Net interest income | $26,423,000 | 738 |
| Provision for loan and lease losses | $1,750,000 | 618 |
| Total noninterest income | $4,542,000 | 1,162 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,078,000 | 1,628 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,464,000 | 886 |
| Total noninterest expense | $15,106,000 | 1,072 |
| Salaries and employee benefits | $8,774,000 | 971 |
| Premises and equipment expense | $2,632,000 | 849 |
| Additional noninterest expense | $3,700,000 | 1,350 |
| Pre-tax net operating income | $14,109,000 | 646 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $4,840,000 | 614 |
| Income before extraordinary items | $9,269,000 | 724 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $9,269,000 | 725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $467,000 | 1,418 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $9,269,000 | 696 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $23,514,000 | 878 |
| Total interest expense | $5,425,000 | 1,099 |
| Net interest income | $18,089,000 | 820 |
| Provision for loan and lease losses | $1,300,000 | 602 |
| Total noninterest income | $3,157,000 | 1,253 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $802,000 | 1,647 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,355,000 | 958 |
| Total noninterest expense | $10,850,000 | 1,122 |
| Salaries and employee benefits | $6,097,000 | 1,056 |
| Premises and equipment expense | $1,965,000 | 854 |
| Additional noninterest expense | $2,788,000 | 1,330 |
| Pre-tax net operating income | $9,096,000 | 740 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $3,107,000 | 700 |
| Income before extraordinary items | $5,989,000 | 842 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,989,000 | 843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $425,000 | 1,110 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,989,000 | 803 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,999,000 | 911 |
| Total interest expense | $3,720,000 | 1,049 |
| Net interest income | $11,279,000 | 865 |
| Provision for loan and lease losses | $850,000 | 596 |
| Total noninterest income | $1,717,000 | 1,448 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $533,000 | 1,641 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,184,000 | 1,184 |
| Total noninterest expense | $7,241,000 | 1,112 |
| Salaries and employee benefits | $4,104,000 | 1,044 |
| Premises and equipment expense | $1,277,000 | 876 |
| Additional noninterest expense | $1,860,000 | 1,309 |
| Pre-tax net operating income | $4,905,000 | 891 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,692,000 | 829 |
| Income before extraordinary items | $3,213,000 | 1,027 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,213,000 | 1,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 1,224 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,213,000 | 983 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,128,000 | 973 |
| Total interest expense | $1,885,000 | 1,052 |
| Net interest income | $5,243,000 | 942 |
| Provision for loan and lease losses | $400,000 | 623 |
| Total noninterest income | $803,000 | 1,489 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $267,000 | 1,598 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $536,000 | 1,232 |
| Total noninterest expense | $3,689,000 | 1,101 |
| Salaries and employee benefits | $1,921,000 | 1,138 |
| Premises and equipment expense | $647,000 | 883 |
| Additional noninterest expense | $1,121,000 | 1,089 |
| Pre-tax net operating income | $1,957,000 | 1,089 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $667,000 | 1,024 |
| Income before extraordinary items | $1,290,000 | 1,257 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,290,000 | 1,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 808 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,290,000 | 1,189 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $25,953,000 | 1,093 |
| Total interest expense | $7,560,000 | 1,182 |
| Net interest income | $18,393,000 | 1,045 |
| Provision for loan and lease losses | $2,325,000 | 581 |
| Total noninterest income | $3,450,000 | 1,511 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $820,000 | 2,084 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,630,000 | 1,186 |
| Total noninterest expense | $12,714,000 | 1,272 |
| Salaries and employee benefits | $7,155,000 | 1,194 |
| Premises and equipment expense | $2,578,000 | 868 |
| Additional noninterest expense | $2,981,000 | 1,638 |
| Pre-tax net operating income | $6,804,000 | 1,228 |
| Securities gains (losses) | $238,000 | 1,221 |
| Applicable income taxes | $2,418,000 | 1,104 |
| Income before extraordinary items | $4,624,000 | 1,371 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,624,000 | 1,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,103,000 | 853 |
| Cash dividends | $650,000 | 3,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,466,920 | 1,349 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $18,782,000 | 1,156 |
| Total interest expense | $5,698,000 | 1,223 |
| Net interest income | $13,084,000 | 1,126 |
| Provision for loan and lease losses | $1,525,000 | 638 |
| Total noninterest income | $2,258,000 | 1,725 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $585,000 | 2,180 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,673,000 | 1,415 |
| Total noninterest expense | $9,327,000 | 1,315 |
| Salaries and employee benefits | $5,205,000 | 1,249 |
| Premises and equipment expense | $1,941,000 | 884 |
| Additional noninterest expense | $2,181,000 | 1,666 |
| Pre-tax net operating income | $4,490,000 | 1,432 |
| Securities gains (losses) | $238,000 | 1,123 |
| Applicable income taxes | $1,606,000 | 1,267 |
| Income before extraordinary items | $3,122,000 | 1,549 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,122,000 | 1,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $556,000 | 1,076 |
| Cash dividends | $650,000 | 2,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,964,920 | 1,554 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,053,000 | 1,224 |
| Total interest expense | $3,874,000 | 1,235 |
| Net interest income | $8,179,000 | 1,194 |
| Provision for loan and lease losses | $1,050,000 | 614 |
| Total noninterest income | $1,419,000 | 1,798 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $352,000 | 2,334 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,067,000 | 1,450 |
| Total noninterest expense | $6,264,000 | 1,301 |
| Salaries and employee benefits | $3,446,000 | 1,250 |
| Premises and equipment expense | $1,342,000 | 847 |
| Additional noninterest expense | $1,476,000 | 1,646 |
| Pre-tax net operating income | $2,284,000 | 1,823 |
| Securities gains (losses) | $235,000 | 947 |
| Applicable income taxes | $864,000 | 1,518 |
| Income before extraordinary items | $1,655,000 | 1,926 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,655,000 | 1,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $521,000 | 823 |
| Cash dividends | $650,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,499,900 | 1,998 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,775,000 | 1,280 |
| Total interest expense | $1,935,000 | 1,264 |
| Net interest income | $3,840,000 | 1,273 |
| Provision for loan and lease losses | $490,000 | 630 |
| Total noninterest income | $677,000 | 1,825 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $147,000 | 2,616 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $530,000 | 1,426 |
| Total noninterest expense | $3,162,000 | 1,282 |
| Salaries and employee benefits | $1,738,000 | 1,228 |
| Premises and equipment expense | $695,000 | 835 |
| Additional noninterest expense | $729,000 | 1,619 |
| Pre-tax net operating income | $865,000 | 2,316 |
| Securities gains (losses) | $68,000 | 1,210 |
| Applicable income taxes | $314,000 | 1,988 |
| Income before extraordinary items | $619,000 | 2,464 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $619,000 | 2,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 758 |
| Cash dividends | $650,000 | 977 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $574,120 | 2,499 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,082,000 | 1,459 |
| Total interest expense | $7,705,000 | 1,466 |
| Net interest income | $13,377,000 | 1,462 |
| Provision for loan and lease losses | $1,266,000 | 1,079 |
| Total noninterest income | $2,701,000 | 1,686 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $594,000 | 2,590 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,107,000 | 1,264 |
| Total noninterest expense | $11,214,000 | 1,371 |
| Salaries and employee benefits | $6,042,000 | 1,344 |
| Premises and equipment expense | $2,369,000 | 922 |
| Additional noninterest expense | $2,803,000 | 1,672 |
| Pre-tax net operating income | $3,598,000 | 2,163 |
| Securities gains (losses) | $286,000 | 924 |
| Applicable income taxes | $1,312,000 | 1,831 |
| Income before extraordinary items | $2,572,000 | 2,293 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,572,000 | 2,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,979 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,383,240 | 2,364 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,764,000 | 1,553 |
| Total interest expense | $10,551,000 | 1,542 |
| Net interest income | $11,213,000 | 1,584 |
| Provision for loan and lease losses | $463,000 | 2,348 |
| Total noninterest income | $1,706,000 | 2,287 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $436,000 | 3,178 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,270,000 | 1,730 |
| Total noninterest expense | $10,330,000 | 1,417 |
| Salaries and employee benefits | $5,762,000 | 1,286 |
| Premises and equipment expense | $2,029,000 | 1,035 |
| Additional noninterest expense | $2,539,000 | 1,806 |
| Pre-tax net operating income | $2,126,000 | 3,031 |
| Securities gains (losses) | $832,000 | 451 |
| Applicable income taxes | $966,000 | 2,124 |
| Income before extraordinary items | $1,992,000 | 2,548 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,992,000 | 2,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 1,567 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,434,560 | 3,237 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,009,000 | 1,642 |
| Total interest expense | $9,977,000 | 1,724 |
| Net interest income | $11,032,000 | 1,587 |
| Provision for loan and lease losses | $1,253,000 | 882 |
| Total noninterest income | $1,208,000 | 2,746 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $403,000 | 3,219 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $805,000 | 2,143 |
| Total noninterest expense | $7,513,000 | 1,853 |
| Salaries and employee benefits | $3,981,000 | 1,805 |
| Premises and equipment expense | $1,393,000 | 1,497 |
| Additional noninterest expense | $2,139,000 | 2,028 |
| Pre-tax net operating income | $3,474,000 | 2,101 |
| Securities gains (losses) | $-7,000 | 8,117 |
| Applicable income taxes | $1,159,000 | 1,874 |
| Income before extraordinary items | $2,308,000 | 2,231 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,308,000 | 2,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $654,000 | 1,020 |
| Cash dividends | $100,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,312,690 | 2,237 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,792,000 | 2,205 |
| Total interest expense | $7,238,000 | 2,066 |
| Net interest income | $7,554,000 | 2,334 |
| Provision for loan and lease losses | $951,000 | 1,021 |
| Total noninterest income | $734,000 | 3,849 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $200,000 | 5,121 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $534,000 | 2,838 |
| Total noninterest expense | $5,226,000 | 2,589 |
| Salaries and employee benefits | $2,822,000 | 2,485 |
| Premises and equipment expense | $836,000 | 2,420 |
| Additional noninterest expense | $1,568,000 | 2,761 |
| Pre-tax net operating income | $2,111,000 | 3,196 |
| Securities gains (losses) | $-82,000 | 9,914 |
| Applicable income taxes | $665,000 | 3,004 |
| Income before extraordinary items | $1,364,000 | 3,495 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,364,000 | 3,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,019,000 | 700 |
| Cash dividends | $75,000 | 6,338 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 982 |
| Net operating income | $1,418,940 | 3,349 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,984,000 | 2,938 |
| Total interest expense | $5,356,000 | 2,808 |
| Net interest income | $5,628,000 | 3,056 |
| Provision for loan and lease losses | $1,048,000 | 935 |
| Total noninterest income | $249,000 | 7,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 7,039 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,537 |
| Total noninterest expense | $3,277,000 | 3,816 |
| Salaries and employee benefits | $1,603,000 | 4,035 |
| Premises and equipment expense | $476,000 | 3,831 |
| Additional noninterest expense | $1,198,000 | 3,379 |
| Pre-tax net operating income | $1,552,000 | 4,070 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $497,000 | 3,850 |
| Income before extraordinary items | $1,055,000 | 4,315 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,055,000 | 4,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 1,853 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $4,914,000 | 243 |
| Net operating income | $1,055,000 | 4,222 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,654,000 | 7,005 |
| Total interest expense | $1,552,000 | 7,229 |
| Net interest income | $2,102,000 | 6,711 |
| Provision for loan and lease losses | $964,000 | 1,014 |
| Total noninterest income | $74,000 | 9,870 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,983 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,520 |
| Total noninterest expense | $1,825,000 | 6,023 |
| Salaries and employee benefits | $855,000 | 6,514 |
| Premises and equipment expense | $260,000 | 5,919 |
| Additional noninterest expense | $710,000 | 5,163 |
| Pre-tax net operating income | $-613,000 | 10,775 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-285,000 | 10,820 |
| Income before extraordinary items | $-328,000 | 10,689 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-328,000 | 10,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $5,577,000 | 182 |
| Net operating income | $-328,000 | 10,669 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $319,000 | 11,338 |
| Total interest expense | $61,000 | 11,356 |
| Net interest income | $258,000 | 11,276 |
| Provision for loan and lease losses | $106,000 | 4,950 |
| Total noninterest income | $5,000 | 11,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 9,845 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 11,319 |
| Total noninterest expense | $563,000 | 10,344 |
| Salaries and employee benefits | $219,000 | 10,907 |
| Premises and equipment expense | $78,000 | 9,872 |
| Additional noninterest expense | $266,000 | 9,226 |
| Pre-tax net operating income | $-406,000 | 11,201 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-406,000 | 11,233 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-406,000 | 11,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $4,665,000 | 161 |
| Net operating income | $-406,000 | 11,205 |
* 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.