Home > State National Bank > Income and Expense
State National Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $109,818,000 | 407 |
| Total interest expense | $28,528,000 | 687 |
| Net interest income | $81,290,000 | 315 |
| Provision for loan and lease losses | $480,000 | 2,381 |
| Total noninterest income | $20,451,000 | 374 |
| Gross Fiduciary activities income | $764,000 | 489 |
| Service charges on deposit accounts | $11,237,000 | 171 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $8,450,000 | 459 |
| Total noninterest expense | $65,024,000 | 314 |
| Salaries and employee benefits | $31,323,000 | 312 |
| Premises and equipment expense | $10,199,000 | 273 |
| Additional noninterest expense | $23,502,000 | 306 |
| Pre-tax net operating income | $36,237,000 | 292 |
| Securities gains (losses) | $28,000 | 991 |
| Applicable income taxes | $11,919,000 | 279 |
| Income before extraordinary items | $24,346,000 | 312 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $24,346,000 | 309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,389,000 | 794 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $24,327,240 | 307 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $82,696,000 | 406 |
| Total interest expense | $20,810,000 | 705 |
| Net interest income | $61,886,000 | 307 |
| Provision for loan and lease losses | $-20,000 | 8,331 |
| Total noninterest income | $14,826,000 | 385 |
| Gross Fiduciary activities income | $569,000 | 489 |
| Service charges on deposit accounts | $8,024,000 | 176 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $6,233,000 | 472 |
| Total noninterest expense | $50,393,000 | 306 |
| Salaries and employee benefits | $24,533,000 | 302 |
| Premises and equipment expense | $7,661,000 | 270 |
| Additional noninterest expense | $18,199,000 | 283 |
| Pre-tax net operating income | $26,339,000 | 331 |
| Securities gains (losses) | $28,000 | 749 |
| Applicable income taxes | $8,700,000 | 322 |
| Income before extraordinary items | $17,667,000 | 346 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $17,667,000 | 344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $887,000 | 703 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $17,648,240 | 341 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $55,632,000 | 412 |
| Total interest expense | $13,437,000 | 733 |
| Net interest income | $42,195,000 | 307 |
| Provision for loan and lease losses | $-20,000 | 8,382 |
| Total noninterest income | $9,707,000 | 409 |
| Gross Fiduciary activities income | $383,000 | 495 |
| Service charges on deposit accounts | $5,286,000 | 181 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $4,038,000 | 500 |
| Total noninterest expense | $33,118,000 | 315 |
| Salaries and employee benefits | $16,201,000 | 315 |
| Premises and equipment expense | $4,991,000 | 282 |
| Additional noninterest expense | $11,926,000 | 299 |
| Pre-tax net operating income | $18,804,000 | 332 |
| Securities gains (losses) | $28,000 | 639 |
| Applicable income taxes | $6,238,000 | 328 |
| Income before extraordinary items | $12,594,000 | 346 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $12,594,000 | 345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $391,000 | 850 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $12,575,240 | 342 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $27,935,000 | 413 |
| Total interest expense | $6,594,000 | 738 |
| Net interest income | $21,341,000 | 304 |
| Provision for loan and lease losses | $360,000 | 682 |
| Total noninterest income | $4,790,000 | 408 |
| Gross Fiduciary activities income | $194,000 | 491 |
| Service charges on deposit accounts | $2,613,000 | 177 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,983,000 | 500 |
| Total noninterest expense | $16,474,000 | 315 |
| Salaries and employee benefits | $8,261,000 | 315 |
| Premises and equipment expense | $2,501,000 | 281 |
| Additional noninterest expense | $5,712,000 | 300 |
| Pre-tax net operating income | $9,297,000 | 338 |
| Securities gains (losses) | $28,000 | 491 |
| Applicable income taxes | $3,089,000 | 332 |
| Income before extraordinary items | $6,236,000 | 356 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $6,236,000 | 355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 770 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $6,217,240 | 350 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $102,873,000 | 409 |
| Total interest expense | $21,574,000 | 778 |
| Net interest income | $81,299,000 | 308 |
| Provision for loan and lease losses | $1,200,000 | 867 |
| Total noninterest income | $19,657,000 | 380 |
| Gross Fiduciary activities income | $752,000 | 479 |
| Service charges on deposit accounts | $11,109,000 | 166 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,796,000 | 486 |
| Total noninterest expense | $59,979,000 | 323 |
| Salaries and employee benefits | $31,218,000 | 314 |
| Premises and equipment expense | $9,936,000 | 262 |
| Additional noninterest expense | $18,825,000 | 341 |
| Pre-tax net operating income | $39,777,000 | 327 |
| Securities gains (losses) | $-79,000 | 8,111 |
| Applicable income taxes | $13,093,000 | 321 |
| Income before extraordinary items | $26,605,000 | 338 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $26,605,000 | 336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,060,000 | 649 |
| Cash dividends | $25,000,000 | 198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $26,657,930 | 333 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $75,535,000 | 426 |
| Total interest expense | $15,127,000 | 815 |
| Net interest income | $60,408,000 | 325 |
| Provision for loan and lease losses | $960,000 | 778 |
| Total noninterest income | $14,667,000 | 396 |
| Gross Fiduciary activities income | $553,000 | 485 |
| Service charges on deposit accounts | $8,385,000 | 170 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,729,000 | 511 |
| Total noninterest expense | $45,121,000 | 339 |
| Salaries and employee benefits | $23,566,000 | 327 |
| Premises and equipment expense | $7,385,000 | 274 |
| Additional noninterest expense | $14,170,000 | 348 |
| Pre-tax net operating income | $28,994,000 | 346 |
| Securities gains (losses) | $-79,000 | 8,329 |
| Applicable income taxes | $9,588,000 | 348 |
| Income before extraordinary items | $19,327,000 | 368 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $19,327,000 | 367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $559,000 | 736 |
| Cash dividends | $10,000,000 | 292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $19,379,930 | 360 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $49,342,000 | 425 |
| Total interest expense | $9,592,000 | 806 |
| Net interest income | $39,750,000 | 331 |
| Provision for loan and lease losses | $800,000 | 644 |
| Total noninterest income | $9,623,000 | 402 |
| Gross Fiduciary activities income | $372,000 | 487 |
| Service charges on deposit accounts | $5,494,000 | 173 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,757,000 | 517 |
| Total noninterest expense | $30,096,000 | 338 |
| Salaries and employee benefits | $15,737,000 | 328 |
| Premises and equipment expense | $4,931,000 | 275 |
| Additional noninterest expense | $9,428,000 | 356 |
| Pre-tax net operating income | $18,477,000 | 356 |
| Securities gains (losses) | $-79,000 | 8,484 |
| Applicable income taxes | $6,126,000 | 359 |
| Income before extraordinary items | $12,272,000 | 381 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $12,272,000 | 380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 901 |
| Cash dividends | $10,000,000 | 223 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $12,324,930 | 374 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $23,976,000 | 428 |
| Total interest expense | $4,571,000 | 803 |
| Net interest income | $19,405,000 | 336 |
| Provision for loan and lease losses | $480,000 | 502 |
| Total noninterest income | $4,677,000 | 406 |
| Gross Fiduciary activities income | $185,000 | 497 |
| Service charges on deposit accounts | $2,695,000 | 168 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,797,000 | 529 |
| Total noninterest expense | $14,967,000 | 335 |
| Salaries and employee benefits | $7,956,000 | 326 |
| Premises and equipment expense | $2,508,000 | 273 |
| Additional noninterest expense | $4,503,000 | 360 |
| Pre-tax net operating income | $8,635,000 | 377 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,893,000 | 371 |
| Income before extraordinary items | $5,742,000 | 391 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,742,000 | 390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $5,000,000 | 202 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $5,742,000 | 386 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $79,043,000 | 450 |
| Total interest expense | $12,016,000 | 928 |
| Net interest income | $67,027,000 | 364 |
| Provision for loan and lease losses | $900,000 | 1,141 |
| Total noninterest income | $18,674,000 | 425 |
| Gross Fiduciary activities income | $666,000 | 503 |
| Service charges on deposit accounts | $10,166,000 | 177 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,842,000 | 500 |
| Total noninterest expense | $55,060,000 | 353 |
| Salaries and employee benefits | $28,711,000 | 333 |
| Premises and equipment expense | $9,018,000 | 292 |
| Additional noninterest expense | $17,331,000 | 378 |
| Pre-tax net operating income | $29,741,000 | 411 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $9,686,000 | 404 |
| Income before extraordinary items | $20,056,000 | 412 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $20,056,000 | 412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,369,000 | 538 |
| Cash dividends | $15,000,000 | 294 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $20,055,330 | 405 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $55,575,000 | 463 |
| Total interest expense | $7,684,000 | 1,022 |
| Net interest income | $47,891,000 | 376 |
| Provision for loan and lease losses | $750,000 | 996 |
| Total noninterest income | $13,744,000 | 429 |
| Gross Fiduciary activities income | $487,000 | 504 |
| Service charges on deposit accounts | $7,416,000 | 179 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,841,000 | 507 |
| Total noninterest expense | $39,569,000 | 368 |
| Salaries and employee benefits | $20,832,000 | 344 |
| Premises and equipment expense | $6,377,000 | 302 |
| Additional noninterest expense | $12,360,000 | 383 |
| Pre-tax net operating income | $21,316,000 | 419 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $7,168,000 | 416 |
| Income before extraordinary items | $14,149,000 | 439 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $14,149,000 | 439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $514,000 | 820 |
| Cash dividends | $10,000,000 | 290 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $14,148,340 | 426 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $35,996,000 | 461 |
| Total interest expense | $4,634,000 | 1,078 |
| Net interest income | $31,362,000 | 379 |
| Provision for loan and lease losses | $600,000 | 816 |
| Total noninterest income | $8,902,000 | 431 |
| Gross Fiduciary activities income | $322,000 | 509 |
| Service charges on deposit accounts | $4,815,000 | 177 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,765,000 | 509 |
| Total noninterest expense | $26,117,000 | 364 |
| Salaries and employee benefits | $13,805,000 | 345 |
| Premises and equipment expense | $4,229,000 | 298 |
| Additional noninterest expense | $8,083,000 | 385 |
| Pre-tax net operating income | $13,547,000 | 430 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $4,630,000 | 427 |
| Income before extraordinary items | $8,918,000 | 451 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $8,918,000 | 451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $445,000 | 656 |
| Cash dividends | $5,000,000 | 335 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $8,917,340 | 437 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $17,428,000 | 460 |
| Total interest expense | $2,029,000 | 1,166 |
| Net interest income | $15,399,000 | 376 |
| Provision for loan and lease losses | $300,000 | 755 |
| Total noninterest income | $4,387,000 | 421 |
| Gross Fiduciary activities income | $158,000 | 523 |
| Service charges on deposit accounts | $2,380,000 | 178 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,849,000 | 497 |
| Total noninterest expense | $12,961,000 | 359 |
| Salaries and employee benefits | $6,815,000 | 345 |
| Premises and equipment expense | $2,125,000 | 298 |
| Additional noninterest expense | $4,021,000 | 381 |
| Pre-tax net operating income | $6,525,000 | 435 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $2,314,000 | 422 |
| Income before extraordinary items | $4,212,000 | 465 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $4,212,000 | 465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 515 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $4,211,350 | 450 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $60,946,000 | 479 |
| Total interest expense | $6,856,000 | 1,193 |
| Net interest income | $54,090,000 | 402 |
| Provision for loan and lease losses | $450,000 | 2,142 |
| Total noninterest income | $15,926,000 | 446 |
| Gross Fiduciary activities income | $582,000 | 519 |
| Service charges on deposit accounts | $9,333,000 | 198 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,011,000 | 579 |
| Total noninterest expense | $46,352,000 | 395 |
| Salaries and employee benefits | $23,783,000 | 383 |
| Premises and equipment expense | $7,622,000 | 313 |
| Additional noninterest expense | $14,947,000 | 400 |
| Pre-tax net operating income | $23,214,000 | 446 |
| Securities gains (losses) | $-26,000 | 8,443 |
| Applicable income taxes | $7,526,000 | 446 |
| Income before extraordinary items | $15,662,000 | 463 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $15,662,000 | 464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,503,000 | 572 |
| Cash dividends | $9,000,000 | 392 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $15,679,680 | 449 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $43,547,000 | 497 |
| Total interest expense | $4,976,000 | 1,208 |
| Net interest income | $38,571,000 | 415 |
| Provision for loan and lease losses | $300,000 | 2,260 |
| Total noninterest income | $11,805,000 | 461 |
| Gross Fiduciary activities income | $427,000 | 526 |
| Service charges on deposit accounts | $6,833,000 | 203 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,545,000 | 585 |
| Total noninterest expense | $33,483,000 | 413 |
| Salaries and employee benefits | $17,109,000 | 403 |
| Premises and equipment expense | $5,627,000 | 317 |
| Additional noninterest expense | $10,747,000 | 415 |
| Pre-tax net operating income | $16,593,000 | 461 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $5,420,000 | 455 |
| Income before extraordinary items | $11,173,000 | 479 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $11,173,000 | 479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 1,444 |
| Cash dividends | $6,000,000 | 392 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $11,173,000 | 464 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $27,545,000 | 508 |
| Total interest expense | $3,138,000 | 1,259 |
| Net interest income | $24,407,000 | 427 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $7,626,000 | 460 |
| Gross Fiduciary activities income | $270,000 | 549 |
| Service charges on deposit accounts | $4,343,000 | 206 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,013,000 | 597 |
| Total noninterest expense | $21,069,000 | 430 |
| Salaries and employee benefits | $10,823,000 | 427 |
| Premises and equipment expense | $3,655,000 | 320 |
| Additional noninterest expense | $6,591,000 | 436 |
| Pre-tax net operating income | $10,964,000 | 456 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $3,723,000 | 454 |
| Income before extraordinary items | $7,241,000 | 489 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $7,241,000 | 489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 1,174 |
| Cash dividends | $3,000,000 | 492 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $7,241,000 | 465 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $13,916,000 | 512 |
| Total interest expense | $1,608,000 | 1,240 |
| Net interest income | $12,308,000 | 428 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $3,823,000 | 461 |
| Gross Fiduciary activities income | $129,000 | 567 |
| Service charges on deposit accounts | $2,145,000 | 207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,549,000 | 579 |
| Total noninterest expense | $10,688,000 | 428 |
| Salaries and employee benefits | $5,460,000 | 433 |
| Premises and equipment expense | $1,894,000 | 321 |
| Additional noninterest expense | $3,334,000 | 425 |
| Pre-tax net operating income | $5,443,000 | 450 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,902,000 | 450 |
| Income before extraordinary items | $3,541,000 | 505 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,541,000 | 504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 8,931 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,541,000 | 474 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $57,110,000 | 501 |
| Total interest expense | $8,531,000 | 1,044 |
| Net interest income | $48,579,000 | 421 |
| Provision for loan and lease losses | $118,000 | 5,079 |
| Total noninterest income | $15,828,000 | 471 |
| Gross Fiduciary activities income | $553,000 | 532 |
| Service charges on deposit accounts | $8,749,000 | 207 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $6,526,000 | 615 |
| Total noninterest expense | $44,502,000 | 417 |
| Salaries and employee benefits | $21,919,000 | 410 |
| Premises and equipment expense | $7,799,000 | 323 |
| Additional noninterest expense | $14,784,000 | 411 |
| Pre-tax net operating income | $19,787,000 | 483 |
| Securities gains (losses) | $79,000 | 2,105 |
| Applicable income taxes | $6,287,000 | 516 |
| Income before extraordinary items | $13,579,000 | 523 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $13,579,000 | 524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,006,000 | 922 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $13,525,280 | 492 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $42,839,000 | 517 |
| Total interest expense | $6,741,000 | 1,035 |
| Net interest income | $36,098,000 | 437 |
| Provision for loan and lease losses | $118,000 | 4,398 |
| Total noninterest income | $12,151,000 | 483 |
| Gross Fiduciary activities income | $422,000 | 529 |
| Service charges on deposit accounts | $6,554,000 | 214 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,175,000 | 620 |
| Total noninterest expense | $33,636,000 | 414 |
| Salaries and employee benefits | $16,563,000 | 419 |
| Premises and equipment expense | $5,843,000 | 330 |
| Additional noninterest expense | $11,230,000 | 420 |
| Pre-tax net operating income | $14,495,000 | 501 |
| Securities gains (losses) | $79,000 | 1,946 |
| Applicable income taxes | $4,761,000 | 529 |
| Income before extraordinary items | $9,813,000 | 555 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $9,813,000 | 554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $454,000 | 1,265 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $9,760,070 | 514 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $28,749,000 | 518 |
| Total interest expense | $4,792,000 | 1,005 |
| Net interest income | $23,957,000 | 443 |
| Provision for loan and lease losses | $118,000 | 3,606 |
| Total noninterest income | $7,955,000 | 483 |
| Gross Fiduciary activities income | $290,000 | 522 |
| Service charges on deposit accounts | $4,326,000 | 214 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,339,000 | 628 |
| Total noninterest expense | $22,420,000 | 417 |
| Salaries and employee benefits | $10,911,000 | 421 |
| Premises and equipment expense | $3,944,000 | 333 |
| Additional noninterest expense | $7,565,000 | 419 |
| Pre-tax net operating income | $9,374,000 | 512 |
| Securities gains (losses) | $11,000 | 2,898 |
| Applicable income taxes | $3,192,000 | 530 |
| Income before extraordinary items | $6,193,000 | 578 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,193,000 | 577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 1,783 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $6,185,740 | 531 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $14,441,000 | 521 |
| Total interest expense | $2,569,000 | 963 |
| Net interest income | $11,872,000 | 449 |
| Provision for loan and lease losses | $118,000 | 2,130 |
| Total noninterest income | $3,766,000 | 507 |
| Gross Fiduciary activities income | $144,000 | 536 |
| Service charges on deposit accounts | $2,032,000 | 230 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,590,000 | 637 |
| Total noninterest expense | $11,757,000 | 401 |
| Salaries and employee benefits | $5,498,000 | 418 |
| Premises and equipment expense | $2,127,000 | 322 |
| Additional noninterest expense | $4,132,000 | 391 |
| Pre-tax net operating income | $3,763,000 | 613 |
| Securities gains (losses) | $11,000 | 2,147 |
| Applicable income taxes | $1,248,000 | 656 |
| Income before extraordinary items | $2,526,000 | 679 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,526,000 | 678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 9,146 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,518,630 | 631 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $31,035,000 | 978 |
| Total interest expense | $8,161,000 | 1,378 |
| Net interest income | $22,874,000 | 845 |
| Provision for loan and lease losses | $-77,000 | 9,248 |
| Total noninterest income | $6,161,000 | 881 |
| Gross Fiduciary activities income | $487,000 | 579 |
| Service charges on deposit accounts | $3,847,000 | 420 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,827,000 | 1,416 |
| Total noninterest expense | $22,897,000 | 707 |
| Salaries and employee benefits | $10,623,000 | 761 |
| Premises and equipment expense | $4,328,000 | 529 |
| Additional noninterest expense | $7,946,000 | 669 |
| Pre-tax net operating income | $6,215,000 | 1,351 |
| Securities gains (losses) | $13,000 | 3,457 |
| Applicable income taxes | $1,732,000 | 1,456 |
| Income before extraordinary items | $4,496,000 | 1,383 |
| Extraordinary gains, net | $-15,642,000 | 9,348 |
| Net income | $-11,146,000 | 9,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 3,119 |
| Cash dividends | $750,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,486,640 | 1,337 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $41,119,000 | 833 |
| Total interest expense | $19,170,000 | 852 |
| Net interest income | $21,949,000 | 805 |
| Provision for loan and lease losses | $10,765,000 | 222 |
| Total noninterest income | $5,451,000 | 915 |
| Gross Fiduciary activities income | $492,000 | 600 |
| Service charges on deposit accounts | $3,506,000 | 428 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,453,000 | 1,566 |
| Total noninterest expense | $25,655,000 | 628 |
| Salaries and employee benefits | $10,623,000 | 708 |
| Premises and equipment expense | $3,726,000 | 591 |
| Additional noninterest expense | $11,306,000 | 526 |
| Pre-tax net operating income | $-9,020,000 | 9,588 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-2,736,000 | 9,585 |
| Income before extraordinary items | $-6,284,000 | 9,579 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-6,284,000 | 9,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,619,000 | 184 |
| Cash dividends | $700,000 | 2,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-6,284,000 | 9,570 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,642,000 | 2,252 |
| Total interest expense | $7,904,000 | 2,164 |
| Net interest income | $7,738,000 | 2,291 |
| Provision for loan and lease losses | $277,000 | 3,024 |
| Total noninterest income | $943,000 | 3,268 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $698,000 | 1,979 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $245,000 | 4,340 |
| Total noninterest expense | $5,771,000 | 2,364 |
| Salaries and employee benefits | $2,824,000 | 2,531 |
| Premises and equipment expense | $799,000 | 2,570 |
| Additional noninterest expense | $2,148,000 | 2,021 |
| Pre-tax net operating income | $2,633,000 | 2,651 |
| Securities gains (losses) | $-8,000 | 8,215 |
| Applicable income taxes | $899,000 | 2,320 |
| Income before extraordinary items | $1,726,000 | 2,896 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,726,000 | 2,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 1,674 |
| Cash dividends | $1,350,000 | 1,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,731,280 | 2,883 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,504,000 | 2,423 |
| Total interest expense | $6,471,000 | 2,279 |
| Net interest income | $7,033,000 | 2,505 |
| Provision for loan and lease losses | $466,000 | 1,876 |
| Total noninterest income | $659,000 | 4,154 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $522,000 | 2,527 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $137,000 | 5,812 |
| Total noninterest expense | $5,446,000 | 2,488 |
| Salaries and employee benefits | $2,730,000 | 2,578 |
| Premises and equipment expense | $739,000 | 2,741 |
| Additional noninterest expense | $1,977,000 | 2,212 |
| Pre-tax net operating income | $1,780,000 | 3,650 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $605,000 | 3,203 |
| Income before extraordinary items | $1,175,000 | 3,943 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,175,000 | 3,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 1,768 |
| Cash dividends | $750,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,175,000 | 3,911 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,295,000 | 2,652 |
| Total interest expense | $6,560,000 | 2,302 |
| Net interest income | $5,735,000 | 3,008 |
| Provision for loan and lease losses | $570,000 | 1,556 |
| Total noninterest income | $461,000 | 5,170 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $353,000 | 3,480 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $108,000 | 6,447 |
| Total noninterest expense | $4,941,000 | 2,654 |
| Salaries and employee benefits | $2,598,000 | 2,606 |
| Premises and equipment expense | $366,000 | 4,735 |
| Additional noninterest expense | $1,977,000 | 2,133 |
| Pre-tax net operating income | $685,000 | 6,541 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $236,000 | 5,775 |
| Income before extraordinary items | $449,000 | 6,922 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $449,000 | 6,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,633 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 324 |
| Net operating income | $449,000 | 6,817 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,671,000 | 3,341 |
| Total interest expense | $5,724,000 | 2,616 |
| Net interest income | $3,947,000 | 4,282 |
| Provision for loan and lease losses | $567,000 | 1,618 |
| Total noninterest income | $852,000 | 3,425 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $238,000 | 4,815 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $614,000 | 2,437 |
| Total noninterest expense | $4,364,000 | 2,908 |
| Salaries and employee benefits | $2,236,000 | 2,963 |
| Premises and equipment expense | $478,000 | 3,864 |
| Additional noninterest expense | $1,650,000 | 2,496 |
| Pre-tax net operating income | $-132,000 | 10,516 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-40,000 | 10,602 |
| Income before extraordinary items | $-92,000 | 10,511 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-92,000 | 10,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,656 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-92,000 | 10,480 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,182,000 | 10,545 |
| Total interest expense | $813,000 | 9,602 |
| Net interest income | $369,000 | 11,147 |
| Provision for loan and lease losses | $440,000 | 1,926 |
| Total noninterest income | $32,000 | 11,112 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $29,000 | 9,402 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,000 | 11,282 |
| Total noninterest expense | $971,000 | 8,767 |
| Salaries and employee benefits | $466,000 | 9,135 |
| Premises and equipment expense | $38,000 | 10,966 |
| Additional noninterest expense | $467,000 | 7,329 |
| Pre-tax net operating income | $-1,010,000 | 11,337 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-343,000 | 11,322 |
| Income before extraordinary items | $-667,000 | 11,309 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-667,000 | 11,309 |
| 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 | $15,000,000 | 43 |
| Net operating income | $-667,000 | 11,283 |
* 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.