Home > Texas State Bank > Income and Expense

Texas State Bank, Income and Expense

2007-12-31 (YTD Data)		Rank
Total interest income	$482,397,000	131
Total interest expense	$217,202,000	139
Net interest income	$265,195,000	118
Provision for loan and lease losses	$22,571,000	143
Total noninterest income	$79,554,000	144
Gross Fiduciary activities income	$8,881,000	112
Service charges on deposit accounts	$40,425,000	65
Trading account gains and fees	$0	178
Additional Noninterest Income	$30,248,000	191
Total noninterest expense	$193,870,000	132
Salaries and employee benefits	$100,439,000	116
Premises and equipment expense	$29,094,000	110
Additional noninterest expense	$64,337,000	149
Pre-tax net operating income	$128,308,000	109
Securities gains (losses)	$31,000	956
Applicable income taxes	$42,359,000	109
Income before extraordinary items	$85,980,000	114
Extraordinary gains, net	$0	39
Net income	$85,980,000	113
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,361,000	134
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$85,959,230	115
2007-09-30 (YTD Data)		Rank
Total interest income	$368,086,000	127
Total interest expense	$164,579,000	135
Net interest income	$203,507,000	117
Provision for loan and lease losses	$13,107,000	132
Total noninterest income	$59,559,000	147
Gross Fiduciary activities income	$6,586,000	111
Service charges on deposit accounts	$29,158,000	64
Trading account gains and fees	$0	184
Additional Noninterest Income	$23,815,000	190
Total noninterest expense	$149,171,000	131
Salaries and employee benefits	$78,103,000	116
Premises and equipment expense	$21,936,000	112
Additional noninterest expense	$49,132,000	141
Pre-tax net operating income	$100,788,000	125
Securities gains (losses)	$0	1,655
Applicable income taxes	$34,016,000	119
Income before extraordinary items	$66,772,000	126
Extraordinary gains, net	$0	33
Net income	$66,772,000	125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,212,000	148
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$66,772,000	123
2007-06-30 (YTD Data)		Rank
Total interest income	$245,145,000	141
Total interest expense	$108,243,000	150
Net interest income	$136,902,000	126
Provision for loan and lease losses	$8,888,000	114
Total noninterest income	$40,464,000	155
Gross Fiduciary activities income	$4,367,000	118
Service charges on deposit accounts	$19,019,000	69
Trading account gains and fees	$0	168
Additional Noninterest Income	$17,078,000	200
Total noninterest expense	$99,245,000	143
Salaries and employee benefits	$52,574,000	124
Premises and equipment expense	$14,294,000	123
Additional noninterest expense	$32,377,000	152
Pre-tax net operating income	$69,233,000	138
Securities gains (losses)	$0	1,444
Applicable income taxes	$23,195,000	136
Income before extraordinary items	$46,038,000	139
Extraordinary gains, net	$0	29
Net income	$46,038,000	139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,141,000	165
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$46,038,000	137
2007-03-31 (YTD Data)		Rank
Total interest income	$121,809,000	140
Total interest expense	$52,651,000	149
Net interest income	$69,158,000	126
Provision for loan and lease losses	$3,895,000	113
Total noninterest income	$20,095,000	150
Gross Fiduciary activities income	$2,140,000	116
Service charges on deposit accounts	$9,311,000	68
Trading account gains and fees	$0	195
Additional Noninterest Income	$8,644,000	197
Total noninterest expense	$48,837,000	145
Salaries and employee benefits	$26,039,000	125
Premises and equipment expense	$7,020,000	124
Additional noninterest expense	$15,778,000	151
Pre-tax net operating income	$36,521,000	128
Securities gains (losses)	$0	1,187
Applicable income taxes	$12,233,000	129
Income before extraordinary items	$24,288,000	130
Extraordinary gains, net	$0	22
Net income	$24,288,000	130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,207,000	207
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$24,288,000	129
2006-12-31 (YTD Data)		Rank
Total interest income	$69,009,000	583
Total interest expense	$28,213,000	607
Net interest income	$40,796,000	567
Provision for loan and lease losses	$3,941,000	303
Total noninterest income	$11,126,000	566
Gross Fiduciary activities income	$1,160,000	361
Service charges on deposit accounts	$5,315,000	337
Trading account gains and fees	$0	130
Additional Noninterest Income	$4,651,000	712
Total noninterest expense	$25,662,000	697
Salaries and employee benefits	$13,165,000	708
Premises and equipment expense	$3,920,000	665
Additional noninterest expense	$8,577,000	636
Pre-tax net operating income	$22,319,000	498
Securities gains (losses)	$0	1,687
Applicable income taxes	$7,555,000	471
Income before extraordinary items	$14,764,000	533
Extraordinary gains, net	$0	51
Net income	$14,764,000	531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,585,000	474
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$2,152,496,000	1
Net operating income	$14,764,000	524
2006-09-30 (YTD Data)		Rank
Total interest income	$322,639,000	150
Total interest expense	$130,586,000	156
Net interest income	$192,053,000	138
Provision for loan and lease losses	$35,073,000	58
Total noninterest income	$59,240,000	164
Gross Fiduciary activities income	$5,959,000	119
Service charges on deposit accounts	$28,465,000	71
Trading account gains and fees	$0	126
Additional Noninterest Income	$24,816,000	200
Total noninterest expense	$127,827,000	154
Salaries and employee benefits	$68,669,000	137
Premises and equipment expense	$22,198,000	116
Additional noninterest expense	$36,960,000	178
Pre-tax net operating income	$88,393,000	160
Securities gains (losses)	$-97,000	8,395
Applicable income taxes	$29,107,000	161
Income before extraordinary items	$59,189,000	163
Extraordinary gains, net	$0	45
Net income	$59,189,000	163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,513,000	67
Cash dividends	$23,839,000	173
Sale, conversion, retirement of capital stock, net	$749,000	404
Net operating income	$59,253,990	158
2006-06-30 (YTD Data)		Rank
Total interest income	$207,620,000	154
Total interest expense	$80,935,000	162
Net interest income	$126,685,000	142
Provision for loan and lease losses	$21,620,000	59
Total noninterest income	$38,920,000	167
Gross Fiduciary activities income	$3,872,000	127
Service charges on deposit accounts	$18,403,000	75
Trading account gains and fees	$0	126
Additional Noninterest Income	$16,645,000	204
Total noninterest expense	$83,123,000	158
Salaries and employee benefits	$44,897,000	139
Premises and equipment expense	$14,500,000	118
Additional noninterest expense	$23,726,000	184
Pre-tax net operating income	$60,862,000	156
Securities gains (losses)	$-97,000	8,535
Applicable income taxes	$20,178,000	158
Income before extraordinary items	$40,587,000	161
Extraordinary gains, net	$0	39
Net income	$40,587,000	162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,551,000	56
Cash dividends	$16,139,000	169
Sale, conversion, retirement of capital stock, net	$749,000	288
Net operating income	$40,651,990	157
2006-03-31 (YTD Data)		Rank
Total interest income	$100,414,000	157
Total interest expense	$37,851,000	163
Net interest income	$62,563,000	141
Provision for loan and lease losses	$4,871,000	88
Total noninterest income	$19,099,000	169
Gross Fiduciary activities income	$1,928,000	123
Service charges on deposit accounts	$8,670,000	75
Trading account gains and fees	$0	115
Additional Noninterest Income	$8,501,000	202
Total noninterest expense	$40,316,000	164
Salaries and employee benefits	$21,953,000	140
Premises and equipment expense	$7,145,000	122
Additional noninterest expense	$11,218,000	193
Pre-tax net operating income	$36,475,000	141
Securities gains (losses)	$-97,000	8,656
Applicable income taxes	$12,263,000	141
Income before extraordinary items	$24,115,000	147
Extraordinary gains, net	$0	21
Net income	$24,115,000	148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,885,000	101
Cash dividends	$8,439,000	149
Sale, conversion, retirement of capital stock, net	$749,000	156
Net operating income	$24,179,020	144
2005-12-31 (YTD Data)		Rank
Total interest income	$355,326,000	151
Total interest expense	$114,190,000	162
Net interest income	$241,136,000	138
Provision for loan and lease losses	$26,072,000	81
Total noninterest income	$79,797,000	168
Gross Fiduciary activities income	$7,577,000	122
Service charges on deposit accounts	$36,473,000	74
Trading account gains and fees	$0	138
Additional Noninterest Income	$35,747,000	198
Total noninterest expense	$156,051,000	159
Salaries and employee benefits	$83,074,000	142
Premises and equipment expense	$27,159,000	123
Additional noninterest expense	$45,818,000	199
Pre-tax net operating income	$138,810,000	144
Securities gains (losses)	$795,000	218
Applicable income taxes	$47,547,000	145
Income before extraordinary items	$92,058,000	148
Extraordinary gains, net	$0	46
Net income	$92,058,000	148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,592,000	87
Cash dividends	$23,000,000	214
Sale, conversion, retirement of capital stock, net	$-739,000	8,808
Net operating income	$91,533,300	145
2005-09-30 (YTD Data)		Rank
Total interest income	$258,371,000	151
Total interest expense	$79,861,000	163
Net interest income	$178,510,000	140
Provision for loan and lease losses	$19,927,000	81
Total noninterest income	$61,952,000	170
Gross Fiduciary activities income	$5,683,000	118
Service charges on deposit accounts	$27,997,000	75
Trading account gains and fees	$0	126
Additional Noninterest Income	$28,272,000	200
Total noninterest expense	$117,269,000	163
Salaries and employee benefits	$62,397,000	143
Premises and equipment expense	$20,714,000	123
Additional noninterest expense	$34,158,000	202
Pre-tax net operating income	$103,266,000	146
Securities gains (losses)	$795,000	202
Applicable income taxes	$35,790,000	148
Income before extraordinary items	$68,271,000	148
Extraordinary gains, net	$0	35
Net income	$68,271,000	148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,107,000	92
Cash dividends	$17,000,000	206
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$67,746,300	145
2005-06-30 (YTD Data)		Rank
Total interest income	$167,291,000	152
Total interest expense	$48,975,000	161
Net interest income	$118,316,000	138
Provision for loan and lease losses	$11,208,000	82
Total noninterest income	$42,859,000	162
Gross Fiduciary activities income	$3,775,000	117
Service charges on deposit accounts	$18,191,000	75
Trading account gains and fees	$0	116
Additional Noninterest Income	$20,893,000	189
Total noninterest expense	$77,707,000	162
Salaries and employee benefits	$41,087,000	144
Premises and equipment expense	$13,767,000	122
Additional noninterest expense	$22,853,000	197
Pre-tax net operating income	$72,260,000	139
Securities gains (losses)	$321,000	325
Applicable income taxes	$25,168,000	142
Income before extraordinary items	$47,413,000	146
Extraordinary gains, net	$0	30
Net income	$47,413,000	146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,733,000	94
Cash dividends	$11,000,000	188
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$47,204,350	143
2005-03-31 (YTD Data)		Rank
Total interest income	$80,976,000	151
Total interest expense	$22,249,000	163
Net interest income	$58,727,000	137
Provision for loan and lease losses	$5,408,000	82
Total noninterest income	$23,696,000	153
Gross Fiduciary activities income	$1,854,000	123
Service charges on deposit accounts	$8,839,000	76
Trading account gains and fees	$0	115
Additional Noninterest Income	$13,003,000	169
Total noninterest expense	$39,848,000	165
Salaries and employee benefits	$22,072,000	141
Premises and equipment expense	$7,208,000	120
Additional noninterest expense	$10,568,000	201
Pre-tax net operating income	$37,167,000	140
Securities gains (losses)	$-2,000	8,244
Applicable income taxes	$12,556,000	140
Income before extraordinary items	$24,609,000	145
Extraordinary gains, net	$0	24
Net income	$24,609,000	146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,642,000	96
Cash dividends	$5,000,000	174
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$24,610,320	138
2004-12-31 (YTD Data)		Rank
Total interest income	$272,058,000	164
Total interest expense	$64,518,000	174
Net interest income	$207,540,000	148
Provision for loan and lease losses	$20,583,000	101
Total noninterest income	$64,842,000	191
Gross Fiduciary activities income	$5,746,000	140
Service charges on deposit accounts	$37,595,000	77
Trading account gains and fees	$0	138
Additional Noninterest Income	$21,501,000	281
Total noninterest expense	$139,321,000	181
Salaries and employee benefits	$72,159,000	154
Premises and equipment expense	$26,586,000	125
Additional noninterest expense	$40,576,000	213
Pre-tax net operating income	$112,478,000	149
Securities gains (losses)	$5,855,000	101
Applicable income taxes	$39,351,000	153
Income before extraordinary items	$78,982,000	154
Extraordinary gains, net	$0	34
Net income	$78,982,000	154
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,588,000	118
Cash dividends	$87,000,000	91
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$75,059,150	152
2004-09-30 (YTD Data)		Rank
Total interest income	$196,126,000	165
Total interest expense	$45,166,000	183
Net interest income	$150,960,000	151
Provision for loan and lease losses	$14,814,000	109
Total noninterest income	$46,679,000	200
Gross Fiduciary activities income	$3,877,000	148
Service charges on deposit accounts	$27,427,000	84
Trading account gains and fees	$0	134
Additional Noninterest Income	$15,375,000	293
Total noninterest expense	$101,559,000	188
Salaries and employee benefits	$52,235,000	162
Premises and equipment expense	$19,393,000	131
Additional noninterest expense	$29,931,000	219
Pre-tax net operating income	$81,266,000	156
Securities gains (losses)	$4,845,000	106
Applicable income taxes	$28,606,000	158
Income before extraordinary items	$57,505,000	156
Extraordinary gains, net	$0	26
Net income	$57,505,000	157
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,690,000	125
Cash dividends	$82,000,000	78
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$54,258,850	153
2004-06-30 (YTD Data)		Rank
Total interest income	$124,569,000	168
Total interest expense	$28,354,000	186
Net interest income	$96,215,000	157
Provision for loan and lease losses	$8,617,000	119
Total noninterest income	$29,782,000	204
Gross Fiduciary activities income	$2,191,000	169
Service charges on deposit accounts	$17,227,000	87
Trading account gains and fees	$0	130
Additional Noninterest Income	$10,364,000	290
Total noninterest expense	$64,102,000	191
Salaries and employee benefits	$32,506,000	167
Premises and equipment expense	$12,403,000	136
Additional noninterest expense	$19,193,000	214
Pre-tax net operating income	$53,278,000	163
Securities gains (losses)	$1,882,000	153
Applicable income taxes	$18,128,000	163
Income before extraordinary items	$37,032,000	162
Extraordinary gains, net	$0	21
Net income	$37,032,000	163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,690,000	136
Cash dividends	$77,000,000	67
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$35,771,060	161
2004-03-31 (YTD Data)		Rank
Total interest income	$56,929,000	175
Total interest expense	$13,295,000	198
Net interest income	$43,634,000	167
Provision for loan and lease losses	$3,924,000	127
Total noninterest income	$13,077,000	215
Gross Fiduciary activities income	$727,000	210
Service charges on deposit accounts	$7,108,000	94
Trading account gains and fees	$0	121
Additional Noninterest Income	$5,242,000	274
Total noninterest expense	$26,790,000	212
Salaries and employee benefits	$13,690,000	192
Premises and equipment expense	$5,312,000	152
Additional noninterest expense	$7,788,000	243
Pre-tax net operating income	$25,997,000	156
Securities gains (losses)	$499,000	260
Applicable income taxes	$8,877,000	161
Income before extraordinary items	$17,619,000	164
Extraordinary gains, net	$0	16
Net income	$17,619,000	164
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,859,000	147
Cash dividends	$69,000,000	41
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$17,289,660	154
2003-12-31 (YTD Data)		Rank
Total interest income	$208,777,000	187
Total interest expense	$59,001,000	194
Net interest income	$149,776,000	178
Provision for loan and lease losses	$13,155,000	162
Total noninterest income	$39,955,000	259
Gross Fiduciary activities income	$2,870,000	208
Service charges on deposit accounts	$24,346,000	104
Trading account gains and fees	$0	160
Additional Noninterest Income	$12,739,000	375
Total noninterest expense	$91,786,000	233
Salaries and employee benefits	$47,582,000	206
Premises and equipment expense	$17,319,000	169
Additional noninterest expense	$26,885,000	273
Pre-tax net operating income	$84,790,000	172
Securities gains (losses)	$10,840,000	105
Applicable income taxes	$31,994,000	168
Income before extraordinary items	$63,636,000	164
Extraordinary gains, net	$0	54
Net income	$63,636,000	165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,265,000	174
Cash dividends	$13,700,000	304
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$56,373,200	171
2003-09-30 (YTD Data)		Rank
Total interest income	$155,240,000	192
Total interest expense	$45,728,000	197
Net interest income	$109,512,000	184
Provision for loan and lease losses	$9,971,000	177
Total noninterest income	$30,054,000	260
Gross Fiduciary activities income	$2,129,000	218
Service charges on deposit accounts	$17,572,000	110
Trading account gains and fees	$0	153
Additional Noninterest Income	$10,353,000	381
Total noninterest expense	$68,028,000	237
Salaries and employee benefits	$35,174,000	211
Premises and equipment expense	$13,032,000	169
Additional noninterest expense	$19,822,000	280
Pre-tax net operating income	$61,567,000	180
Securities gains (losses)	$9,653,000	104
Applicable income taxes	$23,831,000	174
Income before extraordinary items	$47,389,000	172
Extraordinary gains, net	$0	40
Net income	$47,389,000	173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,391,000	176
Cash dividends	$10,200,000	297
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$40,921,490	181
2003-06-30 (YTD Data)		Rank
Total interest income	$104,004,000	195
Total interest expense	$31,954,000	198
Net interest income	$72,050,000	189
Provision for loan and lease losses	$6,119,000	186
Total noninterest income	$19,665,000	263
Gross Fiduciary activities income	$1,419,000	228
Service charges on deposit accounts	$10,970,000	114
Trading account gains and fees	$0	150
Additional Noninterest Income	$7,276,000	367
Total noninterest expense	$44,723,000	239
Salaries and employee benefits	$23,220,000	212
Premises and equipment expense	$8,287,000	176
Additional noninterest expense	$13,216,000	278
Pre-tax net operating income	$40,873,000	177
Securities gains (losses)	$6,612,000	118
Applicable income taxes	$15,988,000	173
Income before extraordinary items	$31,497,000	179
Extraordinary gains, net	$0	30
Net income	$31,497,000	179
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,097,000	183
Cash dividends	$6,700,000	268
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$27,133,080	174
2003-03-31 (YTD Data)		Rank
Total interest income	$51,986,000	199
Total interest expense	$16,221,000	204
Net interest income	$35,765,000	192
Provision for loan and lease losses	$3,691,000	168
Total noninterest income	$10,596,000	254
Gross Fiduciary activities income	$675,000	236
Service charges on deposit accounts	$5,350,000	119
Trading account gains and fees	$0	134
Additional Noninterest Income	$4,571,000	334
Total noninterest expense	$21,140,000	250
Salaries and employee benefits	$10,849,000	222
Premises and equipment expense	$3,899,000	187
Additional noninterest expense	$6,392,000	283
Pre-tax net operating income	$21,530,000	169
Securities gains (losses)	$1,754,000	161
Applicable income taxes	$7,573,000	181
Income before extraordinary items	$15,711,000	173
Extraordinary gains, net	$0	21
Net income	$15,711,000	173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,882,000	168
Cash dividends	$3,200,000	262
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$14,535,820	165
2002-12-31 (YTD Data)		Rank
Total interest income	$201,706,000	209
Total interest expense	$70,483,000	213
Net interest income	$131,223,000	202
Provision for loan and lease losses	$12,331,000	214
Total noninterest income	$36,078,000	272
Gross Fiduciary activities income	$2,730,000	233
Service charges on deposit accounts	$19,931,000	120
Trading account gains and fees	$0	153
Additional Noninterest Income	$13,417,000	368
Total noninterest expense	$76,365,000	265
Salaries and employee benefits	$37,992,000	244
Premises and equipment expense	$14,048,000	203
Additional noninterest expense	$24,325,000	297
Pre-tax net operating income	$78,605,000	178
Securities gains (losses)	$4,784,000	162
Applicable income taxes	$28,137,000	177
Income before extraordinary items	$55,252,000	185
Extraordinary gains, net	$0	70
Net income	$55,252,000	185
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,998,000	216
Cash dividends	$11,725,000	327
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$52,094,560	179
2001-12-31 (YTD Data)		Rank
Total interest income	$183,302,000	254
Total interest expense	$83,775,000	252
Net interest income	$99,527,000	247
Provision for loan and lease losses	$8,667,000	255
Total noninterest income	$28,259,000	309
Gross Fiduciary activities income	$2,493,000	257
Service charges on deposit accounts	$16,455,000	128
Trading account gains and fees	$0	177
Additional Noninterest Income	$9,311,000	435
Total noninterest expense	$59,399,000	317
Salaries and employee benefits	$27,933,000	291
Premises and equipment expense	$10,893,000	242
Additional noninterest expense	$20,573,000	350
Pre-tax net operating income	$59,720,000	200
Securities gains (losses)	$1,496,000	304
Applicable income taxes	$21,481,000	200
Income before extraordinary items	$39,735,000	214
Extraordinary gains, net	$0	105
Net income	$39,735,000	213
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,075,000	251
Cash dividends	$9,625,000	383
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$38,762,600	209
2000-12-31 (YTD Data)		Rank
Total interest income	$181,537,000	270
Total interest expense	$86,513,000	284
Net interest income	$95,024,000	240
Provision for loan and lease losses	$8,927,000	219
Total noninterest income	$22,282,000	350
Gross Fiduciary activities income	$2,301,000	268
Service charges on deposit accounts	$11,863,000	153
Trading account gains and fees	$0	180
Additional Noninterest Income	$8,118,000	476
Total noninterest expense	$53,856,000	324
Salaries and employee benefits	$26,636,000	283
Premises and equipment expense	$10,058,000	256
Additional noninterest expense	$17,162,000	391
Pre-tax net operating income	$54,523,000	220
Securities gains (losses)	$12,000	1,101
Applicable income taxes	$18,985,000	217
Income before extraordinary items	$35,550,000	221
Extraordinary gains, net	$0	38
Net income	$35,550,000	221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,180,000	241
Cash dividends	$8,440,000	435
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$35,542,200	223
1999-12-31 (YTD Data)		Rank
Total interest income	$143,841,000	302
Total interest expense	$62,221,000	328
Net interest income	$81,620,000	280
Provision for loan and lease losses	$5,432,000	286
Total noninterest income	$17,943,000	425
Gross Fiduciary activities income	$1,965,000	334
Service charges on deposit accounts	$9,799,000	180
Trading account gains and fees	$0	173
Additional Noninterest Income	$6,179,000	577
Total noninterest expense	$46,033,000	386
Salaries and employee benefits	$22,378,000	350
Premises and equipment expense	$8,866,000	286
Additional noninterest expense	$14,789,000	448
Pre-tax net operating income	$48,098,000	255
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$16,991,000	262
Income before extraordinary items	$31,108,000	261
Extraordinary gains, net	$0	35
Net income	$31,108,000	263
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,532,000	328
Cash dividends	$42,248,000	158
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$31,107,350	256
1998-12-31 (YTD Data)		Rank
Total interest income	$125,647,000	328
Total interest expense	$58,388,000	341
Net interest income	$67,259,000	314
Provision for loan and lease losses	$9,729,000	224
Total noninterest income	$15,094,000	452
Gross Fiduciary activities income	$1,769,000	343
Service charges on deposit accounts	$8,026,000	195
Trading account gains and fees	$0	224
Additional Noninterest Income	$5,299,000	617
Total noninterest expense	$40,689,000	420
Salaries and employee benefits	$18,524,000	405
Premises and equipment expense	$8,199,000	285
Additional noninterest expense	$13,966,000	456
Pre-tax net operating income	$31,935,000	310
Securities gains (losses)	$2,910,000	182
Applicable income taxes	$11,892,000	311
Income before extraordinary items	$22,953,000	300
Extraordinary gains, net	$0	32
Net income	$22,953,000	301
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,093,000	219
Cash dividends	$12,000,000	329
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$21,032,400	308
1997-12-31 (YTD Data)		Rank
Total interest income	$102,344,000	398
Total interest expense	$46,546,000	414
Net interest income	$55,798,000	376
Provision for loan and lease losses	$2,817,000	451
Total noninterest income	$11,045,000	532
Gross Fiduciary activities income	$1,691,000	357
Service charges on deposit accounts	$5,962,000	244
Trading account gains and fees	$0	239
Additional Noninterest Income	$3,392,000	781
Total noninterest expense	$32,233,000	492
Salaries and employee benefits	$15,350,000	453
Premises and equipment expense	$5,825,000	379
Additional noninterest expense	$11,058,000	537
Pre-tax net operating income	$31,793,000	310
Securities gains (losses)	$731,000	337
Applicable income taxes	$11,082,000	334
Income before extraordinary items	$21,442,000	312
Extraordinary gains, net	$0	44
Net income	$21,442,000	312
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,330,000	462
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$20,959,540	306
1996-12-31 (YTD Data)		Rank
Total interest income	$78,226,000	518
Total interest expense	$33,665,000	557
Net interest income	$44,561,000	472
Provision for loan and lease losses	$2,120,000	588
Total noninterest income	$9,332,000	612
Gross Fiduciary activities income	$1,505,000	407
Service charges on deposit accounts	$4,982,000	316
Trading account gains and fees	$0	262
Additional Noninterest Income	$2,845,000	914
Total noninterest expense	$27,842,000	593
Salaries and employee benefits	$13,913,000	517
Premises and equipment expense	$5,097,000	464
Additional noninterest expense	$8,832,000	739
Pre-tax net operating income	$23,931,000	404
Securities gains (losses)	$401,000	479
Applicable income taxes	$7,914,000	421
Income before extraordinary items	$16,418,000	398
Extraordinary gains, net	$0	53
Net income	$16,418,000	399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,278,000	766
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$16,149,330	399
1995-12-31 (YTD Data)		Rank
Total interest income	$45,592,000	820
Total interest expense	$18,390,000	953
Net interest income	$27,202,000	730
Provision for loan and lease losses	$1,685,000	654
Total noninterest income	$6,789,000	778
Gross Fiduciary activities income	$1,256,000	480
Service charges on deposit accounts	$3,472,000	443
Trading account gains and fees	$0	522
Additional Noninterest Income	$2,061,000	1,108
Total noninterest expense	$18,830,000	824
Salaries and employee benefits	$9,563,000	736
Premises and equipment expense	$3,090,000	740
Additional noninterest expense	$6,177,000	950
Pre-tax net operating income	$13,476,000	648
Securities gains (losses)	$-111,000	11,530
Applicable income taxes	$4,656,000	640
Income before extraordinary items	$8,709,000	670
Extraordinary gains, net	$0	65
Net income	$8,709,000	670
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,104,000	832
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$8,781,150	662
1994-12-31 (YTD Data)		Rank
Total interest income	$34,631,000	923
Total interest expense	$12,005,000	1,096
Net interest income	$22,626,000	833
Provision for loan and lease losses	$1,085,000	876
Total noninterest income	$5,913,000	822
Gross Fiduciary activities income	$1,161,000	488
Service charges on deposit accounts	$3,035,000	475
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,717,000	1,254
Total noninterest expense	$16,382,000	938
Salaries and employee benefits	$8,008,000	857
Premises and equipment expense	$2,603,000	846
Additional noninterest expense	$5,771,000	1,043
Pre-tax net operating income	$11,072,000	738
Securities gains (losses)	$8,000	2,362
Applicable income taxes	$3,928,000	695
Income before extraordinary items	$7,152,000	751
Extraordinary gains, net	$0	249
Net income	$7,152,000	751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,009,000	859
Cash dividends	$456,000	3,422
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$7,146,800	755
1993-12-31 (YTD Data)		Rank
Total interest income	$29,691,000	1,064
Total interest expense	$10,386,000	1,293
Net interest income	$19,305,000	955
Provision for loan and lease losses	$392,000	2,501
Total noninterest income	$6,121,000	852
Gross Fiduciary activities income	$1,087,000	525
Service charges on deposit accounts	$2,718,000	516
Trading account gains and fees	$0	532
Additional Noninterest Income	$2,316,000	1,152
Total noninterest expense	$15,427,000	1,026
Salaries and employee benefits	$7,797,000	875
Premises and equipment expense	$2,179,000	1,003
Additional noninterest expense	$5,451,000	1,188
Pre-tax net operating income	$9,607,000	763
Securities gains (losses)	$33,000	3,976
Applicable income taxes	$3,450,000	746
Income before extraordinary items	$6,190,000	849
Extraordinary gains, net	$13,000	2,867
Net income	$6,203,000	877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-114,000	12,974
Cash dividends	$2,382,000	875
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$6,168,880	800
1992-12-31 (YTD Data)		Rank
Total interest income	$27,737,000	1,314
Total interest expense	$10,674,000	1,622
Net interest income	$17,063,000	1,092
Provision for loan and lease losses	$220,000	4,962
Total noninterest income	$4,453,000	1,074
Gross Fiduciary activities income	$831,000	593
Service charges on deposit accounts	$2,141,000	641
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,481,000	1,539
Total noninterest expense	$14,162,000	1,112
Salaries and employee benefits	$6,722,000	1,012
Premises and equipment expense	$2,052,000	1,090
Additional noninterest expense	$5,388,000	1,232
Pre-tax net operating income	$7,134,000	913
Securities gains (losses)	$-226,000	13,849
Applicable income taxes	$2,153,000	1,053
Income before extraordinary items	$4,755,000	1,003
Extraordinary gains, net	$0	1,422
Net income	$4,755,000	1,008
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$464,000	2,585
Cash dividends	$1,677,000	990
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$4,910,940	883

* 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.