Home > Barnsdall State Bank > Income and Expense
Barnsdall State Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $127,000 | 8,407 |
| Total interest expense | $52,000 | 8,307 |
| Net interest income | $75,000 | 8,415 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $27,000 | 7,420 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $14,000 | 6,612 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $13,000 | 6,970 |
| Total noninterest expense | $107,000 | 8,350 |
| Salaries and employee benefits | $66,000 | 8,308 |
| Premises and equipment expense | $-6,000 | 8,491 |
| Additional noninterest expense | $47,000 | 8,047 |
| Pre-tax net operating income | $-5,000 | 7,203 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-5,000 | 7,309 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-5,000 | 7,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-5,000 | 7,227 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $630,000 | 8,345 |
| Total interest expense | $205,000 | 8,292 |
| Net interest income | $425,000 | 8,336 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $77,000 | 7,779 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $58,000 | 6,627 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $19,000 | 7,830 |
| Total noninterest expense | $463,000 | 8,361 |
| Salaries and employee benefits | $260,000 | 8,343 |
| Premises and equipment expense | $71,000 | 8,049 |
| Additional noninterest expense | $132,000 | 8,330 |
| Pre-tax net operating income | $39,000 | 7,320 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $39,000 | 7,366 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $39,000 | 7,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,400 |
| Cash dividends | $11,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $39,000 | 7,334 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $474,000 | 8,392 |
| Total interest expense | $154,000 | 8,337 |
| Net interest income | $320,000 | 8,377 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $57,000 | 7,854 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $41,000 | 6,701 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $16,000 | 7,805 |
| Total noninterest expense | $334,000 | 8,377 |
| Salaries and employee benefits | $186,000 | 8,357 |
| Premises and equipment expense | $54,000 | 8,035 |
| Additional noninterest expense | $94,000 | 8,358 |
| Pre-tax net operating income | $43,000 | 7,524 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $43,000 | 7,517 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $43,000 | 7,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $11,000 | 5,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $43,000 | 7,503 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $316,000 | 8,463 |
| Total interest expense | $102,000 | 8,403 |
| Net interest income | $214,000 | 8,446 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $39,000 | 7,878 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $27,000 | 6,756 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $12,000 | 7,778 |
| Total noninterest expense | $223,000 | 8,433 |
| Salaries and employee benefits | $122,000 | 8,415 |
| Premises and equipment expense | $37,000 | 8,058 |
| Additional noninterest expense | $64,000 | 8,390 |
| Pre-tax net operating income | $30,000 | 7,638 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $30,000 | 7,625 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $30,000 | 7,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $30,000 | 7,609 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $156,000 | 8,521 |
| Total interest expense | $51,000 | 8,452 |
| Net interest income | $105,000 | 8,504 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $15,000 | 8,067 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $12,000 | 6,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,000 | 8,103 |
| Total noninterest expense | $109,000 | 8,478 |
| Salaries and employee benefits | $66,000 | 8,430 |
| Premises and equipment expense | $14,000 | 8,242 |
| Additional noninterest expense | $29,000 | 8,463 |
| Pre-tax net operating income | $11,000 | 7,734 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $11,000 | 7,739 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $11,000 | 7,738 |
| 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 | $0 | 885 |
| Net operating income | $11,000 | 7,718 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $616,000 | 8,497 |
| Total interest expense | $171,000 | 8,457 |
| Net interest income | $445,000 | 8,455 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $71,000 | 8,033 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $58,000 | 6,761 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $13,000 | 8,184 |
| Total noninterest expense | $420,000 | 8,520 |
| Salaries and employee benefits | $269,000 | 8,439 |
| Premises and equipment expense | $56,000 | 8,301 |
| Additional noninterest expense | $95,000 | 8,568 |
| Pre-tax net operating income | $96,000 | 7,724 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $6,000 | 6,282 |
| Income before extraordinary items | $90,000 | 7,710 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $90,000 | 7,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $71,000 | 5,602 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $90,000 | 7,702 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $462,000 | 8,554 |
| Total interest expense | $122,000 | 8,519 |
| Net interest income | $340,000 | 8,521 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $54,000 | 8,104 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $44,000 | 6,845 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,000 | 8,238 |
| Total noninterest expense | $312,000 | 8,576 |
| Salaries and employee benefits | $194,000 | 8,488 |
| Premises and equipment expense | $45,000 | 8,304 |
| Additional noninterest expense | $73,000 | 8,610 |
| Pre-tax net operating income | $82,000 | 7,871 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,000 | 6,438 |
| Income before extraordinary items | $78,000 | 7,837 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $78,000 | 7,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $21,000 | 5,188 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $78,000 | 7,837 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $305,000 | 8,607 |
| Total interest expense | $77,000 | 8,571 |
| Net interest income | $228,000 | 8,575 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $37,000 | 8,133 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $30,000 | 6,853 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $7,000 | 8,267 |
| Total noninterest expense | $215,000 | 8,592 |
| Salaries and employee benefits | $126,000 | 8,558 |
| Premises and equipment expense | $35,000 | 8,194 |
| Additional noninterest expense | $54,000 | 8,615 |
| Pre-tax net operating income | $50,000 | 7,962 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,000 | 6,505 |
| Income before extraordinary items | $48,000 | 7,923 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $48,000 | 7,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $48,000 | 7,927 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $148,000 | 8,643 |
| Total interest expense | $35,000 | 8,607 |
| Net interest income | $113,000 | 8,604 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $18,000 | 8,147 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $15,000 | 6,832 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,266 |
| Total noninterest expense | $114,000 | 8,583 |
| Salaries and employee benefits | $66,000 | 8,545 |
| Premises and equipment expense | $23,000 | 7,939 |
| Additional noninterest expense | $25,000 | 8,654 |
| Pre-tax net operating income | $17,000 | 8,059 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $17,000 | 8,024 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $17,000 | 8,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $17,000 | 8,022 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $590,000 | 8,586 |
| Total interest expense | $122,000 | 8,589 |
| Net interest income | $468,000 | 8,560 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $78,000 | 8,163 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $61,000 | 6,908 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $17,000 | 8,210 |
| Total noninterest expense | $425,000 | 8,651 |
| Salaries and employee benefits | $265,000 | 8,566 |
| Premises and equipment expense | $50,000 | 8,470 |
| Additional noninterest expense | $110,000 | 8,669 |
| Pre-tax net operating income | $121,000 | 7,928 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $13,000 | 6,454 |
| Income before extraordinary items | $108,000 | 7,942 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $108,000 | 7,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,288 |
| Cash dividends | $71,000 | 5,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $108,000 | 7,916 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $443,000 | 8,636 |
| Total interest expense | $90,000 | 8,635 |
| Net interest income | $353,000 | 8,606 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $60,000 | 8,185 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $47,000 | 6,913 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $13,000 | 8,252 |
| Total noninterest expense | $307,000 | 8,667 |
| Salaries and employee benefits | $190,000 | 8,589 |
| Premises and equipment expense | $40,000 | 8,431 |
| Additional noninterest expense | $77,000 | 8,696 |
| Pre-tax net operating income | $106,000 | 7,992 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $11,000 | 6,502 |
| Income before extraordinary items | $95,000 | 7,991 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $95,000 | 7,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,742 |
| Cash dividends | $21,000 | 5,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $95,000 | 7,963 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $294,000 | 8,651 |
| Total interest expense | $59,000 | 8,639 |
| Net interest income | $235,000 | 8,619 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $39,000 | 8,204 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $31,000 | 6,910 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $8,000 | 8,279 |
| Total noninterest expense | $207,000 | 8,669 |
| Salaries and employee benefits | $123,000 | 8,621 |
| Premises and equipment expense | $31,000 | 8,342 |
| Additional noninterest expense | $53,000 | 8,702 |
| Pre-tax net operating income | $67,000 | 8,044 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $8,000 | 6,480 |
| Income before extraordinary items | $59,000 | 8,041 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $59,000 | 8,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $59,000 | 8,008 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $148,000 | 8,719 |
| Total interest expense | $29,000 | 8,707 |
| Net interest income | $119,000 | 8,696 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $19,000 | 8,268 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $14,000 | 7,031 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,232 |
| Total noninterest expense | $106,000 | 8,714 |
| Salaries and employee benefits | $57,000 | 8,720 |
| Premises and equipment expense | $22,000 | 8,069 |
| Additional noninterest expense | $27,000 | 8,736 |
| Pre-tax net operating income | $32,000 | 8,121 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $29,000 | 8,102 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $29,000 | 8,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $29,000 | 8,074 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $609,000 | 8,694 |
| Total interest expense | $123,000 | 8,685 |
| Net interest income | $486,000 | 8,655 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $83,000 | 8,267 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $61,000 | 7,102 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $22,000 | 8,162 |
| Total noninterest expense | $437,000 | 8,750 |
| Salaries and employee benefits | $276,000 | 8,655 |
| Premises and equipment expense | $45,000 | 8,651 |
| Additional noninterest expense | $116,000 | 8,753 |
| Pre-tax net operating income | $132,000 | 8,015 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $13,000 | 6,689 |
| Income before extraordinary items | $119,000 | 8,016 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $119,000 | 8,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $71,000 | 5,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $119,000 | 7,971 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $459,000 | 8,749 |
| Total interest expense | $94,000 | 8,732 |
| Net interest income | $365,000 | 8,711 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $63,000 | 8,312 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $46,000 | 7,147 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 8,169 |
| Total noninterest expense | $312,000 | 8,798 |
| Salaries and employee benefits | $192,000 | 8,735 |
| Premises and equipment expense | $36,000 | 8,644 |
| Additional noninterest expense | $84,000 | 8,804 |
| Pre-tax net operating income | $116,000 | 8,052 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $11,000 | 6,758 |
| Income before extraordinary items | $105,000 | 8,041 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $105,000 | 8,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $21,000 | 5,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $105,000 | 7,989 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $306,000 | 8,814 |
| Total interest expense | $63,000 | 8,796 |
| Net interest income | $243,000 | 8,775 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $41,000 | 8,369 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $31,000 | 7,155 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $10,000 | 8,299 |
| Total noninterest expense | $215,000 | 8,839 |
| Salaries and employee benefits | $131,000 | 8,777 |
| Premises and equipment expense | $27,000 | 8,608 |
| Additional noninterest expense | $57,000 | 8,848 |
| Pre-tax net operating income | $69,000 | 8,126 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $10,000 | 6,651 |
| Income before extraordinary items | $59,000 | 8,154 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $59,000 | 8,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $59,000 | 8,106 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $156,000 | 8,846 |
| Total interest expense | $32,000 | 8,837 |
| Net interest income | $124,000 | 8,800 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $21,000 | 8,373 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $15,000 | 7,174 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $110,000 | 8,867 |
| Salaries and employee benefits | $61,000 | 8,852 |
| Premises and equipment expense | $21,000 | 8,211 |
| Additional noninterest expense | $28,000 | 8,888 |
| Pre-tax net operating income | $35,000 | 8,111 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $29,000 | 8,171 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $29,000 | 8,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $29,000 | 8,105 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $663,000 | 8,854 |
| Total interest expense | $151,000 | 8,859 |
| Net interest income | $512,000 | 8,799 |
| Provision for loan and lease losses | $20,000 | 7,057 |
| Total noninterest income | $91,000 | 8,401 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $67,000 | 7,147 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $24,000 | 8,305 |
| Total noninterest expense | $459,000 | 8,887 |
| Salaries and employee benefits | $294,000 | 8,779 |
| Premises and equipment expense | $47,000 | 8,809 |
| Additional noninterest expense | $118,000 | 8,929 |
| Pre-tax net operating income | $124,000 | 8,110 |
| Securities gains (losses) | $3,000 | 4,078 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $127,000 | 8,099 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $127,000 | 8,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,909 |
| Cash dividends | $70,000 | 5,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $124,000 | 7,993 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $505,000 | 8,930 |
| Total interest expense | $116,000 | 8,945 |
| Net interest income | $389,000 | 8,871 |
| Provision for loan and lease losses | $20,000 | 6,734 |
| Total noninterest income | $69,000 | 8,455 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $51,000 | 7,191 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $18,000 | 8,330 |
| Total noninterest expense | $318,000 | 8,983 |
| Salaries and employee benefits | $196,000 | 8,903 |
| Premises and equipment expense | $35,000 | 8,854 |
| Additional noninterest expense | $87,000 | 8,976 |
| Pre-tax net operating income | $120,000 | 8,130 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $120,000 | 8,094 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $120,000 | 8,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,233 |
| Cash dividends | $21,000 | 5,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $120,000 | 7,964 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $337,000 | 8,974 |
| Total interest expense | $81,000 | 8,983 |
| Net interest income | $256,000 | 8,910 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $45,000 | 8,476 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $33,000 | 7,215 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $12,000 | 8,333 |
| Total noninterest expense | $216,000 | 8,993 |
| Salaries and employee benefits | $133,000 | 8,920 |
| Premises and equipment expense | $26,000 | 8,793 |
| Additional noninterest expense | $57,000 | 9,009 |
| Pre-tax net operating income | $85,000 | 8,121 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $85,000 | 8,096 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $85,000 | 8,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,047 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $85,000 | 7,936 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $167,000 | 9,035 |
| Total interest expense | $41,000 | 9,043 |
| Net interest income | $126,000 | 8,972 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $22,000 | 8,506 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $16,000 | 7,223 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,357 |
| Total noninterest expense | $105,000 | 9,053 |
| Salaries and employee benefits | $61,000 | 9,018 |
| Premises and equipment expense | $19,000 | 8,461 |
| Additional noninterest expense | $25,000 | 9,104 |
| Pre-tax net operating income | $43,000 | 8,097 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $43,000 | 8,035 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $43,000 | 8,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $43,000 | 7,885 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $673,000 | 9,071 |
| Total interest expense | $185,000 | 9,090 |
| Net interest income | $488,000 | 9,012 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $87,000 | 8,555 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $63,000 | 7,282 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 8,403 |
| Total noninterest expense | $445,000 | 9,077 |
| Salaries and employee benefits | $279,000 | 8,966 |
| Premises and equipment expense | $46,000 | 8,965 |
| Additional noninterest expense | $120,000 | 9,076 |
| Pre-tax net operating income | $130,000 | 8,199 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $131,000 | 8,186 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $131,000 | 8,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $71,000 | 5,804 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $130,000 | 8,091 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $693,000 | 9,326 |
| Total interest expense | $264,000 | 9,324 |
| Net interest income | $429,000 | 9,278 |
| Provision for loan and lease losses | $20,000 | 7,552 |
| Total noninterest income | $95,000 | 8,590 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $72,000 | 7,129 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $23,000 | 8,600 |
| Total noninterest expense | $432,000 | 9,309 |
| Salaries and employee benefits | $258,000 | 9,216 |
| Premises and equipment expense | $51,000 | 9,106 |
| Additional noninterest expense | $123,000 | 9,239 |
| Pre-tax net operating income | $72,000 | 8,456 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $72,000 | 8,485 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $72,000 | 8,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,877 |
| Cash dividends | $56,000 | 6,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $72,000 | 8,386 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $715,000 | 9,582 |
| Total interest expense | $256,000 | 9,590 |
| Net interest income | $459,000 | 9,510 |
| Provision for loan and lease losses | $40,000 | 6,852 |
| Total noninterest income | $99,000 | 8,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 7,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 8,801 |
| Total noninterest expense | $438,000 | 9,518 |
| Salaries and employee benefits | $277,000 | 9,358 |
| Premises and equipment expense | $50,000 | 9,363 |
| Additional noninterest expense | $111,000 | 9,555 |
| Pre-tax net operating income | $80,000 | 8,870 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $80,000 | 8,826 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $80,000 | 8,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,979 |
| Cash dividends | $66,000 | 6,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $80,000 | 8,815 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $689,000 | 9,853 |
| Total interest expense | $262,000 | 9,850 |
| Net interest income | $427,000 | 9,788 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $101,000 | 8,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 7,378 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,750 |
| Total noninterest expense | $443,000 | 9,768 |
| Salaries and employee benefits | $273,000 | 9,613 |
| Premises and equipment expense | $50,000 | 9,632 |
| Additional noninterest expense | $120,000 | 9,782 |
| Pre-tax net operating income | $85,000 | 9,127 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $85,000 | 9,064 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $85,000 | 9,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $56,000 | 6,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $85,000 | 9,033 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $725,000 | 10,082 |
| Total interest expense | $279,000 | 10,094 |
| Net interest income | $446,000 | 10,018 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $102,000 | 8,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 7,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,196 |
| Total noninterest expense | $436,000 | 9,959 |
| Salaries and employee benefits | $270,000 | 9,779 |
| Premises and equipment expense | $38,000 | 10,066 |
| Additional noninterest expense | $128,000 | 9,882 |
| Pre-tax net operating income | $112,000 | 9,355 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $112,000 | 9,248 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $112,000 | 9,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $56,000 | 6,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $112,000 | 9,179 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $759,000 | 10,510 |
| Total interest expense | $298,000 | 10,514 |
| Net interest income | $461,000 | 10,457 |
| Provision for loan and lease losses | $10,000 | 8,395 |
| Total noninterest income | $116,000 | 9,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 7,533 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 9,280 |
| Total noninterest expense | $415,000 | 10,421 |
| Salaries and employee benefits | $260,000 | 10,211 |
| Premises and equipment expense | $41,000 | 10,416 |
| Additional noninterest expense | $114,000 | 10,407 |
| Pre-tax net operating income | $152,000 | 9,833 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $19,000 | 9,739 |
| Income before extraordinary items | $133,000 | 9,746 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $133,000 | 9,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,879 |
| Cash dividends | $56,000 | 7,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $133,000 | 9,701 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $780,000 | 11,039 |
| Total interest expense | $306,000 | 11,067 |
| Net interest income | $474,000 | 10,944 |
| Provision for loan and lease losses | $6,000 | 8,753 |
| Total noninterest income | $111,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,012 |
| Total noninterest expense | $399,000 | 10,970 |
| Salaries and employee benefits | $244,000 | 10,754 |
| Premises and equipment expense | $43,000 | 10,829 |
| Additional noninterest expense | $112,000 | 10,975 |
| Pre-tax net operating income | $180,000 | 9,911 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $24,000 | 10,128 |
| Income before extraordinary items | $156,000 | 9,726 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $156,000 | 9,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $56,000 | 7,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $156,000 | 9,666 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $746,000 | 11,582 |
| Total interest expense | $287,000 | 11,602 |
| Net interest income | $459,000 | 11,497 |
| Provision for loan and lease losses | $22,000 | 7,572 |
| Total noninterest income | $122,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 7,904 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,452 |
| Total noninterest expense | $418,000 | 11,373 |
| Salaries and employee benefits | $253,000 | 11,133 |
| Premises and equipment expense | $45,000 | 11,233 |
| Additional noninterest expense | $120,000 | 11,424 |
| Pre-tax net operating income | $141,000 | 10,825 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $17,000 | 10,802 |
| Income before extraordinary items | $124,000 | 10,713 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $124,000 | 10,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $38,000 | 8,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $124,000 | 10,690 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $739,000 | 12,147 |
| Total interest expense | $255,000 | 12,190 |
| Net interest income | $484,000 | 12,053 |
| Provision for loan and lease losses | $27,000 | 7,330 |
| Total noninterest income | $127,000 | 10,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 8,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 10,859 |
| Total noninterest expense | $431,000 | 11,905 |
| Salaries and employee benefits | $259,000 | 11,586 |
| Premises and equipment expense | $44,000 | 11,852 |
| Additional noninterest expense | $128,000 | 12,049 |
| Pre-tax net operating income | $153,000 | 11,244 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $35,000 | 10,807 |
| Income before extraordinary items | $118,000 | 11,187 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $118,000 | 11,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,486 |
| Cash dividends | $38,000 | 8,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $118,000 | 11,230 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $747,000 | 12,744 |
| Total interest expense | $271,000 | 12,781 |
| Net interest income | $476,000 | 12,614 |
| Provision for loan and lease losses | $5,000 | 10,098 |
| Total noninterest income | $116,000 | 10,933 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 8,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 11,511 |
| Total noninterest expense | $435,000 | 12,487 |
| Salaries and employee benefits | $255,000 | 12,133 |
| Premises and equipment expense | $44,000 | 12,403 |
| Additional noninterest expense | $136,000 | 12,583 |
| Pre-tax net operating income | $152,000 | 11,457 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $16,000 | 11,688 |
| Income before extraordinary items | $138,000 | 11,364 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $138,000 | 11,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $38,000 | 8,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $136,200 | 11,176 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $783,000 | 13,375 |
| Total interest expense | $335,000 | 13,392 |
| Net interest income | $448,000 | 13,242 |
| Provision for loan and lease losses | $20,000 | 10,574 |
| Total noninterest income | $113,000 | 11,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,993 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 11,929 |
| Total noninterest expense | $407,000 | 13,131 |
| Salaries and employee benefits | $243,000 | 12,676 |
| Premises and equipment expense | $23,000 | 13,601 |
| Additional noninterest expense | $141,000 | 13,080 |
| Pre-tax net operating income | $134,000 | 11,675 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $13,000 | 12,284 |
| Income before extraordinary items | $129,000 | 11,554 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $129,000 | 11,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $35,000 | 8,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $121,720 | 11,336 |
* 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.