Home > Centura Card Bank > Income and Expense
Centura Card Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $382,000 | 8,003 |
| Total interest expense | $12,000 | 8,140 |
| Net interest income | $370,000 | 7,795 |
| Provision for loan and lease losses | $223,000 | 4,189 |
| Total noninterest income | $118,000 | 6,136 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $0 | 7,241 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $118,000 | 4,512 |
| Total noninterest expense | $368,000 | 7,810 |
| Salaries and employee benefits | $0 | 8,171 |
| Premises and equipment expense | $0 | 8,164 |
| Additional noninterest expense | $368,000 | 6,032 |
| Pre-tax net operating income | $-103,000 | 6,103 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-36,000 | 6,945 |
| Income before extraordinary items | $-67,000 | 6,111 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-67,000 | 6,110 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-67,000 | 6,110 |
| Net charge-offs | $213,000 | 3,349 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-67,000 | 6,066 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $187,000 | 8,067 |
| Total interest expense | $6,000 | 8,194 |
| Net interest income | $181,000 | 7,855 |
| Provision for loan and lease losses | $121,000 | 3,583 |
| Total noninterest income | $53,000 | 6,292 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $0 | 7,262 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $53,000 | 4,730 |
| Total noninterest expense | $187,000 | 7,816 |
| Salaries and employee benefits | $0 | 8,225 |
| Premises and equipment expense | $0 | 8,212 |
| Additional noninterest expense | $187,000 | 5,774 |
| Pre-tax net operating income | $-74,000 | 6,570 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-26,000 | 7,309 |
| Income before extraordinary items | $-48,000 | 6,644 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-48,000 | 6,645 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-48,000 | 6,645 |
| Net charge-offs | $86,000 | 3,034 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-48,000 | 6,532 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $784,000 | 8,091 |
| Total interest expense | $23,000 | 8,254 |
| Net interest income | $761,000 | 7,851 |
| Provision for loan and lease losses | $154,000 | 5,528 |
| Total noninterest income | $298,000 | 5,826 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,335 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $298,000 | 4,113 |
| Total noninterest expense | $677,000 | 7,947 |
| Salaries and employee benefits | $0 | 8,276 |
| Premises and equipment expense | $0 | 8,269 |
| Additional noninterest expense | $677,000 | 5,912 |
| Pre-tax net operating income | $228,000 | 5,669 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $90,000 | 3,458 |
| Income before extraordinary items | $138,000 | 5,719 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $138,000 | 5,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 3,961 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $138,000 | 5,874 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $598,000 | 8,178 |
| Total interest expense | $18,000 | 8,327 |
| Net interest income | $580,000 | 7,917 |
| Provision for loan and lease losses | $61,000 | 5,677 |
| Total noninterest income | $383,000 | 4,908 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $0 | 7,386 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $383,000 | 3,257 |
| Total noninterest expense | $701,000 | 7,661 |
| Salaries and employee benefits | $0 | 8,359 |
| Premises and equipment expense | $0 | 8,353 |
| Additional noninterest expense | $701,000 | 4,945 |
| Pre-tax net operating income | $201,000 | 6,033 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $79,000 | 3,795 |
| Income before extraordinary items | $122,000 | 6,066 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $122,000 | 6,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,399 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $122,000 | 6,228 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $395,000 | 8,251 |
| Total interest expense | $11,000 | 8,404 |
| Net interest income | $384,000 | 7,964 |
| Provision for loan and lease losses | $158,000 | 3,532 |
| Total noninterest income | $298,000 | 4,640 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $0 | 7,428 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $298,000 | 3,026 |
| Total noninterest expense | $497,000 | 7,625 |
| Salaries and employee benefits | $0 | 8,428 |
| Premises and equipment expense | $0 | 8,420 |
| Additional noninterest expense | $497,000 | 4,737 |
| Pre-tax net operating income | $27,000 | 6,801 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $10,000 | 4,982 |
| Income before extraordinary items | $17,000 | 6,898 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $17,000 | 6,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 2,994 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $17,000 | 6,853 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $170,000 | 8,346 |
| Total interest expense | $6,000 | 8,433 |
| Net interest income | $164,000 | 8,138 |
| Provision for loan and lease losses | $-24,000 | 8,395 |
| Total noninterest income | $128,000 | 4,948 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $0 | 7,431 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $128,000 | 3,321 |
| Total noninterest expense | $194,000 | 7,965 |
| Salaries and employee benefits | $0 | 8,470 |
| Premises and equipment expense | $0 | 8,457 |
| Additional noninterest expense | $194,000 | 5,469 |
| Pre-tax net operating income | $122,000 | 5,747 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $48,000 | 3,601 |
| Income before extraordinary items | $74,000 | 6,222 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $74,000 | 6,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 2,428 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $74,000 | 6,127 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $688,000 | 8,331 |
| Total interest expense | $23,000 | 8,474 |
| Net interest income | $665,000 | 8,121 |
| Provision for loan and lease losses | $142,000 | 4,409 |
| Total noninterest income | $578,000 | 4,715 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $0 | 7,508 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $578,000 | 3,065 |
| Total noninterest expense | $572,000 | 8,251 |
| Salaries and employee benefits | $0 | 8,511 |
| Premises and equipment expense | $0 | 8,507 |
| Additional noninterest expense | $572,000 | 6,257 |
| Pre-tax net operating income | $529,000 | 5,894 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $209,000 | 3,798 |
| Income before extraordinary items | $320,000 | 6,350 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $320,000 | 6,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 3,137 |
| Cash dividends | $3,800,000 | 964 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $320,000 | 6,337 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $515,000 | 8,375 |
| Total interest expense | $18,000 | 8,504 |
| Net interest income | $497,000 | 8,184 |
| Provision for loan and lease losses | $66,000 | 4,751 |
| Total noninterest income | $445,000 | 4,670 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,525 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $445,000 | 3,029 |
| Total noninterest expense | $441,000 | 8,221 |
| Salaries and employee benefits | $0 | 8,536 |
| Premises and equipment expense | $0 | 8,525 |
| Additional noninterest expense | $441,000 | 6,160 |
| Pre-tax net operating income | $435,000 | 6,023 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $172,000 | 3,891 |
| Income before extraordinary items | $263,000 | 6,510 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $263,000 | 6,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 2,736 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $263,000 | 6,494 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $339,000 | 8,454 |
| Total interest expense | $12,000 | 8,551 |
| Net interest income | $327,000 | 8,261 |
| Provision for loan and lease losses | $-6,000 | 8,337 |
| Total noninterest income | $212,000 | 5,456 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $212,000 | 3,667 |
| Total noninterest expense | $286,000 | 8,287 |
| Salaries and employee benefits | $0 | 8,588 |
| Premises and equipment expense | $0 | 8,576 |
| Additional noninterest expense | $286,000 | 6,243 |
| Pre-tax net operating income | $259,000 | 6,300 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $102,000 | 4,108 |
| Income before extraordinary items | $157,000 | 6,686 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $157,000 | 6,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,597 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $157,000 | 6,673 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $172,000 | 8,506 |
| Total interest expense | $6,000 | 8,585 |
| Net interest income | $166,000 | 8,306 |
| Provision for loan and lease losses | $1,000 | 5,727 |
| Total noninterest income | $102,000 | 5,507 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $102,000 | 3,735 |
| Total noninterest expense | $154,000 | 8,279 |
| Salaries and employee benefits | $0 | 8,625 |
| Premises and equipment expense | $0 | 8,607 |
| Additional noninterest expense | $154,000 | 6,053 |
| Pre-tax net operating income | $113,000 | 6,503 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $44,000 | 4,256 |
| Income before extraordinary items | $69,000 | 6,876 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $69,000 | 6,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,323 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $69,000 | 6,859 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $631,000 | 8,486 |
| Total interest expense | $18,000 | 8,625 |
| Net interest income | $613,000 | 8,309 |
| Provision for loan and lease losses | $240,000 | 3,157 |
| Total noninterest income | $405,000 | 5,581 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $405,000 | 3,709 |
| Total noninterest expense | $491,000 | 8,449 |
| Salaries and employee benefits | $0 | 8,655 |
| Premises and equipment expense | $0 | 8,648 |
| Additional noninterest expense | $491,000 | 6,578 |
| Pre-tax net operating income | $287,000 | 7,146 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $113,000 | 4,865 |
| Income before extraordinary items | $174,000 | 7,383 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $174,000 | 7,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,784 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $174,000 | 7,377 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $463,000 | 8,553 |
| Total interest expense | $12,000 | 8,702 |
| Net interest income | $451,000 | 8,400 |
| Provision for loan and lease losses | $176,000 | 3,141 |
| Total noninterest income | $294,000 | 5,667 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $294,000 | 3,771 |
| Total noninterest expense | $367,000 | 8,489 |
| Salaries and employee benefits | $0 | 8,718 |
| Premises and equipment expense | $0 | 8,712 |
| Additional noninterest expense | $367,000 | 6,582 |
| Pre-tax net operating income | $202,000 | 7,411 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $80,000 | 5,122 |
| Income before extraordinary items | $122,000 | 7,618 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $122,000 | 7,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,446 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $122,000 | 7,615 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $305,000 | 8,607 |
| Total interest expense | $6,000 | 8,742 |
| Net interest income | $299,000 | 8,463 |
| Provision for loan and lease losses | $147,000 | 2,704 |
| Total noninterest income | $187,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $187,000 | 3,871 |
| Total noninterest expense | $241,000 | 8,539 |
| Salaries and employee benefits | $0 | 8,754 |
| Premises and equipment expense | $0 | 8,741 |
| Additional noninterest expense | $241,000 | 6,656 |
| Pre-tax net operating income | $98,000 | 7,708 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $38,000 | 5,424 |
| Income before extraordinary items | $60,000 | 7,838 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $60,000 | 7,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,255 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $60,000 | 7,842 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $152,000 | 8,635 |
| Total interest expense | $3,000 | 8,758 |
| Net interest income | $149,000 | 8,492 |
| Provision for loan and lease losses | $109,000 | 1,884 |
| Total noninterest income | $87,000 | 5,894 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $87,000 | 3,969 |
| Total noninterest expense | $114,000 | 8,583 |
| Salaries and employee benefits | $0 | 8,764 |
| Premises and equipment expense | $0 | 8,748 |
| Additional noninterest expense | $114,000 | 6,766 |
| Pre-tax net operating income | $13,000 | 8,098 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $8,000 | 8,130 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,000 | 8,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 1,837 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $8,000 | 8,119 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $552,000 | 8,606 |
| Total interest expense | $12,000 | 8,782 |
| Net interest income | $540,000 | 8,499 |
| Provision for loan and lease losses | $148,000 | 4,176 |
| Total noninterest income | $326,000 | 6,165 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $326,000 | 4,159 |
| Total noninterest expense | $484,000 | 8,578 |
| Salaries and employee benefits | $0 | 8,809 |
| Premises and equipment expense | $0 | 8,806 |
| Additional noninterest expense | $484,000 | 6,674 |
| Pre-tax net operating income | $234,000 | 7,606 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $92,000 | 5,436 |
| Income before extraordinary items | $142,000 | 7,825 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $142,000 | 7,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,923 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $142,000 | 7,787 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $402,000 | 8,663 |
| Total interest expense | $9,000 | 8,803 |
| Net interest income | $393,000 | 8,562 |
| Provision for loan and lease losses | $94,000 | 4,264 |
| Total noninterest income | $230,000 | 6,314 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $230,000 | 4,283 |
| Total noninterest expense | $350,000 | 8,596 |
| Salaries and employee benefits | $0 | 8,836 |
| Premises and equipment expense | $0 | 8,827 |
| Additional noninterest expense | $350,000 | 6,733 |
| Pre-tax net operating income | $179,000 | 7,719 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $70,000 | 5,547 |
| Income before extraordinary items | $109,000 | 7,908 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $109,000 | 7,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 2,622 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $109,000 | 7,882 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $272,000 | 8,670 |
| Total interest expense | $6,000 | 8,819 |
| Net interest income | $266,000 | 8,566 |
| Provision for loan and lease losses | $61,000 | 4,100 |
| Total noninterest income | $146,000 | 6,387 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $146,000 | 4,386 |
| Total noninterest expense | $198,000 | 8,686 |
| Salaries and employee benefits | $0 | 8,845 |
| Premises and equipment expense | $0 | 8,833 |
| Additional noninterest expense | $198,000 | 7,109 |
| Pre-tax net operating income | $153,000 | 7,529 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $61,000 | 5,341 |
| Income before extraordinary items | $92,000 | 7,796 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $92,000 | 7,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,449 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $92,000 | 7,752 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $147,000 | 8,721 |
| Total interest expense | $3,000 | 8,881 |
| Net interest income | $144,000 | 8,613 |
| Provision for loan and lease losses | $16,000 | 4,844 |
| Total noninterest income | $68,000 | 6,493 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $68,000 | 4,510 |
| Total noninterest expense | $98,000 | 8,753 |
| Salaries and employee benefits | $0 | 8,910 |
| Premises and equipment expense | $0 | 8,891 |
| Additional noninterest expense | $98,000 | 7,182 |
| Pre-tax net operating income | $98,000 | 7,251 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $39,000 | 5,067 |
| Income before extraordinary items | $59,000 | 7,606 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $59,000 | 7,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,412 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $59,000 | 7,579 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $470,000 | 8,774 |
| Total interest expense | $12,000 | 8,893 |
| Net interest income | $458,000 | 8,680 |
| Provision for loan and lease losses | $157,000 | 4,163 |
| Total noninterest income | $287,000 | 6,501 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $287,000 | 4,342 |
| Total noninterest expense | $313,000 | 8,875 |
| Salaries and employee benefits | $0 | 8,955 |
| Premises and equipment expense | $0 | 8,943 |
| Additional noninterest expense | $313,000 | 7,627 |
| Pre-tax net operating income | $275,000 | 7,528 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $109,000 | 5,421 |
| Income before extraordinary items | $166,000 | 7,807 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $166,000 | 7,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,075 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $166,000 | 7,765 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $370,000 | 8,811 |
| Total interest expense | $9,000 | 8,947 |
| Net interest income | $361,000 | 8,717 |
| Provision for loan and lease losses | $109,000 | 4,145 |
| Total noninterest income | $337,000 | 5,562 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $337,000 | 3,511 |
| Total noninterest expense | $215,000 | 8,937 |
| Salaries and employee benefits | $0 | 9,000 |
| Premises and equipment expense | $0 | 8,990 |
| Additional noninterest expense | $215,000 | 7,784 |
| Pre-tax net operating income | $374,000 | 6,856 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $148,000 | 4,870 |
| Income before extraordinary items | $226,000 | 7,330 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $226,000 | 7,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,637 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $226,000 | 7,265 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $240,000 | 8,883 |
| Total interest expense | $6,000 | 9,007 |
| Net interest income | $234,000 | 8,785 |
| Provision for loan and lease losses | $65,000 | 4,191 |
| Total noninterest income | $215,000 | 5,659 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $215,000 | 3,605 |
| Total noninterest expense | $139,000 | 8,998 |
| Salaries and employee benefits | $0 | 9,056 |
| Premises and equipment expense | $0 | 9,049 |
| Additional noninterest expense | $139,000 | 7,866 |
| Pre-tax net operating income | $245,000 | 6,858 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $98,000 | 4,866 |
| Income before extraordinary items | $147,000 | 7,348 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $147,000 | 7,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,617 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $147,000 | 7,284 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $92,000 | 8,996 |
| Total interest expense | $3,000 | 9,046 |
| Net interest income | $89,000 | 8,925 |
| Provision for loan and lease losses | $23,000 | 4,653 |
| Total noninterest income | $102,000 | 5,732 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $102,000 | 3,674 |
| Total noninterest expense | $76,000 | 9,017 |
| Salaries and employee benefits | $0 | 9,095 |
| Premises and equipment expense | $0 | 9,081 |
| Additional noninterest expense | $76,000 | 7,736 |
| Pre-tax net operating income | $92,000 | 7,278 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $36,000 | 5,209 |
| Income before extraordinary items | $56,000 | 7,659 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $56,000 | 7,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,329 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $56,000 | 7,584 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $506,000 | 8,943 |
| Total interest expense | $31,000 | 9,073 |
| Net interest income | $475,000 | 8,832 |
| Provision for loan and lease losses | $151,000 | 4,558 |
| Total noninterest income | $490,000 | 5,502 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $490,000 | 3,617 |
| Total noninterest expense | $640,000 | 8,568 |
| Salaries and employee benefits | $0 | 9,160 |
| Premises and equipment expense | $0 | 9,148 |
| Additional noninterest expense | $640,000 | 5,778 |
| Pre-tax net operating income | $174,000 | 7,910 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $68,000 | 6,064 |
| Income before extraordinary items | $106,000 | 8,190 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $106,000 | 8,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,531 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $106,000 | 8,070 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $373,000 | 9,035 |
| Total interest expense | $28,000 | 9,131 |
| Net interest income | $345,000 | 8,921 |
| Provision for loan and lease losses | $115,000 | 4,426 |
| Total noninterest income | $361,000 | 5,580 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $361,000 | 3,725 |
| Total noninterest expense | $386,000 | 8,840 |
| Salaries and employee benefits | $0 | 9,215 |
| Premises and equipment expense | $0 | 9,202 |
| Additional noninterest expense | $386,000 | 6,447 |
| Pre-tax net operating income | $205,000 | 7,701 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $81,000 | 5,792 |
| Income before extraordinary items | $124,000 | 8,073 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $124,000 | 8,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 2,988 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $124,000 | 7,938 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $245,000 | 9,081 |
| Total interest expense | $22,000 | 9,173 |
| Net interest income | $223,000 | 8,971 |
| Provision for loan and lease losses | $81,000 | 4,279 |
| Total noninterest income | $203,000 | 5,966 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $203,000 | 4,006 |
| Total noninterest expense | $231,000 | 8,948 |
| Salaries and employee benefits | $0 | 9,245 |
| Premises and equipment expense | $0 | 9,227 |
| Additional noninterest expense | $231,000 | 6,761 |
| Pre-tax net operating income | $114,000 | 7,888 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $45,000 | 6,001 |
| Income before extraordinary items | $69,000 | 8,234 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $69,000 | 8,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,734 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $69,000 | 8,086 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $116,000 | 9,147 |
| Total interest expense | $11,000 | 9,218 |
| Net interest income | $105,000 | 9,047 |
| Provision for loan and lease losses | $76,000 | 2,787 |
| Total noninterest income | $71,000 | 6,688 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $71,000 | 4,573 |
| Total noninterest expense | $86,000 | 9,159 |
| Salaries and employee benefits | $0 | 9,285 |
| Premises and equipment expense | $0 | 9,263 |
| Additional noninterest expense | $86,000 | 7,511 |
| Pre-tax net operating income | $14,000 | 8,532 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $4,000 | 6,977 |
| Income before extraordinary items | $10,000 | 8,634 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $10,000 | 8,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,298 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $10,000 | 8,528 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $529,000 | 9,161 |
| Total interest expense | $43,000 | 9,251 |
| Net interest income | $486,000 | 9,016 |
| Provision for loan and lease losses | $192,000 | 4,459 |
| Total noninterest income | $341,000 | 6,165 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $341,000 | 4,000 |
| Total noninterest expense | $291,000 | 9,246 |
| Salaries and employee benefits | $0 | 9,330 |
| Premises and equipment expense | $0 | 9,317 |
| Additional noninterest expense | $291,000 | 7,870 |
| Pre-tax net operating income | $344,000 | 7,385 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $136,000 | 5,634 |
| Income before extraordinary items | $208,000 | 7,795 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $208,000 | 7,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 3,259 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $208,000 | 7,697 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $357,000 | 9,485 |
| Total interest expense | $29,000 | 9,521 |
| Net interest income | $328,000 | 9,388 |
| Provision for loan and lease losses | $189,000 | 4,270 |
| Total noninterest income | $63,000 | 9,008 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $63,000 | 7,311 |
| Total noninterest expense | $169,000 | 9,575 |
| Salaries and employee benefits | $0 | 9,594 |
| Premises and equipment expense | $0 | 9,580 |
| Additional noninterest expense | $169,000 | 8,915 |
| Pre-tax net operating income | $33,000 | 8,600 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $13,000 | 7,494 |
| Income before extraordinary items | $20,000 | 8,730 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $20,000 | 8,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,035 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $20,000 | 8,641 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $320,000 | 9,783 |
| Total interest expense | $0 | 9,874 |
| Net interest income | $320,000 | 9,675 |
| Provision for loan and lease losses | $62,000 | 6,152 |
| Total noninterest income | $3,000 | 9,812 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 9,721 |
| Total noninterest expense | $100,000 | 9,881 |
| Salaries and employee benefits | $1,000 | 9,879 |
| Premises and equipment expense | $0 | 9,865 |
| Additional noninterest expense | $99,000 | 9,636 |
| Pre-tax net operating income | $161,000 | 8,546 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $64,000 | 7,024 |
| Income before extraordinary items | $97,000 | 8,729 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $97,000 | 8,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,998 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $5,004,000 | 206 |
| Net operating income | $97,000 | 8,718 |
* 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.