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Commercial Bank, Income and Expense

2003-06-30 (YTD Data)		Rank
Total interest income	$458,000	8,788
Total interest expense	$152,000	8,630
Net interest income	$306,000	8,784
Provision for loan and lease losses	$0	7,324
Total noninterest income	$40,000	8,577
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$25,000	7,506
Trading account gains and fees	$0	150
Additional Noninterest Income	$15,000	8,141
Total noninterest expense	$260,000	8,856
Salaries and employee benefits	$144,000	8,851
Premises and equipment expense	$21,000	8,923
Additional noninterest expense	$95,000	8,526
Pre-tax net operating income	$86,000	8,111
Securities gains (losses)	$0	3,782
Applicable income taxes	$20,000	6,596
Income before extraordinary items	$66,000	8,271
Extraordinary gains, net	$0	30
Net income	$66,000	8,272
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$66,000	8,130
2003-03-31 (YTD Data)		Rank
Total interest income	$239,000	8,816
Total interest expense	$78,000	8,694
Net interest income	$161,000	8,782
Provision for loan and lease losses	$0	6,934
Total noninterest income	$16,000	8,775
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$11,000	7,586
Trading account gains and fees	$0	134
Additional Noninterest Income	$5,000	8,460
Total noninterest expense	$128,000	8,910
Salaries and employee benefits	$74,000	8,864
Premises and equipment expense	$10,000	8,968
Additional noninterest expense	$44,000	8,661
Pre-tax net operating income	$49,000	8,008
Securities gains (losses)	$0	2,891
Applicable income taxes	$11,000	6,507
Income before extraordinary items	$38,000	8,130
Extraordinary gains, net	$0	21
Net income	$38,000	8,131
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	$38,000	7,987
2002-12-31 (YTD Data)		Rank
Total interest income	$1,025,000	8,828
Total interest expense	$345,000	8,801
Net interest income	$680,000	8,768
Provision for loan and lease losses	$0	8,089
Total noninterest income	$75,000	8,691
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$50,000	7,525
Trading account gains and fees	$0	153
Additional Noninterest Income	$25,000	8,373
Total noninterest expense	$526,000	8,937
Salaries and employee benefits	$295,000	8,916
Premises and equipment expense	$53,000	8,846
Additional noninterest expense	$178,000	8,695
Pre-tax net operating income	$229,000	7,827
Securities gains (losses)	$0	4,537
Applicable income taxes	$55,000	6,468
Income before extraordinary items	$174,000	7,974
Extraordinary gains, net	$0	70
Net income	$174,000	7,975
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,119
Cash dividends	$35,000	6,093
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$174,000	7,860
2001-12-31 (YTD Data)		Rank
Total interest income	$1,130,000	9,050
Total interest expense	$460,000	9,082
Net interest income	$670,000	8,904
Provision for loan and lease losses	$0	8,228
Total noninterest income	$67,000	8,951
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$56,000	7,471
Trading account gains and fees	$0	177
Additional Noninterest Income	$11,000	9,089
Total noninterest expense	$504,000	9,169
Salaries and employee benefits	$272,000	9,169
Premises and equipment expense	$68,000	8,826
Additional noninterest expense	$164,000	8,958
Pre-tax net operating income	$233,000	7,721
Securities gains (losses)	$0	4,612
Applicable income taxes	$58,000	6,573
Income before extraordinary items	$175,000	7,891
Extraordinary gains, net	$0	105
Net income	$175,000	7,894
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,017
Cash dividends	$125,000	5,533
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$175,000	7,779
2000-12-31 (YTD Data)		Rank
Total interest income	$1,117,000	9,305
Total interest expense	$457,000	9,327
Net interest income	$660,000	9,205
Provision for loan and lease losses	$0	8,337
Total noninterest income	$47,000	9,376
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	7,880
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	9,518
Total noninterest expense	$494,000	9,406
Salaries and employee benefits	$271,000	9,380
Premises and equipment expense	$60,000	9,173
Additional noninterest expense	$163,000	9,133
Pre-tax net operating income	$213,000	8,316
Securities gains (losses)	$0	1,956
Applicable income taxes	$50,000	7,236
Income before extraordinary items	$163,000	8,329
Extraordinary gains, net	$0	38
Net income	$163,000	8,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	9,082
Cash dividends	$125,000	5,708
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$163,000	8,332
1999-12-31 (YTD Data)		Rank
Total interest income	$1,059,000	9,554
Total interest expense	$448,000	9,550
Net interest income	$611,000	9,484
Provision for loan and lease losses	$0	8,503
Total noninterest income	$57,000	9,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$48,000	7,891
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	9,783
Total noninterest expense	$478,000	9,688
Salaries and employee benefits	$260,000	9,670
Premises and equipment expense	$56,000	9,517
Additional noninterest expense	$162,000	9,416
Pre-tax net operating income	$190,000	8,630
Securities gains (losses)	$0	3,155
Applicable income taxes	$42,000	7,769
Income before extraordinary items	$148,000	8,652
Extraordinary gains, net	$0	35
Net income	$148,000	8,651
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	9,592
Cash dividends	$125,000	5,846
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$148,000	8,612
1998-12-31 (YTD Data)		Rank
Total interest income	$1,065,000	9,795
Total interest expense	$450,000	9,802
Net interest income	$615,000	9,695
Provision for loan and lease losses	$0	8,652
Total noninterest income	$59,000	9,700
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	8,015
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	10,056
Total noninterest expense	$458,000	9,908
Salaries and employee benefits	$254,000	9,860
Premises and equipment expense	$58,000	9,619
Additional noninterest expense	$146,000	9,694
Pre-tax net operating income	$216,000	8,836
Securities gains (losses)	$0	4,449
Applicable income taxes	$64,000	8,091
Income before extraordinary items	$152,000	8,966
Extraordinary gains, net	$0	32
Net income	$152,000	8,964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	9,619
Cash dividends	$100,000	6,234
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$152,000	8,898
1997-12-31 (YTD Data)		Rank
Total interest income	$1,077,000	10,227
Total interest expense	$427,000	10,271
Net interest income	$650,000	10,066
Provision for loan and lease losses	$0	8,829
Total noninterest income	$63,000	10,061
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$54,000	8,315
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,000	10,473
Total noninterest expense	$435,000	10,374
Salaries and employee benefits	$252,000	10,254
Premises and equipment expense	$51,000	10,179
Additional noninterest expense	$132,000	10,207
Pre-tax net operating income	$278,000	9,129
Securities gains (losses)	$0	3,944
Applicable income taxes	$83,000	8,702
Income before extraordinary items	$195,000	9,198
Extraordinary gains, net	$0	44
Net income	$195,000	9,201
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	10,368
Cash dividends	$109,000	6,373
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$195,000	9,149
1996-12-31 (YTD Data)		Rank
Total interest income	$1,039,000	10,762
Total interest expense	$458,000	10,724
Net interest income	$581,000	10,707
Provision for loan and lease losses	$0	9,041
Total noninterest income	$82,000	10,243
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$62,000	8,488
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	10,411
Total noninterest expense	$397,000	10,980
Salaries and employee benefits	$227,000	10,863
Premises and equipment expense	$24,000	11,240
Additional noninterest expense	$146,000	10,592
Pre-tax net operating income	$266,000	9,364
Securities gains (losses)	$0	4,148
Applicable income taxes	$82,000	9,093
Income before extraordinary items	$184,000	9,454
Extraordinary gains, net	$0	53
Net income	$184,000	9,455
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-20,000	10,693
Cash dividends	$99,000	6,788
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$184,000	9,394
1995-12-31 (YTD Data)		Rank
Total interest income	$936,000	11,381
Total interest expense	$405,000	11,310
Net interest income	$531,000	11,320
Provision for loan and lease losses	$0	8,958
Total noninterest income	$76,000	10,814
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	9,088
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	10,833
Total noninterest expense	$388,000	11,466
Salaries and employee benefits	$223,000	11,353
Premises and equipment expense	$23,000	11,756
Additional noninterest expense	$142,000	11,157
Pre-tax net operating income	$219,000	10,332
Securities gains (losses)	$0	3,831
Applicable income taxes	$48,000	10,228
Income before extraordinary items	$171,000	10,254
Extraordinary gains, net	$0	65
Net income	$171,000	10,256
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-29,000	11,211
Cash dividends	$64,000	7,502
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$171,000	10,227
1994-12-31 (YTD Data)		Rank
Total interest income	$821,000	12,034
Total interest expense	$313,000	11,984
Net interest income	$508,000	11,978
Provision for loan and lease losses	$-50,000	11,988
Total noninterest income	$61,000	11,700
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$53,000	9,590
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,000	12,207
Total noninterest expense	$398,000	12,051
Salaries and employee benefits	$213,000	11,971
Premises and equipment expense	$23,000	12,384
Additional noninterest expense	$162,000	11,632
Pre-tax net operating income	$221,000	10,731
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$61,000	10,200
Income before extraordinary items	$161,000	10,690
Extraordinary gains, net	$0	249
Net income	$161,000	10,696
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-23,000	11,354
Cash dividends	$105,000	6,763
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$160,270	10,744
1993-12-31 (YTD Data)		Rank
Total interest income	$828,000	12,621
Total interest expense	$312,000	12,626
Net interest income	$516,000	12,507
Provision for loan and lease losses	$0	10,371
Total noninterest income	$66,000	12,174
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$48,000	10,145
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	12,177
Total noninterest expense	$365,000	12,777
Salaries and employee benefits	$202,000	12,618
Premises and equipment expense	$18,000	13,121
Additional noninterest expense	$145,000	12,490
Pre-tax net operating income	$217,000	10,893
Securities gains (losses)	$50,000	3,394
Applicable income taxes	$85,000	10,101
Income before extraordinary items	$182,000	10,841
Extraordinary gains, net	$0	3,149
Net income	$182,000	10,948
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-52,000	12,684
Cash dividends	$49,000	8,034
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$148,000	11,019
1992-12-31 (YTD Data)		Rank
Total interest income	$841,000	13,288
Total interest expense	$366,000	13,313
Net interest income	$475,000	13,158
Provision for loan and lease losses	$-20,000	13,523
Total noninterest income	$68,000	12,626
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	10,228
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	12,899
Total noninterest expense	$377,000	13,275
Salaries and employee benefits	$206,000	13,088
Premises and equipment expense	$19,000	13,693
Additional noninterest expense	$152,000	12,921
Pre-tax net operating income	$186,000	11,206
Securities gains (losses)	$2,000	7,695
Applicable income taxes	$60,000	10,985
Income before extraordinary items	$128,000	11,574
Extraordinary gains, net	$0	1,422
Net income	$128,000	11,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	12,698
Cash dividends	$99,000	6,698
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$126,640	11,270

* 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.