Home > Dallas National Bank > Income and Expense
Dallas National Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $970,000 | 6,290 |
| Total interest expense | $306,000 | 6,801 |
| Net interest income | $664,000 | 5,827 |
| Provision for loan and lease losses | $53,000 | 3,737 |
| Total noninterest income | $64,000 | 6,259 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $69,000 | 4,175 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-5,000 | 8,391 |
| Total noninterest expense | $655,000 | 5,564 |
| Salaries and employee benefits | $256,000 | 6,463 |
| Premises and equipment expense | $79,000 | 5,756 |
| Additional noninterest expense | $320,000 | 3,920 |
| Pre-tax net operating income | $20,000 | 6,969 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-9,000 | 7,832 |
| Income before extraordinary items | $29,000 | 6,889 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $29,000 | 6,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $29,000 | 6,796 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,218,000 | 5,600 |
| Total interest expense | $1,365,000 | 6,619 |
| Net interest income | $3,853,000 | 4,743 |
| Provision for loan and lease losses | $30,000 | 6,068 |
| Total noninterest income | $492,000 | 5,065 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $352,000 | 3,768 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $140,000 | 5,691 |
| Total noninterest expense | $4,867,000 | 3,520 |
| Salaries and employee benefits | $3,150,000 | 3,093 |
| Premises and equipment expense | $458,000 | 4,620 |
| Additional noninterest expense | $1,259,000 | 3,938 |
| Pre-tax net operating income | $-552,000 | 7,839 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-212,000 | 8,134 |
| Income before extraordinary items | $-340,000 | 7,806 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-340,000 | 7,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,777 |
| Cash dividends | $248,000 | 4,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-340,000 | 7,788 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,881,000 | 5,649 |
| Total interest expense | $977,000 | 6,732 |
| Net interest income | $2,904,000 | 4,735 |
| Provision for loan and lease losses | $30,000 | 5,532 |
| Total noninterest income | $392,000 | 4,957 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $268,000 | 3,739 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $124,000 | 5,418 |
| Total noninterest expense | $2,560,000 | 4,585 |
| Salaries and employee benefits | $1,287,000 | 4,878 |
| Premises and equipment expense | $332,000 | 4,709 |
| Additional noninterest expense | $941,000 | 3,894 |
| Pre-tax net operating income | $706,000 | 5,103 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $185,000 | 3,806 |
| Income before extraordinary items | $521,000 | 5,302 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $521,000 | 5,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,110 |
| Cash dividends | $135,000 | 4,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $521,000 | 5,290 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,566,000 | 5,706 |
| Total interest expense | $616,000 | 6,859 |
| Net interest income | $1,950,000 | 4,745 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $272,000 | 4,886 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $184,000 | 3,680 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $88,000 | 5,345 |
| Total noninterest expense | $1,596,000 | 4,824 |
| Salaries and employee benefits | $880,000 | 4,822 |
| Premises and equipment expense | $219,000 | 4,750 |
| Additional noninterest expense | $497,000 | 4,603 |
| Pre-tax net operating income | $596,000 | 4,677 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $166,000 | 3,510 |
| Income before extraordinary items | $430,000 | 4,900 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $430,000 | 4,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,510 |
| Cash dividends | $67,000 | 4,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $430,000 | 4,901 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,203,000 | 5,872 |
| Total interest expense | $273,000 | 7,095 |
| Net interest income | $930,000 | 4,907 |
| Provision for loan and lease losses | $27,000 | 4,065 |
| Total noninterest income | $142,000 | 4,760 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $93,000 | 3,596 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $49,000 | 5,151 |
| Total noninterest expense | $758,000 | 4,980 |
| Salaries and employee benefits | $450,000 | 4,781 |
| Premises and equipment expense | $114,000 | 4,662 |
| Additional noninterest expense | $194,000 | 5,363 |
| Pre-tax net operating income | $287,000 | 4,748 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $79,000 | 3,593 |
| Income before extraordinary items | $208,000 | 4,967 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $208,000 | 4,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,057 |
| Cash dividends | $66,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $208,000 | 4,954 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,859,000 | 5,637 |
| Total interest expense | $1,003,000 | 6,943 |
| Net interest income | $3,856,000 | 4,761 |
| Provision for loan and lease losses | $126,000 | 4,307 |
| Total noninterest income | $2,610,000 | 1,816 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $580,000 | 2,756 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,030,000 | 1,334 |
| Total noninterest expense | $3,562,000 | 4,352 |
| Salaries and employee benefits | $1,881,000 | 4,480 |
| Premises and equipment expense | $487,000 | 4,347 |
| Additional noninterest expense | $1,194,000 | 3,952 |
| Pre-tax net operating income | $2,778,000 | 2,921 |
| Securities gains (losses) | $-743,000 | 8,554 |
| Applicable income taxes | $607,000 | 2,872 |
| Income before extraordinary items | $1,428,000 | 3,883 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,428,000 | 3,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,383 |
| Cash dividends | $129,000 | 5,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,948,100 | 3,142 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,603,000 | 5,669 |
| Total interest expense | $700,000 | 7,057 |
| Net interest income | $2,903,000 | 4,784 |
| Provision for loan and lease losses | $126,000 | 3,745 |
| Total noninterest income | $584,000 | 4,132 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $469,000 | 2,606 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $115,000 | 5,593 |
| Total noninterest expense | $2,644,000 | 4,360 |
| Salaries and employee benefits | $1,368,000 | 4,548 |
| Premises and equipment expense | $362,000 | 4,370 |
| Additional noninterest expense | $914,000 | 3,874 |
| Pre-tax net operating income | $717,000 | 5,465 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $178,000 | 4,288 |
| Income before extraordinary items | $539,000 | 5,605 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $539,000 | 5,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 1,778 |
| Cash dividends | $129,000 | 4,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $539,000 | 5,598 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,372,000 | 5,680 |
| Total interest expense | $417,000 | 7,211 |
| Net interest income | $1,955,000 | 4,781 |
| Provision for loan and lease losses | $92,000 | 3,443 |
| Total noninterest income | $426,000 | 3,903 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $341,000 | 2,405 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $85,000 | 5,470 |
| Total noninterest expense | $1,785,000 | 4,331 |
| Salaries and employee benefits | $934,000 | 4,484 |
| Premises and equipment expense | $247,000 | 4,309 |
| Additional noninterest expense | $604,000 | 3,900 |
| Pre-tax net operating income | $504,000 | 5,384 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $124,000 | 4,267 |
| Income before extraordinary items | $380,000 | 5,502 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $380,000 | 5,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,422 |
| Cash dividends | $60,000 | 4,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $380,000 | 5,498 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,148,000 | 5,723 |
| Total interest expense | $196,000 | 7,257 |
| Net interest income | $952,000 | 4,856 |
| Provision for loan and lease losses | $39,000 | 3,587 |
| Total noninterest income | $215,000 | 3,820 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $165,000 | 2,396 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $50,000 | 5,119 |
| Total noninterest expense | $890,000 | 4,349 |
| Salaries and employee benefits | $474,000 | 4,450 |
| Premises and equipment expense | $128,000 | 4,229 |
| Additional noninterest expense | $288,000 | 4,029 |
| Pre-tax net operating income | $238,000 | 5,476 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $59,000 | 4,298 |
| Income before extraordinary items | $179,000 | 5,573 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $179,000 | 5,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,300 |
| Cash dividends | $60,000 | 3,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $179,000 | 5,567 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,572,000 | 5,437 |
| Total interest expense | $776,000 | 6,849 |
| Net interest income | $3,796,000 | 4,783 |
| Provision for loan and lease losses | $96,000 | 4,889 |
| Total noninterest income | $732,000 | 4,257 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $550,000 | 2,844 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $182,000 | 5,351 |
| Total noninterest expense | $3,720,000 | 4,084 |
| Salaries and employee benefits | $1,895,000 | 4,289 |
| Premises and equipment expense | $663,000 | 3,382 |
| Additional noninterest expense | $1,162,000 | 3,946 |
| Pre-tax net operating income | $712,000 | 6,121 |
| Securities gains (losses) | $10,000 | 1,476 |
| Applicable income taxes | $159,000 | 4,934 |
| Income before extraordinary items | $563,000 | 6,131 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $563,000 | 6,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,381 |
| Cash dividends | $274,000 | 4,538 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $555,200 | 6,130 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,385,000 | 5,444 |
| Total interest expense | $584,000 | 6,776 |
| Net interest income | $2,801,000 | 4,838 |
| Provision for loan and lease losses | $80,000 | 4,606 |
| Total noninterest income | $561,000 | 4,220 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $422,000 | 2,798 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $139,000 | 5,331 |
| Total noninterest expense | $2,757,000 | 4,094 |
| Salaries and employee benefits | $1,400,000 | 4,318 |
| Premises and equipment expense | $504,000 | 3,342 |
| Additional noninterest expense | $853,000 | 3,984 |
| Pre-tax net operating income | $525,000 | 6,304 |
| Securities gains (losses) | $10,000 | 1,474 |
| Applicable income taxes | $114,000 | 5,107 |
| Income before extraordinary items | $421,000 | 6,257 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $421,000 | 6,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,033 |
| Cash dividends | $98,000 | 4,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $413,100 | 6,255 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,248,000 | 5,393 |
| Total interest expense | $377,000 | 6,739 |
| Net interest income | $1,871,000 | 4,814 |
| Provision for loan and lease losses | $34,000 | 5,063 |
| Total noninterest income | $360,000 | 4,304 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $253,000 | 2,994 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $107,000 | 5,049 |
| Total noninterest expense | $1,834,000 | 4,078 |
| Salaries and employee benefits | $935,000 | 4,287 |
| Premises and equipment expense | $333,000 | 3,321 |
| Additional noninterest expense | $566,000 | 3,977 |
| Pre-tax net operating income | $363,000 | 6,208 |
| Securities gains (losses) | $8,000 | 1,424 |
| Applicable income taxes | $80,000 | 5,075 |
| Income before extraordinary items | $291,000 | 6,184 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $291,000 | 6,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,491 |
| Cash dividends | $45,000 | 4,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $284,760 | 6,176 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,105,000 | 5,431 |
| Total interest expense | $180,000 | 6,789 |
| Net interest income | $925,000 | 4,873 |
| Provision for loan and lease losses | $16,000 | 4,844 |
| Total noninterest income | $180,000 | 4,243 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $132,000 | 2,810 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $48,000 | 5,277 |
| Total noninterest expense | $931,000 | 4,053 |
| Salaries and employee benefits | $478,000 | 4,242 |
| Premises and equipment expense | $169,000 | 3,324 |
| Additional noninterest expense | $284,000 | 3,974 |
| Pre-tax net operating income | $158,000 | 6,458 |
| Securities gains (losses) | $-1,000 | 8,158 |
| Applicable income taxes | $33,000 | 5,220 |
| Income before extraordinary items | $124,000 | 6,503 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $124,000 | 6,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $45,000 | 3,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $124,790 | 6,458 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,976,000 | 5,573 |
| Total interest expense | $583,000 | 7,010 |
| Net interest income | $3,393,000 | 5,010 |
| Provision for loan and lease losses | $168,000 | 4,049 |
| Total noninterest income | $653,000 | 4,595 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $425,000 | 3,499 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $228,000 | 4,823 |
| Total noninterest expense | $3,512,000 | 4,169 |
| Salaries and employee benefits | $1,843,000 | 4,258 |
| Premises and equipment expense | $685,000 | 3,181 |
| Additional noninterest expense | $984,000 | 4,405 |
| Pre-tax net operating income | $366,000 | 7,217 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $32,000 | 6,314 |
| Income before extraordinary items | $334,000 | 7,087 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $334,000 | 7,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,905 |
| Cash dividends | $195,000 | 4,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $334,000 | 7,032 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,917,000 | 5,633 |
| Total interest expense | $427,000 | 7,062 |
| Net interest income | $2,490,000 | 5,074 |
| Provision for loan and lease losses | $147,000 | 3,580 |
| Total noninterest income | $530,000 | 4,366 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $310,000 | 3,585 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $220,000 | 4,322 |
| Total noninterest expense | $2,570,000 | 4,221 |
| Salaries and employee benefits | $1,378,000 | 4,247 |
| Premises and equipment expense | $523,000 | 3,132 |
| Additional noninterest expense | $669,000 | 4,687 |
| Pre-tax net operating income | $303,000 | 7,191 |
| Securities gains (losses) | $-42,000 | 8,781 |
| Applicable income taxes | $15,000 | 6,651 |
| Income before extraordinary items | $246,000 | 7,232 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $246,000 | 7,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,159 |
| Cash dividends | $107,000 | 4,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $285,480 | 6,933 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,955,000 | 5,619 |
| Total interest expense | $290,000 | 7,056 |
| Net interest income | $1,665,000 | 5,060 |
| Provision for loan and lease losses | $87,000 | 3,810 |
| Total noninterest income | $315,000 | 4,706 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $202,000 | 3,621 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $113,000 | 4,921 |
| Total noninterest expense | $1,720,000 | 4,228 |
| Salaries and employee benefits | $922,000 | 4,236 |
| Premises and equipment expense | $354,000 | 3,094 |
| Additional noninterest expense | $444,000 | 4,721 |
| Pre-tax net operating income | $173,000 | 7,395 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $10,000 | 6,651 |
| Income before extraordinary items | $167,000 | 7,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $167,000 | 7,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,280 |
| Cash dividends | $69,000 | 4,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $163,240 | 7,161 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $959,000 | 5,711 |
| Total interest expense | $132,000 | 7,324 |
| Net interest income | $827,000 | 5,099 |
| Provision for loan and lease losses | $35,000 | 3,916 |
| Total noninterest income | $157,000 | 4,665 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $102,000 | 3,536 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $55,000 | 4,930 |
| Total noninterest expense | $863,000 | 4,227 |
| Salaries and employee benefits | $468,000 | 4,219 |
| Premises and equipment expense | $179,000 | 3,096 |
| Additional noninterest expense | $216,000 | 4,804 |
| Pre-tax net operating income | $86,000 | 7,376 |
| Securities gains (losses) | $6,000 | 2,267 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $86,000 | 7,129 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $86,000 | 7,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,764 |
| Cash dividends | $34,000 | 3,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $80,420 | 7,139 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,594,000 | 5,963 |
| Total interest expense | $556,000 | 7,546 |
| Net interest income | $3,038,000 | 5,272 |
| Provision for loan and lease losses | $153,000 | 4,541 |
| Total noninterest income | $711,000 | 4,515 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $425,000 | 3,517 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $286,000 | 4,601 |
| Total noninterest expense | $3,353,000 | 4,268 |
| Salaries and employee benefits | $1,855,000 | 4,166 |
| Premises and equipment expense | $593,000 | 3,554 |
| Additional noninterest expense | $905,000 | 4,606 |
| Pre-tax net operating income | $243,000 | 7,664 |
| Securities gains (losses) | $113,000 | 1,785 |
| Applicable income taxes | $61,000 | 6,143 |
| Income before extraordinary items | $295,000 | 7,300 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $295,000 | 7,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 3,031 |
| Cash dividends | $277,000 | 4,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $201,210 | 7,630 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,659,000 | 6,078 |
| Total interest expense | $425,000 | 7,663 |
| Net interest income | $2,234,000 | 5,345 |
| Provision for loan and lease losses | $133,000 | 4,187 |
| Total noninterest income | $527,000 | 4,599 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $314,000 | 3,563 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $213,000 | 4,667 |
| Total noninterest expense | $2,458,000 | 4,325 |
| Salaries and employee benefits | $1,374,000 | 4,200 |
| Premises and equipment expense | $416,000 | 3,746 |
| Additional noninterest expense | $668,000 | 4,629 |
| Pre-tax net operating income | $170,000 | 7,875 |
| Securities gains (losses) | $113,000 | 1,647 |
| Applicable income taxes | $72,000 | 5,906 |
| Income before extraordinary items | $211,000 | 7,522 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $211,000 | 7,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,572 |
| Cash dividends | $174,000 | 4,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $126,250 | 7,926 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,783,000 | 6,095 |
| Total interest expense | $294,000 | 7,712 |
| Net interest income | $1,489,000 | 5,346 |
| Provision for loan and lease losses | $113,000 | 3,672 |
| Total noninterest income | $341,000 | 4,646 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $208,000 | 3,524 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $133,000 | 4,798 |
| Total noninterest expense | $1,561,000 | 4,450 |
| Salaries and employee benefits | $922,000 | 4,174 |
| Premises and equipment expense | $246,000 | 4,101 |
| Additional noninterest expense | $393,000 | 5,068 |
| Pre-tax net operating income | $156,000 | 7,559 |
| Securities gains (losses) | $22,000 | 2,556 |
| Applicable income taxes | $37,000 | 6,172 |
| Income before extraordinary items | $141,000 | 7,538 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $141,000 | 7,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 2,411 |
| Cash dividends | $141,000 | 3,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $123,620 | 7,542 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $902,000 | 6,093 |
| Total interest expense | $150,000 | 7,759 |
| Net interest income | $752,000 | 5,305 |
| Provision for loan and lease losses | $22,000 | 5,127 |
| Total noninterest income | $190,000 | 4,295 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $105,000 | 3,424 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $85,000 | 4,228 |
| Total noninterest expense | $751,000 | 4,571 |
| Salaries and employee benefits | $449,000 | 4,253 |
| Premises and equipment expense | $120,000 | 4,153 |
| Additional noninterest expense | $182,000 | 5,306 |
| Pre-tax net operating income | $169,000 | 6,228 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $49,000 | 5,135 |
| Income before extraordinary items | $120,000 | 6,547 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $120,000 | 6,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 1,572 |
| Cash dividends | $89,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $120,000 | 6,380 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,507,000 | 6,335 |
| Total interest expense | $666,000 | 7,907 |
| Net interest income | $2,841,000 | 5,469 |
| Provision for loan and lease losses | $61,000 | 6,435 |
| Total noninterest income | $726,000 | 4,235 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $401,000 | 3,537 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $325,000 | 4,081 |
| Total noninterest expense | $2,757,000 | 4,742 |
| Salaries and employee benefits | $1,536,000 | 4,607 |
| Premises and equipment expense | $444,000 | 4,304 |
| Additional noninterest expense | $777,000 | 5,035 |
| Pre-tax net operating income | $749,000 | 5,930 |
| Securities gains (losses) | $148,000 | 1,401 |
| Applicable income taxes | $287,000 | 4,521 |
| Income before extraordinary items | $610,000 | 5,925 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $610,000 | 5,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,572 |
| Cash dividends | $291,000 | 4,390 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $509,360 | 6,201 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,772,000 | 6,523 |
| Total interest expense | $1,138,000 | 7,726 |
| Net interest income | $2,634,000 | 5,544 |
| Provision for loan and lease losses | $141,000 | 4,914 |
| Total noninterest income | $450,000 | 5,365 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $289,000 | 4,253 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $161,000 | 5,396 |
| Total noninterest expense | $2,551,000 | 4,893 |
| Salaries and employee benefits | $1,372,000 | 4,830 |
| Premises and equipment expense | $440,000 | 4,301 |
| Additional noninterest expense | $739,000 | 5,070 |
| Pre-tax net operating income | $392,000 | 7,019 |
| Securities gains (losses) | $500,000 | 611 |
| Applicable income taxes | $285,000 | 4,374 |
| Income before extraordinary items | $607,000 | 5,591 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $607,000 | 5,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,057 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $267,000 | 7,215 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,288,000 | 7,126 |
| Total interest expense | $1,252,000 | 7,692 |
| Net interest income | $2,036,000 | 6,511 |
| Provision for loan and lease losses | $134,000 | 4,637 |
| Total noninterest income | $376,000 | 5,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 4,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,346 |
| Total noninterest expense | $1,949,000 | 5,766 |
| Salaries and employee benefits | $1,040,000 | 5,768 |
| Premises and equipment expense | $340,000 | 5,036 |
| Additional noninterest expense | $569,000 | 5,965 |
| Pre-tax net operating income | $329,000 | 7,784 |
| Securities gains (losses) | $192,000 | 417 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $521,000 | 6,207 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $521,000 | 6,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,446 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $329,000 | 7,292 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,025,000 | 8,469 |
| Total interest expense | $674,000 | 9,004 |
| Net interest income | $1,351,000 | 7,863 |
| Provision for loan and lease losses | $35,000 | 7,095 |
| Total noninterest income | $240,000 | 7,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 5,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 6,735 |
| Total noninterest expense | $1,416,000 | 7,001 |
| Salaries and employee benefits | $781,000 | 6,838 |
| Premises and equipment expense | $300,000 | 5,462 |
| Additional noninterest expense | $335,000 | 7,830 |
| Pre-tax net operating income | $140,000 | 8,857 |
| Securities gains (losses) | $12,000 | 1,656 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $152,000 | 8,626 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $152,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,765 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $140,000 | 8,671 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,595,000 | 9,168 |
| Total interest expense | $579,000 | 9,525 |
| Net interest income | $1,016,000 | 8,752 |
| Provision for loan and lease losses | $72,000 | 5,801 |
| Total noninterest income | $120,000 | 8,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 7,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,063 |
| Total noninterest expense | $1,123,000 | 7,754 |
| Salaries and employee benefits | $646,000 | 7,488 |
| Premises and equipment expense | $255,000 | 5,896 |
| Additional noninterest expense | $222,000 | 8,878 |
| Pre-tax net operating income | $-59,000 | 9,879 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-59,000 | 9,913 |
| Extraordinary gains, net | $-41,000 | 10,410 |
| Net income | $-100,000 | 9,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-59,000 | 9,873 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $710,000 | 10,557 |
| Total interest expense | $225,000 | 10,637 |
| Net interest income | $485,000 | 10,408 |
| Provision for loan and lease losses | $31,000 | 7,344 |
| Total noninterest income | $50,000 | 10,283 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,879 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,956 |
| Total noninterest expense | $991,000 | 8,370 |
| Salaries and employee benefits | $572,000 | 8,108 |
| Premises and equipment expense | $194,000 | 6,955 |
| Additional noninterest expense | $225,000 | 9,123 |
| Pre-tax net operating income | $-487,000 | 10,739 |
| Securities gains (losses) | $22,000 | 1,824 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-465,000 | 10,746 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-465,000 | 10,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-487,000 | 10,734 |
* 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.