Home > First American Bank > Income and Expense
First American Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $20,311,000 | 508 |
| Total interest expense | $9,324,000 | 505 |
| Net interest income | $10,987,000 | 501 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $6,524,000 | 330 |
| Gross Fiduciary activities income | $410,000 | 310 |
| Service charges on deposit accounts | $973,000 | 432 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $5,141,000 | 270 |
| Total noninterest expense | $10,467,000 | 477 |
| Salaries and employee benefits | $6,728,000 | 385 |
| Premises and equipment expense | $1,027,000 | 685 |
| Additional noninterest expense | $2,712,000 | 553 |
| Pre-tax net operating income | $7,044,000 | 308 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $2,371,000 | 293 |
| Income before extraordinary items | $4,673,000 | 337 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $4,673,000 | 338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,294,000 | 269 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $4,673,000 | 323 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $213,235,000 | 233 |
| Total interest expense | $112,332,000 | 214 |
| Net interest income | $100,903,000 | 254 |
| Provision for loan and lease losses | $2,340,000 | 742 |
| Total noninterest income | $63,546,000 | 167 |
| Gross Fiduciary activities income | $2,283,000 | 255 |
| Service charges on deposit accounts | $8,740,000 | 214 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $52,523,000 | 150 |
| Total noninterest expense | $102,851,000 | 217 |
| Salaries and employee benefits | $64,670,000 | 160 |
| Premises and equipment expense | $9,853,000 | 285 |
| Additional noninterest expense | $28,328,000 | 269 |
| Pre-tax net operating income | $59,258,000 | 202 |
| Securities gains (losses) | $-426,000 | 8,349 |
| Applicable income taxes | $18,850,000 | 207 |
| Income before extraordinary items | $39,982,000 | 206 |
| Extraordinary gains, net | $1,151,000 | 9 |
| Net income | $41,133,000 | 197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,119,000 | 944 |
| Cash dividends | $30,625,000 | 181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $40,271,680 | 205 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $158,717,000 | 232 |
| Total interest expense | $83,843,000 | 212 |
| Net interest income | $74,874,000 | 248 |
| Provision for loan and lease losses | $815,000 | 1,069 |
| Total noninterest income | $46,746,000 | 169 |
| Gross Fiduciary activities income | $1,773,000 | 250 |
| Service charges on deposit accounts | $6,196,000 | 218 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $38,777,000 | 148 |
| Total noninterest expense | $77,463,000 | 216 |
| Salaries and employee benefits | $48,850,000 | 160 |
| Premises and equipment expense | $7,320,000 | 290 |
| Additional noninterest expense | $21,293,000 | 256 |
| Pre-tax net operating income | $43,342,000 | 222 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $13,874,000 | 226 |
| Income before extraordinary items | $29,468,000 | 229 |
| Extraordinary gains, net | $1,151,000 | 6 |
| Net income | $30,619,000 | 216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $612,000 | 921 |
| Cash dividends | $25,625,000 | 168 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $29,468,000 | 224 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $101,545,000 | 251 |
| Total interest expense | $53,792,000 | 229 |
| Net interest income | $47,753,000 | 274 |
| Provision for loan and lease losses | $815,000 | 680 |
| Total noninterest income | $30,016,000 | 182 |
| Gross Fiduciary activities income | $1,230,000 | 252 |
| Service charges on deposit accounts | $3,461,000 | 265 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $25,325,000 | 161 |
| Total noninterest expense | $50,280,000 | 227 |
| Salaries and employee benefits | $31,759,000 | 179 |
| Premises and equipment expense | $4,823,000 | 301 |
| Additional noninterest expense | $13,698,000 | 271 |
| Pre-tax net operating income | $26,674,000 | 255 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $8,605,000 | 257 |
| Income before extraordinary items | $18,069,000 | 260 |
| Extraordinary gains, net | $1,149,000 | 5 |
| Net income | $19,218,000 | 248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 902 |
| Cash dividends | $19,500,000 | 175 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $18,069,000 | 256 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $49,518,000 | 254 |
| Total interest expense | $26,197,000 | 232 |
| Net interest income | $23,321,000 | 280 |
| Provision for loan and lease losses | $345,000 | 709 |
| Total noninterest income | $14,081,000 | 186 |
| Gross Fiduciary activities income | $619,000 | 248 |
| Service charges on deposit accounts | $1,652,000 | 266 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $11,810,000 | 156 |
| Total noninterest expense | $24,785,000 | 225 |
| Salaries and employee benefits | $15,547,000 | 182 |
| Premises and equipment expense | $2,399,000 | 303 |
| Additional noninterest expense | $6,839,000 | 261 |
| Pre-tax net operating income | $12,272,000 | 283 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $3,932,000 | 281 |
| Income before extraordinary items | $8,340,000 | 278 |
| Extraordinary gains, net | $170,000 | 9 |
| Net income | $8,510,000 | 274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 1,015 |
| Cash dividends | $7,500,000 | 179 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $8,340,000 | 275 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $188,183,000 | 252 |
| Total interest expense | $94,014,000 | 229 |
| Net interest income | $94,169,000 | 266 |
| Provision for loan and lease losses | $1,645,000 | 668 |
| Total noninterest income | $57,010,000 | 178 |
| Gross Fiduciary activities income | $2,178,000 | 260 |
| Service charges on deposit accounts | $6,447,000 | 270 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,385,000 | 151 |
| Total noninterest expense | $96,572,000 | 220 |
| Salaries and employee benefits | $62,139,000 | 170 |
| Premises and equipment expense | $9,379,000 | 277 |
| Additional noninterest expense | $25,054,000 | 267 |
| Pre-tax net operating income | $52,962,000 | 268 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $17,358,000 | 267 |
| Income before extraordinary items | $35,604,000 | 269 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $35,604,000 | 267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $645,000 | 957 |
| Cash dividends | $29,500,000 | 186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $35,604,000 | 267 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $138,492,000 | 264 |
| Total interest expense | $67,718,000 | 237 |
| Net interest income | $70,774,000 | 280 |
| Provision for loan and lease losses | $1,335,000 | 593 |
| Total noninterest income | $41,902,000 | 196 |
| Gross Fiduciary activities income | $1,460,000 | 274 |
| Service charges on deposit accounts | $4,753,000 | 276 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,689,000 | 165 |
| Total noninterest expense | $71,345,000 | 234 |
| Salaries and employee benefits | $45,584,000 | 184 |
| Premises and equipment expense | $6,932,000 | 295 |
| Additional noninterest expense | $18,829,000 | 278 |
| Pre-tax net operating income | $39,996,000 | 284 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $13,263,000 | 279 |
| Income before extraordinary items | $26,733,000 | 288 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $26,733,000 | 288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $675,000 | 637 |
| Cash dividends | $15,500,000 | 227 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $26,733,000 | 284 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $90,284,000 | 265 |
| Total interest expense | $42,810,000 | 245 |
| Net interest income | $47,474,000 | 278 |
| Provision for loan and lease losses | $925,000 | 553 |
| Total noninterest income | $27,318,000 | 205 |
| Gross Fiduciary activities income | $904,000 | 295 |
| Service charges on deposit accounts | $3,125,000 | 276 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,289,000 | 172 |
| Total noninterest expense | $47,264,000 | 240 |
| Salaries and employee benefits | $30,095,000 | 188 |
| Premises and equipment expense | $4,609,000 | 294 |
| Additional noninterest expense | $12,560,000 | 286 |
| Pre-tax net operating income | $26,603,000 | 285 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $8,898,000 | 284 |
| Income before extraordinary items | $17,705,000 | 292 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $17,705,000 | 292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 937 |
| Cash dividends | $10,500,000 | 212 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $17,705,000 | 287 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $43,406,000 | 267 |
| Total interest expense | $19,999,000 | 245 |
| Net interest income | $23,407,000 | 283 |
| Provision for loan and lease losses | $650,000 | 379 |
| Total noninterest income | $13,931,000 | 198 |
| Gross Fiduciary activities income | $630,000 | 242 |
| Service charges on deposit accounts | $1,503,000 | 276 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,798,000 | 170 |
| Total noninterest expense | $23,213,000 | 241 |
| Salaries and employee benefits | $14,924,000 | 191 |
| Premises and equipment expense | $2,321,000 | 290 |
| Additional noninterest expense | $5,968,000 | 290 |
| Pre-tax net operating income | $13,475,000 | 275 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $4,531,000 | 264 |
| Income before extraordinary items | $8,944,000 | 282 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,944,000 | 281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 1,591 |
| Cash dividends | $5,000,000 | 202 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $8,944,000 | 279 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $147,806,000 | 282 |
| Total interest expense | $57,994,000 | 251 |
| Net interest income | $89,812,000 | 282 |
| Provision for loan and lease losses | $2,530,000 | 420 |
| Total noninterest income | $50,733,000 | 216 |
| Gross Fiduciary activities income | $2,411,000 | 237 |
| Service charges on deposit accounts | $6,791,000 | 255 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,531,000 | 181 |
| Total noninterest expense | $86,308,000 | 247 |
| Salaries and employee benefits | $54,529,000 | 194 |
| Premises and equipment expense | $8,397,000 | 306 |
| Additional noninterest expense | $23,382,000 | 299 |
| Pre-tax net operating income | $51,707,000 | 274 |
| Securities gains (losses) | $72,000 | 815 |
| Applicable income taxes | $17,262,000 | 266 |
| Income before extraordinary items | $34,517,000 | 275 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $34,517,000 | 276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 1,223 |
| Cash dividends | $20,150,000 | 236 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $34,468,760 | 273 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $106,186,000 | 281 |
| Total interest expense | $39,749,000 | 257 |
| Net interest income | $66,437,000 | 285 |
| Provision for loan and lease losses | $1,910,000 | 399 |
| Total noninterest income | $37,393,000 | 223 |
| Gross Fiduciary activities income | $1,811,000 | 233 |
| Service charges on deposit accounts | $5,183,000 | 250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,399,000 | 190 |
| Total noninterest expense | $64,255,000 | 246 |
| Salaries and employee benefits | $40,340,000 | 197 |
| Premises and equipment expense | $6,241,000 | 309 |
| Additional noninterest expense | $17,674,000 | 295 |
| Pre-tax net operating income | $37,665,000 | 278 |
| Securities gains (losses) | $72,000 | 771 |
| Applicable income taxes | $12,534,000 | 283 |
| Income before extraordinary items | $25,203,000 | 283 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $25,203,000 | 284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 1,088 |
| Cash dividends | $15,900,000 | 216 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $25,154,760 | 278 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $67,850,000 | 280 |
| Total interest expense | $24,245,000 | 264 |
| Net interest income | $43,605,000 | 286 |
| Provision for loan and lease losses | $1,075,000 | 468 |
| Total noninterest income | $24,596,000 | 220 |
| Gross Fiduciary activities income | $1,211,000 | 230 |
| Service charges on deposit accounts | $3,404,000 | 247 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $19,981,000 | 194 |
| Total noninterest expense | $42,637,000 | 240 |
| Salaries and employee benefits | $26,565,000 | 196 |
| Premises and equipment expense | $4,081,000 | 308 |
| Additional noninterest expense | $11,991,000 | 286 |
| Pre-tax net operating income | $24,489,000 | 274 |
| Securities gains (losses) | $72,000 | 674 |
| Applicable income taxes | $8,140,000 | 284 |
| Income before extraordinary items | $16,421,000 | 279 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $16,421,000 | 279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 1,061 |
| Cash dividends | $11,900,000 | 179 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $16,372,760 | 273 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $31,438,000 | 291 |
| Total interest expense | $10,842,000 | 268 |
| Net interest income | $20,596,000 | 304 |
| Provision for loan and lease losses | $470,000 | 499 |
| Total noninterest income | $11,624,000 | 225 |
| Gross Fiduciary activities income | $621,000 | 232 |
| Service charges on deposit accounts | $1,518,000 | 261 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,485,000 | 197 |
| Total noninterest expense | $20,075,000 | 258 |
| Salaries and employee benefits | $12,645,000 | 204 |
| Premises and equipment expense | $1,938,000 | 329 |
| Additional noninterest expense | $5,492,000 | 308 |
| Pre-tax net operating income | $11,675,000 | 281 |
| Securities gains (losses) | $72,000 | 452 |
| Applicable income taxes | $3,945,000 | 288 |
| Income before extraordinary items | $7,802,000 | 287 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $7,802,000 | 287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 1,233 |
| Cash dividends | $6,000,000 | 152 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $7,754,480 | 282 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $51,751,000 | 560 |
| Total interest expense | $14,172,000 | 585 |
| Net interest income | $37,579,000 | 549 |
| Provision for loan and lease losses | $1,180,000 | 912 |
| Total noninterest income | $16,911,000 | 431 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $4,166,000 | 420 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $12,745,000 | 357 |
| Total noninterest expense | $31,784,000 | 540 |
| Salaries and employee benefits | $18,241,000 | 493 |
| Premises and equipment expense | $2,600,000 | 863 |
| Additional noninterest expense | $10,943,000 | 503 |
| Pre-tax net operating income | $21,526,000 | 471 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $7,432,000 | 450 |
| Income before extraordinary items | $14,094,000 | 505 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $14,094,000 | 506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 1,667 |
| Cash dividends | $4,950,000 | 634 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $14,094,000 | 491 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $37,765,000 | 572 |
| Total interest expense | $10,317,000 | 584 |
| Net interest income | $27,448,000 | 557 |
| Provision for loan and lease losses | $950,000 | 812 |
| Total noninterest income | $12,753,000 | 442 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,119,000 | 432 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,634,000 | 356 |
| Total noninterest expense | $23,884,000 | 537 |
| Salaries and employee benefits | $13,932,000 | 485 |
| Premises and equipment expense | $1,935,000 | 867 |
| Additional noninterest expense | $8,017,000 | 504 |
| Pre-tax net operating income | $15,367,000 | 478 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $5,279,000 | 465 |
| Income before extraordinary items | $10,088,000 | 520 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $10,088,000 | 521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 1,746 |
| Cash dividends | $2,800,000 | 737 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $10,088,000 | 497 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $24,542,000 | 577 |
| Total interest expense | $6,758,000 | 590 |
| Net interest income | $17,784,000 | 562 |
| Provision for loan and lease losses | $520,000 | 951 |
| Total noninterest income | $7,845,000 | 453 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,035,000 | 434 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,810,000 | 375 |
| Total noninterest expense | $15,711,000 | 541 |
| Salaries and employee benefits | $9,265,000 | 483 |
| Premises and equipment expense | $1,297,000 | 860 |
| Additional noninterest expense | $5,149,000 | 523 |
| Pre-tax net operating income | $9,398,000 | 508 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $3,185,000 | 504 |
| Income before extraordinary items | $6,213,000 | 570 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,213,000 | 569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,528 |
| Cash dividends | $2,800,000 | 526 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $6,213,000 | 542 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $12,048,000 | 596 |
| Total interest expense | $3,379,000 | 602 |
| Net interest income | $8,669,000 | 579 |
| Provision for loan and lease losses | $190,000 | 1,202 |
| Total noninterest income | $3,643,000 | 478 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $989,000 | 435 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,654,000 | 397 |
| Total noninterest expense | $7,784,000 | 551 |
| Salaries and employee benefits | $4,623,000 | 490 |
| Premises and equipment expense | $656,000 | 867 |
| Additional noninterest expense | $2,505,000 | 531 |
| Pre-tax net operating income | $4,338,000 | 543 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,441,000 | 548 |
| Income before extraordinary items | $2,897,000 | 597 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,897,000 | 596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,346 |
| Cash dividends | $1,400,000 | 496 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,897,000 | 558 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $47,551,000 | 589 |
| Total interest expense | $14,877,000 | 604 |
| Net interest income | $32,674,000 | 583 |
| Provision for loan and lease losses | $675,000 | 1,666 |
| Total noninterest income | $16,336,000 | 462 |
| Gross Fiduciary activities income | $19,000 | 1,256 |
| Service charges on deposit accounts | $3,865,000 | 441 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $12,452,000 | 385 |
| Total noninterest expense | $32,550,000 | 540 |
| Salaries and employee benefits | $18,738,000 | 472 |
| Premises and equipment expense | $2,621,000 | 852 |
| Additional noninterest expense | $11,191,000 | 506 |
| Pre-tax net operating income | $15,785,000 | 572 |
| Securities gains (losses) | $27,000 | 3,018 |
| Applicable income taxes | $5,297,000 | 594 |
| Income before extraordinary items | $10,515,000 | 634 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $10,515,000 | 636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $693,000 | 1,239 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $10,496,910 | 592 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $35,292,000 | 607 |
| Total interest expense | $11,450,000 | 616 |
| Net interest income | $23,842,000 | 612 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $12,436,000 | 478 |
| Gross Fiduciary activities income | $15,000 | 1,226 |
| Service charges on deposit accounts | $2,875,000 | 450 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,546,000 | 397 |
| Total noninterest expense | $24,598,000 | 554 |
| Salaries and employee benefits | $14,093,000 | 485 |
| Premises and equipment expense | $1,955,000 | 880 |
| Additional noninterest expense | $8,550,000 | 510 |
| Pre-tax net operating income | $11,230,000 | 618 |
| Securities gains (losses) | $27,000 | 2,773 |
| Applicable income taxes | $3,734,000 | 649 |
| Income before extraordinary items | $7,523,000 | 684 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,523,000 | 685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $750,000 | 850 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,504,910 | 641 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $23,166,000 | 625 |
| Total interest expense | $7,779,000 | 625 |
| Net interest income | $15,387,000 | 630 |
| Provision for loan and lease losses | $225,000 | 2,308 |
| Total noninterest income | $7,886,000 | 484 |
| Gross Fiduciary activities income | $11,000 | 1,214 |
| Service charges on deposit accounts | $1,898,000 | 449 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,977,000 | 411 |
| Total noninterest expense | $16,006,000 | 556 |
| Salaries and employee benefits | $9,385,000 | 484 |
| Premises and equipment expense | $1,294,000 | 883 |
| Additional noninterest expense | $5,327,000 | 538 |
| Pre-tax net operating income | $7,042,000 | 646 |
| Securities gains (losses) | $23,000 | 2,537 |
| Applicable income taxes | $2,319,000 | 688 |
| Income before extraordinary items | $4,746,000 | 723 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,746,000 | 724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $748,000 | 632 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,730,590 | 672 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $11,356,000 | 646 |
| Total interest expense | $3,893,000 | 634 |
| Net interest income | $7,463,000 | 648 |
| Provision for loan and lease losses | $225,000 | 1,208 |
| Total noninterest income | $3,654,000 | 515 |
| Gross Fiduciary activities income | $7,000 | 1,175 |
| Service charges on deposit accounts | $925,000 | 451 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,722,000 | 442 |
| Total noninterest expense | $7,788,000 | 567 |
| Salaries and employee benefits | $4,470,000 | 505 |
| Premises and equipment expense | $667,000 | 864 |
| Additional noninterest expense | $2,651,000 | 534 |
| Pre-tax net operating income | $3,104,000 | 735 |
| Securities gains (losses) | $5,000 | 2,406 |
| Applicable income taxes | $995,000 | 798 |
| Income before extraordinary items | $2,114,000 | 804 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,114,000 | 803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $670,000 | 407 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,110,600 | 740 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $46,662,000 | 655 |
| Total interest expense | $17,387,000 | 652 |
| Net interest income | $29,275,000 | 652 |
| Provision for loan and lease losses | $400,000 | 2,829 |
| Total noninterest income | $12,624,000 | 546 |
| Gross Fiduciary activities income | $23,000 | 1,252 |
| Service charges on deposit accounts | $3,401,000 | 482 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,200,000 | 458 |
| Total noninterest expense | $27,850,000 | 594 |
| Salaries and employee benefits | $16,167,000 | 524 |
| Premises and equipment expense | $2,582,000 | 847 |
| Additional noninterest expense | $9,101,000 | 599 |
| Pre-tax net operating income | $13,649,000 | 645 |
| Securities gains (losses) | $6,000 | 3,879 |
| Applicable income taxes | $4,397,000 | 666 |
| Income before extraordinary items | $9,258,000 | 688 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $9,258,000 | 689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-190,000 | 9,285 |
| Cash dividends | $2,400,000 | 1,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $9,253,920 | 651 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $37,547,000 | 911 |
| Total interest expense | $18,537,000 | 884 |
| Net interest income | $19,010,000 | 936 |
| Provision for loan and lease losses | $510,000 | 2,161 |
| Total noninterest income | $8,065,000 | 698 |
| Gross Fiduciary activities income | $19,000 | 1,312 |
| Service charges on deposit accounts | $1,894,000 | 777 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,152,000 | 564 |
| Total noninterest expense | $17,915,000 | 843 |
| Salaries and employee benefits | $9,888,000 | 750 |
| Premises and equipment expense | $1,756,000 | 1,206 |
| Additional noninterest expense | $6,271,000 | 802 |
| Pre-tax net operating income | $8,650,000 | 874 |
| Securities gains (losses) | $15,000 | 3,362 |
| Applicable income taxes | $2,747,000 | 899 |
| Income before extraordinary items | $5,918,000 | 925 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,918,000 | 925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $436,000 | 1,717 |
| Cash dividends | $2,227,000 | 1,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,907,800 | 890 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $31,322,000 | 1,121 |
| Total interest expense | $15,802,000 | 1,106 |
| Net interest income | $15,520,000 | 1,132 |
| Provision for loan and lease losses | $618,000 | 1,570 |
| Total noninterest income | $6,142,000 | 795 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,300,000 | 1,036 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $4,842,000 | 645 |
| Total noninterest expense | $13,545,000 | 1,035 |
| Salaries and employee benefits | $7,372,000 | 950 |
| Premises and equipment expense | $1,313,000 | 1,579 |
| Additional noninterest expense | $4,860,000 | 968 |
| Pre-tax net operating income | $7,499,000 | 1,014 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,276,000 | 1,034 |
| Income before extraordinary items | $5,223,000 | 1,026 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,223,000 | 1,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $537,000 | 1,184 |
| Cash dividends | $2,000,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,223,000 | 1,023 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $22,386,000 | 1,456 |
| Total interest expense | $9,781,000 | 1,537 |
| Net interest income | $12,605,000 | 1,379 |
| Provision for loan and lease losses | $680,000 | 1,352 |
| Total noninterest income | $4,518,000 | 1,009 |
| Gross Fiduciary activities income | $3,000 | 1,324 |
| Service charges on deposit accounts | $1,205,000 | 1,109 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,310,000 | 840 |
| Total noninterest expense | $10,418,000 | 1,334 |
| Salaries and employee benefits | $5,553,000 | 1,243 |
| Premises and equipment expense | $1,183,000 | 1,731 |
| Additional noninterest expense | $3,682,000 | 1,251 |
| Pre-tax net operating income | $6,025,000 | 1,271 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,793,000 | 1,359 |
| Income before extraordinary items | $4,232,000 | 1,280 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,232,000 | 1,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,637 |
| Cash dividends | $2,175,000 | 1,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,232,000 | 1,257 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,014,000 | 1,627 |
| Total interest expense | $9,293,000 | 1,658 |
| Net interest income | $10,721,000 | 1,574 |
| Provision for loan and lease losses | $509,000 | 1,697 |
| Total noninterest income | $3,505,000 | 1,190 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,158,000 | 1,094 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,347,000 | 1,054 |
| Total noninterest expense | $8,685,000 | 1,532 |
| Salaries and employee benefits | $4,813,000 | 1,366 |
| Premises and equipment expense | $1,018,000 | 1,940 |
| Additional noninterest expense | $2,854,000 | 1,514 |
| Pre-tax net operating income | $5,032,000 | 1,465 |
| Securities gains (losses) | $28,000 | 2,162 |
| Applicable income taxes | $1,395,000 | 1,739 |
| Income before extraordinary items | $3,665,000 | 1,442 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,665,000 | 1,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $612,000 | 1,072 |
| Cash dividends | $750,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $-3,000 | 10,288 |
| Net operating income | $3,644,840 | 1,387 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,250,000 | 1,626 |
| Total interest expense | $8,685,000 | 1,790 |
| Net interest income | $11,565,000 | 1,491 |
| Provision for loan and lease losses | $2,811,000 | 452 |
| Total noninterest income | $1,901,000 | 1,845 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,168,000 | 1,077 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $733,000 | 2,159 |
| Total noninterest expense | $9,529,000 | 1,383 |
| Salaries and employee benefits | $4,574,000 | 1,430 |
| Premises and equipment expense | $1,959,000 | 1,010 |
| Additional noninterest expense | $2,996,000 | 1,443 |
| Pre-tax net operating income | $1,126,000 | 5,449 |
| Securities gains (losses) | $-15,000 | 10,235 |
| Applicable income taxes | $319,000 | 5,563 |
| Income before extraordinary items | $792,000 | 5,491 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $792,000 | 5,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,415,000 | 628 |
| Cash dividends | $3,000,000 | 929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $802,650 | 5,396 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,055,000 | 1,878 |
| Total interest expense | $7,883,000 | 1,988 |
| Net interest income | $10,172,000 | 1,740 |
| Provision for loan and lease losses | $646,000 | 1,425 |
| Total noninterest income | $1,739,000 | 2,057 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,091,000 | 1,224 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $648,000 | 2,438 |
| Total noninterest expense | $7,655,000 | 1,852 |
| Salaries and employee benefits | $4,190,000 | 1,600 |
| Premises and equipment expense | $1,458,000 | 1,396 |
| Additional noninterest expense | $2,007,000 | 2,449 |
| Pre-tax net operating income | $3,610,000 | 1,999 |
| Securities gains (losses) | $-51,000 | 11,041 |
| Applicable income taxes | $1,146,000 | 2,077 |
| Income before extraordinary items | $2,413,000 | 2,058 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,413,000 | 2,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 1,501 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,447,680 | 1,986 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,100,000 | 2,232 |
| Total interest expense | $7,384,000 | 2,120 |
| Net interest income | $7,716,000 | 2,329 |
| Provision for loan and lease losses | $607,000 | 1,330 |
| Total noninterest income | $1,429,000 | 2,372 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $868,000 | 1,561 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $561,000 | 2,664 |
| Total noninterest expense | $5,943,000 | 2,295 |
| Salaries and employee benefits | $3,291,000 | 2,012 |
| Premises and equipment expense | $1,076,000 | 1,880 |
| Additional noninterest expense | $1,576,000 | 2,972 |
| Pre-tax net operating income | $2,595,000 | 2,742 |
| Securities gains (losses) | $23,000 | 1,804 |
| Applicable income taxes | $553,000 | 3,880 |
| Income before extraordinary items | $2,065,000 | 2,436 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,065,000 | 2,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 1,781 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,046,830 | 2,434 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,905,000 | 2,544 |
| Total interest expense | $5,422,000 | 2,289 |
| Net interest income | $6,483,000 | 2,792 |
| Provision for loan and lease losses | $317,000 | 2,166 |
| Total noninterest income | $1,282,000 | 2,607 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $843,000 | 1,607 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $439,000 | 3,216 |
| Total noninterest expense | $5,466,000 | 2,549 |
| Salaries and employee benefits | $2,919,000 | 2,292 |
| Premises and equipment expense | $847,000 | 2,397 |
| Additional noninterest expense | $1,700,000 | 2,974 |
| Pre-tax net operating income | $1,982,000 | 3,447 |
| Securities gains (losses) | $-35,000 | 10,774 |
| Applicable income taxes | $467,000 | 4,267 |
| Income before extraordinary items | $1,480,000 | 3,213 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,480,000 | 3,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,539 |
| Cash dividends | $15,000 | 8,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,506,600 | 3,187 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,594,000 | 3,229 |
| Total interest expense | $4,065,000 | 3,128 |
| Net interest income | $5,529,000 | 3,256 |
| Provision for loan and lease losses | $470,000 | 2,190 |
| Total noninterest income | $1,179,000 | 2,940 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $818,000 | 1,677 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $361,000 | 4,032 |
| Total noninterest expense | $4,448,000 | 3,147 |
| Salaries and employee benefits | $2,325,000 | 2,834 |
| Premises and equipment expense | $638,000 | 3,132 |
| Additional noninterest expense | $1,485,000 | 3,533 |
| Pre-tax net operating income | $1,790,000 | 3,695 |
| Securities gains (losses) | $138,000 | 2,074 |
| Applicable income taxes | $589,000 | 3,666 |
| Income before extraordinary items | $1,339,000 | 3,604 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,339,000 | 3,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,924 |
| Cash dividends | $10,000 | 8,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,243,780 | 3,666 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,645,000 | 3,999 |
| Total interest expense | $3,798,000 | 4,249 |
| Net interest income | $4,847,000 | 3,755 |
| Provision for loan and lease losses | $461,000 | 3,170 |
| Total noninterest income | $1,064,000 | 3,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $777,000 | 1,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $287,000 | 4,547 |
| Total noninterest expense | $3,791,000 | 3,669 |
| Salaries and employee benefits | $1,894,000 | 3,370 |
| Premises and equipment expense | $566,000 | 3,549 |
| Additional noninterest expense | $1,331,000 | 3,958 |
| Pre-tax net operating income | $1,659,000 | 3,700 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $460,000 | 4,278 |
| Income before extraordinary items | $1,202,000 | 3,801 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,202,000 | 3,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 3,167 |
| Cash dividends | $15,000 | 8,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,199,840 | 3,529 |
* 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.