Home > First Charter Bank > Income and Expense
First Charter Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $68,563,000 | 194 |
| Total interest expense | $34,601,000 | 175 |
| Net interest income | $33,962,000 | 204 |
| Provision for loan and lease losses | $4,707,000 | 224 |
| Total noninterest income | $18,482,000 | 158 |
| Gross Fiduciary activities income | $781,000 | 217 |
| Service charges on deposit accounts | $7,365,000 | 78 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $10,336,000 | 177 |
| Total noninterest expense | $33,381,000 | 180 |
| Salaries and employee benefits | $18,528,000 | 145 |
| Premises and equipment expense | $4,422,000 | 178 |
| Additional noninterest expense | $10,431,000 | 208 |
| Pre-tax net operating income | $14,356,000 | 173 |
| Securities gains (losses) | $1,229,000 | 127 |
| Applicable income taxes | $9,402,000 | 114 |
| Income before extraordinary items | $6,183,000 | 263 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $6,183,000 | 263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,099,000 | 277 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $320,000 | 168 |
| Net operating income | $5,396,440 | 281 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $309,787,000 | 176 |
| Total interest expense | $157,787,000 | 176 |
| Net interest income | $152,000,000 | 176 |
| Provision for loan and lease losses | $19,945,000 | 158 |
| Total noninterest income | $78,297,000 | 146 |
| Gross Fiduciary activities income | $3,496,000 | 197 |
| Service charges on deposit accounts | $30,893,000 | 78 |
| Trading account gains and fees | $50,000 | 138 |
| Additional Noninterest Income | $43,858,000 | 162 |
| Total noninterest expense | $142,001,000 | 166 |
| Salaries and employee benefits | $79,360,000 | 138 |
| Premises and equipment expense | $17,528,000 | 169 |
| Additional noninterest expense | $45,113,000 | 194 |
| Pre-tax net operating income | $68,351,000 | 179 |
| Securities gains (losses) | $-145,000 | 8,215 |
| Applicable income taxes | $23,251,000 | 173 |
| Income before extraordinary items | $44,955,000 | 190 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $44,955,000 | 186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,497,000 | 155 |
| Cash dividends | $28,000,000 | 191 |
| Sale, conversion, retirement of capital stock, net | $3,907,000 | 295 |
| Net operating income | $45,050,700 | 189 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $234,129,000 | 175 |
| Total interest expense | $118,888,000 | 173 |
| Net interest income | $115,241,000 | 176 |
| Provision for loan and lease losses | $13,801,000 | 127 |
| Total noninterest income | $58,276,000 | 149 |
| Gross Fiduciary activities income | $2,591,000 | 195 |
| Service charges on deposit accounts | $23,086,000 | 75 |
| Trading account gains and fees | $50,000 | 140 |
| Additional Noninterest Income | $32,549,000 | 160 |
| Total noninterest expense | $106,265,000 | 161 |
| Salaries and employee benefits | $59,728,000 | 137 |
| Premises and equipment expense | $13,255,000 | 165 |
| Additional noninterest expense | $33,282,000 | 186 |
| Pre-tax net operating income | $53,451,000 | 188 |
| Securities gains (losses) | $-153,000 | 8,352 |
| Applicable income taxes | $18,234,000 | 183 |
| Income before extraordinary items | $35,064,000 | 196 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $35,064,000 | 194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,750,000 | 178 |
| Cash dividends | $21,000,000 | 192 |
| Sale, conversion, retirement of capital stock, net | $2,839,000 | 240 |
| Net operating income | $35,164,980 | 194 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $155,412,000 | 189 |
| Total interest expense | $78,742,000 | 183 |
| Net interest income | $76,670,000 | 192 |
| Provision for loan and lease losses | $10,490,000 | 101 |
| Total noninterest income | $39,756,000 | 157 |
| Gross Fiduciary activities income | $1,667,000 | 207 |
| Service charges on deposit accounts | $15,332,000 | 79 |
| Trading account gains and fees | $67,000 | 119 |
| Additional Noninterest Income | $22,690,000 | 166 |
| Total noninterest expense | $70,744,000 | 176 |
| Salaries and employee benefits | $39,264,000 | 151 |
| Premises and equipment expense | $8,849,000 | 175 |
| Additional noninterest expense | $22,631,000 | 191 |
| Pre-tax net operating income | $35,192,000 | 207 |
| Securities gains (losses) | $-105,000 | 8,408 |
| Applicable income taxes | $11,992,000 | 201 |
| Income before extraordinary items | $23,095,000 | 212 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $23,095,000 | 212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $666,000 | 592 |
| Cash dividends | $14,000,000 | 208 |
| Sale, conversion, retirement of capital stock, net | $1,668,000 | 214 |
| Net operating income | $23,164,300 | 211 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $77,132,000 | 187 |
| Total interest expense | $39,221,000 | 185 |
| Net interest income | $37,911,000 | 189 |
| Provision for loan and lease losses | $1,366,000 | 234 |
| Total noninterest income | $19,564,000 | 153 |
| Gross Fiduciary activities income | $725,000 | 225 |
| Service charges on deposit accounts | $7,390,000 | 80 |
| Trading account gains and fees | $33,000 | 155 |
| Additional Noninterest Income | $11,416,000 | 159 |
| Total noninterest expense | $35,712,000 | 170 |
| Salaries and employee benefits | $19,651,000 | 149 |
| Premises and equipment expense | $4,420,000 | 171 |
| Additional noninterest expense | $11,641,000 | 182 |
| Pre-tax net operating income | $20,397,000 | 181 |
| Securities gains (losses) | $-105,000 | 8,558 |
| Applicable income taxes | $7,106,000 | 177 |
| Income before extraordinary items | $13,186,000 | 186 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $13,186,000 | 185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $478,000 | 417 |
| Cash dividends | $7,000,000 | 189 |
| Sale, conversion, retirement of capital stock, net | $779,000 | 152 |
| Net operating income | $13,254,250 | 184 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $258,582,000 | 193 |
| Total interest expense | $123,789,000 | 190 |
| Net interest income | $134,793,000 | 196 |
| Provision for loan and lease losses | $5,230,000 | 233 |
| Total noninterest income | $73,452,000 | 155 |
| Gross Fiduciary activities income | $3,125,000 | 197 |
| Service charges on deposit accounts | $28,901,000 | 77 |
| Trading account gains and fees | $41,000 | 104 |
| Additional Noninterest Income | $41,385,000 | 160 |
| Total noninterest expense | $125,559,000 | 178 |
| Salaries and employee benefits | $70,191,000 | 151 |
| Premises and equipment expense | $16,670,000 | 169 |
| Additional noninterest expense | $38,698,000 | 208 |
| Pre-tax net operating income | $77,456,000 | 189 |
| Securities gains (losses) | $-5,835,000 | 8,643 |
| Applicable income taxes | $24,583,000 | 196 |
| Income before extraordinary items | $47,038,000 | 213 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $47,038,000 | 212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,260,000 | 258 |
| Cash dividends | $45,000,000 | 151 |
| Sale, conversion, retirement of capital stock, net | $1,371,000 | 457 |
| Net operating income | $50,889,100 | 198 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $190,148,000 | 204 |
| Total interest expense | $89,282,000 | 199 |
| Net interest income | $100,866,000 | 212 |
| Provision for loan and lease losses | $3,804,000 | 230 |
| Total noninterest income | $55,631,000 | 168 |
| Gross Fiduciary activities income | $2,358,000 | 207 |
| Service charges on deposit accounts | $21,520,000 | 83 |
| Trading account gains and fees | $31,000 | 104 |
| Additional Noninterest Income | $31,722,000 | 173 |
| Total noninterest expense | $92,949,000 | 191 |
| Salaries and employee benefits | $51,097,000 | 164 |
| Premises and equipment expense | $12,669,000 | 175 |
| Additional noninterest expense | $29,183,000 | 215 |
| Pre-tax net operating income | $59,744,000 | 201 |
| Securities gains (losses) | $-5,835,000 | 8,720 |
| Applicable income taxes | $18,159,000 | 216 |
| Income before extraordinary items | $35,750,000 | 223 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $35,750,000 | 223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,610,000 | 230 |
| Cash dividends | $13,000,000 | 254 |
| Sale, conversion, retirement of capital stock, net | $-888,000 | 8,727 |
| Net operating income | $39,601,100 | 208 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $123,281,000 | 211 |
| Total interest expense | $56,412,000 | 202 |
| Net interest income | $66,869,000 | 219 |
| Provision for loan and lease losses | $2,399,000 | 242 |
| Total noninterest income | $35,646,000 | 172 |
| Gross Fiduciary activities income | $1,562,000 | 213 |
| Service charges on deposit accounts | $14,167,000 | 88 |
| Trading account gains and fees | $17,000 | 106 |
| Additional Noninterest Income | $19,900,000 | 185 |
| Total noninterest expense | $63,115,000 | 194 |
| Salaries and employee benefits | $34,548,000 | 166 |
| Premises and equipment expense | $8,705,000 | 178 |
| Additional noninterest expense | $19,862,000 | 216 |
| Pre-tax net operating income | $37,001,000 | 217 |
| Securities gains (losses) | $26,000 | 562 |
| Applicable income taxes | $12,615,000 | 219 |
| Income before extraordinary items | $24,412,000 | 228 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $24,412,000 | 228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,604,000 | 243 |
| Cash dividends | $8,000,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $1,023,000 | 264 |
| Net operating income | $24,394,840 | 227 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $59,627,000 | 213 |
| Total interest expense | $26,476,000 | 204 |
| Net interest income | $33,151,000 | 220 |
| Provision for loan and lease losses | $1,519,000 | 194 |
| Total noninterest income | $18,123,000 | 173 |
| Gross Fiduciary activities income | $806,000 | 211 |
| Service charges on deposit accounts | $6,698,000 | 89 |
| Trading account gains and fees | $16,000 | 94 |
| Additional Noninterest Income | $10,603,000 | 183 |
| Total noninterest expense | $31,418,000 | 199 |
| Salaries and employee benefits | $17,728,000 | 167 |
| Premises and equipment expense | $4,306,000 | 179 |
| Additional noninterest expense | $9,384,000 | 226 |
| Pre-tax net operating income | $18,337,000 | 218 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $6,207,000 | 217 |
| Income before extraordinary items | $12,130,000 | 229 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,130,000 | 229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $739,000 | 255 |
| Cash dividends | $5,000,000 | 202 |
| Sale, conversion, retirement of capital stock, net | $530,000 | 178 |
| Net operating income | $12,130,000 | 225 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $224,567,000 | 203 |
| Total interest expense | $97,489,000 | 184 |
| Net interest income | $127,078,000 | 218 |
| Provision for loan and lease losses | $9,343,000 | 151 |
| Total noninterest income | $66,858,000 | 181 |
| Gross Fiduciary activities income | $2,800,000 | 215 |
| Service charges on deposit accounts | $27,809,000 | 88 |
| Trading account gains and fees | $51,000 | 112 |
| Additional Noninterest Income | $36,198,000 | 196 |
| Total noninterest expense | $131,096,000 | 181 |
| Salaries and employee benefits | $63,676,000 | 172 |
| Premises and equipment expense | $14,895,000 | 189 |
| Additional noninterest expense | $52,525,000 | 184 |
| Pre-tax net operating income | $53,497,000 | 264 |
| Securities gains (losses) | $-16,690,000 | 8,820 |
| Applicable income taxes | $9,828,000 | 400 |
| Income before extraordinary items | $26,979,000 | 326 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $26,979,000 | 327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,490,000 | 164 |
| Cash dividends | $10,000,000 | 382 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $39,162,700 | 243 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $165,929,000 | 204 |
| Total interest expense | $71,816,000 | 179 |
| Net interest income | $94,113,000 | 220 |
| Provision for loan and lease losses | $7,548,000 | 132 |
| Total noninterest income | $50,187,000 | 190 |
| Gross Fiduciary activities income | $2,030,000 | 215 |
| Service charges on deposit accounts | $20,618,000 | 91 |
| Trading account gains and fees | $44,000 | 102 |
| Additional Noninterest Income | $27,495,000 | 203 |
| Total noninterest expense | $87,121,000 | 197 |
| Salaries and employee benefits | $47,375,000 | 175 |
| Premises and equipment expense | $11,944,000 | 182 |
| Additional noninterest expense | $27,802,000 | 231 |
| Pre-tax net operating income | $49,631,000 | 228 |
| Securities gains (losses) | $-19,000 | 8,149 |
| Applicable income taxes | $15,131,000 | 249 |
| Income before extraordinary items | $34,481,000 | 232 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $34,481,000 | 233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,632,000 | 187 |
| Cash dividends | $7,000,000 | 364 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $34,494,300 | 227 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $106,868,000 | 203 |
| Total interest expense | $44,524,000 | 177 |
| Net interest income | $62,344,000 | 218 |
| Provision for loan and lease losses | $4,778,000 | 125 |
| Total noninterest income | $33,164,000 | 189 |
| Gross Fiduciary activities income | $1,309,000 | 217 |
| Service charges on deposit accounts | $13,297,000 | 91 |
| Trading account gains and fees | $25,000 | 93 |
| Additional Noninterest Income | $18,533,000 | 202 |
| Total noninterest expense | $58,199,000 | 195 |
| Salaries and employee benefits | $31,457,000 | 172 |
| Premises and equipment expense | $8,004,000 | 179 |
| Additional noninterest expense | $18,738,000 | 227 |
| Pre-tax net operating income | $32,531,000 | 231 |
| Securities gains (losses) | $-31,000 | 8,483 |
| Applicable income taxes | $10,562,000 | 232 |
| Income before extraordinary items | $21,938,000 | 238 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $21,938,000 | 238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,619,000 | 192 |
| Cash dividends | $7,000,000 | 259 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $21,959,080 | 235 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $51,265,000 | 209 |
| Total interest expense | $20,466,000 | 179 |
| Net interest income | $30,799,000 | 221 |
| Provision for loan and lease losses | $1,900,000 | 149 |
| Total noninterest income | $15,529,000 | 200 |
| Gross Fiduciary activities income | $663,000 | 219 |
| Service charges on deposit accounts | $6,236,000 | 95 |
| Trading account gains and fees | $26,000 | 92 |
| Additional Noninterest Income | $8,604,000 | 208 |
| Total noninterest expense | $28,469,000 | 203 |
| Salaries and employee benefits | $15,559,000 | 182 |
| Premises and equipment expense | $3,838,000 | 190 |
| Additional noninterest expense | $9,072,000 | 230 |
| Pre-tax net operating income | $15,959,000 | 235 |
| Securities gains (losses) | $-49,000 | 8,782 |
| Applicable income taxes | $5,410,000 | 229 |
| Income before extraordinary items | $10,500,000 | 244 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $10,500,000 | 244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,289,000 | 199 |
| Cash dividends | $2,000,000 | 351 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $10,532,340 | 239 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $187,253,000 | 211 |
| Total interest expense | $63,511,000 | 178 |
| Net interest income | $123,742,000 | 215 |
| Provision for loan and lease losses | $8,425,000 | 168 |
| Total noninterest income | $57,703,000 | 203 |
| Gross Fiduciary activities income | $2,215,000 | 244 |
| Service charges on deposit accounts | $25,564,000 | 99 |
| Trading account gains and fees | $163,000 | 99 |
| Additional Noninterest Income | $29,761,000 | 229 |
| Total noninterest expense | $109,899,000 | 208 |
| Salaries and employee benefits | $58,392,000 | 185 |
| Premises and equipment expense | $15,471,000 | 186 |
| Additional noninterest expense | $36,036,000 | 232 |
| Pre-tax net operating income | $63,121,000 | 226 |
| Securities gains (losses) | $1,021,000 | 278 |
| Applicable income taxes | $21,912,000 | 219 |
| Income before extraordinary items | $42,230,000 | 233 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $42,230,000 | 234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,576,000 | 196 |
| Cash dividends | $21,300,000 | 207 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $41,556,140 | 228 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $137,174,000 | 213 |
| Total interest expense | $45,468,000 | 181 |
| Net interest income | $91,706,000 | 220 |
| Provision for loan and lease losses | $6,600,000 | 170 |
| Total noninterest income | $42,647,000 | 210 |
| Gross Fiduciary activities income | $1,620,000 | 253 |
| Service charges on deposit accounts | $18,732,000 | 106 |
| Trading account gains and fees | $111,000 | 100 |
| Additional Noninterest Income | $22,184,000 | 239 |
| Total noninterest expense | $82,348,000 | 210 |
| Salaries and employee benefits | $44,139,000 | 185 |
| Premises and equipment expense | $11,534,000 | 190 |
| Additional noninterest expense | $26,675,000 | 233 |
| Pre-tax net operating income | $45,405,000 | 234 |
| Securities gains (losses) | $725,000 | 330 |
| Applicable income taxes | $15,725,000 | 223 |
| Income before extraordinary items | $30,405,000 | 238 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $30,405,000 | 239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,764,000 | 194 |
| Cash dividends | $15,300,000 | 201 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $29,926,500 | 232 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $90,096,000 | 209 |
| Total interest expense | $29,372,000 | 183 |
| Net interest income | $60,724,000 | 216 |
| Provision for loan and lease losses | $5,000,000 | 159 |
| Total noninterest income | $28,674,000 | 209 |
| Gross Fiduciary activities income | $1,120,000 | 248 |
| Service charges on deposit accounts | $11,951,000 | 107 |
| Trading account gains and fees | $104,000 | 97 |
| Additional Noninterest Income | $15,499,000 | 233 |
| Total noninterest expense | $55,851,000 | 205 |
| Salaries and employee benefits | $29,362,000 | 181 |
| Premises and equipment expense | $7,839,000 | 184 |
| Additional noninterest expense | $18,650,000 | 221 |
| Pre-tax net operating income | $28,547,000 | 242 |
| Securities gains (losses) | $15,000 | 2,191 |
| Applicable income taxes | $9,340,000 | 244 |
| Income before extraordinary items | $19,222,000 | 242 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $19,222,000 | 243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,006,000 | 173 |
| Cash dividends | $9,300,000 | 207 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $19,211,950 | 232 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $45,210,000 | 210 |
| Total interest expense | $14,666,000 | 182 |
| Net interest income | $30,544,000 | 217 |
| Provision for loan and lease losses | $3,000,000 | 141 |
| Total noninterest income | $14,361,000 | 201 |
| Gross Fiduciary activities income | $554,000 | 249 |
| Service charges on deposit accounts | $5,605,000 | 108 |
| Trading account gains and fees | $109,000 | 80 |
| Additional Noninterest Income | $8,093,000 | 224 |
| Total noninterest expense | $28,249,000 | 203 |
| Salaries and employee benefits | $15,027,000 | 176 |
| Premises and equipment expense | $3,850,000 | 189 |
| Additional noninterest expense | $9,372,000 | 217 |
| Pre-tax net operating income | $13,656,000 | 242 |
| Securities gains (losses) | $195,000 | 511 |
| Applicable income taxes | $4,529,000 | 252 |
| Income before extraordinary items | $9,322,000 | 253 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $9,322,000 | 254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,322,000 | 161 |
| Cash dividends | $5,500,000 | 162 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $9,191,350 | 239 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $178,220,000 | 209 |
| Total interest expense | $69,893,000 | 174 |
| Net interest income | $108,327,000 | 225 |
| Provision for loan and lease losses | $27,518,000 | 116 |
| Total noninterest income | $54,289,000 | 226 |
| Gross Fiduciary activities income | $2,061,000 | 253 |
| Service charges on deposit accounts | $22,143,000 | 113 |
| Trading account gains and fees | $1,801,000 | 71 |
| Additional Noninterest Income | $28,284,000 | 251 |
| Total noninterest expense | $127,173,000 | 190 |
| Salaries and employee benefits | $54,911,000 | 184 |
| Premises and equipment expense | $14,745,000 | 190 |
| Additional noninterest expense | $57,517,000 | 183 |
| Pre-tax net operating income | $7,925,000 | 1,057 |
| Securities gains (losses) | $10,061,000 | 110 |
| Applicable income taxes | $3,390,000 | 840 |
| Income before extraordinary items | $14,596,000 | 490 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $14,596,000 | 492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,333,000 | 196 |
| Cash dividends | $26,500,000 | 188 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,446,590 | 935 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $133,685,000 | 212 |
| Total interest expense | $54,483,000 | 175 |
| Net interest income | $79,202,000 | 236 |
| Provision for loan and lease losses | $23,943,000 | 114 |
| Total noninterest income | $41,018,000 | 228 |
| Gross Fiduciary activities income | $1,536,000 | 265 |
| Service charges on deposit accounts | $16,375,000 | 116 |
| Trading account gains and fees | $1,754,000 | 66 |
| Additional Noninterest Income | $21,353,000 | 259 |
| Total noninterest expense | $85,517,000 | 201 |
| Salaries and employee benefits | $39,493,000 | 191 |
| Premises and equipment expense | $10,785,000 | 201 |
| Additional noninterest expense | $35,239,000 | 200 |
| Pre-tax net operating income | $10,760,000 | 642 |
| Securities gains (losses) | $9,582,000 | 105 |
| Applicable income taxes | $5,390,000 | 478 |
| Income before extraordinary items | $14,952,000 | 405 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $14,952,000 | 406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,412,000 | 199 |
| Cash dividends | $21,000,000 | 187 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,861,320 | 609 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $90,476,000 | 214 |
| Total interest expense | $37,604,000 | 176 |
| Net interest income | $52,872,000 | 238 |
| Provision for loan and lease losses | $21,543,000 | 94 |
| Total noninterest income | $26,510,000 | 226 |
| Gross Fiduciary activities income | $1,070,000 | 264 |
| Service charges on deposit accounts | $10,701,000 | 117 |
| Trading account gains and fees | $1,596,000 | 61 |
| Additional Noninterest Income | $13,143,000 | 272 |
| Total noninterest expense | $58,974,000 | 196 |
| Salaries and employee benefits | $26,230,000 | 190 |
| Premises and equipment expense | $7,089,000 | 203 |
| Additional noninterest expense | $25,655,000 | 192 |
| Pre-tax net operating income | $-1,135,000 | 9,175 |
| Securities gains (losses) | $9,512,000 | 84 |
| Applicable income taxes | $2,220,000 | 712 |
| Income before extraordinary items | $6,157,000 | 580 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,157,000 | 579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,321,000 | 207 |
| Cash dividends | $13,000,000 | 176 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-786,760 | 9,134 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $45,351,000 | 218 |
| Total interest expense | $18,664,000 | 182 |
| Net interest income | $26,687,000 | 237 |
| Provision for loan and lease losses | $2,051,000 | 241 |
| Total noninterest income | $14,427,000 | 220 |
| Gross Fiduciary activities income | $578,000 | 259 |
| Service charges on deposit accounts | $5,130,000 | 123 |
| Trading account gains and fees | $1,164,000 | 51 |
| Additional Noninterest Income | $7,555,000 | 246 |
| Total noninterest expense | $26,108,000 | 205 |
| Salaries and employee benefits | $13,763,000 | 183 |
| Premises and equipment expense | $3,672,000 | 203 |
| Additional noninterest expense | $8,673,000 | 238 |
| Pre-tax net operating income | $12,955,000 | 252 |
| Securities gains (losses) | $1,226,000 | 191 |
| Applicable income taxes | $4,134,000 | 278 |
| Income before extraordinary items | $10,047,000 | 244 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $10,047,000 | 244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,213,000 | 200 |
| Cash dividends | $6,000,000 | 162 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $9,176,540 | 239 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $196,216,000 | 214 |
| Total interest expense | $82,543,000 | 187 |
| Net interest income | $113,673,000 | 226 |
| Provision for loan and lease losses | $8,270,000 | 272 |
| Total noninterest income | $42,390,000 | 245 |
| Gross Fiduciary activities income | $2,396,000 | 256 |
| Service charges on deposit accounts | $19,133,000 | 128 |
| Trading account gains and fees | $2,078,000 | 58 |
| Additional Noninterest Income | $18,783,000 | 308 |
| Total noninterest expense | $98,263,000 | 222 |
| Salaries and employee benefits | $50,346,000 | 198 |
| Premises and equipment expense | $16,024,000 | 179 |
| Additional noninterest expense | $31,893,000 | 260 |
| Pre-tax net operating income | $49,530,000 | 249 |
| Securities gains (losses) | $9,733,000 | 108 |
| Applicable income taxes | $16,179,000 | 263 |
| Income before extraordinary items | $43,084,000 | 223 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $43,084,000 | 224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,262,000 | 282 |
| Cash dividends | $31,150,000 | 177 |
| Sale, conversion, retirement of capital stock, net | $-10,898,000 | 9,348 |
| Net operating income | $35,978,910 | 236 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $215,060,000 | 225 |
| Total interest expense | $109,719,000 | 208 |
| Net interest income | $105,341,000 | 232 |
| Provision for loan and lease losses | $4,465,000 | 384 |
| Total noninterest income | $36,715,000 | 266 |
| Gross Fiduciary activities income | $2,323,000 | 271 |
| Service charges on deposit accounts | $13,848,000 | 147 |
| Trading account gains and fees | $2,592,000 | 61 |
| Additional Noninterest Income | $17,952,000 | 310 |
| Total noninterest expense | $87,604,000 | 239 |
| Salaries and employee benefits | $47,222,000 | 193 |
| Premises and equipment expense | $14,607,000 | 177 |
| Additional noninterest expense | $25,775,000 | 299 |
| Pre-tax net operating income | $49,987,000 | 228 |
| Securities gains (losses) | $2,275,000 | 223 |
| Applicable income taxes | $16,823,000 | 238 |
| Income before extraordinary items | $35,439,000 | 228 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $35,439,000 | 226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,652,000 | 256 |
| Cash dividends | $25,300,000 | 201 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $33,892,000 | 220 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $215,988,000 | 236 |
| Total interest expense | $108,313,000 | 242 |
| Net interest income | $107,675,000 | 217 |
| Provision for loan and lease losses | $7,615,000 | 236 |
| Total noninterest income | $30,224,000 | 291 |
| Gross Fiduciary activities income | $2,819,000 | 236 |
| Service charges on deposit accounts | $11,187,000 | 158 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $16,218,000 | 329 |
| Total noninterest expense | $91,909,000 | 231 |
| Salaries and employee benefits | $40,942,000 | 207 |
| Premises and equipment expense | $10,966,000 | 228 |
| Additional noninterest expense | $40,001,000 | 225 |
| Pre-tax net operating income | $38,375,000 | 282 |
| Securities gains (losses) | $-2,825,000 | 9,810 |
| Applicable income taxes | $12,486,000 | 295 |
| Income before extraordinary items | $23,064,000 | 300 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $23,064,000 | 300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,057,000 | 306 |
| Cash dividends | $5,700,000 | 562 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $24,900,250 | 288 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $136,385,000 | 320 |
| Total interest expense | $67,217,000 | 308 |
| Net interest income | $69,168,000 | 322 |
| Provision for loan and lease losses | $3,350,000 | 383 |
| Total noninterest income | $17,814,000 | 428 |
| Gross Fiduciary activities income | $2,303,000 | 306 |
| Service charges on deposit accounts | $4,929,000 | 297 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $10,582,000 | 434 |
| Total noninterest expense | $46,703,000 | 382 |
| Salaries and employee benefits | $24,384,000 | 327 |
| Premises and equipment expense | $7,078,000 | 343 |
| Additional noninterest expense | $15,241,000 | 443 |
| Pre-tax net operating income | $36,929,000 | 307 |
| Securities gains (losses) | $261,000 | 483 |
| Applicable income taxes | $11,949,000 | 331 |
| Income before extraordinary items | $25,241,000 | 309 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $25,241,000 | 309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,194,000 | 632 |
| Cash dividends | $43,500,000 | 156 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $25,063,520 | 304 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $61,156,000 | 586 |
| Total interest expense | $26,707,000 | 627 |
| Net interest income | $34,449,000 | 541 |
| Provision for loan and lease losses | $2,300,000 | 528 |
| Total noninterest income | $10,675,000 | 578 |
| Gross Fiduciary activities income | $2,006,000 | 320 |
| Service charges on deposit accounts | $4,141,000 | 321 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $4,528,000 | 701 |
| Total noninterest expense | $28,098,000 | 556 |
| Salaries and employee benefits | $14,840,000 | 493 |
| Premises and equipment expense | $4,446,000 | 498 |
| Additional noninterest expense | $8,812,000 | 641 |
| Pre-tax net operating income | $14,726,000 | 572 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $4,280,000 | 648 |
| Income before extraordinary items | $10,446,000 | 575 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $10,446,000 | 574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,828,000 | 497 |
| Cash dividends | $16,500,000 | 278 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $10,446,000 | 548 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $41,966,000 | 814 |
| Total interest expense | $18,439,000 | 892 |
| Net interest income | $23,527,000 | 778 |
| Provision for loan and lease losses | $2,377,000 | 512 |
| Total noninterest income | $7,384,000 | 705 |
| Gross Fiduciary activities income | $1,901,000 | 332 |
| Service charges on deposit accounts | $2,753,000 | 482 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,730,000 | 894 |
| Total noninterest expense | $21,248,000 | 707 |
| Salaries and employee benefits | $8,948,000 | 771 |
| Premises and equipment expense | $2,964,000 | 700 |
| Additional noninterest expense | $9,336,000 | 618 |
| Pre-tax net operating income | $7,286,000 | 1,104 |
| Securities gains (losses) | $46,000 | 1,392 |
| Applicable income taxes | $2,380,000 | 1,143 |
| Income before extraordinary items | $4,952,000 | 1,127 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,952,000 | 1,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,079,000 | 763 |
| Cash dividends | $5,000,000 | 618 |
| Sale, conversion, retirement of capital stock, net | $481,000 | 552 |
| Net operating income | $4,920,720 | 1,102 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $28,559,000 | 1,206 |
| Total interest expense | $11,772,000 | 1,379 |
| Net interest income | $16,787,000 | 1,084 |
| Provision for loan and lease losses | $825,000 | 1,177 |
| Total noninterest income | $4,187,000 | 1,075 |
| Gross Fiduciary activities income | $1,490,000 | 412 |
| Service charges on deposit accounts | $1,786,000 | 743 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $911,000 | 1,929 |
| Total noninterest expense | $11,680,000 | 1,234 |
| Salaries and employee benefits | $6,363,000 | 1,050 |
| Premises and equipment expense | $1,693,000 | 1,223 |
| Additional noninterest expense | $3,624,000 | 1,468 |
| Pre-tax net operating income | $8,469,000 | 908 |
| Securities gains (losses) | $-22,000 | 10,677 |
| Applicable income taxes | $2,458,000 | 1,031 |
| Income before extraordinary items | $5,989,000 | 895 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,989,000 | 896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $623,000 | 1,217 |
| Cash dividends | $4,600,000 | 710 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,004,620 | 873 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $26,491,000 | 1,290 |
| Total interest expense | $10,393,000 | 1,547 |
| Net interest income | $16,098,000 | 1,144 |
| Provision for loan and lease losses | $1,125,000 | 867 |
| Total noninterest income | $3,780,000 | 1,156 |
| Gross Fiduciary activities income | $1,556,000 | 429 |
| Service charges on deposit accounts | $1,514,000 | 880 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $710,000 | 2,270 |
| Total noninterest expense | $10,215,000 | 1,384 |
| Salaries and employee benefits | $5,532,000 | 1,212 |
| Premises and equipment expense | $1,392,000 | 1,475 |
| Additional noninterest expense | $3,291,000 | 1,566 |
| Pre-tax net operating income | $8,538,000 | 931 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $2,447,000 | 1,067 |
| Income before extraordinary items | $6,102,000 | 898 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $6,102,000 | 897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $643,000 | 1,177 |
| Cash dividends | $3,750,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $6,094,190 | 892 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $21,808,000 | 1,420 |
| Total interest expense | $7,360,000 | 1,698 |
| Net interest income | $14,448,000 | 1,262 |
| Provision for loan and lease losses | $575,000 | 1,387 |
| Total noninterest income | $3,399,000 | 1,240 |
| Gross Fiduciary activities income | $1,382,000 | 448 |
| Service charges on deposit accounts | $1,488,000 | 874 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $529,000 | 2,857 |
| Total noninterest expense | $10,029,000 | 1,464 |
| Salaries and employee benefits | $5,293,000 | 1,267 |
| Premises and equipment expense | $1,281,000 | 1,611 |
| Additional noninterest expense | $3,455,000 | 1,609 |
| Pre-tax net operating income | $7,243,000 | 1,050 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $2,092,000 | 1,160 |
| Income before extraordinary items | $5,156,000 | 987 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,156,000 | 983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $361,000 | 1,682 |
| Cash dividends | $2,450,000 | 945 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,152,450 | 1,003 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,186,000 | 1,638 |
| Total interest expense | $6,631,000 | 1,954 |
| Net interest income | $12,555,000 | 1,449 |
| Provision for loan and lease losses | $285,000 | 3,115 |
| Total noninterest income | $3,326,000 | 1,347 |
| Gross Fiduciary activities income | $1,262,000 | 489 |
| Service charges on deposit accounts | $1,512,000 | 869 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $552,000 | 3,048 |
| Total noninterest expense | $10,122,000 | 1,508 |
| Salaries and employee benefits | $5,338,000 | 1,252 |
| Premises and equipment expense | $1,353,000 | 1,559 |
| Additional noninterest expense | $3,431,000 | 1,711 |
| Pre-tax net operating income | $5,474,000 | 1,272 |
| Securities gains (losses) | $99,000 | 2,530 |
| Applicable income taxes | $1,390,000 | 1,679 |
| Income before extraordinary items | $4,183,000 | 1,225 |
| Extraordinary gains, net | $282,000 | 764 |
| Net income | $4,465,000 | 1,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 1,948 |
| Cash dividends | $1,438,000 | 1,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,108,750 | 1,154 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,706,000 | 1,897 |
| Total interest expense | $7,465,000 | 2,273 |
| Net interest income | $11,241,000 | 1,641 |
| Provision for loan and lease losses | $397,000 | 3,491 |
| Total noninterest income | $3,203,000 | 1,357 |
| Gross Fiduciary activities income | $1,144,000 | 517 |
| Service charges on deposit accounts | $1,424,000 | 917 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $635,000 | 2,720 |
| Total noninterest expense | $9,751,000 | 1,576 |
| Salaries and employee benefits | $5,182,000 | 1,296 |
| Premises and equipment expense | $1,515,000 | 1,431 |
| Additional noninterest expense | $3,054,000 | 1,972 |
| Pre-tax net operating income | $4,296,000 | 1,476 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $919,000 | 2,280 |
| Income before extraordinary items | $3,380,000 | 1,376 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,380,000 | 1,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 8,849 |
| Cash dividends | $1,141,000 | 1,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,377,630 | 1,276 |
* 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.