Home > First Presidio Bank > Income and Expense
First Presidio Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,311,000 | 8,008 |
| Total interest expense | $295,000 | 8,213 |
| Net interest income | $1,016,000 | 7,723 |
| Provision for loan and lease losses | $24,000 | 6,240 |
| Total noninterest income | $180,000 | 6,886 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $118,000 | 5,796 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $62,000 | 6,871 |
| Total noninterest expense | $785,000 | 7,959 |
| Salaries and employee benefits | $429,000 | 7,991 |
| Premises and equipment expense | $103,000 | 7,717 |
| Additional noninterest expense | $253,000 | 7,768 |
| Pre-tax net operating income | $387,000 | 6,305 |
| Securities gains (losses) | $-28,000 | 7,853 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $359,000 | 6,211 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $359,000 | 6,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,273 |
| Cash dividends | $125,000 | 5,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $387,000 | 6,084 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $982,000 | 8,074 |
| Total interest expense | $217,000 | 8,268 |
| Net interest income | $765,000 | 7,778 |
| Provision for loan and lease losses | $18,000 | 5,899 |
| Total noninterest income | $137,000 | 6,904 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $90,000 | 5,791 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $47,000 | 6,866 |
| Total noninterest expense | $582,000 | 7,948 |
| Salaries and employee benefits | $320,000 | 7,971 |
| Premises and equipment expense | $71,000 | 7,788 |
| Additional noninterest expense | $191,000 | 7,730 |
| Pre-tax net operating income | $302,000 | 6,556 |
| Securities gains (losses) | $-21,000 | 7,974 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $281,000 | 6,410 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $281,000 | 6,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,430 |
| Cash dividends | $101,000 | 4,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $302,000 | 6,303 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $653,000 | 8,137 |
| Total interest expense | $143,000 | 8,333 |
| Net interest income | $510,000 | 7,836 |
| Provision for loan and lease losses | $12,000 | 5,644 |
| Total noninterest income | $95,000 | 6,911 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $61,000 | 5,796 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $34,000 | 6,824 |
| Total noninterest expense | $395,000 | 7,981 |
| Salaries and employee benefits | $210,000 | 8,038 |
| Premises and equipment expense | $47,000 | 7,844 |
| Additional noninterest expense | $138,000 | 7,687 |
| Pre-tax net operating income | $198,000 | 6,650 |
| Securities gains (losses) | $-21,000 | 8,146 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $177,000 | 6,544 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $177,000 | 6,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,510 |
| Cash dividends | $77,000 | 4,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $198,000 | 6,374 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $330,000 | 8,177 |
| Total interest expense | $70,000 | 8,383 |
| Net interest income | $260,000 | 7,856 |
| Provision for loan and lease losses | $6,000 | 5,291 |
| Total noninterest income | $48,000 | 6,883 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $30,000 | 5,797 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $18,000 | 6,767 |
| Total noninterest expense | $203,000 | 7,988 |
| Salaries and employee benefits | $104,000 | 8,088 |
| Premises and equipment expense | $29,000 | 7,638 |
| Additional noninterest expense | $70,000 | 7,683 |
| Pre-tax net operating income | $99,000 | 6,677 |
| Securities gains (losses) | $-21,000 | 8,384 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $78,000 | 6,739 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $78,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,092 |
| Cash dividends | $45,000 | 3,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $99,000 | 6,399 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,252,000 | 8,100 |
| Total interest expense | $219,000 | 8,390 |
| Net interest income | $1,033,000 | 7,800 |
| Provision for loan and lease losses | $26,000 | 6,122 |
| Total noninterest income | $231,000 | 6,672 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $161,000 | 5,392 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $70,000 | 6,859 |
| Total noninterest expense | $801,000 | 8,003 |
| Salaries and employee benefits | $400,000 | 8,156 |
| Premises and equipment expense | $126,000 | 7,540 |
| Additional noninterest expense | $275,000 | 7,718 |
| Pre-tax net operating income | $437,000 | 6,677 |
| Securities gains (losses) | $-13,000 | 7,384 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $424,000 | 6,424 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $424,000 | 6,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,733 |
| Cash dividends | $164,000 | 5,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $437,000 | 6,377 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $934,000 | 8,176 |
| Total interest expense | $155,000 | 8,465 |
| Net interest income | $779,000 | 7,871 |
| Provision for loan and lease losses | $22,000 | 5,933 |
| Total noninterest income | $184,000 | 6,620 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $126,000 | 5,385 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,732 |
| Total noninterest expense | $565,000 | 8,095 |
| Salaries and employee benefits | $294,000 | 8,176 |
| Premises and equipment expense | $73,000 | 7,866 |
| Additional noninterest expense | $198,000 | 7,797 |
| Pre-tax net operating income | $376,000 | 6,707 |
| Securities gains (losses) | $-6,000 | 7,439 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $370,000 | 6,381 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $370,000 | 6,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,298 |
| Cash dividends | $125,000 | 4,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $376,000 | 6,356 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $620,000 | 8,209 |
| Total interest expense | $99,000 | 8,507 |
| Net interest income | $521,000 | 7,906 |
| Provision for loan and lease losses | $16,000 | 5,712 |
| Total noninterest income | $114,000 | 6,753 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $80,000 | 5,471 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $34,000 | 6,958 |
| Total noninterest expense | $356,000 | 8,188 |
| Salaries and employee benefits | $192,000 | 8,242 |
| Premises and equipment expense | $38,000 | 8,135 |
| Additional noninterest expense | $126,000 | 7,876 |
| Pre-tax net operating income | $263,000 | 6,691 |
| Securities gains (losses) | $-6,000 | 7,728 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $257,000 | 6,325 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $257,000 | 6,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $87,000 | 4,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $263,000 | 6,288 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $310,000 | 8,229 |
| Total interest expense | $48,000 | 8,541 |
| Net interest income | $262,000 | 7,910 |
| Provision for loan and lease losses | $10,000 | 5,231 |
| Total noninterest income | $57,000 | 6,716 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $38,000 | 5,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,791 |
| Total noninterest expense | $172,000 | 8,247 |
| Salaries and employee benefits | $95,000 | 8,273 |
| Premises and equipment expense | $16,000 | 8,272 |
| Additional noninterest expense | $61,000 | 7,912 |
| Pre-tax net operating income | $137,000 | 6,588 |
| Securities gains (losses) | $-6,000 | 8,127 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $131,000 | 6,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $131,000 | 6,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $40,000 | 3,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $137,000 | 6,146 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,065,000 | 8,276 |
| Total interest expense | $146,000 | 8,550 |
| Net interest income | $919,000 | 8,060 |
| Provision for loan and lease losses | $48,000 | 5,807 |
| Total noninterest income | $193,000 | 7,126 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $133,000 | 5,840 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $60,000 | 7,171 |
| Total noninterest expense | $700,000 | 8,238 |
| Salaries and employee benefits | $364,000 | 8,320 |
| Premises and equipment expense | $85,000 | 8,029 |
| Additional noninterest expense | $251,000 | 7,915 |
| Pre-tax net operating income | $364,000 | 7,183 |
| Securities gains (losses) | $-11,000 | 7,567 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $353,000 | 6,962 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $353,000 | 6,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,820 |
| Cash dividends | $114,000 | 5,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $364,000 | 6,903 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $780,000 | 8,332 |
| Total interest expense | $104,000 | 8,593 |
| Net interest income | $676,000 | 8,132 |
| Provision for loan and lease losses | $36,000 | 5,642 |
| Total noninterest income | $137,000 | 7,237 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $96,000 | 5,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $41,000 | 7,302 |
| Total noninterest expense | $501,000 | 8,283 |
| Salaries and employee benefits | $264,000 | 8,338 |
| Premises and equipment expense | $59,000 | 8,132 |
| Additional noninterest expense | $178,000 | 8,005 |
| Pre-tax net operating income | $276,000 | 7,298 |
| Securities gains (losses) | $-11,000 | 7,939 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $265,000 | 7,099 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $265,000 | 7,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $86,000 | 4,793 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $276,000 | 7,003 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $510,000 | 8,361 |
| Total interest expense | $63,000 | 8,627 |
| Net interest income | $447,000 | 8,159 |
| Provision for loan and lease losses | $24,000 | 5,514 |
| Total noninterest income | $88,000 | 7,260 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $62,000 | 5,950 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $26,000 | 7,352 |
| Total noninterest expense | $337,000 | 8,273 |
| Salaries and employee benefits | $175,000 | 8,354 |
| Premises and equipment expense | $45,000 | 7,975 |
| Additional noninterest expense | $117,000 | 8,018 |
| Pre-tax net operating income | $174,000 | 7,383 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $174,000 | 7,127 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $174,000 | 7,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $55,000 | 4,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $174,000 | 7,097 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $252,000 | 8,441 |
| Total interest expense | $29,000 | 8,707 |
| Net interest income | $223,000 | 8,242 |
| Provision for loan and lease losses | $12,000 | 5,254 |
| Total noninterest income | $46,000 | 7,202 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $28,000 | 6,092 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 7,012 |
| Total noninterest expense | $161,000 | 8,402 |
| Salaries and employee benefits | $88,000 | 8,420 |
| Premises and equipment expense | $21,000 | 8,119 |
| Additional noninterest expense | $52,000 | 8,214 |
| Pre-tax net operating income | $96,000 | 7,283 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $96,000 | 6,965 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $96,000 | 6,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $29,000 | 3,643 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $96,000 | 6,938 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $941,000 | 8,446 |
| Total interest expense | $114,000 | 8,704 |
| Net interest income | $827,000 | 8,269 |
| Provision for loan and lease losses | $44,000 | 6,096 |
| Total noninterest income | $184,000 | 7,293 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $124,000 | 6,118 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $60,000 | 7,192 |
| Total noninterest expense | $689,000 | 8,334 |
| Salaries and employee benefits | $359,000 | 8,432 |
| Premises and equipment expense | $113,000 | 7,802 |
| Additional noninterest expense | $217,000 | 8,212 |
| Pre-tax net operating income | $278,000 | 7,512 |
| Securities gains (losses) | $-9,000 | 8,207 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $269,000 | 7,352 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $269,000 | 7,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,277 |
| Cash dividends | $67,000 | 5,722 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $278,000 | 7,274 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $700,000 | 8,497 |
| Total interest expense | $87,000 | 8,758 |
| Net interest income | $613,000 | 8,318 |
| Provision for loan and lease losses | $36,000 | 5,817 |
| Total noninterest income | $124,000 | 7,519 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $88,000 | 6,250 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $36,000 | 7,481 |
| Total noninterest expense | $526,000 | 8,322 |
| Salaries and employee benefits | $275,000 | 8,402 |
| Premises and equipment expense | $99,000 | 7,547 |
| Additional noninterest expense | $152,000 | 8,297 |
| Pre-tax net operating income | $175,000 | 7,805 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $175,000 | 7,619 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $175,000 | 7,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $47,000 | 5,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $175,000 | 7,568 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $459,000 | 8,570 |
| Total interest expense | $58,000 | 8,820 |
| Net interest income | $401,000 | 8,385 |
| Provision for loan and lease losses | $24,000 | 5,696 |
| Total noninterest income | $80,000 | 7,595 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $52,000 | 6,467 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $28,000 | 7,329 |
| Total noninterest expense | $355,000 | 8,349 |
| Salaries and employee benefits | $184,000 | 8,454 |
| Premises and equipment expense | $65,000 | 7,603 |
| Additional noninterest expense | $106,000 | 8,278 |
| Pre-tax net operating income | $102,000 | 7,911 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $102,000 | 7,757 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $102,000 | 7,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,531 |
| Cash dividends | $28,000 | 4,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $102,000 | 7,686 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $225,000 | 8,637 |
| Total interest expense | $30,000 | 8,857 |
| Net interest income | $195,000 | 8,465 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $42,000 | 7,514 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $26,000 | 6,426 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $16,000 | 7,156 |
| Total noninterest expense | $177,000 | 8,410 |
| Salaries and employee benefits | $92,000 | 8,495 |
| Premises and equipment expense | $31,000 | 7,720 |
| Additional noninterest expense | $54,000 | 8,302 |
| Pre-tax net operating income | $48,000 | 7,947 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $48,000 | 7,820 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $48,000 | 7,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $16,000 | 3,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $48,000 | 7,758 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $903,000 | 8,667 |
| Total interest expense | $161,000 | 8,839 |
| Net interest income | $742,000 | 8,497 |
| Provision for loan and lease losses | $40,000 | 6,511 |
| Total noninterest income | $188,000 | 7,454 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $133,000 | 6,105 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $55,000 | 7,433 |
| Total noninterest expense | $711,000 | 8,433 |
| Salaries and employee benefits | $365,000 | 8,542 |
| Premises and equipment expense | $127,000 | 7,709 |
| Additional noninterest expense | $219,000 | 8,314 |
| Pre-tax net operating income | $179,000 | 7,892 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $179,000 | 7,867 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $179,000 | 7,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,130 |
| Cash dividends | $49,000 | 5,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $179,000 | 7,734 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $674,000 | 8,758 |
| Total interest expense | $128,000 | 8,918 |
| Net interest income | $546,000 | 8,590 |
| Provision for loan and lease losses | $28,000 | 6,466 |
| Total noninterest income | $144,000 | 7,462 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $101,000 | 6,107 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $43,000 | 7,425 |
| Total noninterest expense | $528,000 | 8,460 |
| Salaries and employee benefits | $276,000 | 8,527 |
| Premises and equipment expense | $85,000 | 7,908 |
| Additional noninterest expense | $167,000 | 8,293 |
| Pre-tax net operating income | $134,000 | 8,061 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $134,000 | 8,017 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $134,000 | 8,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $47,000 | 5,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $134,000 | 7,877 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $453,000 | 8,800 |
| Total interest expense | $89,000 | 8,953 |
| Net interest income | $364,000 | 8,623 |
| Provision for loan and lease losses | $17,000 | 6,512 |
| Total noninterest income | $96,000 | 7,467 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $68,000 | 6,077 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $28,000 | 7,414 |
| Total noninterest expense | $329,000 | 8,575 |
| Salaries and employee benefits | $184,000 | 8,568 |
| Premises and equipment expense | $39,000 | 8,415 |
| Additional noninterest expense | $106,000 | 8,365 |
| Pre-tax net operating income | $114,000 | 7,888 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $114,000 | 7,804 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $114,000 | 7,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,047 |
| Cash dividends | $38,000 | 4,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $114,000 | 7,635 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $228,000 | 8,850 |
| Total interest expense | $45,000 | 9,014 |
| Net interest income | $183,000 | 8,678 |
| Provision for loan and lease losses | $8,000 | 6,296 |
| Total noninterest income | $47,000 | 7,471 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 7,569 |
| Total noninterest expense | $161,000 | 8,651 |
| Salaries and employee benefits | $92,000 | 8,606 |
| Premises and equipment expense | $16,000 | 8,615 |
| Additional noninterest expense | $53,000 | 8,408 |
| Pre-tax net operating income | $61,000 | 7,828 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $61,000 | 7,669 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $61,000 | 7,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $21,000 | 3,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $61,000 | 7,520 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,062,000 | 8,800 |
| Total interest expense | $276,000 | 8,936 |
| Net interest income | $786,000 | 8,612 |
| Provision for loan and lease losses | $24,000 | 7,371 |
| Total noninterest income | $150,000 | 7,827 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $117,000 | 6,301 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $33,000 | 8,097 |
| Total noninterest expense | $672,000 | 8,596 |
| Salaries and employee benefits | $346,000 | 8,712 |
| Premises and equipment expense | $100,000 | 8,169 |
| Additional noninterest expense | $226,000 | 8,366 |
| Pre-tax net operating income | $240,000 | 7,786 |
| Securities gains (losses) | $2,000 | 4,234 |
| Applicable income taxes | $39,000 | 6,703 |
| Income before extraordinary items | $203,000 | 7,825 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $203,000 | 7,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,433 |
| Cash dividends | $80,000 | 5,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $201,320 | 7,735 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,291,000 | 8,906 |
| Total interest expense | $560,000 | 8,903 |
| Net interest income | $731,000 | 8,797 |
| Provision for loan and lease losses | $15,000 | 7,716 |
| Total noninterest income | $108,000 | 8,399 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $74,000 | 7,088 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $34,000 | 8,222 |
| Total noninterest expense | $613,000 | 8,897 |
| Salaries and employee benefits | $305,000 | 9,041 |
| Premises and equipment expense | $111,000 | 8,127 |
| Additional noninterest expense | $197,000 | 8,680 |
| Pre-tax net operating income | $211,000 | 7,825 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $37,000 | 6,929 |
| Income before extraordinary items | $175,000 | 7,891 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $175,000 | 7,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,863 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $174,170 | 7,785 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,296,000 | 9,159 |
| Total interest expense | $580,000 | 9,093 |
| Net interest income | $716,000 | 9,075 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $63,000 | 9,139 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 7,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 8,923 |
| Total noninterest expense | $494,000 | 9,406 |
| Salaries and employee benefits | $260,000 | 9,422 |
| Premises and equipment expense | $73,000 | 8,931 |
| Additional noninterest expense | $161,000 | 9,151 |
| Pre-tax net operating income | $285,000 | 7,964 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $101,000 | 6,491 |
| Income before extraordinary items | $184,000 | 8,169 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $184,000 | 8,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $184,000 | 8,173 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,169,000 | 9,461 |
| Total interest expense | $607,000 | 9,186 |
| Net interest income | $562,000 | 9,576 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $53,000 | 9,549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 8,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,132 |
| Total noninterest expense | $486,000 | 9,667 |
| Salaries and employee benefits | $257,000 | 9,690 |
| Premises and equipment expense | $72,000 | 9,182 |
| Additional noninterest expense | $157,000 | 9,451 |
| Pre-tax net operating income | $129,000 | 8,934 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $25,000 | 8,122 |
| Income before extraordinary items | $104,000 | 8,934 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $104,000 | 8,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $104,000 | 8,906 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,157,000 | 9,707 |
| Total interest expense | $591,000 | 9,502 |
| Net interest income | $566,000 | 9,803 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $56,000 | 9,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 8,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,196 |
| Total noninterest expense | $482,000 | 9,841 |
| Salaries and employee benefits | $262,000 | 9,819 |
| Premises and equipment expense | $71,000 | 9,346 |
| Additional noninterest expense | $149,000 | 9,666 |
| Pre-tax net operating income | $140,000 | 9,230 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $38,000 | 8,546 |
| Income before extraordinary items | $102,000 | 9,331 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $102,000 | 9,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $102,000 | 9,260 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $879,000 | 10,402 |
| Total interest expense | $385,000 | 10,362 |
| Net interest income | $494,000 | 10,381 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $75,000 | 9,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 8,702 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,049 |
| Total noninterest expense | $459,000 | 10,290 |
| Salaries and employee benefits | $239,000 | 10,337 |
| Premises and equipment expense | $66,000 | 9,815 |
| Additional noninterest expense | $154,000 | 9,946 |
| Pre-tax net operating income | $110,000 | 10,030 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $19,000 | 9,739 |
| Income before extraordinary items | $91,000 | 10,011 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $91,000 | 10,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $89,000 | 6,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $91,000 | 9,971 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $884,000 | 10,944 |
| Total interest expense | $336,000 | 11,013 |
| Net interest income | $548,000 | 10,777 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $70,000 | 10,476 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,949 |
| Total noninterest expense | $454,000 | 10,774 |
| Salaries and employee benefits | $245,000 | 10,744 |
| Premises and equipment expense | $68,000 | 10,142 |
| Additional noninterest expense | $141,000 | 10,658 |
| Pre-tax net operating income | $164,000 | 10,003 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $49,000 | 9,705 |
| Income before extraordinary items | $115,000 | 10,093 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $115,000 | 10,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $589,000 | 3,107 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $115,000 | 10,039 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $899,000 | 11,426 |
| Total interest expense | $315,000 | 11,549 |
| Net interest income | $584,000 | 11,168 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $74,000 | 10,860 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 9,531 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,029 |
| Total noninterest expense | $444,000 | 11,259 |
| Salaries and employee benefits | $254,000 | 11,124 |
| Premises and equipment expense | $69,000 | 10,506 |
| Additional noninterest expense | $121,000 | 11,412 |
| Pre-tax net operating income | $214,000 | 10,377 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $55,000 | 10,091 |
| Income before extraordinary items | $159,000 | 10,379 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $159,000 | 10,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $191,000 | 5,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $159,000 | 10,353 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $868,000 | 11,955 |
| Total interest expense | $300,000 | 12,037 |
| Net interest income | $568,000 | 11,807 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $72,000 | 11,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 10,793 |
| Total noninterest expense | $451,000 | 11,830 |
| Salaries and employee benefits | $236,000 | 11,786 |
| Premises and equipment expense | $74,000 | 10,838 |
| Additional noninterest expense | $141,000 | 11,905 |
| Pre-tax net operating income | $189,000 | 10,976 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $30,000 | 10,923 |
| Income before extraordinary items | $159,000 | 10,710 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $159,000 | 10,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,944 |
| Cash dividends | $111,000 | 6,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $159,000 | 10,758 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $969,000 | 12,352 |
| Total interest expense | $314,000 | 12,615 |
| Net interest income | $655,000 | 12,020 |
| Provision for loan and lease losses | $-20,000 | 12,579 |
| Total noninterest income | $72,000 | 12,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 10,371 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,240 |
| Total noninterest expense | $466,000 | 12,325 |
| Salaries and employee benefits | $238,000 | 12,298 |
| Premises and equipment expense | $69,000 | 11,541 |
| Additional noninterest expense | $159,000 | 12,302 |
| Pre-tax net operating income | $281,000 | 10,389 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $60,000 | 10,703 |
| Income before extraordinary items | $225,000 | 10,341 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $225,000 | 10,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 12,742 |
| Cash dividends | $547,000 | 2,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $221,840 | 10,151 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,080,000 | 12,879 |
| Total interest expense | $431,000 | 13,061 |
| Net interest income | $649,000 | 12,520 |
| Provision for loan and lease losses | $32,000 | 9,896 |
| Total noninterest income | $67,000 | 12,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 10,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 12,470 |
| Total noninterest expense | $447,000 | 12,914 |
| Salaries and employee benefits | $228,000 | 12,854 |
| Premises and equipment expense | $61,000 | 12,225 |
| Additional noninterest expense | $158,000 | 12,822 |
| Pre-tax net operating income | $237,000 | 10,732 |
| Securities gains (losses) | $51,000 | 4,091 |
| Applicable income taxes | $54,000 | 11,145 |
| Income before extraordinary items | $234,000 | 10,120 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $234,000 | 10,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 7,168 |
| Cash dividends | $21,000 | 8,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $192,690 | 10,371 |
* 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.