Home > Franklin Bank, S.S.B. > Income and Expense
Franklin Bank, S.S.B., Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $197,527,000 | 190 |
| Total interest expense | $149,605,000 | 118 |
| Net interest income | $47,922,000 | 377 |
| Provision for loan and lease losses | $213,127,000 | 66 |
| Total noninterest income | $-10,376,000 | 8,373 |
| Gross Fiduciary activities income | $427,000 | 549 |
| Service charges on deposit accounts | $9,130,000 | 164 |
| Trading account gains and fees | $-23,483,000 | 8,364 |
| Additional Noninterest Income | $3,550,000 | 729 |
| Total noninterest expense | $202,265,000 | 107 |
| Salaries and employee benefits | $32,503,000 | 237 |
| Premises and equipment expense | $6,959,000 | 318 |
| Additional noninterest expense | $162,803,000 | 75 |
| Pre-tax net operating income | $-377,846,000 | 8,374 |
| Securities gains (losses) | $-309,000 | 7,672 |
| Applicable income taxes | $5,171,000 | 309 |
| Income before extraordinary items | $-383,326,000 | 8,368 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-383,326,000 | 8,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,272,000 | 66 |
| Cash dividends | $1,600,000 | 1,238 |
| Sale, conversion, retirement of capital stock, net | $1,113,000 | 287 |
| Net operating income | $-383,017,000 | 8,370 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $139,994,000 | 184 |
| Total interest expense | $103,449,000 | 121 |
| Net interest income | $36,545,000 | 333 |
| Provision for loan and lease losses | $65,743,000 | 96 |
| Total noninterest income | $8,731,000 | 421 |
| Gross Fiduciary activities income | $294,000 | 550 |
| Service charges on deposit accounts | $6,166,000 | 164 |
| Trading account gains and fees | $-7,121,000 | 8,431 |
| Additional Noninterest Income | $9,392,000 | 277 |
| Total noninterest expense | $144,065,000 | 109 |
| Salaries and employee benefits | $20,526,000 | 248 |
| Premises and equipment expense | $4,706,000 | 313 |
| Additional noninterest expense | $118,833,000 | 74 |
| Pre-tax net operating income | $-164,532,000 | 8,440 |
| Securities gains (losses) | $875,000 | 193 |
| Applicable income taxes | $-26,431,000 | 8,423 |
| Income before extraordinary items | $-137,226,000 | 8,431 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-137,226,000 | 8,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,018,000 | 78 |
| Cash dividends | $1,600,000 | 923 |
| Sale, conversion, retirement of capital stock, net | $609,000 | 245 |
| Net operating income | $-137,961,000 | 8,431 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $74,844,000 | 182 |
| Total interest expense | $54,063,000 | 127 |
| Net interest income | $20,781,000 | 308 |
| Provision for loan and lease losses | $20,921,000 | 111 |
| Total noninterest income | $2,006,000 | 749 |
| Gross Fiduciary activities income | $149,000 | 563 |
| Service charges on deposit accounts | $2,815,000 | 171 |
| Trading account gains and fees | $-6,999,000 | 8,476 |
| Additional Noninterest Income | $6,041,000 | 243 |
| Total noninterest expense | $46,569,000 | 143 |
| Salaries and employee benefits | $9,975,000 | 254 |
| Premises and equipment expense | $2,198,000 | 333 |
| Additional noninterest expense | $34,396,000 | 92 |
| Pre-tax net operating income | $-44,703,000 | 8,480 |
| Securities gains (losses) | $875,000 | 161 |
| Applicable income taxes | $-8,126,000 | 8,466 |
| Income before extraordinary items | $-35,702,000 | 8,474 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-35,702,000 | 8,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,367,000 | 159 |
| Cash dividends | $1,600,000 | 512 |
| Sale, conversion, retirement of capital stock, net | $305,000 | 171 |
| Net operating income | $-36,410,750 | 8,471 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $325,256,000 | 171 |
| Total interest expense | $219,461,000 | 136 |
| Net interest income | $105,795,000 | 239 |
| Provision for loan and lease losses | $49,854,000 | 93 |
| Total noninterest income | $11,291,000 | 563 |
| Gross Fiduciary activities income | $509,000 | 587 |
| Service charges on deposit accounts | $7,970,000 | 232 |
| Trading account gains and fees | $-2,545,000 | 8,510 |
| Additional Noninterest Income | $5,357,000 | 638 |
| Total noninterest expense | $142,549,000 | 165 |
| Salaries and employee benefits | $38,551,000 | 258 |
| Premises and equipment expense | $8,715,000 | 322 |
| Additional noninterest expense | $95,283,000 | 118 |
| Pre-tax net operating income | $-75,317,000 | 8,524 |
| Securities gains (losses) | $2,031,000 | 114 |
| Applicable income taxes | $-19,724,000 | 8,518 |
| Income before extraordinary items | $-53,562,000 | 8,516 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-53,562,000 | 8,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,882,000 | 160 |
| Cash dividends | $3,000,000 | 1,163 |
| Sale, conversion, retirement of capital stock, net | $1,154,000 | 410 |
| Net operating income | $-55,044,630 | 8,514 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $241,977,000 | 171 |
| Total interest expense | $162,511,000 | 138 |
| Net interest income | $79,466,000 | 237 |
| Provision for loan and lease losses | $10,888,000 | 150 |
| Total noninterest income | $14,816,000 | 386 |
| Gross Fiduciary activities income | $332,000 | 617 |
| Service charges on deposit accounts | $5,420,000 | 254 |
| Trading account gains and fees | $12,000 | 166 |
| Additional Noninterest Income | $9,052,000 | 365 |
| Total noninterest expense | $55,472,000 | 273 |
| Salaries and employee benefits | $29,019,000 | 260 |
| Premises and equipment expense | $6,270,000 | 335 |
| Additional noninterest expense | $20,183,000 | 266 |
| Pre-tax net operating income | $27,922,000 | 313 |
| Securities gains (losses) | $189,000 | 380 |
| Applicable income taxes | $8,881,000 | 316 |
| Income before extraordinary items | $19,230,000 | 320 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $19,230,000 | 318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,542,000 | 210 |
| Cash dividends | $3,000,000 | 857 |
| Sale, conversion, retirement of capital stock, net | $791,000 | 346 |
| Net operating income | $19,101,480 | 316 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $160,499,000 | 184 |
| Total interest expense | $106,785,000 | 152 |
| Net interest income | $53,714,000 | 250 |
| Provision for loan and lease losses | $1,522,000 | 412 |
| Total noninterest income | $13,242,000 | 325 |
| Gross Fiduciary activities income | $139,000 | 731 |
| Service charges on deposit accounts | $3,084,000 | 297 |
| Trading account gains and fees | $1,571,000 | 63 |
| Additional Noninterest Income | $8,448,000 | 301 |
| Total noninterest expense | $35,450,000 | 288 |
| Salaries and employee benefits | $18,601,000 | 278 |
| Premises and equipment expense | $3,872,000 | 368 |
| Additional noninterest expense | $12,977,000 | 283 |
| Pre-tax net operating income | $29,984,000 | 230 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $10,001,000 | 231 |
| Income before extraordinary items | $19,983,000 | 235 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $19,983,000 | 234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,166,000 | 262 |
| Cash dividends | $3,001,000 | 639 |
| Sale, conversion, retirement of capital stock, net | $463,000 | 312 |
| Net operating income | $19,983,000 | 235 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $78,312,000 | 186 |
| Total interest expense | $53,838,000 | 146 |
| Net interest income | $24,474,000 | 265 |
| Provision for loan and lease losses | $615,000 | 440 |
| Total noninterest income | $6,132,000 | 339 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,225,000 | 356 |
| Trading account gains and fees | $914,000 | 62 |
| Additional Noninterest Income | $3,993,000 | 314 |
| Total noninterest expense | $16,258,000 | 322 |
| Salaries and employee benefits | $8,744,000 | 298 |
| Premises and equipment expense | $1,725,000 | 407 |
| Additional noninterest expense | $5,789,000 | 297 |
| Pre-tax net operating income | $13,733,000 | 252 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $4,406,000 | 266 |
| Income before extraordinary items | $9,327,000 | 258 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $9,327,000 | 257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 544 |
| Cash dividends | $3,000,000 | 330 |
| Sale, conversion, retirement of capital stock, net | $212,000 | 235 |
| Net operating income | $9,327,000 | 256 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $291,919,000 | 177 |
| Total interest expense | $190,719,000 | 141 |
| Net interest income | $101,200,000 | 253 |
| Provision for loan and lease losses | $3,804,000 | 316 |
| Total noninterest income | $6,848,000 | 850 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $4,970,000 | 353 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,878,000 | 1,430 |
| Total noninterest expense | $65,992,000 | 304 |
| Salaries and employee benefits | $35,034,000 | 283 |
| Premises and equipment expense | $7,123,000 | 371 |
| Additional noninterest expense | $23,835,000 | 278 |
| Pre-tax net operating income | $38,252,000 | 334 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $13,882,000 | 310 |
| Income before extraordinary items | $24,368,000 | 358 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $24,368,000 | 356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,500,000 | 186 |
| Cash dividends | $3,542,000 | 971 |
| Sale, conversion, retirement of capital stock, net | $1,776,000 | 430 |
| Net operating income | $24,369,280 | 355 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $209,925,000 | 193 |
| Total interest expense | $134,468,000 | 150 |
| Net interest income | $75,457,000 | 266 |
| Provision for loan and lease losses | $1,364,000 | 573 |
| Total noninterest income | $15,170,000 | 384 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $3,682,000 | 359 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,488,000 | 335 |
| Total noninterest expense | $49,476,000 | 316 |
| Salaries and employee benefits | $25,957,000 | 296 |
| Premises and equipment expense | $5,361,000 | 374 |
| Additional noninterest expense | $18,158,000 | 283 |
| Pre-tax net operating income | $39,787,000 | 287 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $14,441,000 | 257 |
| Income before extraordinary items | $25,344,000 | 300 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $25,344,000 | 300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $519,000 | 784 |
| Cash dividends | $3,542,000 | 720 |
| Sale, conversion, retirement of capital stock, net | $1,164,000 | 359 |
| Net operating income | $25,345,280 | 297 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $134,414,000 | 199 |
| Total interest expense | $83,228,000 | 156 |
| Net interest income | $51,186,000 | 266 |
| Provision for loan and lease losses | $757,000 | 665 |
| Total noninterest income | $9,788,000 | 397 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,303,000 | 374 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $7,485,000 | 338 |
| Total noninterest expense | $32,487,000 | 326 |
| Salaries and employee benefits | $17,947,000 | 292 |
| Premises and equipment expense | $3,458,000 | 385 |
| Additional noninterest expense | $11,082,000 | 311 |
| Pre-tax net operating income | $27,730,000 | 272 |
| Securities gains (losses) | $-2,000 | 7,528 |
| Applicable income taxes | $10,065,000 | 257 |
| Income before extraordinary items | $17,663,000 | 293 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $17,663,000 | 293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 775 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $459,000 | 343 |
| Net operating income | $17,664,280 | 288 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $60,860,000 | 209 |
| Total interest expense | $36,432,000 | 170 |
| Net interest income | $24,428,000 | 276 |
| Provision for loan and lease losses | $329,000 | 724 |
| Total noninterest income | $4,500,000 | 422 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,133,000 | 365 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,367,000 | 357 |
| Total noninterest expense | $16,151,000 | 326 |
| Salaries and employee benefits | $8,785,000 | 301 |
| Premises and equipment expense | $1,764,000 | 383 |
| Additional noninterest expense | $5,602,000 | 304 |
| Pre-tax net operating income | $12,448,000 | 290 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $4,518,000 | 266 |
| Income before extraordinary items | $7,928,000 | 308 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $7,928,000 | 307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 612 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $229,000 | 236 |
| Net operating income | $7,929,280 | 301 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $197,819,000 | 221 |
| Total interest expense | $108,700,000 | 168 |
| Net interest income | $89,119,000 | 286 |
| Provision for loan and lease losses | $4,859,000 | 247 |
| Total noninterest income | $16,990,000 | 450 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,999,000 | 426 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $12,991,000 | 374 |
| Total noninterest expense | $54,830,000 | 355 |
| Salaries and employee benefits | $28,370,000 | 337 |
| Premises and equipment expense | $5,069,000 | 491 |
| Additional noninterest expense | $21,391,000 | 316 |
| Pre-tax net operating income | $46,420,000 | 295 |
| Securities gains (losses) | $974,000 | 196 |
| Applicable income taxes | $17,127,000 | 268 |
| Income before extraordinary items | $30,267,000 | 306 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $30,267,000 | 307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $414,000 | 1,360 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $29,643,640 | 302 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $141,847,000 | 225 |
| Total interest expense | $75,787,000 | 167 |
| Net interest income | $66,060,000 | 286 |
| Provision for loan and lease losses | $416,000 | 1,666 |
| Total noninterest income | $12,547,000 | 449 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,796,000 | 455 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,751,000 | 369 |
| Total noninterest expense | $40,879,000 | 353 |
| Salaries and employee benefits | $21,735,000 | 331 |
| Premises and equipment expense | $3,530,000 | 518 |
| Additional noninterest expense | $15,614,000 | 317 |
| Pre-tax net operating income | $37,312,000 | 280 |
| Securities gains (losses) | $771,000 | 205 |
| Applicable income taxes | $13,762,000 | 266 |
| Income before extraordinary items | $24,321,000 | 292 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $24,321,000 | 293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 1,217 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $23,827,560 | 292 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $88,790,000 | 224 |
| Total interest expense | $46,246,000 | 170 |
| Net interest income | $42,544,000 | 295 |
| Provision for loan and lease losses | $844,000 | 602 |
| Total noninterest income | $8,098,000 | 455 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,644,000 | 505 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $6,454,000 | 364 |
| Total noninterest expense | $26,102,000 | 365 |
| Salaries and employee benefits | $13,882,000 | 343 |
| Premises and equipment expense | $2,133,000 | 559 |
| Additional noninterest expense | $10,087,000 | 324 |
| Pre-tax net operating income | $23,696,000 | 283 |
| Securities gains (losses) | $44,000 | 835 |
| Applicable income taxes | $8,579,000 | 268 |
| Income before extraordinary items | $15,161,000 | 305 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $15,161,000 | 305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 1,451 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $15,132,840 | 301 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $41,357,000 | 229 |
| Total interest expense | $20,113,000 | 184 |
| Net interest income | $21,244,000 | 291 |
| Provision for loan and lease losses | $418,000 | 571 |
| Total noninterest income | $3,333,000 | 499 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $748,000 | 534 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,585,000 | 416 |
| Total noninterest expense | $12,406,000 | 379 |
| Salaries and employee benefits | $6,644,000 | 356 |
| Premises and equipment expense | $1,013,000 | 588 |
| Additional noninterest expense | $4,749,000 | 343 |
| Pre-tax net operating income | $11,753,000 | 280 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $4,247,000 | 264 |
| Income before extraordinary items | $7,506,000 | 294 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $7,506,000 | 294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 912 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $7,506,000 | 289 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $118,719,000 | 288 |
| Total interest expense | $51,161,000 | 212 |
| Net interest income | $67,558,000 | 340 |
| Provision for loan and lease losses | $2,081,000 | 523 |
| Total noninterest income | $11,800,000 | 546 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,138,000 | 820 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $9,662,000 | 422 |
| Total noninterest expense | $38,590,000 | 465 |
| Salaries and employee benefits | $20,022,000 | 450 |
| Premises and equipment expense | $3,263,000 | 706 |
| Additional noninterest expense | $15,305,000 | 392 |
| Pre-tax net operating income | $38,687,000 | 317 |
| Securities gains (losses) | $229,000 | 765 |
| Applicable income taxes | $13,590,000 | 303 |
| Income before extraordinary items | $25,326,000 | 335 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $25,326,000 | 333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $718,000 | 982 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $25,177,150 | 324 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $83,193,000 | 300 |
| Total interest expense | $35,471,000 | 222 |
| Net interest income | $47,722,000 | 351 |
| Provision for loan and lease losses | $1,747,000 | 464 |
| Total noninterest income | $8,300,000 | 572 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,545,000 | 844 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,755,000 | 451 |
| Total noninterest expense | $27,137,000 | 484 |
| Salaries and employee benefits | $13,880,000 | 487 |
| Premises and equipment expense | $2,487,000 | 701 |
| Additional noninterest expense | $10,770,000 | 414 |
| Pre-tax net operating income | $27,138,000 | 323 |
| Securities gains (losses) | $185,000 | 797 |
| Applicable income taxes | $9,542,000 | 321 |
| Income before extraordinary items | $17,781,000 | 349 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $17,781,000 | 348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $667,000 | 762 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $17,660,750 | 338 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $50,986,000 | 314 |
| Total interest expense | $20,650,000 | 234 |
| Net interest income | $30,336,000 | 363 |
| Provision for loan and lease losses | $1,191,000 | 462 |
| Total noninterest income | $4,513,000 | 664 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $998,000 | 860 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,515,000 | 534 |
| Total noninterest expense | $17,306,000 | 502 |
| Salaries and employee benefits | $8,892,000 | 500 |
| Premises and equipment expense | $1,746,000 | 663 |
| Additional noninterest expense | $6,668,000 | 429 |
| Pre-tax net operating income | $16,352,000 | 341 |
| Securities gains (losses) | $113,000 | 955 |
| Applicable income taxes | $5,769,000 | 340 |
| Income before extraordinary items | $10,696,000 | 364 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $10,696,000 | 363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $555,000 | 641 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $10,622,550 | 354 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $23,837,000 | 333 |
| Total interest expense | $9,197,000 | 262 |
| Net interest income | $14,640,000 | 383 |
| Provision for loan and lease losses | $793,000 | 368 |
| Total noninterest income | $1,814,000 | 769 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $429,000 | 992 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,385,000 | 623 |
| Total noninterest expense | $8,474,000 | 514 |
| Salaries and employee benefits | $4,370,000 | 515 |
| Premises and equipment expense | $887,000 | 656 |
| Additional noninterest expense | $3,217,000 | 437 |
| Pre-tax net operating income | $7,187,000 | 374 |
| Securities gains (losses) | $109,000 | 757 |
| Applicable income taxes | $2,536,000 | 378 |
| Income before extraordinary items | $4,760,000 | 405 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $4,760,000 | 404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,144 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $4,689,150 | 387 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $40,238,000 | 694 |
| Total interest expense | $19,485,000 | 473 |
| Net interest income | $20,753,000 | 929 |
| Provision for loan and lease losses | $1,004,000 | 1,178 |
| Total noninterest income | $3,846,000 | 1,388 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $143,000 | 5,948 |
| Trading account gains and fees | $20,000 | 145 |
| Additional Noninterest Income | $3,683,000 | 949 |
| Total noninterest expense | $16,116,000 | 1,017 |
| Salaries and employee benefits | $9,049,000 | 949 |
| Premises and equipment expense | $1,471,000 | 1,554 |
| Additional noninterest expense | $5,596,000 | 907 |
| Pre-tax net operating income | $7,479,000 | 1,119 |
| Securities gains (losses) | $839,000 | 539 |
| Applicable income taxes | $2,913,000 | 947 |
| Income before extraordinary items | $5,405,000 | 1,185 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,405,000 | 1,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 2,500 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,859,650 | 1,247 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $26,492,000 | 823 |
| Total interest expense | $12,536,000 | 568 |
| Net interest income | $13,956,000 | 1,049 |
| Provision for loan and lease losses | $876,000 | 1,010 |
| Total noninterest income | $2,452,000 | 1,611 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $91,000 | 6,296 |
| Trading account gains and fees | $20,000 | 139 |
| Additional Noninterest Income | $2,341,000 | 1,106 |
| Total noninterest expense | $8,969,000 | 1,358 |
| Salaries and employee benefits | $4,348,000 | 1,487 |
| Premises and equipment expense | $985,000 | 1,741 |
| Additional noninterest expense | $3,636,000 | 1,060 |
| Pre-tax net operating income | $6,563,000 | 994 |
| Securities gains (losses) | $840,000 | 496 |
| Applicable income taxes | $2,578,000 | 877 |
| Income before extraordinary items | $4,825,000 | 1,045 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,825,000 | 1,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,919 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,279,000 | 1,101 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,407,000 | 940 |
| Total interest expense | $7,151,000 | 675 |
| Net interest income | $8,256,000 | 1,186 |
| Provision for loan and lease losses | $655,000 | 916 |
| Total noninterest income | $1,033,000 | 2,300 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $56,000 | 6,407 |
| Trading account gains and fees | $20,000 | 132 |
| Additional Noninterest Income | $957,000 | 1,569 |
| Total noninterest expense | $5,258,000 | 1,531 |
| Salaries and employee benefits | $2,948,000 | 1,461 |
| Premises and equipment expense | $496,000 | 2,273 |
| Additional noninterest expense | $1,814,000 | 1,362 |
| Pre-tax net operating income | $3,376,000 | 1,262 |
| Securities gains (losses) | $593,000 | 514 |
| Applicable income taxes | $1,382,000 | 1,062 |
| Income before extraordinary items | $2,587,000 | 1,274 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,587,000 | 1,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 1,423 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,201,550 | 1,397 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,820,000 | 1,275 |
| Total interest expense | $2,666,000 | 921 |
| Net interest income | $3,154,000 | 1,545 |
| Provision for loan and lease losses | $304,000 | 903 |
| Total noninterest income | $231,000 | 3,812 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $21,000 | 6,829 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $210,000 | 2,635 |
| Total noninterest expense | $2,033,000 | 1,921 |
| Salaries and employee benefits | $1,296,000 | 1,643 |
| Premises and equipment expense | $151,000 | 3,467 |
| Additional noninterest expense | $586,000 | 2,005 |
| Pre-tax net operating income | $1,048,000 | 1,956 |
| Securities gains (losses) | $442,000 | 385 |
| Applicable income taxes | $525,000 | 1,312 |
| Income before extraordinary items | $965,000 | 1,664 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $965,000 | 1,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $677,700 | 2,134 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,570,000 | 4,260 |
| Total interest expense | $3,356,000 | 3,222 |
| Net interest income | $3,214,000 | 5,063 |
| Provision for loan and lease losses | $152,000 | 4,891 |
| Total noninterest income | $157,000 | 7,756 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $64,000 | 7,261 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $93,000 | 6,581 |
| Total noninterest expense | $3,878,000 | 3,639 |
| Salaries and employee benefits | $1,907,000 | 3,896 |
| Premises and equipment expense | $353,000 | 5,071 |
| Additional noninterest expense | $1,618,000 | 2,778 |
| Pre-tax net operating income | $-659,000 | 9,038 |
| Securities gains (losses) | $187,000 | 1,215 |
| Applicable income taxes | $-97,000 | 9,060 |
| Income before extraordinary items | $-375,000 | 9,003 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-375,000 | 9,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 3,030 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $85,748,000 | 13 |
| Net operating income | $-522,730 | 8,999 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,633,000 | 6,653 |
| Total interest expense | $1,797,000 | 6,416 |
| Net interest income | $1,836,000 | 6,729 |
| Provision for loan and lease losses | $167,000 | 4,573 |
| Total noninterest income | $211,000 | 7,197 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $107,000 | 6,451 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $104,000 | 6,355 |
| Total noninterest expense | $1,871,000 | 5,989 |
| Salaries and employee benefits | $830,000 | 6,659 |
| Premises and equipment expense | $378,000 | 4,784 |
| Additional noninterest expense | $663,000 | 5,468 |
| Pre-tax net operating income | $9,000 | 8,683 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-2,000 | 8,936 |
| Income before extraordinary items | $11,000 | 8,773 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $11,000 | 8,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,490 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $11,000 | 8,690 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,411,000 | 7,000 |
| Total interest expense | $1,686,000 | 6,797 |
| Net interest income | $1,725,000 | 7,067 |
| Provision for loan and lease losses | $132,000 | 4,658 |
| Total noninterest income | $142,000 | 8,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,312 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 6,963 |
| Total noninterest expense | $1,480,000 | 6,798 |
| Salaries and employee benefits | $640,000 | 7,494 |
| Premises and equipment expense | $350,000 | 4,931 |
| Additional noninterest expense | $490,000 | 6,502 |
| Pre-tax net operating income | $255,000 | 8,098 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $88,000 | 6,675 |
| Income before extraordinary items | $167,000 | 8,304 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $167,000 | 8,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $889,000 | 474 |
| Net operating income | $167,000 | 8,310 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,906,000 | 8,605 |
| Total interest expense | $943,000 | 8,332 |
| Net interest income | $963,000 | 8,713 |
| Provision for loan and lease losses | $15,000 | 7,855 |
| Total noninterest income | $167,000 | 7,878 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,370 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 5,751 |
| Total noninterest expense | $1,131,000 | 7,749 |
| Salaries and employee benefits | $527,000 | 8,174 |
| Premises and equipment expense | $248,000 | 6,065 |
| Additional noninterest expense | $356,000 | 7,649 |
| Pre-tax net operating income | $-16,000 | 9,446 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $7,000 | 8,560 |
| Income before extraordinary items | $-23,000 | 9,476 |
| Extraordinary gains, net | $24,000 | 22 |
| Net income | $1,000 | 9,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,930 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-23,000 | 9,452 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $960,000 | 9,888 |
| Total interest expense | $346,000 | 9,989 |
| Net interest income | $614,000 | 9,697 |
| Provision for loan and lease losses | $204,000 | 3,472 |
| Total noninterest income | $840,000 | 3,491 |
| 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 | $810,000 | 2,157 |
| Total noninterest expense | $844,000 | 8,622 |
| Salaries and employee benefits | $330,000 | 9,423 |
| Premises and equipment expense | $106,000 | 8,578 |
| Additional noninterest expense | $408,000 | 7,154 |
| Pre-tax net operating income | $406,000 | 7,847 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $139,000 | 6,991 |
| Income before extraordinary items | $271,000 | 8,102 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $271,000 | 8,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,064 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $1,562,000 | 418 |
| Net operating income | $268,360 | 8,045 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $970,000 | 10,332 |
| Total interest expense | $379,000 | 10,369 |
| Net interest income | $591,000 | 10,205 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $159,000 | 8,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 6,577 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,328 |
| Total noninterest expense | $679,000 | 9,461 |
| Salaries and employee benefits | $289,000 | 10,028 |
| Premises and equipment expense | $120,000 | 8,493 |
| Additional noninterest expense | $270,000 | 8,624 |
| Pre-tax net operating income | $71,000 | 10,172 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $16,000 | 9,792 |
| Income before extraordinary items | $55,000 | 10,209 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $55,000 | 10,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $55,000 | 10,176 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $945,000 | 10,889 |
| Total interest expense | $347,000 | 10,991 |
| Net interest income | $598,000 | 10,662 |
| Provision for loan and lease losses | $3,000 | 8,923 |
| Total noninterest income | $164,000 | 8,793 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 9,747 |
| Total noninterest expense | $601,000 | 10,165 |
| Salaries and employee benefits | $274,000 | 10,552 |
| Premises and equipment expense | $94,000 | 9,448 |
| Additional noninterest expense | $233,000 | 9,579 |
| Pre-tax net operating income | $158,000 | 10,035 |
| Securities gains (losses) | $-89,000 | 11,173 |
| Applicable income taxes | $17,000 | 10,255 |
| Income before extraordinary items | $52,000 | 10,568 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $52,000 | 10,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $118,750 | 10,006 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $903,000 | 11,421 |
| Total interest expense | $350,000 | 11,478 |
| Net interest income | $553,000 | 11,260 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $132,000 | 9,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,525 |
| Total noninterest expense | $591,000 | 10,602 |
| Salaries and employee benefits | $271,000 | 10,999 |
| Premises and equipment expense | $92,000 | 9,856 |
| Additional noninterest expense | $228,000 | 10,088 |
| Pre-tax net operating income | $94,000 | 11,118 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $16,000 | 10,816 |
| Income before extraordinary items | $70,000 | 11,174 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $70,000 | 11,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $76,480 | 11,105 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $784,000 | 12,084 |
| Total interest expense | $279,000 | 12,102 |
| Net interest income | $505,000 | 12,000 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $140,000 | 9,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 8,093 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,157 |
| Total noninterest expense | $570,000 | 11,266 |
| Salaries and employee benefits | $233,000 | 11,814 |
| Premises and equipment expense | $81,000 | 10,622 |
| Additional noninterest expense | $256,000 | 10,457 |
| Pre-tax net operating income | $75,000 | 11,779 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $19,000 | 11,165 |
| Income before extraordinary items | $55,000 | 11,770 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $55,000 | 11,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,873 |
| Cash dividends | $19,000 | 8,621 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $55,740 | 11,812 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $760,000 | 12,731 |
| Total interest expense | $276,000 | 12,763 |
| Net interest income | $484,000 | 12,596 |
| Provision for loan and lease losses | $31,000 | 8,369 |
| Total noninterest income | $127,000 | 10,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 8,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,679 |
| Total noninterest expense | $555,000 | 11,880 |
| Salaries and employee benefits | $199,000 | 12,651 |
| Premises and equipment expense | $58,000 | 11,921 |
| Additional noninterest expense | $298,000 | 10,480 |
| Pre-tax net operating income | $25,000 | 12,292 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-47,000 | 12,885 |
| Income before extraordinary items | $72,000 | 12,084 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $72,000 | 12,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 3,518 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $72,000 | 11,915 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $953,000 | 13,103 |
| Total interest expense | $391,000 | 13,211 |
| Net interest income | $562,000 | 12,872 |
| Provision for loan and lease losses | $296,000 | 4,189 |
| Total noninterest income | $156,000 | 10,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 7,823 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,703 |
| Total noninterest expense | $648,000 | 11,786 |
| Salaries and employee benefits | $223,000 | 12,899 |
| Premises and equipment expense | $71,000 | 11,832 |
| Additional noninterest expense | $354,000 | 10,142 |
| Pre-tax net operating income | $-226,000 | 13,117 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $-70,000 | 13,539 |
| Income before extraordinary items | $-154,000 | 13,129 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-154,000 | 13,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 3,709 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-155,380 | 12,995 |
* 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.