Home > Gateway Bank & Trust Company > Income and Expense
Gateway Bank & Trust Company, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $27,418,000 | 337 |
| Total interest expense | $8,334,000 | 398 |
| Net interest income | $19,084,000 | 304 |
| Provision for loan and lease losses | $750,000 | 1,392 |
| Total noninterest income | $4,689,000 | 389 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $957,000 | 425 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $3,732,000 | 313 |
| Total noninterest expense | $13,074,000 | 410 |
| Salaries and employee benefits | $7,558,000 | 337 |
| Premises and equipment expense | $2,390,000 | 309 |
| Additional noninterest expense | $3,126,000 | 563 |
| Pre-tax net operating income | $9,949,000 | 154 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $3,624,000 | 132 |
| Income before extraordinary items | $6,325,000 | 181 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $6,325,000 | 180 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $6,325,000 | 182 |
| Net charge-offs | $76,000 | 3,153 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $6,325,000 | 172 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $120,237,000 | 334 |
| Total interest expense | $59,092,000 | 280 |
| Net interest income | $61,145,000 | 377 |
| Provision for loan and lease losses | $48,200,000 | 196 |
| Total noninterest income | $17,241,000 | 395 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $4,616,000 | 376 |
| Trading account gains and fees | $-16,000 | 8,190 |
| Additional Noninterest Income | $12,641,000 | 326 |
| Total noninterest expense | $62,982,000 | 346 |
| Salaries and employee benefits | $32,287,000 | 300 |
| Premises and equipment expense | $10,267,000 | 284 |
| Additional noninterest expense | $20,428,000 | 386 |
| Pre-tax net operating income | $-32,796,000 | 8,160 |
| Securities gains (losses) | $-38,599,000 | 8,251 |
| Applicable income taxes | $-25,915,000 | 8,238 |
| Income before extraordinary items | $-45,480,000 | 8,184 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-45,480,000 | 8,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,417,000 | 397 |
| Cash dividends | $3,500,000 | 782 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-20,776,640 | 8,122 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $89,912,000 | 351 |
| Total interest expense | $45,313,000 | 291 |
| Net interest income | $44,599,000 | 400 |
| Provision for loan and lease losses | $9,200,000 | 425 |
| Total noninterest income | $13,218,000 | 407 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $3,372,000 | 395 |
| Trading account gains and fees | $-16,000 | 8,276 |
| Additional Noninterest Income | $9,862,000 | 343 |
| Total noninterest expense | $42,617,000 | 388 |
| Salaries and employee benefits | $22,926,000 | 332 |
| Premises and equipment expense | $7,372,000 | 301 |
| Additional noninterest expense | $12,319,000 | 426 |
| Pre-tax net operating income | $6,000,000 | 845 |
| Securities gains (losses) | $-36,551,000 | 8,343 |
| Applicable income taxes | $1,094,000 | 1,076 |
| Income before extraordinary items | $-31,645,000 | 8,303 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-31,645,000 | 8,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,758,000 | 911 |
| Cash dividends | $3,500,000 | 631 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $4,906,000 | 786 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $59,108,000 | 364 |
| Total interest expense | $31,053,000 | 300 |
| Net interest income | $28,055,000 | 418 |
| Provision for loan and lease losses | $3,800,000 | 519 |
| Total noninterest income | $9,042,000 | 411 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $2,052,000 | 418 |
| Trading account gains and fees | $-3,000 | 8,340 |
| Additional Noninterest Income | $6,993,000 | 341 |
| Total noninterest expense | $27,143,000 | 393 |
| Salaries and employee benefits | $14,778,000 | 351 |
| Premises and equipment expense | $4,873,000 | 303 |
| Additional noninterest expense | $7,492,000 | 442 |
| Pre-tax net operating income | $6,154,000 | 570 |
| Securities gains (losses) | $800,000 | 206 |
| Applicable income taxes | $2,009,000 | 516 |
| Income before extraordinary items | $4,945,000 | 559 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,945,000 | 557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $938,000 | 900 |
| Cash dividends | $1,500,000 | 983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $4,377,000 | 612 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $29,839,000 | 369 |
| Total interest expense | $16,302,000 | 302 |
| Net interest income | $13,537,000 | 430 |
| Provision for loan and lease losses | $1,600,000 | 450 |
| Total noninterest income | $4,457,000 | 425 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $906,000 | 461 |
| Trading account gains and fees | $51,000 | 115 |
| Additional Noninterest Income | $3,500,000 | 342 |
| Total noninterest expense | $13,392,000 | 392 |
| Salaries and employee benefits | $7,366,000 | 350 |
| Premises and equipment expense | $2,418,000 | 308 |
| Additional noninterest expense | $3,608,000 | 443 |
| Pre-tax net operating income | $3,002,000 | 649 |
| Securities gains (losses) | $800,000 | 166 |
| Applicable income taxes | $1,363,000 | 465 |
| Income before extraordinary items | $2,439,000 | 622 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,439,000 | 623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 1,707 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,927,000 | 750 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $109,477,000 | 408 |
| Total interest expense | $57,001,000 | 379 |
| Net interest income | $52,476,000 | 442 |
| Provision for loan and lease losses | $4,900,000 | 410 |
| Total noninterest income | $16,644,000 | 431 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,938,000 | 442 |
| Trading account gains and fees | $356,000 | 91 |
| Additional Noninterest Income | $12,350,000 | 361 |
| Total noninterest expense | $44,940,000 | 447 |
| Salaries and employee benefits | $24,979,000 | 401 |
| Premises and equipment expense | $8,255,000 | 342 |
| Additional noninterest expense | $11,706,000 | 514 |
| Pre-tax net operating income | $19,280,000 | 481 |
| Securities gains (losses) | $163,000 | 487 |
| Applicable income taxes | $5,990,000 | 471 |
| Income before extraordinary items | $13,453,000 | 493 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $13,453,000 | 490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,086,000 | 964 |
| Cash dividends | $6,500,000 | 594 |
| Sale, conversion, retirement of capital stock, net | $55,883,000 | 16 |
| Net operating income | $13,340,530 | 492 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $78,327,000 | 425 |
| Total interest expense | $40,708,000 | 397 |
| Net interest income | $37,619,000 | 461 |
| Provision for loan and lease losses | $3,300,000 | 360 |
| Total noninterest income | $13,095,000 | 420 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,922,000 | 439 |
| Trading account gains and fees | $356,000 | 89 |
| Additional Noninterest Income | $9,817,000 | 349 |
| Total noninterest expense | $32,293,000 | 448 |
| Salaries and employee benefits | $17,919,000 | 412 |
| Premises and equipment expense | $5,981,000 | 351 |
| Additional noninterest expense | $8,393,000 | 520 |
| Pre-tax net operating income | $15,121,000 | 493 |
| Securities gains (losses) | $163,000 | 403 |
| Applicable income taxes | $4,846,000 | 481 |
| Income before extraordinary items | $10,438,000 | 520 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $10,438,000 | 518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $781,000 | 776 |
| Cash dividends | $4,000,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $55,883,000 | 13 |
| Net operating income | $10,327,160 | 519 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $47,593,000 | 471 |
| Total interest expense | $24,591,000 | 435 |
| Net interest income | $23,002,000 | 511 |
| Provision for loan and lease losses | $2,550,000 | 266 |
| Total noninterest income | $7,554,000 | 477 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,874,000 | 464 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $5,680,000 | 402 |
| Total noninterest expense | $19,944,000 | 492 |
| Salaries and employee benefits | $10,985,000 | 460 |
| Premises and equipment expense | $3,817,000 | 373 |
| Additional noninterest expense | $5,142,000 | 566 |
| Pre-tax net operating income | $8,062,000 | 622 |
| Securities gains (losses) | $163,000 | 336 |
| Applicable income taxes | $2,487,000 | 607 |
| Income before extraordinary items | $5,738,000 | 643 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,738,000 | 642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $737,000 | 551 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $55,883,000 | 10 |
| Net operating income | $5,623,900 | 643 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $21,562,000 | 515 |
| Total interest expense | $10,974,000 | 476 |
| Net interest income | $10,588,000 | 548 |
| Provision for loan and lease losses | $1,200,000 | 257 |
| Total noninterest income | $4,445,000 | 426 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $877,000 | 480 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,568,000 | 344 |
| Total noninterest expense | $9,526,000 | 515 |
| Salaries and employee benefits | $5,259,000 | 485 |
| Premises and equipment expense | $1,810,000 | 392 |
| Additional noninterest expense | $2,457,000 | 578 |
| Pre-tax net operating income | $4,307,000 | 587 |
| Securities gains (losses) | $163,000 | 238 |
| Applicable income taxes | $1,447,000 | 550 |
| Income before extraordinary items | $3,023,000 | 603 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,023,000 | 602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $416,000 | 466 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $425,000 | 182 |
| Net operating income | $2,912,160 | 620 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $73,063,000 | 552 |
| Total interest expense | $34,268,000 | 510 |
| Net interest income | $38,795,000 | 595 |
| Provision for loan and lease losses | $3,400,000 | 344 |
| Total noninterest income | $8,428,000 | 704 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,294,000 | 523 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,134,000 | 662 |
| Total noninterest expense | $34,888,000 | 525 |
| Salaries and employee benefits | $17,287,000 | 549 |
| Premises and equipment expense | $6,865,000 | 381 |
| Additional noninterest expense | $10,736,000 | 525 |
| Pre-tax net operating income | $8,935,000 | 1,099 |
| Securities gains (losses) | $189,000 | 399 |
| Applicable income taxes | $2,625,000 | 1,057 |
| Income before extraordinary items | $6,499,000 | 1,134 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,499,000 | 1,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 1,776 |
| Cash dividends | $4,500,000 | 780 |
| Sale, conversion, retirement of capital stock, net | $24,978,000 | 54 |
| Net operating income | $6,364,810 | 1,146 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $52,422,000 | 586 |
| Total interest expense | $24,178,000 | 533 |
| Net interest income | $28,244,000 | 624 |
| Provision for loan and lease losses | $2,600,000 | 315 |
| Total noninterest income | $6,072,000 | 752 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,438,000 | 528 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,634,000 | 695 |
| Total noninterest expense | $25,345,000 | 551 |
| Salaries and employee benefits | $12,474,000 | 583 |
| Premises and equipment expense | $5,069,000 | 395 |
| Additional noninterest expense | $7,802,000 | 544 |
| Pre-tax net operating income | $6,371,000 | 1,203 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,869,000 | 1,150 |
| Income before extraordinary items | $4,502,000 | 1,256 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,502,000 | 1,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 1,582 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $22,890,000 | 42 |
| Net operating income | $4,502,000 | 1,240 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $32,970,000 | 606 |
| Total interest expense | $15,035,000 | 541 |
| Net interest income | $17,935,000 | 644 |
| Provision for loan and lease losses | $2,000,000 | 271 |
| Total noninterest income | $1,888,000 | 1,366 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,563,000 | 548 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $325,000 | 2,871 |
| Total noninterest expense | $16,344,000 | 578 |
| Salaries and employee benefits | $7,809,000 | 629 |
| Premises and equipment expense | $3,257,000 | 407 |
| Additional noninterest expense | $5,278,000 | 532 |
| Pre-tax net operating income | $1,479,000 | 2,901 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $356,000 | 2,802 |
| Income before extraordinary items | $1,123,000 | 2,932 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,123,000 | 2,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 1,418 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $22,890,000 | 25 |
| Net operating income | $1,123,000 | 2,920 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $15,202,000 | 630 |
| Total interest expense | $6,703,000 | 572 |
| Net interest income | $8,499,000 | 671 |
| Provision for loan and lease losses | $1,200,000 | 226 |
| Total noninterest income | $330,000 | 2,892 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $715,000 | 577 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $-385,000 | 8,795 |
| Total noninterest expense | $7,827,000 | 589 |
| Salaries and employee benefits | $3,641,000 | 667 |
| Premises and equipment expense | $1,542,000 | 429 |
| Additional noninterest expense | $2,644,000 | 534 |
| Pre-tax net operating income | $-198,000 | 8,541 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-29,000 | 8,600 |
| Income before extraordinary items | $-169,000 | 8,538 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-169,000 | 8,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 1,321 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-169,000 | 8,526 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $39,661,000 | 817 |
| Total interest expense | $15,436,000 | 734 |
| Net interest income | $24,225,000 | 887 |
| Provision for loan and lease losses | $2,200,000 | 490 |
| Total noninterest income | $7,784,000 | 747 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,308,000 | 750 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,476,000 | 640 |
| Total noninterest expense | $23,211,000 | 740 |
| Salaries and employee benefits | $11,583,000 | 776 |
| Premises and equipment expense | $4,592,000 | 537 |
| Additional noninterest expense | $7,036,000 | 750 |
| Pre-tax net operating income | $6,598,000 | 1,448 |
| Securities gains (losses) | $83,000 | 762 |
| Applicable income taxes | $1,965,000 | 1,385 |
| Income before extraordinary items | $4,716,000 | 1,496 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,716,000 | 1,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,670 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $30,000,000 | 43 |
| Net operating income | $4,657,070 | 1,495 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $27,130,000 | 887 |
| Total interest expense | $10,239,000 | 786 |
| Net interest income | $16,891,000 | 933 |
| Provision for loan and lease losses | $1,450,000 | 523 |
| Total noninterest income | $5,639,000 | 780 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,637,000 | 796 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,002,000 | 649 |
| Total noninterest expense | $16,407,000 | 772 |
| Salaries and employee benefits | $8,095,000 | 839 |
| Premises and equipment expense | $3,350,000 | 543 |
| Additional noninterest expense | $4,962,000 | 781 |
| Pre-tax net operating income | $4,673,000 | 1,531 |
| Securities gains (losses) | $83,000 | 714 |
| Applicable income taxes | $1,335,000 | 1,513 |
| Income before extraordinary items | $3,421,000 | 1,543 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,421,000 | 1,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,490 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,361,240 | 1,539 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $16,471,000 | 949 |
| Total interest expense | $5,954,000 | 839 |
| Net interest income | $10,517,000 | 992 |
| Provision for loan and lease losses | $900,000 | 570 |
| Total noninterest income | $3,696,000 | 778 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,014,000 | 838 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,682,000 | 644 |
| Total noninterest expense | $10,391,000 | 802 |
| Salaries and employee benefits | $5,152,000 | 864 |
| Premises and equipment expense | $2,187,000 | 547 |
| Additional noninterest expense | $3,052,000 | 833 |
| Pre-tax net operating income | $2,922,000 | 1,599 |
| Securities gains (losses) | $19,000 | 1,124 |
| Applicable income taxes | $790,000 | 1,633 |
| Income before extraordinary items | $2,151,000 | 1,600 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,151,000 | 1,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,137,130 | 1,585 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,377,000 | 1,027 |
| Total interest expense | $2,504,000 | 934 |
| Net interest income | $4,873,000 | 1,071 |
| Provision for loan and lease losses | $400,000 | 592 |
| Total noninterest income | $1,639,000 | 844 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $461,000 | 890 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,178,000 | 705 |
| Total noninterest expense | $4,787,000 | 871 |
| Salaries and employee benefits | $2,469,000 | 902 |
| Premises and equipment expense | $1,039,000 | 567 |
| Additional noninterest expense | $1,279,000 | 978 |
| Pre-tax net operating income | $1,325,000 | 1,723 |
| Securities gains (losses) | $24,000 | 734 |
| Applicable income taxes | $339,000 | 1,818 |
| Income before extraordinary items | $1,010,000 | 1,657 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,010,000 | 1,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $992,000 | 1,660 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,632,000 | 1,466 |
| Total interest expense | $6,169,000 | 1,337 |
| Net interest income | $13,463,000 | 1,501 |
| Provision for loan and lease losses | $1,425,000 | 751 |
| Total noninterest income | $5,417,000 | 1,014 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,500,000 | 1,191 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,917,000 | 798 |
| Total noninterest expense | $14,601,000 | 1,110 |
| Salaries and employee benefits | $7,838,000 | 1,105 |
| Premises and equipment expense | $2,884,000 | 783 |
| Additional noninterest expense | $3,879,000 | 1,282 |
| Pre-tax net operating income | $2,854,000 | 2,701 |
| Securities gains (losses) | $440,000 | 489 |
| Applicable income taxes | $710,000 | 2,740 |
| Income before extraordinary items | $2,584,000 | 2,360 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,584,000 | 2,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,636 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,240,800 | 2,604 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,438,000 | 1,589 |
| Total interest expense | $4,167,000 | 1,447 |
| Net interest income | $9,271,000 | 1,640 |
| Provision for loan and lease losses | $975,000 | 797 |
| Total noninterest income | $4,036,000 | 1,027 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,046,000 | 1,283 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,990,000 | 806 |
| Total noninterest expense | $10,252,000 | 1,188 |
| Salaries and employee benefits | $5,425,000 | 1,204 |
| Premises and equipment expense | $2,101,000 | 807 |
| Additional noninterest expense | $2,726,000 | 1,359 |
| Pre-tax net operating income | $2,080,000 | 2,783 |
| Securities gains (losses) | $160,000 | 895 |
| Applicable income taxes | $492,000 | 2,930 |
| Income before extraordinary items | $1,748,000 | 2,612 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,748,000 | 2,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,704 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,623,200 | 2,702 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,409,000 | 1,670 |
| Total interest expense | $2,692,000 | 1,478 |
| Net interest income | $5,717,000 | 1,743 |
| Provision for loan and lease losses | $575,000 | 880 |
| Total noninterest income | $2,417,000 | 1,117 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $665,000 | 1,330 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,752,000 | 881 |
| Total noninterest expense | $6,434,000 | 1,264 |
| Salaries and employee benefits | $3,427,000 | 1,280 |
| Premises and equipment expense | $1,365,000 | 825 |
| Additional noninterest expense | $1,642,000 | 1,472 |
| Pre-tax net operating income | $1,125,000 | 3,271 |
| Securities gains (losses) | $160,000 | 753 |
| Applicable income taxes | $269,000 | 3,266 |
| Income before extraordinary items | $1,016,000 | 2,894 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,016,000 | 2,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 8,816 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $889,600 | 3,166 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,990,000 | 1,766 |
| Total interest expense | $1,314,000 | 1,523 |
| Net interest income | $2,676,000 | 1,868 |
| Provision for loan and lease losses | $275,000 | 887 |
| Total noninterest income | $1,010,000 | 1,246 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $305,000 | 1,400 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $705,000 | 1,013 |
| Total noninterest expense | $3,008,000 | 1,367 |
| Salaries and employee benefits | $1,558,000 | 1,429 |
| Premises and equipment expense | $678,000 | 843 |
| Additional noninterest expense | $772,000 | 1,549 |
| Pre-tax net operating income | $403,000 | 4,064 |
| Securities gains (losses) | $140,000 | 651 |
| Applicable income taxes | $97,000 | 3,835 |
| Income before extraordinary items | $446,000 | 3,216 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $446,000 | 3,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,875 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $331,200 | 3,878 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,486,000 | 2,111 |
| Total interest expense | $5,225,000 | 1,722 |
| Net interest income | $8,261,000 | 2,360 |
| Provision for loan and lease losses | $1,200,000 | 979 |
| Total noninterest income | $4,241,000 | 1,287 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $898,000 | 1,920 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,343,000 | 1,004 |
| Total noninterest expense | $10,210,000 | 1,562 |
| Salaries and employee benefits | $5,549,000 | 1,554 |
| Premises and equipment expense | $1,864,000 | 1,205 |
| Additional noninterest expense | $2,797,000 | 1,736 |
| Pre-tax net operating income | $1,092,000 | 4,944 |
| Securities gains (losses) | $244,000 | 1,204 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,336,000 | 3,848 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,336,000 | 3,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,772 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-4,000 | 9,052 |
| Net operating income | $1,092,000 | 4,223 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,724,000 | 2,240 |
| Total interest expense | $3,899,000 | 1,790 |
| Net interest income | $5,825,000 | 2,505 |
| Provision for loan and lease losses | $900,000 | 969 |
| Total noninterest income | $3,104,000 | 1,342 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $636,000 | 2,025 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,468,000 | 1,071 |
| Total noninterest expense | $7,454,000 | 1,629 |
| Salaries and employee benefits | $4,055,000 | 1,592 |
| Premises and equipment expense | $1,265,000 | 1,360 |
| Additional noninterest expense | $2,134,000 | 1,697 |
| Pre-tax net operating income | $575,000 | 5,969 |
| Securities gains (losses) | $244,000 | 1,102 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $819,000 | 4,532 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $819,000 | 4,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,387 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $-4,000 | 9,126 |
| Net operating income | $575,000 | 5,317 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,225,000 | 2,358 |
| Total interest expense | $2,576,000 | 1,874 |
| Net interest income | $3,649,000 | 2,669 |
| Provision for loan and lease losses | $575,000 | 1,029 |
| Total noninterest income | $1,983,000 | 1,377 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $393,000 | 2,130 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,590,000 | 1,090 |
| Total noninterest expense | $4,743,000 | 1,692 |
| Salaries and employee benefits | $2,552,000 | 1,685 |
| Premises and equipment expense | $794,000 | 1,443 |
| Additional noninterest expense | $1,397,000 | 1,716 |
| Pre-tax net operating income | $314,000 | 6,414 |
| Securities gains (losses) | $120,000 | 1,368 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $434,000 | 5,193 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $434,000 | 5,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,382 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $-4,000 | 9,181 |
| Net operating income | $314,000 | 5,794 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,035,000 | 2,422 |
| Total interest expense | $1,269,000 | 1,946 |
| Net interest income | $1,766,000 | 2,743 |
| Provision for loan and lease losses | $250,000 | 1,115 |
| Total noninterest income | $913,000 | 1,427 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $184,000 | 2,179 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $729,000 | 1,131 |
| Total noninterest expense | $2,247,000 | 1,755 |
| Salaries and employee benefits | $1,175,000 | 1,816 |
| Premises and equipment expense | $371,000 | 1,546 |
| Additional noninterest expense | $701,000 | 1,682 |
| Pre-tax net operating income | $182,000 | 6,065 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $182,000 | 5,556 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $182,000 | 5,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,624 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $182,000 | 5,364 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,311,000 | 2,938 |
| Total interest expense | $4,819,000 | 2,320 |
| Net interest income | $5,492,000 | 3,385 |
| Provision for loan and lease losses | $480,000 | 2,438 |
| Total noninterest income | $2,560,000 | 1,770 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $582,000 | 2,621 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,978,000 | 1,319 |
| Total noninterest expense | $7,211,000 | 2,081 |
| Salaries and employee benefits | $4,238,000 | 1,901 |
| Premises and equipment expense | $974,000 | 2,238 |
| Additional noninterest expense | $1,999,000 | 2,309 |
| Pre-tax net operating income | $361,000 | 7,323 |
| Securities gains (losses) | $266,000 | 980 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $627,000 | 5,856 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $627,000 | 5,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 3,062 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $361,000 | 6,898 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,125,000 | 3,597 |
| Total interest expense | $5,059,000 | 3,124 |
| Net interest income | $4,066,000 | 4,071 |
| Provision for loan and lease losses | $440,000 | 2,434 |
| Total noninterest income | $2,237,000 | 1,839 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $381,000 | 3,541 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,856,000 | 1,315 |
| Total noninterest expense | $5,497,000 | 2,571 |
| Salaries and employee benefits | $3,154,000 | 2,379 |
| Premises and equipment expense | $636,000 | 3,209 |
| Additional noninterest expense | $1,707,000 | 2,585 |
| Pre-tax net operating income | $366,000 | 7,127 |
| Securities gains (losses) | $181,000 | 1,281 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $547,000 | 5,859 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $547,000 | 5,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,713 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $9,209,000 | 84 |
| Net operating income | $366,000 | 6,629 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,186,000 | 4,971 |
| Total interest expense | $3,457,000 | 4,424 |
| Net interest income | $2,729,000 | 5,495 |
| Provision for loan and lease losses | $482,000 | 1,931 |
| Total noninterest income | $389,000 | 5,599 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 4,632 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,472 |
| Total noninterest expense | $3,577,000 | 3,631 |
| Salaries and employee benefits | $1,739,000 | 3,880 |
| Premises and equipment expense | $497,000 | 3,810 |
| Additional noninterest expense | $1,341,000 | 3,094 |
| Pre-tax net operating income | $-941,000 | 9,704 |
| Securities gains (losses) | $-131,000 | 9,484 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-1,072,000 | 9,744 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,072,000 | 9,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $4,893,000 | 228 |
| Net operating income | $-941,000 | 9,718 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,859,000 | 8,656 |
| Total interest expense | $753,000 | 8,814 |
| Net interest income | $1,106,000 | 8,392 |
| Provision for loan and lease losses | $455,000 | 1,897 |
| Total noninterest income | $95,000 | 8,904 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 7,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,163 |
| Total noninterest expense | $1,759,000 | 6,158 |
| Salaries and employee benefits | $848,000 | 6,540 |
| Premises and equipment expense | $271,000 | 5,787 |
| Additional noninterest expense | $640,000 | 5,577 |
| Pre-tax net operating income | $-1,013,000 | 10,062 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-1,013,000 | 10,083 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,013,000 | 10,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-1,013,000 | 10,070 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $285,000 | 10,318 |
| Total interest expense | $6,000 | 10,420 |
| Net interest income | $279,000 | 10,224 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $1,000 | 10,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,352 |
| Total noninterest expense | $988,000 | 8,147 |
| Salaries and employee benefits | $374,000 | 9,132 |
| Premises and equipment expense | $67,000 | 9,419 |
| Additional noninterest expense | $547,000 | 6,110 |
| Pre-tax net operating income | $-718,000 | 10,270 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-718,000 | 10,308 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-718,000 | 10,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $11,236,000 | 83 |
| Net operating income | $-718,000 | 10,284 |
* 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.