Gold Bank, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $20,623,000 | 663 |
| Total interest expense | $7,653,000 | 522 |
| Net interest income | $12,970,000 | 736 |
| Provision for loan and lease losses | $892,000 | 573 |
| Total noninterest income | $3,844,000 | 753 |
| Gross Fiduciary activities income | $51,000 | 948 |
| Service charges on deposit accounts | $1,232,000 | 703 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,561,000 | 679 |
| Total noninterest expense | $10,283,000 | 782 |
| Salaries and employee benefits | $4,634,000 | 923 |
| Premises and equipment expense | $1,272,000 | 882 |
| Additional noninterest expense | $4,377,000 | 609 |
| Pre-tax net operating income | $5,639,000 | 779 |
| Securities gains (losses) | $28,000 | 1,835 |
| Applicable income taxes | $1,874,000 | 762 |
| Income before extraordinary items | $3,793,000 | 864 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,793,000 | 864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $394,000 | 851 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,774,240 | 829 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $10,165,000 | 684 |
| Total interest expense | $3,690,000 | 552 |
| Net interest income | $6,475,000 | 748 |
| Provision for loan and lease losses | $570,000 | 468 |
| Total noninterest income | $1,646,000 | 839 |
| Gross Fiduciary activities income | $29,000 | 930 |
| Service charges on deposit accounts | $634,000 | 671 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $983,000 | 795 |
| Total noninterest expense | $5,198,000 | 776 |
| Salaries and employee benefits | $2,274,000 | 951 |
| Premises and equipment expense | $623,000 | 916 |
| Additional noninterest expense | $2,301,000 | 570 |
| Pre-tax net operating income | $2,353,000 | 914 |
| Securities gains (losses) | $25,000 | 1,594 |
| Applicable income taxes | $777,000 | 912 |
| Income before extraordinary items | $1,601,000 | 1,026 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,601,000 | 1,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 731 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,584,250 | 974 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $38,791,000 | 728 |
| Total interest expense | $16,041,000 | 567 |
| Net interest income | $22,750,000 | 847 |
| Provision for loan and lease losses | $1,874,000 | 683 |
| Total noninterest income | $6,866,000 | 874 |
| Gross Fiduciary activities income | $58,000 | 1,061 |
| Service charges on deposit accounts | $2,602,000 | 661 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,206,000 | 864 |
| Total noninterest expense | $20,085,000 | 807 |
| Salaries and employee benefits | $9,675,000 | 877 |
| Premises and equipment expense | $2,634,000 | 848 |
| Additional noninterest expense | $7,776,000 | 684 |
| Pre-tax net operating income | $7,657,000 | 1,099 |
| Securities gains (losses) | $-127,000 | 9,044 |
| Applicable income taxes | $2,323,000 | 1,137 |
| Income before extraordinary items | $5,207,000 | 1,231 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,207,000 | 1,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $959,000 | 959 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,294,630 | 1,149 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $28,748,000 | 758 |
| Total interest expense | $12,576,000 | 565 |
| Net interest income | $16,172,000 | 912 |
| Provision for loan and lease losses | $1,169,000 | 785 |
| Total noninterest income | $5,177,000 | 907 |
| Gross Fiduciary activities income | $34,000 | 1,077 |
| Service charges on deposit accounts | $1,925,000 | 680 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,218,000 | 884 |
| Total noninterest expense | $14,840,000 | 827 |
| Salaries and employee benefits | $7,258,000 | 891 |
| Premises and equipment expense | $1,963,000 | 875 |
| Additional noninterest expense | $5,619,000 | 702 |
| Pre-tax net operating income | $5,340,000 | 1,213 |
| Securities gains (losses) | $-95,000 | 9,115 |
| Applicable income taxes | $1,593,000 | 1,278 |
| Income before extraordinary items | $3,652,000 | 1,365 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,652,000 | 1,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,275 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,718,500 | 1,261 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $19,110,000 | 766 |
| Total interest expense | $8,478,000 | 580 |
| Net interest income | $10,632,000 | 917 |
| Provision for loan and lease losses | $775,000 | 789 |
| Total noninterest income | $3,347,000 | 923 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,247,000 | 684 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,100,000 | 888 |
| Total noninterest expense | $9,849,000 | 833 |
| Salaries and employee benefits | $4,957,000 | 867 |
| Premises and equipment expense | $1,296,000 | 882 |
| Additional noninterest expense | $3,596,000 | 728 |
| Pre-tax net operating income | $3,355,000 | 1,272 |
| Securities gains (losses) | $-14,000 | 9,079 |
| Applicable income taxes | $1,005,000 | 1,372 |
| Income before extraordinary items | $2,336,000 | 1,409 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,336,000 | 1,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 1,271 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,345,800 | 1,319 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $9,190,000 | 811 |
| Total interest expense | $4,148,000 | 605 |
| Net interest income | $5,042,000 | 963 |
| Provision for loan and lease losses | $600,000 | 538 |
| Total noninterest income | $1,656,000 | 905 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $615,000 | 674 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,041,000 | 867 |
| Total noninterest expense | $4,787,000 | 855 |
| Salaries and employee benefits | $2,465,000 | 873 |
| Premises and equipment expense | $649,000 | 888 |
| Additional noninterest expense | $1,673,000 | 762 |
| Pre-tax net operating income | $1,311,000 | 1,604 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $378,000 | 1,712 |
| Income before extraordinary items | $933,000 | 1,710 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $933,000 | 1,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 994 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $933,000 | 1,600 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $37,306,000 | 803 |
| Total interest expense | $17,717,000 | 635 |
| Net interest income | $19,589,000 | 992 |
| Provision for loan and lease losses | $1,545,000 | 918 |
| Total noninterest income | $6,832,000 | 810 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,161,000 | 521 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,671,000 | 879 |
| Total noninterest expense | $15,253,000 | 1,018 |
| Salaries and employee benefits | $7,086,000 | 1,129 |
| Premises and equipment expense | $1,920,000 | 1,148 |
| Additional noninterest expense | $6,247,000 | 809 |
| Pre-tax net operating income | $9,623,000 | 902 |
| Securities gains (losses) | $1,300,000 | 360 |
| Applicable income taxes | $3,469,000 | 809 |
| Income before extraordinary items | $7,454,000 | 850 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,454,000 | 849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $713,000 | 1,256 |
| Cash dividends | $2,770,000 | 985 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,570,000 | 905 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $37,009,000 | 925 |
| Total interest expense | $21,524,000 | 760 |
| Net interest income | $15,485,000 | 1,145 |
| Provision for loan and lease losses | $275,000 | 3,402 |
| Total noninterest income | $5,850,000 | 871 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,873,000 | 529 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,977,000 | 949 |
| Total noninterest expense | $13,208,000 | 1,124 |
| Salaries and employee benefits | $5,564,000 | 1,346 |
| Premises and equipment expense | $2,243,000 | 931 |
| Additional noninterest expense | $5,401,000 | 902 |
| Pre-tax net operating income | $7,852,000 | 960 |
| Securities gains (losses) | $31,000 | 2,791 |
| Applicable income taxes | $2,238,000 | 1,074 |
| Income before extraordinary items | $5,645,000 | 974 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,645,000 | 975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,129,000 | 862 |
| Cash dividends | $2,816,000 | 981 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,622,680 | 937 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $36,089,000 | 979 |
| Total interest expense | $19,058,000 | 937 |
| Net interest income | $17,031,000 | 1,034 |
| Provision for loan and lease losses | $518,000 | 1,820 |
| Total noninterest income | $4,864,000 | 948 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,968,000 | 457 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,896,000 | 1,181 |
| Total noninterest expense | $16,283,000 | 872 |
| Salaries and employee benefits | $6,416,000 | 1,098 |
| Premises and equipment expense | $2,466,000 | 811 |
| Additional noninterest expense | $7,401,000 | 716 |
| Pre-tax net operating income | $5,094,000 | 1,450 |
| Securities gains (losses) | $9,000 | 1,192 |
| Applicable income taxes | $2,004,000 | 1,152 |
| Income before extraordinary items | $3,099,000 | 1,693 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,099,000 | 1,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $675,000 | 1,001 |
| Cash dividends | $7,360,000 | 469 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,093,240 | 1,688 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $34,514,000 | 965 |
| Total interest expense | $16,519,000 | 940 |
| Net interest income | $17,995,000 | 978 |
| Provision for loan and lease losses | $4,003,000 | 346 |
| Total noninterest income | $6,102,000 | 811 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,031,000 | 457 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,071,000 | 875 |
| Total noninterest expense | $17,614,000 | 834 |
| Salaries and employee benefits | $7,789,000 | 882 |
| Premises and equipment expense | $2,499,000 | 808 |
| Additional noninterest expense | $7,326,000 | 754 |
| Pre-tax net operating income | $2,480,000 | 2,813 |
| Securities gains (losses) | $28,000 | 1,229 |
| Applicable income taxes | $953,000 | 2,298 |
| Income before extraordinary items | $1,555,000 | 3,151 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,555,000 | 3,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,610,000 | 518 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,537,080 | 3,141 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $31,108,000 | 1,050 |
| Total interest expense | $15,462,000 | 1,025 |
| Net interest income | $15,646,000 | 1,078 |
| Provision for loan and lease losses | $1,174,000 | 852 |
| Total noninterest income | $4,783,000 | 964 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,878,000 | 656 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,905,000 | 916 |
| Total noninterest expense | $15,645,000 | 898 |
| Salaries and employee benefits | $6,899,000 | 941 |
| Premises and equipment expense | $1,921,000 | 1,003 |
| Additional noninterest expense | $6,825,000 | 780 |
| Pre-tax net operating income | $3,610,000 | 2,010 |
| Securities gains (losses) | $435,000 | 609 |
| Applicable income taxes | $1,416,000 | 1,722 |
| Income before extraordinary items | $2,629,000 | 1,994 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,629,000 | 1,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,177,000 | 672 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,346,250 | 2,150 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,691,000 | 1,676 |
| Total interest expense | $10,418,000 | 1,490 |
| Net interest income | $9,273,000 | 1,875 |
| Provision for loan and lease losses | $750,000 | 1,253 |
| Total noninterest income | $3,496,000 | 1,175 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,301,000 | 971 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,195,000 | 1,028 |
| Total noninterest expense | $9,391,000 | 1,401 |
| Salaries and employee benefits | $4,370,000 | 1,489 |
| Premises and equipment expense | $1,252,000 | 1,554 |
| Additional noninterest expense | $3,769,000 | 1,174 |
| Pre-tax net operating income | $2,628,000 | 2,793 |
| Securities gains (losses) | $148,000 | 825 |
| Applicable income taxes | $1,044,000 | 2,349 |
| Income before extraordinary items | $1,732,000 | 2,941 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,732,000 | 2,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,702 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,637,280 | 3,037 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,423,000 | 2,324 |
| Total interest expense | $7,411,000 | 2,116 |
| Net interest income | $7,012,000 | 2,527 |
| Provision for loan and lease losses | $287,000 | 2,679 |
| Total noninterest income | $1,854,000 | 1,964 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $733,000 | 1,848 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,121,000 | 1,674 |
| Total noninterest expense | $7,209,000 | 1,949 |
| Salaries and employee benefits | $3,470,000 | 1,898 |
| Premises and equipment expense | $840,000 | 2,341 |
| Additional noninterest expense | $2,899,000 | 1,794 |
| Pre-tax net operating income | $1,370,000 | 4,654 |
| Securities gains (losses) | $106,000 | 932 |
| Applicable income taxes | $522,000 | 4,014 |
| Income before extraordinary items | $954,000 | 4,666 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $954,000 | 4,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,444 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 11,308 |
| Net operating income | $885,100 | 4,876 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,409,000 | 2,919 |
| Total interest expense | $6,011,000 | 2,552 |
| Net interest income | $5,398,000 | 3,288 |
| Provision for loan and lease losses | $483,000 | 1,616 |
| Total noninterest income | $1,437,000 | 2,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $556,000 | 2,429 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $881,000 | 1,967 |
| Total noninterest expense | $4,797,000 | 2,825 |
| Salaries and employee benefits | $2,618,000 | 2,549 |
| Premises and equipment expense | $621,000 | 3,121 |
| Additional noninterest expense | $1,558,000 | 2,995 |
| Pre-tax net operating income | $1,555,000 | 4,325 |
| Securities gains (losses) | $36,000 | 1,516 |
| Applicable income taxes | $573,000 | 3,779 |
| Income before extraordinary items | $1,018,000 | 4,525 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,018,000 | 4,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,871 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $1,262,000 | 267 |
| Net operating income | $994,960 | 4,620 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,713,000 | 3,866 |
| Total interest expense | $3,628,000 | 3,351 |
| Net interest income | $4,085,000 | 4,293 |
| Provision for loan and lease losses | $221,000 | 2,846 |
| Total noninterest income | $611,000 | 4,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $435,000 | 3,133 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,699 |
| Total noninterest expense | $3,689,000 | 3,670 |
| Salaries and employee benefits | $1,918,000 | 3,416 |
| Premises and equipment expense | $467,000 | 4,036 |
| Additional noninterest expense | $1,304,000 | 3,763 |
| Pre-tax net operating income | $786,000 | 6,942 |
| Securities gains (losses) | $19,000 | 1,821 |
| Applicable income taxes | $230,000 | 6,840 |
| Income before extraordinary items | $575,000 | 6,728 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $575,000 | 6,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,709 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,755,000 | 326 |
| Net operating income | $561,510 | 6,875 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,004,000 | 5,782 |
| Total interest expense | $2,247,000 | 5,272 |
| Net interest income | $2,757,000 | 6,052 |
| Provision for loan and lease losses | $296,000 | 3,066 |
| Total noninterest income | $431,000 | 6,171 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $333,000 | 4,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,923 |
| Total noninterest expense | $2,174,000 | 5,916 |
| Salaries and employee benefits | $1,008,000 | 6,088 |
| Premises and equipment expense | $217,000 | 7,346 |
| Additional noninterest expense | $949,000 | 5,151 |
| Pre-tax net operating income | $718,000 | 7,267 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $155,000 | 8,513 |
| Income before extraordinary items | $563,000 | 7,053 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $563,000 | 7,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 5,154 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $413,000 | 638 |
| Net operating income | $563,000 | 6,794 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,570,000 | 8,083 |
| Total interest expense | $1,777,000 | 7,685 |
| Net interest income | $1,793,000 | 8,367 |
| Provision for loan and lease losses | $160,000 | 5,897 |
| Total noninterest income | $275,000 | 8,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 6,208 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,594 |
| Total noninterest expense | $1,466,000 | 8,040 |
| Salaries and employee benefits | $735,000 | 7,732 |
| Premises and equipment expense | $144,000 | 9,299 |
| Additional noninterest expense | $587,000 | 7,628 |
| Pre-tax net operating income | $442,000 | 8,870 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $115,000 | 9,514 |
| Income before extraordinary items | $327,000 | 8,968 |
| Extraordinary gains, net | $115,000 | 677 |
| Net income | $442,000 | 7,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 7,548 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,003,000 | 405 |
| Net operating income | $327,000 | 8,614 |
* 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.