Gold BANK, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $12,979,000 | 547 |
| Total interest expense | $4,985,000 | 425 |
| Net interest income | $7,994,000 | 619 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $2,097,000 | 696 |
| Gross Fiduciary activities income | $17,000 | 1,022 |
| Service charges on deposit accounts | $781,000 | 551 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,299,000 | 651 |
| Total noninterest expense | $5,189,000 | 780 |
| Salaries and employee benefits | $2,709,000 | 801 |
| Premises and equipment expense | $477,000 | 1,227 |
| Additional noninterest expense | $2,003,000 | 644 |
| Pre-tax net operating income | $4,902,000 | 488 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,450,000 | 546 |
| Income before extraordinary items | $3,452,000 | 516 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,452,000 | 515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 528 |
| Cash dividends | $3,000,000 | 261 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,452,000 | 484 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $54,968,000 | 521 |
| Total interest expense | $22,248,000 | 416 |
| Net interest income | $32,720,000 | 581 |
| Provision for loan and lease losses | $3,600,000 | 413 |
| Total noninterest income | $9,554,000 | 680 |
| Gross Fiduciary activities income | $44,000 | 1,095 |
| Service charges on deposit accounts | $3,738,000 | 456 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,772,000 | 685 |
| Total noninterest expense | $20,984,000 | 769 |
| Salaries and employee benefits | $11,341,000 | 754 |
| Premises and equipment expense | $2,537,000 | 880 |
| Additional noninterest expense | $7,106,000 | 737 |
| Pre-tax net operating income | $17,690,000 | 529 |
| Securities gains (losses) | $324,000 | 1,006 |
| Applicable income taxes | $5,079,000 | 608 |
| Income before extraordinary items | $12,935,000 | 543 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $12,935,000 | 543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,611,000 | 303 |
| Cash dividends | $4,500,000 | 711 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $12,701,720 | 517 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $41,274,000 | 540 |
| Total interest expense | $17,065,000 | 427 |
| Net interest income | $24,209,000 | 601 |
| Provision for loan and lease losses | $3,200,000 | 382 |
| Total noninterest income | $5,429,000 | 878 |
| Gross Fiduciary activities income | $33,000 | 1,088 |
| Service charges on deposit accounts | $2,861,000 | 452 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,535,000 | 1,041 |
| Total noninterest expense | $15,728,000 | 780 |
| Salaries and employee benefits | $8,664,000 | 753 |
| Premises and equipment expense | $1,971,000 | 868 |
| Additional noninterest expense | $5,093,000 | 765 |
| Pre-tax net operating income | $10,710,000 | 645 |
| Securities gains (losses) | $337,000 | 896 |
| Applicable income taxes | $2,916,000 | 791 |
| Income before extraordinary items | $8,131,000 | 638 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $8,131,000 | 639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,390,000 | 299 |
| Cash dividends | $1,500,000 | 1,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,881,620 | 607 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $27,731,000 | 541 |
| Total interest expense | $11,533,000 | 437 |
| Net interest income | $16,198,000 | 594 |
| Provision for loan and lease losses | $2,500,000 | 335 |
| Total noninterest income | $4,065,000 | 781 |
| Gross Fiduciary activities income | $33,000 | 1,041 |
| Service charges on deposit accounts | $1,930,000 | 441 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,102,000 | 887 |
| Total noninterest expense | $10,559,000 | 778 |
| Salaries and employee benefits | $5,854,000 | 744 |
| Premises and equipment expense | $1,330,000 | 857 |
| Additional noninterest expense | $3,375,000 | 771 |
| Pre-tax net operating income | $7,204,000 | 631 |
| Securities gains (losses) | $231,000 | 955 |
| Applicable income taxes | $1,932,000 | 793 |
| Income before extraordinary items | $5,503,000 | 635 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,503,000 | 635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,522,000 | 282 |
| Cash dividends | $1,500,000 | 928 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,332,060 | 601 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $13,945,000 | 543 |
| Total interest expense | $5,644,000 | 453 |
| Net interest income | $8,301,000 | 588 |
| Provision for loan and lease losses | $1,000,000 | 373 |
| Total noninterest income | $1,501,000 | 970 |
| Gross Fiduciary activities income | $14,000 | 1,078 |
| Service charges on deposit accounts | $973,000 | 431 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $514,000 | 1,455 |
| Total noninterest expense | $5,328,000 | 768 |
| Salaries and employee benefits | $2,967,000 | 735 |
| Premises and equipment expense | $702,000 | 823 |
| Additional noninterest expense | $1,659,000 | 765 |
| Pre-tax net operating income | $3,474,000 | 647 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $830,000 | 930 |
| Income before extraordinary items | $2,644,000 | 650 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,644,000 | 649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,278,000 | 279 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,644,000 | 602 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $57,000,000 | 555 |
| Total interest expense | $24,289,000 | 484 |
| Net interest income | $32,711,000 | 585 |
| Provision for loan and lease losses | $6,600,000 | 315 |
| Total noninterest income | $5,848,000 | 908 |
| Gross Fiduciary activities income | $18,000 | 1,314 |
| Service charges on deposit accounts | $4,119,000 | 394 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,711,000 | 1,484 |
| Total noninterest expense | $18,991,000 | 831 |
| Salaries and employee benefits | $10,700,000 | 756 |
| Premises and equipment expense | $2,716,000 | 809 |
| Additional noninterest expense | $5,575,000 | 901 |
| Pre-tax net operating income | $12,968,000 | 677 |
| Securities gains (losses) | $2,071,000 | 273 |
| Applicable income taxes | $4,341,000 | 672 |
| Income before extraordinary items | $10,698,000 | 600 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $10,698,000 | 601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,600,000 | 303 |
| Cash dividends | $2,000,000 | 1,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $9,227,590 | 654 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $62,626,000 | 572 |
| Total interest expense | $33,424,000 | 521 |
| Net interest income | $29,202,000 | 622 |
| Provision for loan and lease losses | $10,550,000 | 225 |
| Total noninterest income | $6,380,000 | 815 |
| Gross Fiduciary activities income | $34,000 | 1,206 |
| Service charges on deposit accounts | $4,430,000 | 349 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,916,000 | 1,286 |
| Total noninterest expense | $20,962,000 | 735 |
| Salaries and employee benefits | $10,721,000 | 702 |
| Premises and equipment expense | $2,652,000 | 797 |
| Additional noninterest expense | $7,589,000 | 694 |
| Pre-tax net operating income | $4,070,000 | 1,751 |
| Securities gains (losses) | $398,000 | 721 |
| Applicable income taxes | $1,100,000 | 1,938 |
| Income before extraordinary items | $3,368,000 | 1,574 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,368,000 | 1,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,973,000 | 191 |
| Cash dividends | $4,521,000 | 660 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,069,500 | 1,640 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $68,967,000 | 556 |
| Total interest expense | $33,371,000 | 577 |
| Net interest income | $35,596,000 | 528 |
| Provision for loan and lease losses | $2,970,000 | 471 |
| Total noninterest income | $5,722,000 | 841 |
| Gross Fiduciary activities income | $26,000 | 1,128 |
| Service charges on deposit accounts | $4,720,000 | 308 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $976,000 | 1,886 |
| Total noninterest expense | $26,173,000 | 605 |
| Salaries and employee benefits | $12,383,000 | 579 |
| Premises and equipment expense | $2,661,000 | 760 |
| Additional noninterest expense | $11,129,000 | 532 |
| Pre-tax net operating income | $12,175,000 | 659 |
| Securities gains (losses) | $-421,000 | 9,690 |
| Applicable income taxes | $4,083,000 | 637 |
| Income before extraordinary items | $7,671,000 | 712 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $7,671,000 | 712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,013,000 | 474 |
| Cash dividends | $12,779,000 | 312 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $7,944,650 | 691 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $34,050,000 | 975 |
| Total interest expense | $14,269,000 | 1,064 |
| Net interest income | $19,781,000 | 893 |
| Provision for loan and lease losses | $3,646,000 | 366 |
| Total noninterest income | $3,205,000 | 1,283 |
| Gross Fiduciary activities income | $27,000 | 1,181 |
| Service charges on deposit accounts | $2,633,000 | 516 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $545,000 | 2,798 |
| Total noninterest expense | $13,502,000 | 1,034 |
| Salaries and employee benefits | $7,716,000 | 890 |
| Premises and equipment expense | $1,701,000 | 1,180 |
| Additional noninterest expense | $4,085,000 | 1,147 |
| Pre-tax net operating income | $5,838,000 | 1,314 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $2,295,000 | 1,094 |
| Income before extraordinary items | $3,542,000 | 1,513 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,542,000 | 1,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,991,000 | 365 |
| Cash dividends | $4,900,000 | 677 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,542,640 | 1,484 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $32,579,000 | 1,011 |
| Total interest expense | $14,079,000 | 1,110 |
| Net interest income | $18,500,000 | 915 |
| Provision for loan and lease losses | $718,000 | 1,288 |
| Total noninterest income | $2,492,000 | 1,544 |
| Gross Fiduciary activities income | $18,000 | 1,226 |
| Service charges on deposit accounts | $1,995,000 | 612 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $479,000 | 3,061 |
| Total noninterest expense | $11,538,000 | 1,140 |
| Salaries and employee benefits | $6,532,000 | 1,003 |
| Premises and equipment expense | $1,500,000 | 1,292 |
| Additional noninterest expense | $3,506,000 | 1,268 |
| Pre-tax net operating income | $8,736,000 | 901 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $3,174,000 | 825 |
| Income before extraordinary items | $5,562,000 | 971 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,562,000 | 970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,019,000 | 743 |
| Cash dividends | $4,000,000 | 765 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,562,000 | 941 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $26,138,000 | 1,288 |
| Total interest expense | $11,044,000 | 1,419 |
| Net interest income | $15,094,000 | 1,167 |
| Provision for loan and lease losses | $1,440,000 | 751 |
| Total noninterest income | $2,528,000 | 1,471 |
| Gross Fiduciary activities income | $35,000 | 1,219 |
| Service charges on deposit accounts | $1,794,000 | 712 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $699,000 | 2,221 |
| Total noninterest expense | $9,530,000 | 1,381 |
| Salaries and employee benefits | $5,355,000 | 1,231 |
| Premises and equipment expense | $1,230,000 | 1,580 |
| Additional noninterest expense | $2,945,000 | 1,466 |
| Pre-tax net operating income | $6,652,000 | 1,187 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,533,000 | 1,086 |
| Income before extraordinary items | $4,119,000 | 1,323 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,119,000 | 1,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,085,000 | 498 |
| Cash dividends | $4,100,000 | 727 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,119,000 | 1,286 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,528,000 | 7,352 |
| Total interest expense | $1,536,000 | 7,477 |
| Net interest income | $1,992,000 | 7,165 |
| Provision for loan and lease losses | $1,076,000 | 969 |
| Total noninterest income | $449,000 | 5,549 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $288,000 | 4,358 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $161,000 | 5,764 |
| Total noninterest expense | $1,374,000 | 7,456 |
| Salaries and employee benefits | $694,000 | 7,573 |
| Premises and equipment expense | $190,000 | 7,213 |
| Additional noninterest expense | $490,000 | 7,142 |
| Pre-tax net operating income | $-9,000 | 10,820 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $6,000 | 10,431 |
| Income before extraordinary items | $-15,000 | 10,862 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-15,000 | 10,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 1,427 |
| Cash dividends | $1,600,000 | 1,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-15,000 | 10,814 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,630,000 | 2,302 |
| Total interest expense | $5,971,000 | 2,572 |
| Net interest income | $8,659,000 | 2,080 |
| Provision for loan and lease losses | $1,400,000 | 743 |
| Total noninterest income | $1,595,000 | 2,191 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $979,000 | 1,394 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $616,000 | 2,491 |
| Total noninterest expense | $5,982,000 | 2,273 |
| Salaries and employee benefits | $3,024,000 | 2,195 |
| Premises and equipment expense | $897,000 | 2,235 |
| Additional noninterest expense | $2,061,000 | 2,343 |
| Pre-tax net operating income | $2,872,000 | 2,513 |
| Securities gains (losses) | $-39,000 | 11,026 |
| Applicable income taxes | $1,052,000 | 2,270 |
| Income before extraordinary items | $1,781,000 | 2,772 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,781,000 | 2,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,116,000 | 826 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,805,960 | 2,705 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,758,000 | 3,095 |
| Total interest expense | $3,535,000 | 3,422 |
| Net interest income | $6,223,000 | 2,904 |
| Provision for loan and lease losses | $950,000 | 965 |
| Total noninterest income | $1,332,000 | 2,524 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $757,000 | 1,790 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $575,000 | 2,677 |
| Total noninterest expense | $4,498,000 | 3,059 |
| Salaries and employee benefits | $2,212,000 | 2,995 |
| Premises and equipment expense | $627,000 | 3,143 |
| Additional noninterest expense | $1,659,000 | 3,033 |
| Pre-tax net operating income | $2,107,000 | 3,284 |
| Securities gains (losses) | $-9,000 | 9,765 |
| Applicable income taxes | $741,000 | 2,971 |
| Income before extraordinary items | $1,357,000 | 3,453 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,357,000 | 3,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $600,000 | 1,213 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,362,850 | 3,474 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,993,000 | 4,316 |
| Total interest expense | $2,437,000 | 4,938 |
| Net interest income | $4,556,000 | 3,890 |
| Provision for loan and lease losses | $285,000 | 3,115 |
| Total noninterest income | $672,000 | 4,568 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $529,000 | 2,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 6,719 |
| Total noninterest expense | $3,117,000 | 4,369 |
| Salaries and employee benefits | $1,569,000 | 4,111 |
| Premises and equipment expense | $513,000 | 3,773 |
| Additional noninterest expense | $1,035,000 | 4,769 |
| Pre-tax net operating income | $1,826,000 | 3,622 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $700,000 | 3,120 |
| Income before extraordinary items | $1,136,000 | 4,214 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,136,000 | 4,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 4,432 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,129,600 | 4,015 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,125,000 | 7,351 |
| Total interest expense | $1,795,000 | 7,627 |
| Net interest income | $2,330,000 | 6,936 |
| Provision for loan and lease losses | $238,000 | 4,768 |
| Total noninterest income | $400,000 | 6,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 4,436 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 8,063 |
| Total noninterest expense | $2,099,000 | 6,144 |
| Salaries and employee benefits | $972,000 | 6,184 |
| Premises and equipment expense | $351,000 | 5,357 |
| Additional noninterest expense | $776,000 | 6,242 |
| Pre-tax net operating income | $393,000 | 9,309 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $133,000 | 9,043 |
| Income before extraordinary items | $260,000 | 9,782 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $260,000 | 9,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 3,524 |
| Cash dividends | $1,125,000 | 1,399 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $260,000 | 9,412 |
* 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.