Home > Greater Bay Bank > Income and Expense

Greater Bay Bank, Income and Expense

2007-12-31 (YTD Data)		Rank
Total interest income	$104,505,000	420
Total interest expense	$38,520,000	524
Net interest income	$65,985,000	371
Provision for loan and lease losses	$3,476,000	570
Total noninterest income	$11,374,000	559
Gross Fiduciary activities income	$1,016,000	416
Service charges on deposit accounts	$1,236,000	1,453
Trading account gains and fees	$0	178
Additional Noninterest Income	$9,122,000	435
Total noninterest expense	$47,022,000	433
Salaries and employee benefits	$25,093,000	399
Premises and equipment expense	$6,861,000	395
Additional noninterest expense	$15,068,000	423
Pre-tax net operating income	$26,861,000	377
Securities gains (losses)	$-12,000	7,599
Applicable income taxes	$9,422,000	343
Income before extraordinary items	$17,427,000	397
Extraordinary gains, net	$0	39
Net income	$17,427,000	394
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,476,000	409
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$17,434,800	391
2007-09-30 (YTD Data)		Rank
Total interest income	$344,806,000	136
Total interest expense	$151,758,000	146
Net interest income	$193,048,000	119
Provision for loan and lease losses	$1,387,000	687
Total noninterest income	$31,336,000	220
Gross Fiduciary activities income	$3,357,000	168
Service charges on deposit accounts	$3,811,000	345
Trading account gains and fees	$0	184
Additional Noninterest Income	$24,168,000	187
Total noninterest expense	$151,687,000	129
Salaries and employee benefits	$87,936,000	103
Premises and equipment expense	$21,302,000	113
Additional noninterest expense	$42,449,000	155
Pre-tax net operating income	$71,310,000	157
Securities gains (losses)	$-97,000	8,281
Applicable income taxes	$25,583,000	147
Income before extraordinary items	$45,630,000	167
Extraordinary gains, net	$0	33
Net income	$45,630,000	165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,008,000	167
Cash dividends	$39,000,000	129
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$45,692,080	164
2007-06-30 (YTD Data)		Rank
Total interest income	$227,304,000	149
Total interest expense	$98,156,000	160
Net interest income	$129,148,000	129
Provision for loan and lease losses	$-1,038,000	8,593
Total noninterest income	$26,362,000	202
Gross Fiduciary activities income	$2,235,000	175
Service charges on deposit accounts	$2,605,000	346
Trading account gains and fees	$0	168
Additional Noninterest Income	$21,522,000	172
Total noninterest expense	$101,020,000	142
Salaries and employee benefits	$58,205,000	116
Premises and equipment expense	$13,840,000	128
Additional noninterest expense	$28,975,000	161
Pre-tax net operating income	$55,528,000	154
Securities gains (losses)	$-194,000	8,465
Applicable income taxes	$20,188,000	142
Income before extraordinary items	$35,146,000	164
Extraordinary gains, net	$0	29
Net income	$35,146,000	164
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,877,000	208
Cash dividends	$39,000,000	111
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$35,270,160	163
2007-03-31 (YTD Data)		Rank
Total interest income	$112,762,000	149
Total interest expense	$48,169,000	157
Net interest income	$64,593,000	130
Provision for loan and lease losses	$-953,000	8,633
Total noninterest income	$12,679,000	205
Gross Fiduciary activities income	$1,099,000	173
Service charges on deposit accounts	$1,299,000	337
Trading account gains and fees	$0	195
Additional Noninterest Income	$10,281,000	171
Total noninterest expense	$52,672,000	137
Salaries and employee benefits	$30,725,000	109
Premises and equipment expense	$6,721,000	130
Additional noninterest expense	$15,226,000	155
Pre-tax net operating income	$25,553,000	153
Securities gains (losses)	$-216,000	8,586
Applicable income taxes	$9,315,000	146
Income before extraordinary items	$16,022,000	165
Extraordinary gains, net	$0	22
Net income	$16,022,000	164
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,122,000	218
Cash dividends	$23,000,000	86
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$16,160,240	161
2006-12-31 (YTD Data)		Rank
Total interest income	$439,738,000	141
Total interest expense	$156,321,000	165
Net interest income	$283,417,000	113
Provision for loan and lease losses	$-8,014,000	8,671
Total noninterest income	$57,798,000	175
Gross Fiduciary activities income	$4,575,000	165
Service charges on deposit accounts	$6,202,000	284
Trading account gains and fees	$0	130
Additional Noninterest Income	$47,021,000	154
Total noninterest expense	$195,293,000	137
Salaries and employee benefits	$108,552,000	112
Premises and equipment expense	$27,455,000	119
Additional noninterest expense	$59,286,000	155
Pre-tax net operating income	$153,936,000	126
Securities gains (losses)	$44,000	713
Applicable income taxes	$55,159,000	123
Income before extraordinary items	$98,821,000	127
Extraordinary gains, net	$125,000	30
Net income	$98,946,000	128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,120,000	173
Cash dividends	$90,400,000	95
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$98,792,840	124
2006-09-30 (YTD Data)		Rank
Total interest income	$323,894,000	148
Total interest expense	$109,824,000	178
Net interest income	$214,070,000	120
Provision for loan and lease losses	$-7,908,000	8,738
Total noninterest income	$43,426,000	190
Gross Fiduciary activities income	$3,383,000	172
Service charges on deposit accounts	$4,793,000	274
Trading account gains and fees	$0	126
Additional Noninterest Income	$35,250,000	166
Total noninterest expense	$147,083,000	145
Salaries and employee benefits	$82,252,000	115
Premises and equipment expense	$20,482,000	124
Additional noninterest expense	$44,349,000	165
Pre-tax net operating income	$118,321,000	133
Securities gains (losses)	$44,000	587
Applicable income taxes	$42,842,000	128
Income before extraordinary items	$75,523,000	138
Extraordinary gains, net	$125,000	24
Net income	$75,648,000	139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,928,000	211
Cash dividends	$67,400,000	95
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$75,494,840	136
2006-06-30 (YTD Data)		Rank
Total interest income	$210,687,000	152
Total interest expense	$66,390,000	185
Net interest income	$144,297,000	119
Provision for loan and lease losses	$-7,765,000	8,772
Total noninterest income	$29,057,000	196
Gross Fiduciary activities income	$2,275,000	174
Service charges on deposit accounts	$3,305,000	262
Trading account gains and fees	$0	126
Additional Noninterest Income	$23,477,000	170
Total noninterest expense	$98,792,000	146
Salaries and employee benefits	$57,024,000	116
Premises and equipment expense	$13,339,000	128
Additional noninterest expense	$28,429,000	171
Pre-tax net operating income	$82,327,000	133
Securities gains (losses)	$5,000	842
Applicable income taxes	$29,999,000	129
Income before extraordinary items	$52,333,000	141
Extraordinary gains, net	$125,000	20
Net income	$52,458,000	140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,705,000	179
Cash dividends	$42,400,000	91
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$52,329,800	136
2006-03-31 (YTD Data)		Rank
Total interest income	$103,068,000	151
Total interest expense	$30,856,000	188
Net interest income	$72,212,000	119
Provision for loan and lease losses	$-7,548,000	8,783
Total noninterest income	$15,122,000	191
Gross Fiduciary activities income	$1,099,000	177
Service charges on deposit accounts	$1,759,000	242
Trading account gains and fees	$0	115
Additional Noninterest Income	$12,264,000	165
Total noninterest expense	$52,823,000	139
Salaries and employee benefits	$30,125,000	109
Premises and equipment expense	$6,756,000	128
Additional noninterest expense	$15,942,000	157
Pre-tax net operating income	$42,059,000	135
Securities gains (losses)	$0	955
Applicable income taxes	$15,114,000	128
Income before extraordinary items	$26,945,000	138
Extraordinary gains, net	$125,000	11
Net income	$27,070,000	139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	1,610
Cash dividends	$15,400,000	95
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$26,945,000	136
2005-12-31 (YTD Data)		Rank
Total interest income	$387,701,000	144
Total interest expense	$96,371,000	188
Net interest income	$291,330,000	114
Provision for loan and lease losses	$-14,064,000	8,824
Total noninterest income	$66,127,000	183
Gross Fiduciary activities income	$4,416,000	173
Service charges on deposit accounts	$7,316,000	240
Trading account gains and fees	$0	138
Additional Noninterest Income	$54,395,000	161
Total noninterest expense	$190,460,000	145
Salaries and employee benefits	$102,456,000	119
Premises and equipment expense	$26,716,000	126
Additional noninterest expense	$61,288,000	168
Pre-tax net operating income	$181,061,000	113
Securities gains (losses)	$50,000	924
Applicable income taxes	$66,900,000	114
Income before extraordinary items	$114,211,000	126
Extraordinary gains, net	$0	46
Net income	$114,211,000	126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,284,000	122
Cash dividends	$41,000,000	145
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$114,179,000	121
2005-09-30 (YTD Data)		Rank
Total interest income	$285,941,000	142
Total interest expense	$68,175,000	185
Net interest income	$217,766,000	116
Provision for loan and lease losses	$-4,575,000	8,839
Total noninterest income	$50,367,000	189
Gross Fiduciary activities income	$3,270,000	172
Service charges on deposit accounts	$5,596,000	230
Trading account gains and fees	$0	126
Additional Noninterest Income	$41,501,000	164
Total noninterest expense	$141,711,000	149
Salaries and employee benefits	$75,989,000	124
Premises and equipment expense	$19,749,000	130
Additional noninterest expense	$45,973,000	166
Pre-tax net operating income	$130,997,000	121
Securities gains (losses)	$50,000	878
Applicable income taxes	$47,668,000	120
Income before extraordinary items	$83,379,000	130
Extraordinary gains, net	$0	35
Net income	$83,379,000	130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,077,000	116
Cash dividends	$26,500,000	156
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$83,347,000	125
2005-06-30 (YTD Data)		Rank
Total interest income	$186,097,000	142
Total interest expense	$43,180,000	181
Net interest income	$142,917,000	116
Provision for loan and lease losses	$-2,043,000	8,837
Total noninterest income	$35,304,000	182
Gross Fiduciary activities income	$2,169,000	171
Service charges on deposit accounts	$3,860,000	216
Trading account gains and fees	$0	116
Additional Noninterest Income	$29,275,000	156
Total noninterest expense	$96,231,000	148
Salaries and employee benefits	$51,759,000	121
Premises and equipment expense	$12,913,000	128
Additional noninterest expense	$31,559,000	162
Pre-tax net operating income	$84,033,000	122
Securities gains (losses)	$7,000	1,472
Applicable income taxes	$30,098,000	122
Income before extraordinary items	$53,942,000	134
Extraordinary gains, net	$0	30
Net income	$53,942,000	134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,978,000	105
Cash dividends	$13,500,000	166
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$53,937,520	131
2005-03-31 (YTD Data)		Rank
Total interest income	$90,821,000	141
Total interest expense	$19,942,000	185
Net interest income	$70,879,000	120
Provision for loan and lease losses	$-4,651,000	8,921
Total noninterest income	$17,388,000	187
Gross Fiduciary activities income	$1,087,000	174
Service charges on deposit accounts	$1,944,000	209
Trading account gains and fees	$0	115
Additional Noninterest Income	$14,357,000	160
Total noninterest expense	$50,543,000	147
Salaries and employee benefits	$27,049,000	118
Premises and equipment expense	$6,317,000	134
Additional noninterest expense	$17,177,000	155
Pre-tax net operating income	$42,375,000	124
Securities gains (losses)	$4,000	1,261
Applicable income taxes	$14,800,000	126
Income before extraordinary items	$27,579,000	131
Extraordinary gains, net	$0	24
Net income	$27,579,000	131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,502,000	108
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$27,576,400	128
2004-12-31 (YTD Data)		Rank
Total interest income	$369,837,000	130
Total interest expense	$67,876,000	169
Net interest income	$301,961,000	116
Provision for loan and lease losses	$714,000	1,439
Total noninterest income	$48,394,000	224
Gross Fiduciary activities income	$4,101,000	173
Service charges on deposit accounts	$7,885,000	222
Trading account gains and fees	$0	138
Additional Noninterest Income	$36,408,000	205
Total noninterest expense	$211,251,000	141
Salaries and employee benefits	$49,539,000	202
Premises and equipment expense	$18,157,000	162
Additional noninterest expense	$143,555,000	98
Pre-tax net operating income	$138,390,000	133
Securities gains (losses)	$5,832,000	102
Applicable income taxes	$54,238,000	127
Income before extraordinary items	$89,984,000	141
Extraordinary gains, net	$0	34
Net income	$89,984,000	143
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,590,000	113
Cash dividends	$94,186,000	88
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$86,251,520	139
2004-09-30 (YTD Data)		Rank
Total interest income	$278,543,000	133
Total interest expense	$49,275,000	172
Net interest income	$229,268,000	119
Provision for loan and lease losses	$2,164,000	395
Total noninterest income	$34,770,000	237
Gross Fiduciary activities income	$2,990,000	173
Service charges on deposit accounts	$5,932,000	229
Trading account gains and fees	$0	134
Additional Noninterest Income	$25,848,000	219
Total noninterest expense	$158,813,000	144
Salaries and employee benefits	$39,637,000	197
Premises and equipment expense	$13,391,000	167
Additional noninterest expense	$105,785,000	98
Pre-tax net operating income	$103,061,000	132
Securities gains (losses)	$4,601,000	110
Applicable income taxes	$40,534,000	127
Income before extraordinary items	$67,128,000	145
Extraordinary gains, net	$0	26
Net income	$67,128,000	146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,027,000	120
Cash dividends	$94,186,000	71
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$64,183,360	139
2004-06-30 (YTD Data)		Rank
Total interest income	$187,546,000	131
Total interest expense	$31,691,000	170
Net interest income	$155,855,000	118
Provision for loan and lease losses	$1,127,000	482
Total noninterest income	$23,525,000	239
Gross Fiduciary activities income	$1,956,000	179
Service charges on deposit accounts	$4,017,000	219
Trading account gains and fees	$0	130
Additional Noninterest Income	$17,552,000	220
Total noninterest expense	$107,814,000	141
Salaries and employee benefits	$27,555,000	192
Premises and equipment expense	$8,280,000	177
Additional noninterest expense	$71,979,000	98
Pre-tax net operating income	$70,439,000	131
Securities gains (losses)	$3,198,000	118
Applicable income taxes	$27,831,000	129
Income before extraordinary items	$45,806,000	140
Extraordinary gains, net	$0	21
Net income	$45,806,000	141
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,443,000	119
Cash dividends	$94,186,000	60
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$43,759,280	140
2004-03-31 (YTD Data)		Rank
Total interest income	$95,738,000	129
Total interest expense	$15,535,000	172
Net interest income	$80,203,000	114
Provision for loan and lease losses	$58,000	3,132
Total noninterest income	$11,603,000	229
Gross Fiduciary activities income	$926,000	180
Service charges on deposit accounts	$2,026,000	221
Trading account gains and fees	$0	121
Additional Noninterest Income	$8,651,000	221
Total noninterest expense	$56,595,000	133
Salaries and employee benefits	$14,730,000	179
Premises and equipment expense	$4,118,000	180
Additional noninterest expense	$37,747,000	93
Pre-tax net operating income	$35,153,000	129
Securities gains (losses)	$2,357,000	105
Applicable income taxes	$14,458,000	119
Income before extraordinary items	$23,052,000	142
Extraordinary gains, net	$0	16
Net income	$23,052,000	143
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,458,000	113
Cash dividends	$87,091,000	35
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$21,543,520	135
2003-12-31 (YTD Data)		Rank
Total interest income	$79,716,000	382
Total interest expense	$18,043,000	509
Net interest income	$61,673,000	347
Provision for loan and lease losses	$173,000	4,345
Total noninterest income	$3,786,000	1,410
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$972,000	1,775
Trading account gains and fees	$0	160
Additional Noninterest Income	$2,814,000	1,135
Total noninterest expense	$33,178,000	531
Salaries and employee benefits	$6,575,000	1,308
Premises and equipment expense	$2,539,000	879
Additional noninterest expense	$24,064,000	295
Pre-tax net operating income	$32,108,000	332
Securities gains (losses)	$2,631,000	243
Applicable income taxes	$13,067,000	304
Income before extraordinary items	$21,672,000	361
Extraordinary gains, net	$0	54
Net income	$21,672,000	362
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,693,000	297
Cash dividends	$4,849,000	673
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$19,988,160	360
2003-09-30 (YTD Data)		Rank
Total interest income	$60,422,000	395
Total interest expense	$14,247,000	505
Net interest income	$46,175,000	355
Provision for loan and lease losses	$145,000	3,973
Total noninterest income	$2,778,000	1,459
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$714,000	1,816
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,064,000	1,199
Total noninterest expense	$25,376,000	538
Salaries and employee benefits	$5,028,000	1,296
Premises and equipment expense	$1,915,000	891
Additional noninterest expense	$18,433,000	293
Pre-tax net operating income	$23,432,000	348
Securities gains (losses)	$2,469,000	238
Applicable income taxes	$9,668,000	319
Income before extraordinary items	$16,233,000	379
Extraordinary gains, net	$0	40
Net income	$16,233,000	380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,096,000	318
Cash dividends	$3,652,000	617
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$14,652,840	377
2003-06-30 (YTD Data)		Rank
Total interest income	$40,775,000	394
Total interest expense	$9,880,000	504
Net interest income	$30,895,000	358
Provision for loan and lease losses	$253,000	2,104
Total noninterest income	$1,932,000	1,400
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$470,000	1,799
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,462,000	1,156
Total noninterest expense	$17,127,000	529
Salaries and employee benefits	$3,513,000	1,222
Premises and equipment expense	$1,235,000	925
Additional noninterest expense	$12,379,000	290
Pre-tax net operating income	$15,447,000	352
Securities gains (losses)	$2,294,000	206
Applicable income taxes	$6,596,000	322
Income before extraordinary items	$11,145,000	367
Extraordinary gains, net	$0	30
Net income	$11,145,000	368
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,043,000	326
Cash dividends	$2,459,000	617
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$9,676,840	373
2003-03-31 (YTD Data)		Rank
Total interest income	$20,445,000	399
Total interest expense	$5,053,000	503
Net interest income	$15,392,000	363
Provision for loan and lease losses	$11,000	6,010
Total noninterest income	$1,103,000	1,251
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$257,000	1,595
Trading account gains and fees	$0	134
Additional Noninterest Income	$846,000	1,002
Total noninterest expense	$9,075,000	504
Salaries and employee benefits	$1,737,000	1,230
Premises and equipment expense	$552,000	1,046
Additional noninterest expense	$6,786,000	272
Pre-tax net operating income	$7,409,000	359
Securities gains (losses)	$815,000	257
Applicable income taxes	$3,056,000	343
Income before extraordinary items	$5,168,000	376
Extraordinary gains, net	$0	21
Net income	$5,168,000	376
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,220,000	290
Cash dividends	$1,095,000	651
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$4,646,400	378
2002-12-31 (YTD Data)		Rank
Total interest income	$89,242,000	385
Total interest expense	$28,129,000	432
Net interest income	$61,113,000	371
Provision for loan and lease losses	$4,209,000	432
Total noninterest income	$3,672,000	1,341
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$786,000	2,030
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,886,000	1,021
Total noninterest expense	$30,588,000	555
Salaries and employee benefits	$6,559,000	1,231
Premises and equipment expense	$2,428,000	897
Additional noninterest expense	$21,601,000	331
Pre-tax net operating income	$29,988,000	347
Securities gains (losses)	$2,558,000	241
Applicable income taxes	$11,455,000	327
Income before extraordinary items	$21,091,000	357
Extraordinary gains, net	$0	70
Net income	$21,091,000	356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,276,000	352
Cash dividends	$18,442,000	240
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$19,428,300	357
2001-12-31 (YTD Data)		Rank
Total interest income	$93,732,000	409
Total interest expense	$38,020,000	467
Net interest income	$55,712,000	379
Provision for loan and lease losses	$8,117,000	265
Total noninterest income	$2,419,000	1,723
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$523,000	2,746
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,896,000	1,294
Total noninterest expense	$23,413,000	676
Salaries and employee benefits	$5,958,000	1,247
Premises and equipment expense	$2,209,000	946
Additional noninterest expense	$15,246,000	426
Pre-tax net operating income	$26,601,000	345
Securities gains (losses)	$1,094,000	381
Applicable income taxes	$10,206,000	330
Income before extraordinary items	$17,489,000	363
Extraordinary gains, net	$0	105
Net income	$17,489,000	365
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,538,000	484
Cash dividends	$3,573,000	792
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$16,788,840	360
2000-12-31 (YTD Data)		Rank
Total interest income	$81,416,000	485
Total interest expense	$35,414,000	546
Net interest income	$46,002,000	431
Provision for loan and lease losses	$7,898,000	230
Total noninterest income	$1,820,000	2,018
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$282,000	4,233
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,538,000	1,356
Total noninterest expense	$19,347,000	775
Salaries and employee benefits	$4,715,000	1,504
Premises and equipment expense	$1,917,000	1,044
Additional noninterest expense	$12,715,000	491
Pre-tax net operating income	$20,577,000	438
Securities gains (losses)	$-23,000	8,808
Applicable income taxes	$7,541,000	417
Income before extraordinary items	$13,013,000	463
Extraordinary gains, net	$0	38
Net income	$13,013,000	464
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,212,000	453
Cash dividends	$2,551,000	1,101
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$13,027,720	462
1999-12-31 (YTD Data)		Rank
Total interest income	$51,020,000	687
Total interest expense	$20,996,000	761
Net interest income	$30,024,000	633
Provision for loan and lease losses	$3,109,000	405
Total noninterest income	$999,000	3,094
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$243,000	4,602
Trading account gains and fees	$0	173
Additional Noninterest Income	$756,000	2,246
Total noninterest expense	$14,876,000	947
Salaries and employee benefits	$3,655,000	1,912
Premises and equipment expense	$1,645,000	1,232
Additional noninterest expense	$9,576,000	630
Pre-tax net operating income	$13,038,000	670
Securities gains (losses)	$-9,000	9,275
Applicable income taxes	$4,953,000	605
Income before extraordinary items	$8,076,000	728
Extraordinary gains, net	$0	35
Net income	$8,076,000	729
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,270
Cash dividends	$1,373,000	1,802
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$8,081,760	715
1998-12-31 (YTD Data)		Rank
Total interest income	$36,713,000	904
Total interest expense	$15,016,000	1,049
Net interest income	$21,697,000	788
Provision for loan and lease losses	$1,455,000	721
Total noninterest income	$729,000	3,863
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$246,000	4,540
Trading account gains and fees	$0	224
Additional Noninterest Income	$483,000	3,044
Total noninterest expense	$11,197,000	1,173
Salaries and employee benefits	$3,080,000	2,191
Premises and equipment expense	$1,241,000	1,576
Additional noninterest expense	$6,876,000	773
Pre-tax net operating income	$9,774,000	794
Securities gains (losses)	$91,000	1,343
Applicable income taxes	$3,583,000	752
Income before extraordinary items	$6,282,000	867
Extraordinary gains, net	$0	32
Net income	$6,282,000	867
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,392
Cash dividends	$1,207,000	1,932
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$6,223,760	836
1997-12-31 (YTD Data)		Rank
Total interest income	$27,494,000	1,215
Total interest expense	$9,951,000	1,556
Net interest income	$17,543,000	1,006
Provision for loan and lease losses	$1,435,000	753
Total noninterest income	$715,000	3,916
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$271,000	4,390
Trading account gains and fees	$0	239
Additional Noninterest Income	$444,000	3,071
Total noninterest expense	$9,508,000	1,385
Salaries and employee benefits	$2,957,000	2,238
Premises and equipment expense	$1,060,000	1,871
Additional noninterest expense	$5,491,000	903
Pre-tax net operating income	$7,315,000	1,098
Securities gains (losses)	$-44,000	10,611
Applicable income taxes	$2,866,000	967
Income before extraordinary items	$4,405,000	1,239
Extraordinary gains, net	$0	44
Net income	$4,405,000	1,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,353
Cash dividends	$1,001,000	2,146
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$4,433,160	1,210
1996-12-31 (YTD Data)		Rank
Total interest income	$19,824,000	1,697
Total interest expense	$7,495,000	2,097
Net interest income	$12,329,000	1,460
Provision for loan and lease losses	$892,000	1,112
Total noninterest income	$722,000	4,014
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$245,000	4,897
Trading account gains and fees	$0	262
Additional Noninterest Income	$477,000	3,025
Total noninterest expense	$6,873,000	2,032
Salaries and employee benefits	$4,238,000	1,572
Premises and equipment expense	$1,224,000	1,659
Additional noninterest expense	$1,411,000	3,288
Pre-tax net operating income	$5,286,000	1,358
Securities gains (losses)	$-729,000	11,390
Applicable income taxes	$1,951,000	1,260
Income before extraordinary items	$2,606,000	1,898
Extraordinary gains, net	$0	53
Net income	$2,606,000	1,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,286
Cash dividends	$986,000	2,196
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$3,072,560	1,591
1995-12-31 (YTD Data)		Rank
Total interest income	$16,940,000	1,990
Total interest expense	$6,566,000	2,368
Net interest income	$10,374,000	1,723
Provision for loan and lease losses	$275,000	2,402
Total noninterest income	$517,000	5,068
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$211,000	5,500
Trading account gains and fees	$0	522
Additional Noninterest Income	$306,000	3,951
Total noninterest expense	$5,968,000	2,281
Salaries and employee benefits	$3,442,000	1,927
Premises and equipment expense	$993,000	2,029
Additional noninterest expense	$1,533,000	3,035
Pre-tax net operating income	$4,648,000	1,596
Securities gains (losses)	$-113,000	11,542
Applicable income taxes	$1,814,000	1,385
Income before extraordinary items	$2,721,000	1,852
Extraordinary gains, net	$0	65
Net income	$2,721,000	1,851
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	10,875
Cash dividends	$621,000	2,852
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$2,793,320	1,784
1994-12-31 (YTD Data)		Rank
Total interest income	$12,440,000	2,437
Total interest expense	$4,239,000	2,888
Net interest income	$8,201,000	2,199
Provision for loan and lease losses	$203,000	2,987
Total noninterest income	$481,000	5,442
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$274,000	4,700
Trading account gains and fees	$0	475
Additional Noninterest Income	$207,000	5,150
Total noninterest expense	$5,143,000	2,698
Salaries and employee benefits	$2,781,000	2,410
Premises and equipment expense	$866,000	2,334
Additional noninterest expense	$1,496,000	3,302
Pre-tax net operating income	$3,336,000	2,136
Securities gains (losses)	$-266,000	12,062
Applicable income taxes	$1,232,000	1,842
Income before extraordinary items	$1,838,000	2,643
Extraordinary gains, net	$0	249
Net income	$1,838,000	2,643
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$186,000	2,612
Cash dividends	$935,000	2,029
Sale, conversion, retirement of capital stock, net	$572,000	526
Net operating income	$2,008,240	2,434
1993-12-31 (YTD Data)		Rank
Total interest income	$8,119,000	3,765
Total interest expense	$2,599,000	4,648
Net interest income	$5,520,000	3,259
Provision for loan and lease losses	$214,000	3,766
Total noninterest income	$187,000	9,467
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$95,000	8,525
Trading account gains and fees	$0	532
Additional Noninterest Income	$92,000	8,143
Total noninterest expense	$3,385,000	4,039
Salaries and employee benefits	$1,736,000	3,750
Premises and equipment expense	$666,000	3,017
Additional noninterest expense	$983,000	4,991
Pre-tax net operating income	$2,108,000	3,153
Securities gains (losses)	$72,000	2,926
Applicable income taxes	$842,000	2,651
Income before extraordinary items	$1,338,000	3,607
Extraordinary gains, net	$0	3,149
Net income	$1,338,000	3,721
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	4,582
Cash dividends	$205,000	5,330
Sale, conversion, retirement of capital stock, net	$60,000	957
Net operating income	$1,291,920	3,547
1992-12-31 (YTD Data)		Rank
Total interest income	$7,396,000	4,601
Total interest expense	$2,821,000	5,445
Net interest income	$4,575,000	3,941
Provision for loan and lease losses	$165,000	5,823
Total noninterest income	$199,000	9,438
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	9,928
Trading account gains and fees	NA	NA
Additional Noninterest Income	$139,000	6,908
Total noninterest expense	$2,849,000	4,745
Salaries and employee benefits	$1,464,000	4,322
Premises and equipment expense	$579,000	3,483
Additional noninterest expense	$806,000	6,036
Pre-tax net operating income	$1,760,000	3,501
Securities gains (losses)	$2,000	7,695
Applicable income taxes	$587,000	3,489
Income before extraordinary items	$1,175,000	3,886
Extraordinary gains, net	$0	1,422
Net income	$1,175,000	3,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$169,000	5,507
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,173,660	3,602

* 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.