Gulf Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,105,000 | 5,544 |
| Total interest expense | $1,383,000 | 5,132 |
| Net interest income | $2,722,000 | 5,613 |
| Provision for loan and lease losses | $-35,000 | 8,957 |
| Total noninterest income | $970,000 | 3,789 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $805,000 | 2,111 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $165,000 | 5,660 |
| Total noninterest expense | $6,135,000 | 2,549 |
| Salaries and employee benefits | $2,588,000 | 3,175 |
| Premises and equipment expense | $557,000 | 3,727 |
| Additional noninterest expense | $2,990,000 | 1,633 |
| Pre-tax net operating income | $-2,408,000 | 9,094 |
| Securities gains (losses) | $65,000 | 2,278 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-2,343,000 | 9,125 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-2,343,000 | 9,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-167,000 | 9,093 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-2,408,000 | 9,096 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,211,000 | 5,469 |
| Total interest expense | $1,086,000 | 5,122 |
| Net interest income | $2,125,000 | 5,515 |
| Provision for loan and lease losses | $158,000 | 3,807 |
| Total noninterest income | $768,000 | 3,730 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $645,000 | 2,004 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $123,000 | 5,698 |
| Total noninterest expense | $4,828,000 | 2,449 |
| Salaries and employee benefits | $2,037,000 | 3,040 |
| Premises and equipment expense | $474,000 | 3,362 |
| Additional noninterest expense | $2,317,000 | 1,585 |
| Pre-tax net operating income | $-2,093,000 | 9,162 |
| Securities gains (losses) | $65,000 | 2,100 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-2,028,000 | 9,194 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-2,028,000 | 9,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,836 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-2,093,000 | 9,163 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,176,000 | 5,457 |
| Total interest expense | $768,000 | 5,053 |
| Net interest income | $1,408,000 | 5,536 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $527,000 | 3,632 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $437,000 | 1,935 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $90,000 | 5,513 |
| Total noninterest expense | $3,428,000 | 2,291 |
| Salaries and employee benefits | $1,387,000 | 2,987 |
| Premises and equipment expense | $330,000 | 3,243 |
| Additional noninterest expense | $1,711,000 | 1,445 |
| Pre-tax net operating income | $-1,643,000 | 9,205 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-1,638,000 | 9,237 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,638,000 | 9,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,623 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-1,643,000 | 9,205 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,172,000 | 5,240 |
| Total interest expense | $412,000 | 4,946 |
| Net interest income | $760,000 | 5,275 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $261,000 | 3,540 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $212,000 | 1,930 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $49,000 | 5,306 |
| Total noninterest expense | $1,732,000 | 2,255 |
| Salaries and employee benefits | $675,000 | 3,047 |
| Premises and equipment expense | $164,000 | 3,248 |
| Additional noninterest expense | $893,000 | 1,353 |
| Pre-tax net operating income | $-786,000 | 9,248 |
| Securities gains (losses) | $4,000 | 2,461 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-782,000 | 9,273 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-782,000 | 9,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-786,000 | 9,240 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,162,000 | 4,478 |
| Total interest expense | $1,784,000 | 5,184 |
| Net interest income | $4,378,000 | 4,080 |
| Provision for loan and lease losses | $470,000 | 2,504 |
| Total noninterest income | $1,720,000 | 2,393 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,242,000 | 1,308 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $478,000 | 3,366 |
| Total noninterest expense | $6,793,000 | 2,198 |
| Salaries and employee benefits | $2,466,000 | 3,161 |
| Premises and equipment expense | $679,000 | 3,073 |
| Additional noninterest expense | $3,648,000 | 1,322 |
| Pre-tax net operating income | $-1,165,000 | 9,159 |
| Securities gains (losses) | $365,000 | 791 |
| Applicable income taxes | $-133,000 | 9,086 |
| Income before extraordinary items | $-667,000 | 9,102 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-667,000 | 9,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $409,000 | 1,909 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-969,950 | 9,141 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,075,000 | 3,997 |
| Total interest expense | $3,493,000 | 4,216 |
| Net interest income | $4,582,000 | 3,692 |
| Provision for loan and lease losses | $522,000 | 2,132 |
| Total noninterest income | $1,760,000 | 2,231 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,322,000 | 1,120 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $438,000 | 3,367 |
| Total noninterest expense | $4,976,000 | 2,833 |
| Salaries and employee benefits | $2,297,000 | 3,198 |
| Premises and equipment expense | $599,000 | 3,358 |
| Additional noninterest expense | $2,080,000 | 2,157 |
| Pre-tax net operating income | $844,000 | 5,349 |
| Securities gains (losses) | $147,000 | 1,423 |
| Applicable income taxes | $343,000 | 4,022 |
| Income before extraordinary items | $648,000 | 5,420 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $648,000 | 5,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $658,000 | 1,268 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $765,000 | 446 |
| Net operating income | $552,450 | 5,718 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,053,000 | 4,558 |
| Total interest expense | $3,578,000 | 4,318 |
| Net interest income | $3,475,000 | 4,632 |
| Provision for loan and lease losses | $177,000 | 4,055 |
| Total noninterest income | $1,782,000 | 2,043 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,098,000 | 1,232 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $684,000 | 2,400 |
| Total noninterest expense | $3,689,000 | 3,551 |
| Salaries and employee benefits | $1,908,000 | 3,618 |
| Premises and equipment expense | $559,000 | 3,466 |
| Additional noninterest expense | $1,222,000 | 3,373 |
| Pre-tax net operating income | $1,391,000 | 4,292 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $500,000 | 3,485 |
| Income before extraordinary items | $891,000 | 4,714 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $891,000 | 4,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 2,989 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $891,000 | 4,712 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,667,000 | 5,134 |
| Total interest expense | $2,378,000 | 5,370 |
| Net interest income | $3,289,000 | 4,839 |
| Provision for loan and lease losses | $276,000 | 2,856 |
| Total noninterest income | $1,285,000 | 2,569 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $945,000 | 1,381 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $340,000 | 3,745 |
| Total noninterest expense | $3,069,000 | 4,133 |
| Salaries and employee benefits | $1,629,000 | 4,061 |
| Premises and equipment expense | $493,000 | 3,812 |
| Additional noninterest expense | $947,000 | 4,192 |
| Pre-tax net operating income | $1,229,000 | 4,698 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $405,000 | 4,126 |
| Income before extraordinary items | $824,000 | 5,010 |
| Extraordinary gains, net | $324,000 | 10 |
| Net income | $1,148,000 | 4,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,730 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $824,000 | 4,978 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,923,000 | 5,741 |
| Total interest expense | $2,157,000 | 5,909 |
| Net interest income | $2,766,000 | 5,457 |
| Provision for loan and lease losses | $86,000 | 5,448 |
| Total noninterest income | $1,246,000 | 2,611 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $920,000 | 1,367 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $326,000 | 3,841 |
| Total noninterest expense | $2,458,000 | 4,828 |
| Salaries and employee benefits | $1,336,000 | 4,659 |
| Premises and equipment expense | $430,000 | 4,170 |
| Additional noninterest expense | $692,000 | 5,216 |
| Pre-tax net operating income | $1,468,000 | 4,239 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $519,000 | 3,742 |
| Income before extraordinary items | $949,000 | 4,664 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $949,000 | 4,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 10,001 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $949,000 | 4,575 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,153,000 | 6,517 |
| Total interest expense | $1,739,000 | 6,805 |
| Net interest income | $2,414,000 | 6,192 |
| Provision for loan and lease losses | $179,000 | 3,765 |
| Total noninterest income | $1,082,000 | 2,864 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $739,000 | 1,757 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $343,000 | 3,627 |
| Total noninterest expense | $2,168,000 | 5,338 |
| Salaries and employee benefits | $1,195,000 | 5,114 |
| Premises and equipment expense | $370,000 | 4,710 |
| Additional noninterest expense | $603,000 | 5,786 |
| Pre-tax net operating income | $1,149,000 | 5,388 |
| Securities gains (losses) | $-7,000 | 9,846 |
| Applicable income taxes | $421,000 | 4,729 |
| Income before extraordinary items | $721,000 | 5,810 |
| Extraordinary gains, net | $44,000 | 16 |
| Net income | $765,000 | 5,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,258 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $248,000 | 646 |
| Net operating income | $725,480 | 5,742 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,159,000 | 7,797 |
| Total interest expense | $1,288,000 | 8,140 |
| Net interest income | $1,871,000 | 7,420 |
| Provision for loan and lease losses | $43,000 | 6,890 |
| Total noninterest income | $906,000 | 3,378 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $499,000 | 2,727 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $407,000 | 3,369 |
| Total noninterest expense | $2,045,000 | 5,857 |
| Salaries and employee benefits | $1,136,000 | 5,460 |
| Premises and equipment expense | $241,000 | 6,374 |
| Additional noninterest expense | $668,000 | 5,929 |
| Pre-tax net operating income | $689,000 | 6,983 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $269,000 | 6,193 |
| Income before extraordinary items | $421,000 | 7,446 |
| Extraordinary gains, net | $45,000 | 31 |
| Net income | $466,000 | 7,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,157 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $420,360 | 7,398 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,336,000 | 9,206 |
| Total interest expense | $866,000 | 9,746 |
| Net interest income | $1,470,000 | 8,622 |
| Provision for loan and lease losses | $19,000 | 7,763 |
| Total noninterest income | $768,000 | 3,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $475,000 | 2,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $293,000 | 4,054 |
| Total noninterest expense | $1,977,000 | 6,039 |
| Salaries and employee benefits | $958,000 | 6,256 |
| Premises and equipment expense | $240,000 | 6,502 |
| Additional noninterest expense | $779,000 | 5,369 |
| Pre-tax net operating income | $242,000 | 10,175 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $105,000 | 9,072 |
| Income before extraordinary items | $141,000 | 10,546 |
| Extraordinary gains, net | $340,000 | 6 |
| Net income | $481,000 | 7,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $138,440 | 10,540 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,872,000 | 10,037 |
| Total interest expense | $653,000 | 10,340 |
| Net interest income | $1,219,000 | 9,714 |
| Provision for loan and lease losses | $6,000 | 8,739 |
| Total noninterest income | $646,000 | 4,396 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $430,000 | 3,163 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $216,000 | 5,029 |
| Total noninterest expense | $1,610,000 | 7,269 |
| Salaries and employee benefits | $774,000 | 7,354 |
| Premises and equipment expense | $187,000 | 7,705 |
| Additional noninterest expense | $649,000 | 6,688 |
| Pre-tax net operating income | $249,000 | 10,497 |
| Securities gains (losses) | $11,000 | 2,158 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $260,000 | 9,586 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $260,000 | 9,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $249,000 | 9,778 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,592,000 | 11,009 |
| Total interest expense | $562,000 | 11,355 |
| Net interest income | $1,030,000 | 10,676 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $607,000 | 4,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $470,000 | 2,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,855 |
| Total noninterest expense | $1,460,000 | 7,961 |
| Salaries and employee benefits | $656,000 | 8,335 |
| Premises and equipment expense | $207,000 | 7,543 |
| Additional noninterest expense | $597,000 | 7,365 |
| Pre-tax net operating income | $162,000 | 11,386 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $162,000 | 11,059 |
| Extraordinary gains, net | $35,000 | 2,385 |
| Net income | $197,000 | 10,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $162,000 | 10,851 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,488,000 | 11,997 |
| Total interest expense | $592,000 | 12,327 |
| Net interest income | $896,000 | 11,535 |
| Provision for loan and lease losses | $6,000 | 11,435 |
| Total noninterest income | $463,000 | 5,950 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $298,000 | 4,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 6,311 |
| Total noninterest expense | $1,313,000 | 8,622 |
| Salaries and employee benefits | $547,000 | 9,303 |
| Premises and equipment expense | $194,000 | 7,976 |
| Additional noninterest expense | $572,000 | 7,759 |
| Pre-tax net operating income | $40,000 | 12,476 |
| Securities gains (losses) | $65,000 | 3,702 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $105,000 | 11,876 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $105,000 | 11,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 10,608 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 13,787 |
| Net operating income | $40,000 | 12,386 |
* 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.