Home > Intercontinental National Bank > Income and Expense
Intercontinental National Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,342,000 | 4,902 |
| Total interest expense | $1,505,000 | 4,797 |
| Net interest income | $1,837,000 | 4,929 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $223,000 | 5,352 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $160,000 | 3,966 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $63,000 | 5,922 |
| Total noninterest expense | $1,628,000 | 4,758 |
| Salaries and employee benefits | $771,000 | 5,251 |
| Premises and equipment expense | $292,000 | 3,913 |
| Additional noninterest expense | $565,000 | 4,196 |
| Pre-tax net operating income | $432,000 | 5,352 |
| Securities gains (losses) | $6,000 | 974 |
| Applicable income taxes | $135,000 | 3,776 |
| Income before extraordinary items | $303,000 | 5,633 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $303,000 | 5,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $142,000 | 4,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $298,860 | 5,653 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,684,000 | 4,877 |
| Total interest expense | $759,000 | 4,743 |
| Net interest income | $925,000 | 4,921 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $107,000 | 5,393 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $76,000 | 4,018 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $31,000 | 5,926 |
| Total noninterest expense | $808,000 | 4,777 |
| Salaries and employee benefits | $393,000 | 5,230 |
| Premises and equipment expense | $147,000 | 3,913 |
| Additional noninterest expense | $268,000 | 4,309 |
| Pre-tax net operating income | $224,000 | 5,275 |
| Securities gains (losses) | $5,000 | 805 |
| Applicable income taxes | $69,000 | 3,766 |
| Income before extraordinary items | $160,000 | 5,524 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $160,000 | 5,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $78,000 | 3,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $156,500 | 5,556 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,741,000 | 4,665 |
| Total interest expense | $3,109,000 | 4,228 |
| Net interest income | $3,632,000 | 4,935 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $480,000 | 5,224 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $368,000 | 3,712 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $112,000 | 6,140 |
| Total noninterest expense | $3,227,000 | 4,654 |
| Salaries and employee benefits | $1,438,000 | 5,341 |
| Premises and equipment expense | $690,000 | 3,369 |
| Additional noninterest expense | $1,099,000 | 4,211 |
| Pre-tax net operating income | $885,000 | 5,441 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $115,000 | 4,852 |
| Income before extraordinary items | $770,000 | 5,295 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $770,000 | 5,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,610 |
| Cash dividends | $1,275,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $770,000 | 5,291 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,144,000 | 4,610 |
| Total interest expense | $2,406,000 | 4,060 |
| Net interest income | $2,738,000 | 4,968 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $359,000 | 5,241 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $278,000 | 3,723 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $81,000 | 6,203 |
| Total noninterest expense | $2,383,000 | 4,682 |
| Salaries and employee benefits | $1,063,000 | 5,359 |
| Premises and equipment expense | $530,000 | 3,311 |
| Additional noninterest expense | $790,000 | 4,306 |
| Pre-tax net operating income | $714,000 | 5,475 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $104,000 | 4,888 |
| Income before extraordinary items | $610,000 | 5,322 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $610,000 | 5,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,744 |
| Cash dividends | $422,000 | 3,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $610,000 | 5,316 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,451,000 | 4,559 |
| Total interest expense | $1,572,000 | 3,986 |
| Net interest income | $1,879,000 | 4,897 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $244,000 | 5,199 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $189,000 | 3,674 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $55,000 | 6,230 |
| Total noninterest expense | $1,587,000 | 4,705 |
| Salaries and employee benefits | $704,000 | 5,406 |
| Premises and equipment expense | $354,000 | 3,298 |
| Additional noninterest expense | $529,000 | 4,293 |
| Pre-tax net operating income | $536,000 | 5,253 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $59,000 | 5,090 |
| Income before extraordinary items | $477,000 | 5,003 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $477,000 | 5,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,995 |
| Cash dividends | $296,000 | 3,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $477,000 | 4,992 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,587,000 | 4,729 |
| Total interest expense | $674,000 | 4,272 |
| Net interest income | $913,000 | 4,983 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $128,000 | 5,053 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $102,000 | 3,438 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,300 |
| Total noninterest expense | $805,000 | 4,668 |
| Salaries and employee benefits | $355,000 | 5,398 |
| Premises and equipment expense | $183,000 | 3,224 |
| Additional noninterest expense | $267,000 | 4,263 |
| Pre-tax net operating income | $236,000 | 5,492 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $24,000 | 5,226 |
| Income before extraordinary items | $212,000 | 5,226 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $212,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $125,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $212,000 | 5,220 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,948,000 | 4,620 |
| Total interest expense | $2,367,000 | 3,965 |
| Net interest income | $3,581,000 | 4,951 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $573,000 | 4,910 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $458,000 | 3,237 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $115,000 | 6,187 |
| Total noninterest expense | $3,140,000 | 4,619 |
| Salaries and employee benefits | $1,423,000 | 5,224 |
| Premises and equipment expense | $839,000 | 2,773 |
| Additional noninterest expense | $878,000 | 4,856 |
| Pre-tax net operating income | $1,014,000 | 5,329 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $185,000 | 4,764 |
| Income before extraordinary items | $831,000 | 5,257 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $831,000 | 5,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $880,000 | 2,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $829,360 | 5,236 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,433,000 | 4,610 |
| Total interest expense | $1,743,000 | 3,889 |
| Net interest income | $2,690,000 | 4,972 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $430,000 | 4,942 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $340,000 | 3,275 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $90,000 | 6,109 |
| Total noninterest expense | $2,361,000 | 4,598 |
| Salaries and employee benefits | $1,077,000 | 5,179 |
| Premises and equipment expense | $645,000 | 2,691 |
| Additional noninterest expense | $639,000 | 4,905 |
| Pre-tax net operating income | $759,000 | 5,463 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $121,000 | 5,053 |
| Income before extraordinary items | $640,000 | 5,302 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $640,000 | 5,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $752,000 | 2,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $638,320 | 5,272 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,957,000 | 4,551 |
| Total interest expense | $1,142,000 | 3,763 |
| Net interest income | $1,815,000 | 4,919 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $283,000 | 4,939 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $217,000 | 3,317 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $66,000 | 5,981 |
| Total noninterest expense | $1,584,000 | 4,562 |
| Salaries and employee benefits | $720,000 | 5,152 |
| Premises and equipment expense | $439,000 | 2,611 |
| Additional noninterest expense | $425,000 | 4,895 |
| Pre-tax net operating income | $514,000 | 5,422 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $60,000 | 5,354 |
| Income before extraordinary items | $456,000 | 5,121 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $456,000 | 5,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $202,000 | 3,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $454,240 | 5,080 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,470,000 | 4,557 |
| Total interest expense | $566,000 | 3,676 |
| Net interest income | $904,000 | 4,944 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $138,000 | 4,920 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $104,000 | 3,348 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,945 |
| Total noninterest expense | $816,000 | 4,498 |
| Salaries and employee benefits | $378,000 | 5,021 |
| Premises and equipment expense | $220,000 | 2,640 |
| Additional noninterest expense | $218,000 | 4,792 |
| Pre-tax net operating income | $226,000 | 5,685 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-12,000 | 8,709 |
| Income before extraordinary items | $238,000 | 4,983 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $238,000 | 4,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $99,000 | 3,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $238,000 | 4,944 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,177,000 | 4,725 |
| Total interest expense | $1,762,000 | 4,037 |
| Net interest income | $3,415,000 | 4,987 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $570,000 | 4,946 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $468,000 | 3,291 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $102,000 | 6,384 |
| Total noninterest expense | $3,449,000 | 4,229 |
| Salaries and employee benefits | $1,769,000 | 4,394 |
| Premises and equipment expense | $910,000 | 2,501 |
| Additional noninterest expense | $770,000 | 5,220 |
| Pre-tax net operating income | $536,000 | 6,601 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $118,000 | 5,349 |
| Income before extraordinary items | $418,000 | 6,681 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $418,000 | 6,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $758,000 | 2,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $418,000 | 6,623 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,760,000 | 4,822 |
| Total interest expense | $1,247,000 | 4,154 |
| Net interest income | $2,513,000 | 5,046 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $422,000 | 5,010 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $346,000 | 3,340 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $76,000 | 6,394 |
| Total noninterest expense | $2,694,000 | 4,064 |
| Salaries and employee benefits | $1,360,000 | 4,289 |
| Premises and equipment expense | $727,000 | 2,352 |
| Additional noninterest expense | $607,000 | 5,010 |
| Pre-tax net operating income | $241,000 | 7,498 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $44,000 | 6,050 |
| Income before extraordinary items | $197,000 | 7,499 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $197,000 | 7,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $279,000 | 3,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $197,000 | 7,438 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,464,000 | 4,888 |
| Total interest expense | $808,000 | 4,255 |
| Net interest income | $1,656,000 | 5,085 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $283,000 | 4,967 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $231,000 | 3,319 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $52,000 | 6,365 |
| Total noninterest expense | $1,758,000 | 4,148 |
| Salaries and employee benefits | $931,000 | 4,207 |
| Premises and equipment expense | $487,000 | 2,345 |
| Additional noninterest expense | $340,000 | 5,600 |
| Pre-tax net operating income | $181,000 | 7,329 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $45,000 | 5,735 |
| Income before extraordinary items | $136,000 | 7,454 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $136,000 | 7,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $187,000 | 3,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $136,000 | 7,384 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,249,000 | 4,869 |
| Total interest expense | $398,000 | 4,354 |
| Net interest income | $851,000 | 4,993 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $138,000 | 4,988 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $111,000 | 3,331 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $27,000 | 6,301 |
| Total noninterest expense | $896,000 | 4,106 |
| Salaries and employee benefits | $484,000 | 4,114 |
| Premises and equipment expense | $242,000 | 2,382 |
| Additional noninterest expense | $170,000 | 5,605 |
| Pre-tax net operating income | $93,000 | 7,257 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $23,000 | 5,671 |
| Income before extraordinary items | $70,000 | 7,410 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $70,000 | 7,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $70,000 | 3,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $70,000 | 7,329 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,878,000 | 4,978 |
| Total interest expense | $1,694,000 | 4,529 |
| Net interest income | $3,184,000 | 5,117 |
| Provision for loan and lease losses | $19,000 | 7,126 |
| Total noninterest income | $659,000 | 4,716 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $518,000 | 3,005 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $141,000 | 5,934 |
| Total noninterest expense | $3,291,000 | 4,328 |
| Salaries and employee benefits | $1,785,000 | 4,291 |
| Premises and equipment expense | $884,000 | 2,529 |
| Additional noninterest expense | $622,000 | 5,865 |
| Pre-tax net operating income | $533,000 | 6,560 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $133,000 | 5,419 |
| Income before extraordinary items | $400,000 | 6,817 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $400,000 | 6,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,883 |
| Cash dividends | $256,000 | 4,605 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $400,000 | 6,658 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,627,000 | 5,063 |
| Total interest expense | $1,300,000 | 4,574 |
| Net interest income | $2,327,000 | 5,224 |
| Provision for loan and lease losses | $19,000 | 6,815 |
| Total noninterest income | $498,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $398,000 | 2,958 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $100,000 | 6,083 |
| Total noninterest expense | $2,451,000 | 4,336 |
| Salaries and employee benefits | $1,330,000 | 4,299 |
| Premises and equipment expense | $649,000 | 2,582 |
| Additional noninterest expense | $472,000 | 5,819 |
| Pre-tax net operating income | $355,000 | 6,930 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $89,000 | 5,697 |
| Income before extraordinary items | $266,000 | 7,148 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $266,000 | 7,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $201,000 | 4,000 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $266,000 | 6,987 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,424,000 | 5,088 |
| Total interest expense | $877,000 | 4,653 |
| Net interest income | $1,547,000 | 5,245 |
| Provision for loan and lease losses | $19,000 | 6,381 |
| Total noninterest income | $325,000 | 4,780 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $254,000 | 3,031 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $71,000 | 5,964 |
| Total noninterest expense | $1,582,000 | 4,413 |
| Salaries and employee benefits | $868,000 | 4,359 |
| Premises and equipment expense | $402,000 | 2,751 |
| Additional noninterest expense | $312,000 | 5,848 |
| Pre-tax net operating income | $271,000 | 6,695 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $68,000 | 5,588 |
| Income before extraordinary items | $203,000 | 6,941 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $203,000 | 6,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $125,000 | 4,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $203,000 | 6,746 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,191,000 | 5,186 |
| Total interest expense | $447,000 | 4,689 |
| Net interest income | $744,000 | 5,344 |
| Provision for loan and lease losses | $19,000 | 5,348 |
| Total noninterest income | $159,000 | 4,741 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $126,000 | 2,979 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $33,000 | 6,044 |
| Total noninterest expense | $764,000 | 4,509 |
| Salaries and employee benefits | $421,000 | 4,463 |
| Premises and equipment expense | $198,000 | 2,780 |
| Additional noninterest expense | $145,000 | 6,052 |
| Pre-tax net operating income | $120,000 | 6,900 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $30,000 | 5,719 |
| Income before extraordinary items | $90,000 | 7,087 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $90,000 | 7,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $65,000 | 3,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $90,000 | 6,937 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,355,000 | 4,931 |
| Total interest expense | $2,385,000 | 4,257 |
| Net interest income | $2,970,000 | 5,315 |
| Provision for loan and lease losses | $46,000 | 6,809 |
| Total noninterest income | $669,000 | 4,453 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $476,000 | 3,101 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $193,000 | 5,108 |
| Total noninterest expense | $2,946,000 | 4,525 |
| Salaries and employee benefits | $1,578,000 | 4,494 |
| Premises and equipment expense | $820,000 | 2,626 |
| Additional noninterest expense | $548,000 | 6,236 |
| Pre-tax net operating income | $647,000 | 6,263 |
| Securities gains (losses) | $7,000 | 3,799 |
| Applicable income taxes | $86,000 | 6,105 |
| Income before extraordinary items | $568,000 | 6,106 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $568,000 | 6,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $260,000 | 4,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $561,910 | 5,982 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,142,000 | 5,524 |
| Total interest expense | $2,407,000 | 5,511 |
| Net interest income | $2,735,000 | 5,397 |
| Provision for loan and lease losses | $75,000 | 6,076 |
| Total noninterest income | $604,000 | 4,565 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $467,000 | 3,001 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $137,000 | 5,711 |
| Total noninterest expense | $2,735,000 | 4,651 |
| Salaries and employee benefits | $1,464,000 | 4,605 |
| Premises and equipment expense | $775,000 | 2,713 |
| Additional noninterest expense | $496,000 | 6,462 |
| Pre-tax net operating income | $529,000 | 6,446 |
| Securities gains (losses) | $77,000 | 1,979 |
| Applicable income taxes | $91,000 | 6,115 |
| Income before extraordinary items | $515,000 | 5,991 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $515,000 | 5,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,448 |
| Cash dividends | $342,000 | 4,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $449,550 | 6,195 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,992,000 | 5,738 |
| Total interest expense | $2,243,000 | 5,913 |
| Net interest income | $2,749,000 | 5,469 |
| Provision for loan and lease losses | $10,000 | 7,963 |
| Total noninterest income | $511,000 | 4,874 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $433,000 | 3,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 6,963 |
| Total noninterest expense | $2,765,000 | 4,510 |
| Salaries and employee benefits | $1,413,000 | 4,582 |
| Premises and equipment expense | $817,000 | 2,520 |
| Additional noninterest expense | $535,000 | 6,165 |
| Pre-tax net operating income | $485,000 | 7,068 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-25,000 | 9,397 |
| Income before extraordinary items | $510,000 | 6,258 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $510,000 | 6,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,551 |
| Cash dividends | $112,000 | 5,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $510,000 | 6,283 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,517,000 | 9,052 |
| Total interest expense | $640,000 | 9,105 |
| Net interest income | $877,000 | 8,894 |
| Provision for loan and lease losses | $-25,000 | 10,020 |
| Total noninterest income | $195,000 | 7,554 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 5,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,625 |
| Total noninterest expense | $943,000 | 8,287 |
| Salaries and employee benefits | $496,000 | 8,359 |
| Premises and equipment expense | $260,000 | 5,916 |
| Additional noninterest expense | $187,000 | 9,157 |
| Pre-tax net operating income | $154,000 | 8,788 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $55,000 | 7,567 |
| Income before extraordinary items | $99,000 | 8,974 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $99,000 | 8,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,212 |
| Cash dividends | $46,000 | 6,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $99,000 | 8,940 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,964,000 | 6,510 |
| Total interest expense | $1,629,000 | 6,919 |
| Net interest income | $2,335,000 | 6,087 |
| Provision for loan and lease losses | $112,000 | 4,884 |
| Total noninterest income | $554,000 | 4,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $489,000 | 2,603 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 7,637 |
| Total noninterest expense | $2,831,000 | 4,338 |
| Salaries and employee benefits | $1,333,000 | 4,672 |
| Premises and equipment expense | $696,000 | 2,781 |
| Additional noninterest expense | $802,000 | 4,671 |
| Pre-tax net operating income | $-54,000 | 9,871 |
| Securities gains (losses) | $-8,000 | 10,162 |
| Applicable income taxes | $43,000 | 8,450 |
| Income before extraordinary items | $-105,000 | 9,961 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-105,000 | 9,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,378 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-97,000 | 9,916 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,039,000 | 7,713 |
| Total interest expense | $1,027,000 | 8,606 |
| Net interest income | $2,012,000 | 6,894 |
| Provision for loan and lease losses | $53,000 | 6,553 |
| Total noninterest income | $549,000 | 4,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $487,000 | 2,692 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,946 |
| Total noninterest expense | $2,342,000 | 5,036 |
| Salaries and employee benefits | $1,178,000 | 5,181 |
| Premises and equipment expense | $493,000 | 3,756 |
| Additional noninterest expense | $671,000 | 5,383 |
| Pre-tax net operating income | $166,000 | 9,756 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $38,000 | 9,437 |
| Income before extraordinary items | $128,000 | 9,776 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $128,000 | 9,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 536 |
| Net operating income | $128,000 | 9,730 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,623,000 | 7,247 |
| Total interest expense | $1,710,000 | 7,057 |
| Net interest income | $1,913,000 | 7,326 |
| Provision for loan and lease losses | $192,000 | 3,515 |
| Total noninterest income | $612,000 | 4,519 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $533,000 | 2,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,772 |
| Total noninterest expense | $2,133,000 | 5,671 |
| Salaries and employee benefits | $1,014,000 | 5,927 |
| Premises and equipment expense | $455,000 | 4,071 |
| Additional noninterest expense | $664,000 | 5,947 |
| Pre-tax net operating income | $200,000 | 9,792 |
| Securities gains (losses) | $-300,000 | 11,341 |
| Applicable income taxes | $-122,000 | 11,200 |
| Income before extraordinary items | $22,000 | 10,731 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $22,000 | 10,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,674 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $214,000 | 9,116 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,641,000 | 7,377 |
| Total interest expense | $1,919,000 | 6,649 |
| Net interest income | $1,722,000 | 7,960 |
| Provision for loan and lease losses | $23,000 | 7,541 |
| Total noninterest income | $557,000 | 4,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $485,000 | 2,797 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,274 |
| Total noninterest expense | $1,935,000 | 6,140 |
| Salaries and employee benefits | $999,000 | 6,073 |
| Premises and equipment expense | $380,000 | 4,742 |
| Additional noninterest expense | $556,000 | 6,806 |
| Pre-tax net operating income | $321,000 | 9,598 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-20,000 | 11,556 |
| Income before extraordinary items | $341,000 | 8,560 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $341,000 | 8,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 455 |
| Net operating income | $341,000 | 8,530 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,969,000 | 9,855 |
| Total interest expense | $735,000 | 9,901 |
| Net interest income | $1,234,000 | 9,661 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $559,000 | 4,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $474,000 | 2,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $1,672,000 | 7,063 |
| Salaries and employee benefits | $822,000 | 7,077 |
| Premises and equipment expense | $285,000 | 5,938 |
| Additional noninterest expense | $565,000 | 7,294 |
| Pre-tax net operating income | $121,000 | 11,487 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $-150,000 | 12,353 |
| Income before extraordinary items | $273,000 | 9,453 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $273,000 | 9,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 476 |
| Net operating income | $271,000 | 9,524 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,554,000 | 11,109 |
| Total interest expense | $573,000 | 11,303 |
| Net interest income | $981,000 | 10,853 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $581,000 | 5,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $490,000 | 2,853 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,188 |
| Total noninterest expense | $1,878,000 | 6,681 |
| Salaries and employee benefits | $781,000 | 7,437 |
| Premises and equipment expense | $258,000 | 6,546 |
| Additional noninterest expense | $839,000 | 5,691 |
| Pre-tax net operating income | $-316,000 | 12,775 |
| Securities gains (losses) | $123,000 | 2,217 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-193,000 | 12,753 |
| Extraordinary gains, net | $451,000 | 514 |
| Net income | $258,000 | 10,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-316,000 | 12,764 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,600,000 | 11,730 |
| Total interest expense | $663,000 | 11,998 |
| Net interest income | $937,000 | 11,352 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $558,000 | 5,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $470,000 | 2,970 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 8,520 |
| Total noninterest expense | $1,465,000 | 8,045 |
| Salaries and employee benefits | $692,000 | 8,051 |
| Premises and equipment expense | $296,000 | 6,033 |
| Additional noninterest expense | $477,000 | 8,672 |
| Pre-tax net operating income | $30,000 | 12,535 |
| Securities gains (losses) | $40,000 | 4,499 |
| Applicable income taxes | $13,000 | 12,284 |
| Income before extraordinary items | $57,000 | 12,492 |
| Extraordinary gains, net | $13,000 | 1,300 |
| Net income | $70,000 | 12,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $24,600 | 12,513 |
* 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.