Home > International Bank > Income and Expense
International Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,340,000 | 5,064 |
| Total interest expense | $309,000 | 5,946 |
| Net interest income | $1,031,000 | 4,495 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $180,000 | 4,025 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $113,000 | 3,030 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $67,000 | 4,324 |
| Total noninterest expense | $650,000 | 5,589 |
| Salaries and employee benefits | $395,000 | 5,185 |
| Premises and equipment expense | $61,000 | 6,267 |
| Additional noninterest expense | $194,000 | 5,683 |
| Pre-tax net operating income | $531,000 | 2,264 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $187,000 | 1,530 |
| Income before extraordinary items | $344,000 | 2,855 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $344,000 | 2,855 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $344,000 | 2,856 |
| Net charge-offs | $1,000 | 5,564 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $344,000 | 2,721 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,706,000 | 5,077 |
| Total interest expense | $1,579,000 | 5,876 |
| Net interest income | $4,127,000 | 4,495 |
| Provision for loan and lease losses | $235,000 | 5,010 |
| Total noninterest income | $684,000 | 4,184 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $532,000 | 2,878 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $152,000 | 5,289 |
| Total noninterest expense | $2,643,000 | 5,487 |
| Salaries and employee benefits | $1,597,000 | 5,135 |
| Premises and equipment expense | $224,000 | 6,461 |
| Additional noninterest expense | $822,000 | 5,406 |
| Pre-tax net operating income | $1,933,000 | 2,520 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $680,000 | 1,553 |
| Income before extraordinary items | $1,253,000 | 2,830 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,253,000 | 2,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,620 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,253,000 | 2,974 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,386,000 | 5,082 |
| Total interest expense | $1,252,000 | 5,861 |
| Net interest income | $3,134,000 | 4,489 |
| Provision for loan and lease losses | $160,000 | 4,545 |
| Total noninterest income | $535,000 | 4,188 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $421,000 | 2,794 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $114,000 | 5,399 |
| Total noninterest expense | $1,980,000 | 5,488 |
| Salaries and employee benefits | $1,206,000 | 5,137 |
| Premises and equipment expense | $121,000 | 7,083 |
| Additional noninterest expense | $653,000 | 5,173 |
| Pre-tax net operating income | $1,529,000 | 2,804 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $582,000 | 1,719 |
| Income before extraordinary items | $947,000 | 3,220 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $947,000 | 3,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,860 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $947,000 | 3,359 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,889,000 | 5,183 |
| Total interest expense | $865,000 | 5,920 |
| Net interest income | $2,024,000 | 4,586 |
| Provision for loan and lease losses | $122,000 | 3,949 |
| Total noninterest income | $354,000 | 4,260 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $282,000 | 2,771 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $72,000 | 5,593 |
| Total noninterest expense | $1,302,000 | 5,561 |
| Salaries and employee benefits | $808,000 | 5,176 |
| Premises and equipment expense | $77,000 | 7,206 |
| Additional noninterest expense | $417,000 | 5,298 |
| Pre-tax net operating income | $954,000 | 3,042 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $333,000 | 2,078 |
| Income before extraordinary items | $621,000 | 3,567 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $621,000 | 3,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,644 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $621,000 | 3,513 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,454,000 | 5,272 |
| Total interest expense | $462,000 | 5,939 |
| Net interest income | $992,000 | 4,651 |
| Provision for loan and lease losses | $82,000 | 3,030 |
| Total noninterest income | $137,000 | 4,813 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $105,000 | 3,347 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $32,000 | 5,807 |
| Total noninterest expense | $641,000 | 5,623 |
| Salaries and employee benefits | $399,000 | 5,239 |
| Premises and equipment expense | $37,000 | 7,277 |
| Additional noninterest expense | $205,000 | 5,302 |
| Pre-tax net operating income | $406,000 | 3,515 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $140,000 | 2,404 |
| Income before extraordinary items | $266,000 | 4,073 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $266,000 | 4,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,346 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $266,000 | 3,979 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,379,000 | 5,519 |
| Total interest expense | $2,074,000 | 5,753 |
| Net interest income | $3,305,000 | 5,231 |
| Provision for loan and lease losses | $168,000 | 4,171 |
| Total noninterest income | $641,000 | 4,496 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $496,000 | 3,074 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $145,000 | 5,629 |
| Total noninterest expense | $2,368,000 | 5,766 |
| Salaries and employee benefits | $1,356,000 | 5,619 |
| Premises and equipment expense | $155,000 | 7,193 |
| Additional noninterest expense | $857,000 | 5,120 |
| Pre-tax net operating income | $1,410,000 | 4,009 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $475,000 | 2,803 |
| Income before extraordinary items | $935,000 | 4,460 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $935,000 | 4,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,621 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $935,000 | 4,455 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,842,000 | 5,677 |
| Total interest expense | $1,562,000 | 5,766 |
| Net interest income | $2,280,000 | 5,501 |
| Provision for loan and lease losses | $106,000 | 4,018 |
| Total noninterest income | $517,000 | 4,339 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $415,000 | 2,824 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $102,000 | 5,767 |
| Total noninterest expense | $1,724,000 | 5,812 |
| Salaries and employee benefits | $953,000 | 5,789 |
| Premises and equipment expense | $118,000 | 7,158 |
| Additional noninterest expense | $653,000 | 5,015 |
| Pre-tax net operating income | $967,000 | 4,431 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $322,000 | 3,109 |
| Income before extraordinary items | $645,000 | 4,870 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $645,000 | 4,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,441 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $645,000 | 4,858 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,484,000 | 5,789 |
| Total interest expense | $1,010,000 | 5,848 |
| Net interest income | $1,474,000 | 5,603 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $334,000 | 4,434 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $265,000 | 2,905 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $69,000 | 5,763 |
| Total noninterest expense | $1,019,000 | 6,205 |
| Salaries and employee benefits | $569,000 | 6,175 |
| Premises and equipment expense | $104,000 | 6,694 |
| Additional noninterest expense | $346,000 | 5,717 |
| Pre-tax net operating income | $729,000 | 4,230 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $239,000 | 3,033 |
| Income before extraordinary items | $490,000 | 4,589 |
| Extraordinary gains, net | $-20,000 | 8,601 |
| Net income | $470,000 | 4,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $490,000 | 4,586 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,156,000 | 5,974 |
| Total interest expense | $494,000 | 5,890 |
| Net interest income | $662,000 | 5,896 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $167,000 | 4,400 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $10,000 | 6,985 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $157,000 | 2,924 |
| Total noninterest expense | $438,000 | 6,619 |
| Salaries and employee benefits | $247,000 | 6,549 |
| Premises and equipment expense | $44,000 | 7,021 |
| Additional noninterest expense | $147,000 | 6,164 |
| Pre-tax net operating income | $361,000 | 4,242 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $121,000 | 3,019 |
| Income before extraordinary items | $240,000 | 4,657 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $240,000 | 4,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $240,000 | 4,643 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,914,000 | 6,176 |
| Total interest expense | $1,519,000 | 6,089 |
| Net interest income | $2,395,000 | 6,138 |
| Provision for loan and lease losses | $90,000 | 4,875 |
| Total noninterest income | $560,000 | 4,888 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $409,000 | 3,494 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $151,000 | 5,601 |
| Total noninterest expense | $1,521,000 | 6,855 |
| Salaries and employee benefits | $820,000 | 6,908 |
| Premises and equipment expense | $179,000 | 6,939 |
| Additional noninterest expense | $522,000 | 6,439 |
| Pre-tax net operating income | $1,344,000 | 4,536 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $465,000 | 3,241 |
| Income before extraordinary items | $879,000 | 5,000 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $879,000 | 5,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,001 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $879,000 | 4,992 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,768,000 | 6,332 |
| Total interest expense | $1,047,000 | 6,224 |
| Net interest income | $1,721,000 | 6,293 |
| Provision for loan and lease losses | $66,000 | 4,743 |
| Total noninterest income | $443,000 | 4,797 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $338,000 | 3,310 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $105,000 | 5,756 |
| Total noninterest expense | $1,137,000 | 6,873 |
| Salaries and employee benefits | $590,000 | 6,979 |
| Premises and equipment expense | $91,000 | 7,591 |
| Additional noninterest expense | $456,000 | 6,030 |
| Pre-tax net operating income | $961,000 | 4,798 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $337,000 | 3,428 |
| Income before extraordinary items | $624,000 | 5,265 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $624,000 | 5,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $624,000 | 5,253 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,770,000 | 6,427 |
| Total interest expense | $662,000 | 6,255 |
| Net interest income | $1,108,000 | 6,415 |
| Provision for loan and lease losses | $41,000 | 4,698 |
| Total noninterest income | $268,000 | 4,999 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $211,000 | 3,431 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,166 |
| Total noninterest expense | $745,000 | 6,953 |
| Salaries and employee benefits | $392,000 | 7,025 |
| Premises and equipment expense | $63,000 | 7,564 |
| Additional noninterest expense | $290,000 | 6,171 |
| Pre-tax net operating income | $590,000 | 5,034 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $207,000 | 3,569 |
| Income before extraordinary items | $383,000 | 5,480 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $383,000 | 5,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $383,000 | 5,474 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $843,000 | 6,517 |
| Total interest expense | $320,000 | 6,252 |
| Net interest income | $523,000 | 6,567 |
| Provision for loan and lease losses | $21,000 | 4,472 |
| Total noninterest income | $132,000 | 4,983 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $107,000 | 3,329 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,361 |
| Total noninterest expense | $370,000 | 6,972 |
| Salaries and employee benefits | $200,000 | 6,990 |
| Premises and equipment expense | $44,000 | 7,013 |
| Additional noninterest expense | $126,000 | 6,517 |
| Pre-tax net operating income | $264,000 | 5,254 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $86,000 | 3,799 |
| Income before extraordinary items | $178,000 | 5,585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $178,000 | 5,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $178,000 | 5,581 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,527,000 | 6,989 |
| Total interest expense | $675,000 | 7,113 |
| Net interest income | $1,852,000 | 6,825 |
| Provision for loan and lease losses | $95,000 | 4,915 |
| Total noninterest income | $415,000 | 5,640 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $319,000 | 4,042 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $96,000 | 6,467 |
| Total noninterest expense | $1,367,000 | 7,108 |
| Salaries and employee benefits | $612,000 | 7,585 |
| Premises and equipment expense | $112,000 | 7,731 |
| Additional noninterest expense | $643,000 | 5,831 |
| Pre-tax net operating income | $805,000 | 5,860 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $271,000 | 4,265 |
| Income before extraordinary items | $534,000 | 6,238 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $534,000 | 6,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,118 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $534,000 | 6,209 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,753,000 | 7,160 |
| Total interest expense | $444,000 | 7,304 |
| Net interest income | $1,309,000 | 7,004 |
| Provision for loan and lease losses | $61,000 | 4,938 |
| Total noninterest income | $267,000 | 6,022 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $26,000 | 7,351 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $241,000 | 4,195 |
| Total noninterest expense | $970,000 | 7,225 |
| Salaries and employee benefits | $501,000 | 7,365 |
| Premises and equipment expense | $136,000 | 6,922 |
| Additional noninterest expense | $333,000 | 6,857 |
| Pre-tax net operating income | $545,000 | 6,219 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $183,000 | 4,545 |
| Income before extraordinary items | $362,000 | 6,582 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $362,000 | 6,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $362,000 | 6,543 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,099,000 | 7,249 |
| Total interest expense | $273,000 | 7,359 |
| Net interest income | $826,000 | 7,110 |
| Provision for loan and lease losses | $35,000 | 5,026 |
| Total noninterest income | $184,000 | 5,922 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $18,000 | 7,341 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $166,000 | 4,101 |
| Total noninterest expense | $643,000 | 7,248 |
| Salaries and employee benefits | $327,000 | 7,413 |
| Premises and equipment expense | $91,000 | 6,894 |
| Additional noninterest expense | $225,000 | 6,824 |
| Pre-tax net operating income | $332,000 | 6,388 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $112,000 | 4,664 |
| Income before extraordinary items | $220,000 | 6,765 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $220,000 | 6,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $220,000 | 6,714 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $512,000 | 7,435 |
| Total interest expense | $128,000 | 7,447 |
| Net interest income | $384,000 | 7,347 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $83,000 | 6,080 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $74,000 | 4,342 |
| Total noninterest expense | $298,000 | 7,461 |
| Salaries and employee benefits | $155,000 | 7,590 |
| Premises and equipment expense | $45,000 | 6,980 |
| Additional noninterest expense | $98,000 | 7,182 |
| Pre-tax net operating income | $154,000 | 6,506 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $49,000 | 4,779 |
| Income before extraordinary items | $105,000 | 6,803 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $105,000 | 6,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $105,000 | 6,769 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,688,000 | 7,700 |
| Total interest expense | $351,000 | 7,869 |
| Net interest income | $1,337,000 | 7,549 |
| Provision for loan and lease losses | $67,000 | 5,546 |
| Total noninterest income | $295,000 | 6,442 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $35,000 | 7,494 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $260,000 | 4,547 |
| Total noninterest expense | $1,141,000 | 7,545 |
| Salaries and employee benefits | $583,000 | 7,723 |
| Premises and equipment expense | $176,000 | 7,018 |
| Additional noninterest expense | $382,000 | 7,227 |
| Pre-tax net operating income | $424,000 | 6,967 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $152,000 | 5,083 |
| Income before extraordinary items | $272,000 | 7,336 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $272,000 | 7,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,680 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $272,000 | 7,292 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,211,000 | 7,802 |
| Total interest expense | $247,000 | 7,994 |
| Net interest income | $964,000 | 7,649 |
| Provision for loan and lease losses | $35,000 | 5,873 |
| Total noninterest income | $212,000 | 6,570 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $26,000 | 7,549 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $186,000 | 4,650 |
| Total noninterest expense | $852,000 | 7,524 |
| Salaries and employee benefits | $445,000 | 7,636 |
| Premises and equipment expense | $128,000 | 7,075 |
| Additional noninterest expense | $279,000 | 7,254 |
| Pre-tax net operating income | $289,000 | 7,275 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $110,000 | 5,239 |
| Income before extraordinary items | $179,000 | 7,601 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $179,000 | 7,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $179,000 | 7,545 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $806,000 | 7,855 |
| Total interest expense | $153,000 | 8,171 |
| Net interest income | $653,000 | 7,649 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $157,000 | 6,366 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $17,000 | 7,603 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $140,000 | 4,440 |
| Total noninterest expense | $583,000 | 7,526 |
| Salaries and employee benefits | $305,000 | 7,629 |
| Premises and equipment expense | $79,000 | 7,252 |
| Additional noninterest expense | $199,000 | 7,136 |
| Pre-tax net operating income | $197,000 | 7,210 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $74,000 | 5,210 |
| Income before extraordinary items | $123,000 | 7,556 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $123,000 | 7,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $123,000 | 7,486 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $386,000 | 7,964 |
| Total interest expense | $72,000 | 8,313 |
| Net interest income | $314,000 | 7,753 |
| Provision for loan and lease losses | $23,000 | 4,653 |
| Total noninterest income | $73,000 | 6,491 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $8,000 | 7,614 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $65,000 | 4,579 |
| Total noninterest expense | $278,000 | 7,655 |
| Salaries and employee benefits | $152,000 | 7,665 |
| Premises and equipment expense | $39,000 | 7,313 |
| Additional noninterest expense | $87,000 | 7,462 |
| Pre-tax net operating income | $86,000 | 7,376 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $32,000 | 5,327 |
| Income before extraordinary items | $54,000 | 7,710 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $54,000 | 7,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $54,000 | 7,642 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,233,000 | 8,362 |
| Total interest expense | $224,000 | 8,677 |
| Net interest income | $1,009,000 | 8,086 |
| Provision for loan and lease losses | $76,000 | 5,707 |
| Total noninterest income | $200,000 | 7,356 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $28,000 | 7,743 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $172,000 | 5,582 |
| Total noninterest expense | $1,000,000 | 7,877 |
| Salaries and employee benefits | $484,000 | 8,143 |
| Premises and equipment expense | $78,000 | 8,368 |
| Additional noninterest expense | $438,000 | 6,916 |
| Pre-tax net operating income | $133,000 | 8,073 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $55,000 | 6,211 |
| Income before extraordinary items | $78,000 | 8,328 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $78,000 | 8,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,027 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $78,000 | 8,218 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $873,000 | 8,527 |
| Total interest expense | $159,000 | 8,814 |
| Net interest income | $714,000 | 8,246 |
| Provision for loan and lease losses | $61,000 | 5,492 |
| Total noninterest income | $139,000 | 7,517 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $21,000 | 7,816 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $118,000 | 5,763 |
| Total noninterest expense | $598,000 | 8,288 |
| Salaries and employee benefits | $331,000 | 8,288 |
| Premises and equipment expense | $51,000 | 8,542 |
| Additional noninterest expense | $216,000 | 7,855 |
| Pre-tax net operating income | $194,000 | 7,761 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $75,000 | 5,865 |
| Income before extraordinary items | $119,000 | 8,097 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $119,000 | 8,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $119,000 | 7,970 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $537,000 | 8,656 |
| Total interest expense | $100,000 | 8,901 |
| Net interest income | $437,000 | 8,404 |
| Provision for loan and lease losses | $29,000 | 5,996 |
| Total noninterest income | $72,000 | 7,929 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $13,000 | 7,851 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $59,000 | 6,287 |
| Total noninterest expense | $354,000 | 8,473 |
| Salaries and employee benefits | $202,000 | 8,448 |
| Premises and equipment expense | $33,000 | 8,592 |
| Additional noninterest expense | $119,000 | 8,182 |
| Pre-tax net operating income | $126,000 | 7,797 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $49,000 | 5,928 |
| Income before extraordinary items | $77,000 | 8,165 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $77,000 | 8,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $77,000 | 8,009 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $256,000 | 8,762 |
| Total interest expense | $50,000 | 8,969 |
| Net interest income | $206,000 | 8,526 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $37,000 | 7,862 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $7,000 | 7,830 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $30,000 | 6,231 |
| Total noninterest expense | $177,000 | 8,513 |
| Salaries and employee benefits | $96,000 | 8,543 |
| Premises and equipment expense | $16,000 | 8,615 |
| Additional noninterest expense | $65,000 | 8,081 |
| Pre-tax net operating income | $57,000 | 7,887 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $22,000 | 5,997 |
| Income before extraordinary items | $35,000 | 8,182 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $35,000 | 8,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $35,000 | 8,042 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $828,000 | 8,980 |
| Total interest expense | $161,000 | 9,124 |
| Net interest income | $667,000 | 8,789 |
| Provision for loan and lease losses | $67,000 | 6,354 |
| Total noninterest income | $120,000 | 8,162 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $21,000 | 7,965 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $99,000 | 6,467 |
| Total noninterest expense | $663,000 | 8,621 |
| Salaries and employee benefits | $330,000 | 8,773 |
| Premises and equipment expense | $83,000 | 8,400 |
| Additional noninterest expense | $250,000 | 8,173 |
| Pre-tax net operating income | $57,000 | 8,450 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $19,000 | 7,067 |
| Income before extraordinary items | $38,000 | 8,595 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $38,000 | 8,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,420 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $38,000 | 8,514 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $87,000 | 9,576 |
| Total interest expense | $29,000 | 9,521 |
| Net interest income | $58,000 | 9,574 |
| Provision for loan and lease losses | $40,000 | 6,926 |
| Total noninterest income | $8,000 | 9,492 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,000 | 8,358 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,000 | 9,281 |
| Total noninterest expense | $157,000 | 9,581 |
| Salaries and employee benefits | $83,000 | 9,566 |
| Premises and equipment expense | $24,000 | 9,458 |
| Additional noninterest expense | $50,000 | 9,551 |
| Pre-tax net operating income | $-131,000 | 8,897 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-45,000 | 9,146 |
| Income before extraordinary items | $-86,000 | 8,939 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-86,000 | 8,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 251 |
| Net operating income | $-86,000 | 8,881 |
* 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.