Home > Langford State Bank > Income and Expense
Langford State Bank, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $312,000 | 8,313 |
| Total interest expense | $73,000 | 8,306 |
| Net interest income | $239,000 | 8,250 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $8,000 | 8,173 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $7,000 | 7,210 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,000 | 8,142 |
| Total noninterest expense | $185,000 | 8,346 |
| Salaries and employee benefits | $130,000 | 8,270 |
| Premises and equipment expense | $22,000 | 8,222 |
| Additional noninterest expense | $33,000 | 8,403 |
| Pre-tax net operating income | $62,000 | 6,615 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $15,000 | 4,827 |
| Income before extraordinary items | $47,000 | 6,715 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $47,000 | 6,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $60,000 | 4,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $47,000 | 6,652 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $161,000 | 8,356 |
| Total interest expense | $38,000 | 8,350 |
| Net interest income | $123,000 | 8,294 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $4,000 | 8,219 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $3,000 | 7,255 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 8,110 |
| Total noninterest expense | $88,000 | 8,398 |
| Salaries and employee benefits | $59,000 | 8,346 |
| Premises and equipment expense | $12,000 | 8,206 |
| Additional noninterest expense | $17,000 | 8,437 |
| Pre-tax net operating income | $39,000 | 6,737 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $7,000 | 4,983 |
| Income before extraordinary items | $32,000 | 6,839 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $32,000 | 6,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $20,000 | 3,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $32,000 | 6,750 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $669,000 | 8,333 |
| Total interest expense | $169,000 | 8,331 |
| Net interest income | $500,000 | 8,279 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $17,000 | 8,258 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $15,000 | 7,235 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,000 | 8,265 |
| Total noninterest expense | $358,000 | 8,447 |
| Salaries and employee benefits | $244,000 | 8,373 |
| Premises and equipment expense | $40,000 | 8,332 |
| Additional noninterest expense | $74,000 | 8,469 |
| Pre-tax net operating income | $159,000 | 6,976 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $49,000 | 4,942 |
| Income before extraordinary items | $110,000 | 7,098 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $110,000 | 7,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,761 |
| Cash dividends | $20,000 | 5,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $110,000 | 7,070 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $501,000 | 8,382 |
| Total interest expense | $128,000 | 8,370 |
| Net interest income | $373,000 | 8,326 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $13,000 | 8,317 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $11,000 | 7,266 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,000 | 8,302 |
| Total noninterest expense | $256,000 | 8,464 |
| Salaries and employee benefits | $173,000 | 8,382 |
| Premises and equipment expense | $30,000 | 8,323 |
| Additional noninterest expense | $53,000 | 8,500 |
| Pre-tax net operating income | $130,000 | 7,210 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $38,000 | 5,126 |
| Income before extraordinary items | $92,000 | 7,310 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $92,000 | 7,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,536 |
| Cash dividends | $20,000 | 5,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $92,000 | 7,294 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $333,000 | 8,455 |
| Total interest expense | $84,000 | 8,433 |
| Net interest income | $249,000 | 8,395 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $9,000 | 8,377 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $8,000 | 7,273 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,000 | 8,368 |
| Total noninterest expense | $168,000 | 8,519 |
| Salaries and employee benefits | $114,000 | 8,447 |
| Premises and equipment expense | $21,000 | 8,351 |
| Additional noninterest expense | $33,000 | 8,563 |
| Pre-tax net operating income | $90,000 | 7,303 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $25,000 | 5,215 |
| Income before extraordinary items | $65,000 | 7,371 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $65,000 | 7,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $20,000 | 4,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $65,000 | 7,361 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $167,000 | 8,514 |
| Total interest expense | $40,000 | 8,491 |
| Net interest income | $127,000 | 8,448 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $4,000 | 8,418 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $3,000 | 7,373 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $85,000 | 8,552 |
| Salaries and employee benefits | $59,000 | 8,477 |
| Premises and equipment expense | $10,000 | 8,392 |
| Additional noninterest expense | $16,000 | 8,597 |
| Pre-tax net operating income | $46,000 | 7,339 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $11,000 | 5,272 |
| Income before extraordinary items | $35,000 | 7,380 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $35,000 | 7,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $20,000 | 3,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $35,000 | 7,369 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $638,000 | 8,482 |
| Total interest expense | $141,000 | 8,492 |
| Net interest income | $497,000 | 8,406 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $17,000 | 8,435 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $15,000 | 7,347 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,463 |
| Total noninterest expense | $340,000 | 8,585 |
| Salaries and employee benefits | $238,000 | 8,492 |
| Premises and equipment expense | $35,000 | 8,489 |
| Additional noninterest expense | $67,000 | 8,623 |
| Pre-tax net operating income | $174,000 | 7,490 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $52,000 | 5,422 |
| Income before extraordinary items | $122,000 | 7,592 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $122,000 | 7,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,051 |
| Cash dividends | $10,000 | 5,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $122,000 | 7,587 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $470,000 | 8,548 |
| Total interest expense | $103,000 | 8,550 |
| Net interest income | $367,000 | 8,487 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $13,000 | 8,521 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $11,000 | 7,422 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,526 |
| Total noninterest expense | $246,000 | 8,647 |
| Salaries and employee benefits | $169,000 | 8,555 |
| Premises and equipment expense | $28,000 | 8,531 |
| Additional noninterest expense | $49,000 | 8,684 |
| Pre-tax net operating income | $134,000 | 7,697 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $41,000 | 5,554 |
| Income before extraordinary items | $93,000 | 7,760 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $93,000 | 7,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $10,000 | 5,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $93,000 | 7,761 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $309,000 | 8,604 |
| Total interest expense | $67,000 | 8,598 |
| Net interest income | $242,000 | 8,550 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $8,000 | 8,574 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $7,000 | 7,483 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,582 |
| Total noninterest expense | $163,000 | 8,692 |
| Salaries and employee benefits | $112,000 | 8,607 |
| Premises and equipment expense | $18,000 | 8,572 |
| Additional noninterest expense | $33,000 | 8,720 |
| Pre-tax net operating income | $87,000 | 7,767 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $22,000 | 5,757 |
| Income before extraordinary items | $65,000 | 7,799 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $65,000 | 7,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $10,000 | 5,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $65,000 | 7,801 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $154,000 | 8,634 |
| Total interest expense | $32,000 | 8,618 |
| Net interest income | $122,000 | 8,572 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $4,000 | 8,590 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,000 | 7,527 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $83,000 | 8,694 |
| Salaries and employee benefits | $55,000 | 8,625 |
| Premises and equipment expense | $9,000 | 8,564 |
| Additional noninterest expense | $19,000 | 8,711 |
| Pre-tax net operating income | $43,000 | 7,783 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $10,000 | 5,755 |
| Income before extraordinary items | $33,000 | 7,789 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $33,000 | 7,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $10,000 | 3,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $33,000 | 7,786 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $521,000 | 8,627 |
| Total interest expense | $96,000 | 8,628 |
| Net interest income | $425,000 | 8,583 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $20,000 | 8,602 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $17,000 | 7,513 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,000 | 8,603 |
| Total noninterest expense | $352,000 | 8,715 |
| Salaries and employee benefits | $251,000 | 8,600 |
| Premises and equipment expense | $37,000 | 8,620 |
| Additional noninterest expense | $64,000 | 8,779 |
| Pre-tax net operating income | $93,000 | 8,018 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $16,000 | 6,396 |
| Income before extraordinary items | $77,000 | 8,040 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $77,000 | 8,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,178 |
| Cash dividends | $10,000 | 6,004 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $77,000 | 8,012 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $379,000 | 8,683 |
| Total interest expense | $68,000 | 8,686 |
| Net interest income | $311,000 | 8,646 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $15,000 | 8,663 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,654 |
| Total noninterest expense | $260,000 | 8,727 |
| Salaries and employee benefits | $184,000 | 8,610 |
| Premises and equipment expense | $26,000 | 8,639 |
| Additional noninterest expense | $50,000 | 8,791 |
| Pre-tax net operating income | $66,000 | 8,129 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $14,000 | 6,425 |
| Income before extraordinary items | $52,000 | 8,176 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $52,000 | 8,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $10,000 | 5,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $52,000 | 8,145 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $248,000 | 8,694 |
| Total interest expense | $44,000 | 8,696 |
| Net interest income | $204,000 | 8,659 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $9,000 | 8,680 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $8,000 | 7,585 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,000 | 8,662 |
| Total noninterest expense | $172,000 | 8,739 |
| Salaries and employee benefits | $123,000 | 8,621 |
| Premises and equipment expense | $17,000 | 8,642 |
| Additional noninterest expense | $32,000 | 8,804 |
| Pre-tax net operating income | $41,000 | 8,175 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $8,000 | 6,480 |
| Income before extraordinary items | $33,000 | 8,211 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $33,000 | 8,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $10,000 | 5,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $33,000 | 8,177 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $121,000 | 8,781 |
| Total interest expense | $20,000 | 8,775 |
| Net interest income | $101,000 | 8,742 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $4,000 | 8,750 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $88,000 | 8,801 |
| Salaries and employee benefits | $62,000 | 8,677 |
| Premises and equipment expense | $8,000 | 8,706 |
| Additional noninterest expense | $18,000 | 8,845 |
| Pre-tax net operating income | $17,000 | 8,284 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $14,000 | 8,310 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $14,000 | 8,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $10,000 | 3,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $14,000 | 8,283 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $480,000 | 8,768 |
| Total interest expense | $72,000 | 8,792 |
| Net interest income | $408,000 | 8,723 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $18,000 | 8,790 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $15,000 | 7,722 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,000 | 8,748 |
| Total noninterest expense | $353,000 | 8,836 |
| Salaries and employee benefits | $265,000 | 8,692 |
| Premises and equipment expense | $30,000 | 8,806 |
| Additional noninterest expense | $58,000 | 8,918 |
| Pre-tax net operating income | $73,000 | 8,184 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $18,000 | 6,584 |
| Income before extraordinary items | $55,000 | 8,263 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $55,000 | 8,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,390 |
| Cash dividends | $10,000 | 6,100 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $55,000 | 8,219 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $360,000 | 8,820 |
| Total interest expense | $54,000 | 8,850 |
| Net interest income | $306,000 | 8,777 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $14,000 | 8,853 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $12,000 | 7,761 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,821 |
| Total noninterest expense | $266,000 | 8,871 |
| Salaries and employee benefits | $199,000 | 8,710 |
| Premises and equipment expense | $23,000 | 8,831 |
| Additional noninterest expense | $44,000 | 8,962 |
| Pre-tax net operating income | $54,000 | 8,293 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $11,000 | 6,758 |
| Income before extraordinary items | $43,000 | 8,345 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $43,000 | 8,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $10,000 | 5,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $43,000 | 8,302 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $243,000 | 8,878 |
| Total interest expense | $37,000 | 8,901 |
| Net interest income | $206,000 | 8,842 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $10,000 | 8,900 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $8,000 | 7,803 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $181,000 | 8,923 |
| Salaries and employee benefits | $139,000 | 8,738 |
| Premises and equipment expense | $14,000 | 8,907 |
| Additional noninterest expense | $28,000 | 9,018 |
| Pre-tax net operating income | $35,000 | 8,324 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $7,000 | 6,787 |
| Income before extraordinary items | $28,000 | 8,399 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $28,000 | 8,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $10,000 | 5,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $28,000 | 8,333 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $126,000 | 8,923 |
| Total interest expense | $19,000 | 8,948 |
| Net interest income | $107,000 | 8,864 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $6,000 | 8,907 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $5,000 | 7,776 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $91,000 | 8,955 |
| Salaries and employee benefits | $69,000 | 8,785 |
| Premises and equipment expense | $6,000 | 8,944 |
| Additional noninterest expense | $16,000 | 9,046 |
| Pre-tax net operating income | $22,000 | 8,293 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $19,000 | 8,342 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $19,000 | 8,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $10,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $19,000 | 8,278 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $490,000 | 8,955 |
| Total interest expense | $114,000 | 8,931 |
| Net interest income | $376,000 | 8,928 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $19,000 | 9,014 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $16,000 | 7,874 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,000 | 8,956 |
| Total noninterest expense | $369,000 | 9,010 |
| Salaries and employee benefits | $278,000 | 8,820 |
| Premises and equipment expense | $28,000 | 9,018 |
| Additional noninterest expense | $63,000 | 9,106 |
| Pre-tax net operating income | $26,000 | 8,452 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $3,000 | 7,286 |
| Income before extraordinary items | $23,000 | 8,561 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $23,000 | 8,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,260 |
| Cash dividends | $10,000 | 6,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $23,000 | 8,465 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $360,000 | 9,047 |
| Total interest expense | $91,000 | 9,006 |
| Net interest income | $269,000 | 9,028 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $14,000 | 9,084 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $12,000 | 7,937 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 9,035 |
| Total noninterest expense | $278,000 | 9,055 |
| Salaries and employee benefits | $208,000 | 8,858 |
| Premises and equipment expense | $20,000 | 9,066 |
| Additional noninterest expense | $50,000 | 9,155 |
| Pre-tax net operating income | $5,000 | 8,609 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $4,000 | 8,705 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,000 | 8,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $10,000 | 5,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,000 | 8,610 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $247,000 | 9,080 |
| Total interest expense | $65,000 | 9,040 |
| Net interest income | $182,000 | 9,060 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $9,000 | 9,120 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $8,000 | 7,962 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,000 | 9,074 |
| Total noninterest expense | $186,000 | 9,079 |
| Salaries and employee benefits | $139,000 | 8,884 |
| Premises and equipment expense | $15,000 | 9,055 |
| Additional noninterest expense | $32,000 | 9,190 |
| Pre-tax net operating income | $5,000 | 8,631 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $4,000 | 8,740 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,000 | 8,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $10,000 | 5,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,000 | 8,625 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $129,000 | 9,125 |
| Total interest expense | $34,000 | 9,087 |
| Net interest income | $95,000 | 9,084 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $5,000 | 9,143 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,983 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $93,000 | 9,119 |
| Salaries and employee benefits | $70,000 | 8,910 |
| Premises and equipment expense | $6,000 | 9,130 |
| Additional noninterest expense | $17,000 | 9,217 |
| Pre-tax net operating income | $7,000 | 8,613 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $6,000 | 8,683 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,000 | 8,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $10,000 | 3,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $6,000 | 8,578 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $533,000 | 9,156 |
| Total interest expense | $155,000 | 9,131 |
| Net interest income | $378,000 | 9,110 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $21,000 | 9,168 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $19,000 | 7,985 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 9,151 |
| Total noninterest expense | $367,000 | 9,175 |
| Salaries and employee benefits | $272,000 | 8,992 |
| Premises and equipment expense | $28,000 | 9,177 |
| Additional noninterest expense | $67,000 | 9,255 |
| Pre-tax net operating income | $32,000 | 8,535 |
| Securities gains (losses) | $39,000 | 2,625 |
| Applicable income taxes | $21,000 | 7,030 |
| Income before extraordinary items | $50,000 | 8,551 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $50,000 | 8,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,985 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $22,700 | 8,571 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $677,000 | 9,334 |
| Total interest expense | $256,000 | 9,334 |
| Net interest income | $421,000 | 9,290 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $24,000 | 9,394 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $21,000 | 8,109 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,000 | 9,387 |
| Total noninterest expense | $409,000 | 9,347 |
| Salaries and employee benefits | $305,000 | 9,041 |
| Premises and equipment expense | $34,000 | 9,367 |
| Additional noninterest expense | $70,000 | 9,505 |
| Pre-tax net operating income | $36,000 | 8,590 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $8,000 | 7,657 |
| Income before extraordinary items | $32,000 | 8,687 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $32,000 | 8,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,052 |
| Cash dividends | $30,000 | 6,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $28,800 | 8,609 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $761,000 | 9,557 |
| Total interest expense | $281,000 | 9,559 |
| Net interest income | $480,000 | 9,487 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $23,000 | 9,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 8,262 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 9,721 |
| Total noninterest expense | $427,000 | 9,538 |
| Salaries and employee benefits | $304,000 | 9,233 |
| Premises and equipment expense | $45,000 | 9,456 |
| Additional noninterest expense | $78,000 | 9,753 |
| Pre-tax net operating income | $76,000 | 8,886 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $11,000 | 8,049 |
| Income before extraordinary items | $63,000 | 8,909 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $63,000 | 8,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 9,312 |
| Cash dividends | $25,000 | 6,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $64,700 | 8,887 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $770,000 | 9,796 |
| Total interest expense | $289,000 | 9,810 |
| Net interest income | $481,000 | 9,718 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $29,000 | 9,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,370 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,039 |
| Total noninterest expense | $429,000 | 9,801 |
| Salaries and employee benefits | $304,000 | 9,445 |
| Premises and equipment expense | $45,000 | 9,724 |
| Additional noninterest expense | $80,000 | 10,047 |
| Pre-tax net operating income | $81,000 | 9,140 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $11,000 | 8,454 |
| Income before extraordinary items | $70,000 | 9,137 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $70,000 | 9,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $25,000 | 6,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $70,000 | 9,107 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $832,000 | 9,996 |
| Total interest expense | $329,000 | 10,009 |
| Net interest income | $503,000 | 9,917 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $31,000 | 10,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,551 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,282 |
| Total noninterest expense | $420,000 | 10,004 |
| Salaries and employee benefits | $313,000 | 9,553 |
| Premises and equipment expense | $29,000 | 10,190 |
| Additional noninterest expense | $78,000 | 10,275 |
| Pre-tax net operating income | $114,000 | 9,345 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $26,000 | 8,769 |
| Income before extraordinary items | $96,000 | 9,366 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $96,000 | 9,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $25,000 | 7,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $89,680 | 9,343 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $870,000 | 10,411 |
| Total interest expense | $347,000 | 10,437 |
| Net interest income | $523,000 | 10,333 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $36,000 | 10,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 8,861 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,761 |
| Total noninterest expense | $413,000 | 10,431 |
| Salaries and employee benefits | $297,000 | 9,974 |
| Premises and equipment expense | $46,000 | 10,292 |
| Additional noninterest expense | $70,000 | 10,751 |
| Pre-tax net operating income | $146,000 | 9,864 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $37,000 | 9,450 |
| Income before extraordinary items | $111,000 | 9,896 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $111,000 | 9,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,177 |
| Cash dividends | $25,000 | 7,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $109,500 | 9,863 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $912,000 | 10,921 |
| Total interest expense | $361,000 | 10,961 |
| Net interest income | $551,000 | 10,770 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $32,000 | 11,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 9,402 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 11,282 |
| Total noninterest expense | $388,000 | 10,998 |
| Salaries and employee benefits | $275,000 | 10,548 |
| Premises and equipment expense | $47,000 | 10,725 |
| Additional noninterest expense | $66,000 | 11,324 |
| Pre-tax net operating income | $195,000 | 9,815 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $64,000 | 9,435 |
| Income before extraordinary items | $135,000 | 9,934 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $135,000 | 9,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,529 |
| Cash dividends | $25,000 | 7,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $132,280 | 9,897 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $869,000 | 11,460 |
| Total interest expense | $349,000 | 11,482 |
| Net interest income | $520,000 | 11,355 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $22,000 | 11,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 10,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 11,841 |
| Total noninterest expense | $374,000 | 11,516 |
| Salaries and employee benefits | $264,000 | 11,058 |
| Premises and equipment expense | $37,000 | 11,447 |
| Additional noninterest expense | $73,000 | 11,801 |
| Pre-tax net operating income | $168,000 | 10,668 |
| Securities gains (losses) | $-39,000 | 11,026 |
| Applicable income taxes | $42,000 | 10,333 |
| Income before extraordinary items | $87,000 | 11,041 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $87,000 | 11,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $25,000 | 8,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $113,130 | 10,780 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $775,000 | 12,093 |
| Total interest expense | $288,000 | 12,074 |
| Net interest income | $487,000 | 12,048 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $21,000 | 12,374 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 10,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 12,349 |
| Total noninterest expense | $360,000 | 12,183 |
| Salaries and employee benefits | $245,000 | 11,710 |
| Premises and equipment expense | $23,000 | 12,384 |
| Additional noninterest expense | $92,000 | 12,357 |
| Pre-tax net operating income | $148,000 | 11,282 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $32,000 | 10,876 |
| Income before extraordinary items | $116,000 | 11,204 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $116,000 | 11,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,867 |
| Cash dividends | $25,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $116,000 | 11,254 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $878,000 | 12,531 |
| Total interest expense | $355,000 | 12,417 |
| Net interest income | $523,000 | 12,488 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $23,000 | 13,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 11,023 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 13,083 |
| Total noninterest expense | $419,000 | 12,561 |
| Salaries and employee benefits | $276,000 | 11,915 |
| Premises and equipment expense | $46,000 | 12,340 |
| Additional noninterest expense | $97,000 | 12,957 |
| Pre-tax net operating income | $127,000 | 11,656 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $37,000 | 11,224 |
| Income before extraordinary items | $93,000 | 11,860 |
| Extraordinary gains, net | $37,000 | 2,352 |
| Net income | $130,000 | 11,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 6,277 |
| Cash dividends | $23,000 | 8,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $90,840 | 11,708 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,015,000 | 12,996 |
| Total interest expense | $449,000 | 12,981 |
| Net interest income | $566,000 | 12,858 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $21,000 | 13,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 11,411 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 13,771 |
| Total noninterest expense | $441,000 | 12,961 |
| Salaries and employee benefits | $317,000 | 11,823 |
| Premises and equipment expense | $27,000 | 13,499 |
| Additional noninterest expense | $97,000 | 13,561 |
| Pre-tax net operating income | $146,000 | 11,570 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $49,000 | 11,284 |
| 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 | $-82,000 | 13,665 |
| Cash dividends | $20,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $99,560 | 11,657 |
* 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.