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Local Oklahoma Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$35,884,000	242
Total interest expense	$13,492,000	195
Net interest income	$22,392,000	279
Provision for loan and lease losses	$2,000,000	192
Total noninterest income	$8,426,000	276
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$5,644,000	107
Trading account gains and fees	$0	121
Additional Noninterest Income	$2,782,000	382
Total noninterest expense	$15,170,000	311
Salaries and employee benefits	$7,924,000	299
Premises and equipment expense	$3,012,000	226
Additional noninterest expense	$4,234,000	353
Pre-tax net operating income	$13,648,000	243
Securities gains (losses)	$0	2,934
Applicable income taxes	$4,564,000	249
Income before extraordinary items	$9,084,000	255
Extraordinary gains, net	$0	16
Net income	$9,084,000	256
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$418,000	478
Cash dividends	$2,000,000	367
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$9,084,000	240
2003-12-31 (YTD Data)		Rank
Total interest income	$153,096,000	232
Total interest expense	$59,109,000	193
Net interest income	$93,987,000	252
Provision for loan and lease losses	$6,600,000	275
Total noninterest income	$30,673,000	300
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$21,815,000	115
Trading account gains and fees	$0	160
Additional Noninterest Income	$8,858,000	493
Total noninterest expense	$71,379,000	283
Salaries and employee benefits	$43,140,000	219
Premises and equipment expense	$10,902,000	247
Additional noninterest expense	$17,337,000	366
Pre-tax net operating income	$46,681,000	254
Securities gains (losses)	$319,000	1,012
Applicable income taxes	$13,785,000	294
Income before extraordinary items	$33,215,000	266
Extraordinary gains, net	$0	54
Net income	$33,215,000	267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,734,000	250
Cash dividends	$24,500,000	200
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$32,988,510	247
2003-09-30 (YTD Data)		Rank
Total interest income	$115,593,000	237
Total interest expense	$45,065,000	199
Net interest income	$70,528,000	257
Provision for loan and lease losses	$5,100,000	274
Total noninterest income	$23,150,000	308
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$16,285,000	118
Trading account gains and fees	$0	153
Additional Noninterest Income	$6,865,000	508
Total noninterest expense	$51,834,000	292
Salaries and employee benefits	$31,714,000	226
Premises and equipment expense	$8,016,000	259
Additional noninterest expense	$12,104,000	399
Pre-tax net operating income	$36,744,000	255
Securities gains (losses)	$244,000	1,102
Applicable income taxes	$12,052,000	277
Income before extraordinary items	$24,936,000	271
Extraordinary gains, net	$0	40
Net income	$24,936,000	271
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,274,000	257
Cash dividends	$24,500,000	169
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$24,772,520	252
2003-06-30 (YTD Data)		Rank
Total interest income	$78,163,000	237
Total interest expense	$30,414,000	201
Net interest income	$47,749,000	256
Provision for loan and lease losses	$3,600,000	258
Total noninterest income	$15,312,000	311
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$10,604,000	119
Trading account gains and fees	$0	150
Additional Noninterest Income	$4,708,000	492
Total noninterest expense	$34,140,000	295
Salaries and employee benefits	$19,903,000	245
Premises and equipment expense	$5,362,000	256
Additional noninterest expense	$8,875,000	375
Pre-tax net operating income	$25,321,000	252
Securities gains (losses)	$0	3,782
Applicable income taxes	$8,587,000	269
Income before extraordinary items	$16,734,000	280
Extraordinary gains, net	$0	30
Net income	$16,734,000	281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,045,000	252
Cash dividends	$16,000,000	152
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$16,734,000	250
2003-03-31 (YTD Data)		Rank
Total interest income	$40,284,000	234
Total interest expense	$15,543,000	205
Net interest income	$24,741,000	253
Provision for loan and lease losses	$1,800,000	258
Total noninterest income	$7,141,000	330
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$4,879,000	127
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,262,000	502
Total noninterest expense	$17,489,000	290
Salaries and employee benefits	$10,334,000	236
Premises and equipment expense	$2,842,000	251
Additional noninterest expense	$4,313,000	384
Pre-tax net operating income	$12,593,000	260
Securities gains (losses)	$0	2,891
Applicable income taxes	$4,248,000	273
Income before extraordinary items	$8,345,000	278
Extraordinary gains, net	$0	21
Net income	$8,345,000	278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,016,000	324
Cash dividends	$2,000,000	380
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$8,345,000	261
2002-12-31 (YTD Data)		Rank
Total interest income	$177,325,000	228
Total interest expense	$76,301,000	201
Net interest income	$101,024,000	254
Provision for loan and lease losses	$6,600,000	315
Total noninterest income	$22,754,000	367
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$17,191,000	137
Trading account gains and fees	$0	153
Additional Noninterest Income	$5,563,000	641
Total noninterest expense	$66,684,000	297
Salaries and employee benefits	$39,703,000	228
Premises and equipment expense	$9,833,000	276
Additional noninterest expense	$17,148,000	392
Pre-tax net operating income	$50,494,000	242
Securities gains (losses)	$867,000	465
Applicable income taxes	$17,554,000	246
Income before extraordinary items	$33,807,000	262
Extraordinary gains, net	$0	70
Net income	$33,807,000	262
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,692,000	299
Cash dividends	$6,300,000	520
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$33,234,780	249
2001-12-31 (YTD Data)		Rank
Total interest income	$194,615,000	244
Total interest expense	$99,306,000	225
Net interest income	$95,309,000	253
Provision for loan and lease losses	$5,400,000	341
Total noninterest income	$19,474,000	397
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$13,108,000	155
Trading account gains and fees	$0	177
Additional Noninterest Income	$6,366,000	553
Total noninterest expense	$61,147,000	311
Salaries and employee benefits	$33,951,000	244
Premises and equipment expense	$8,541,000	297
Additional noninterest expense	$18,655,000	372
Pre-tax net operating income	$48,236,000	232
Securities gains (losses)	$151,000	1,402
Applicable income taxes	$16,847,000	236
Income before extraordinary items	$31,540,000	246
Extraordinary gains, net	$0	105
Net income	$31,540,000	245
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,124,000	269
Cash dividends	$6,400,000	504
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$31,441,850	235
2000-12-31 (YTD Data)		Rank
Total interest income	$191,286,000	256
Total interest expense	$105,805,000	246
Net interest income	$85,481,000	274
Provision for loan and lease losses	$2,700,000	493
Total noninterest income	$16,692,000	423
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$10,242,000	165
Trading account gains and fees	$0	180
Additional Noninterest Income	$6,450,000	547
Total noninterest expense	$54,270,000	321
Salaries and employee benefits	$31,385,000	250
Premises and equipment expense	$7,801,000	313
Additional noninterest expense	$15,084,000	437
Pre-tax net operating income	$45,203,000	253
Securities gains (losses)	$309,000	339
Applicable income taxes	$16,624,000	241
Income before extraordinary items	$28,888,000	259
Extraordinary gains, net	$0	38
Net income	$28,888,000	259
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,652,000	409
Cash dividends	$36,825,000	170
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$28,690,240	258
1999-12-31 (YTD Data)		Rank
Total interest income	$170,304,000	263
Total interest expense	$85,442,000	257
Net interest income	$84,862,000	264
Provision for loan and lease losses	$2,000,000	565
Total noninterest income	$16,750,000	449
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$10,990,000	168
Trading account gains and fees	$0	173
Additional Noninterest Income	$5,760,000	603
Total noninterest expense	$54,727,000	336
Salaries and employee benefits	$28,797,000	272
Premises and equipment expense	$7,222,000	338
Additional noninterest expense	$18,708,000	379
Pre-tax net operating income	$44,885,000	268
Securities gains (losses)	$124,000	656
Applicable income taxes	$16,173,000	275
Income before extraordinary items	$28,836,000	284
Extraordinary gains, net	$0	35
Net income	$28,836,000	285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,944,000	460
Cash dividends	$7,900,000	486
Sale, conversion, retirement of capital stock, net	$200,000	719
Net operating income	$28,756,640	278
1998-12-31 (YTD Data)		Rank
Total interest income	$142,128,000	294
Total interest expense	$82,505,000	256
Net interest income	$59,623,000	352
Provision for loan and lease losses	$1,428,000	731
Total noninterest income	$20,374,000	377
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$20,374,000	287
Total noninterest expense	$41,310,000	415
Salaries and employee benefits	$20,304,000	371
Premises and equipment expense	$7,333,000	318
Additional noninterest expense	$13,673,000	469
Pre-tax net operating income	$37,259,000	277
Securities gains (losses)	$920,000	404
Applicable income taxes	$13,822,000	271
Income before extraordinary items	$24,357,000	288
Extraordinary gains, net	$0	32
Net income	$24,357,000	289
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,659,000	526
Cash dividends	$2,000,000	1,312
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$23,768,200	283
1997-12-31 (YTD Data)		Rank
Total interest income	$184,739,000	249
Total interest expense	$122,908,000	202
Net interest income	$61,831,000	341
Provision for loan and lease losses	$44,274,000	90
Total noninterest income	$14,598,000	435
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$14,598,000	324
Total noninterest expense	$51,327,000	325
Salaries and employee benefits	$15,432,000	450
Premises and equipment expense	$5,850,000	377
Additional noninterest expense	$30,045,000	261
Pre-tax net operating income	$-19,172,000	10,939
Securities gains (losses)	$-138,982,000	10,923
Applicable income taxes	$-51,202,000	10,923
Income before extraordinary items	$-106,952,000	10,923
Extraordinary gains, net	$0	44
Net income	$-106,952,000	10,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,926,000	113
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-12,444,240	10,912
1996-12-31 (YTD Data)		Rank
Total interest income	$169,191,000	291
Total interest expense	$124,893,000	222
Net interest income	$44,298,000	477
Provision for loan and lease losses	$12,491,000	177
Total noninterest income	$14,608,000	469
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$14,608,000	350
Total noninterest expense	$45,020,000	417
Salaries and employee benefits	$11,433,000	612
Premises and equipment expense	$3,985,000	567
Additional noninterest expense	$29,602,000	332
Pre-tax net operating income	$1,395,000	4,590
Securities gains (losses)	$-1,114,000	11,409
Applicable income taxes	$-2,047,000	11,415
Income before extraordinary items	$2,328,000	2,125
Extraordinary gains, net	$0	53
Net income	$2,328,000	2,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,867,000	208
Cash dividends	$9,900,000	431
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$3,442,000	1,403
1995-12-31 (YTD Data)		Rank
Total interest income	$151,641,000	329
Total interest expense	$121,312,000	235
Net interest income	$30,329,000	674
Provision for loan and lease losses	$176,000	3,326
Total noninterest income	$14,373,000	487
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$14,373,000	355
Total noninterest expense	$27,610,000	617
Salaries and employee benefits	$9,190,000	766
Premises and equipment expense	$3,306,000	691
Additional noninterest expense	$15,114,000	506
Pre-tax net operating income	$16,916,000	536
Securities gains (losses)	$5,212,000	58
Applicable income taxes	$6,706,000	503
Income before extraordinary items	$15,422,000	423
Extraordinary gains, net	$0	65
Net income	$15,422,000	422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$435,000	1,508
Cash dividends	$21,757,000	239
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$11,773,600	523
1994-12-31 (YTD Data)		Rank
Total interest income	$133,290,000	327
Total interest expense	$91,938,000	234
Net interest income	$41,352,000	511
Provision for loan and lease losses	$999,000	928
Total noninterest income	$35,075,000	278
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$35,075,000	197
Total noninterest expense	$19,444,000	827
Salaries and employee benefits	$8,313,000	825
Premises and equipment expense	$3,042,000	755
Additional noninterest expense	$8,089,000	814
Pre-tax net operating income	$55,984,000	226
Securities gains (losses)	$2,713,000	68
Applicable income taxes	$10,603,000	327
Income before extraordinary items	$48,094,000	185
Extraordinary gains, net	$-1,995,000	12,594
Net income	$46,099,000	189
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-92,000	12,191
Cash dividends	$9,110,000	370
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$45,869,340	194
1993-12-31 (YTD Data)		Rank
Total interest income	$101,104,000	392
Total interest expense	$59,758,000	312
Net interest income	$41,346,000	506
Provision for loan and lease losses	$-1,125,000	13,229
Total noninterest income	$21,594,000	368
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$21,594,000	259
Total noninterest expense	$25,694,000	691
Salaries and employee benefits	$7,719,000	884
Premises and equipment expense	$3,008,000	769
Additional noninterest expense	$14,967,000	579
Pre-tax net operating income	$38,371,000	257
Securities gains (losses)	$19,123,000	44
Applicable income taxes	$12,044,000	270
Income before extraordinary items	$45,450,000	178
Extraordinary gains, net	$-3,260,000	13,250
Net income	$42,190,000	188
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	5,302
Cash dividends	$18,133,000	191
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$30,342,830	228
1992-12-31 (YTD Data)		Rank
Total interest income	$85,035,000	500
Total interest expense	$57,244,000	390
Net interest income	$27,791,000	719
Provision for loan and lease losses	$-1,626,000	13,918
Total noninterest income	$37,179,000	252
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$37,179,000	164
Total noninterest expense	$22,905,000	763
Salaries and employee benefits	$7,385,000	922
Premises and equipment expense	$3,037,000	793
Additional noninterest expense	$12,483,000	648
Pre-tax net operating income	$43,691,000	184
Securities gains (losses)	$9,555,000	117
Applicable income taxes	$0	12,680
Income before extraordinary items	$53,246,000	125
Extraordinary gains, net	$0	1,422
Net income	$53,246,000	128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,447,000	670
Cash dividends	$10,000,000	217
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$43,691,000	137

* 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.