Home > Meridian Bank > Income and Expense
Meridian Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,851,000 | 7,091 |
| Total interest expense | $935,000 | 6,481 |
| Net interest income | $916,000 | 7,390 |
| Provision for loan and lease losses | $1,603,000 | 1,363 |
| Total noninterest income | $270,000 | 5,573 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $137,000 | 5,005 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $133,000 | 5,155 |
| Total noninterest expense | $1,805,000 | 5,747 |
| Salaries and employee benefits | $968,000 | 5,791 |
| Premises and equipment expense | $353,000 | 4,635 |
| Additional noninterest expense | $484,000 | 5,995 |
| Pre-tax net operating income | $-2,222,000 | 7,906 |
| Securities gains (losses) | $3,000 | 2,756 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-2,219,000 | 7,905 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,219,000 | 7,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $778,000 | 1,519 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,222,000 | 7,976 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,286,000 | 7,061 |
| Total interest expense | $677,000 | 6,425 |
| Net interest income | $609,000 | 7,429 |
| Provision for loan and lease losses | $603,000 | 1,686 |
| Total noninterest income | $200,000 | 5,432 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $91,000 | 5,006 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $109,000 | 4,902 |
| Total noninterest expense | $1,145,000 | 5,909 |
| Salaries and employee benefits | $657,000 | 5,782 |
| Premises and equipment expense | $225,000 | 4,803 |
| Additional noninterest expense | $263,000 | 6,521 |
| Pre-tax net operating income | $-939,000 | 7,878 |
| Securities gains (losses) | $96,000 | 997 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-843,000 | 7,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-843,000 | 7,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $364,000 | 1,597 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-939,000 | 7,958 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $705,000 | 6,962 |
| Total interest expense | $395,000 | 6,271 |
| Net interest income | $310,000 | 7,447 |
| Provision for loan and lease losses | $603,000 | 892 |
| Total noninterest income | $68,000 | 6,170 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $41,000 | 5,179 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $27,000 | 6,042 |
| Total noninterest expense | $585,000 | 5,876 |
| Salaries and employee benefits | $340,000 | 5,730 |
| Premises and equipment expense | $117,000 | 4,703 |
| Additional noninterest expense | $128,000 | 6,565 |
| Pre-tax net operating income | $-810,000 | 8,233 |
| Securities gains (losses) | $104,000 | 700 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-706,000 | 8,242 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-706,000 | 8,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,065 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-810,000 | 8,259 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,672,000 | 7,075 |
| Total interest expense | $1,625,000 | 6,264 |
| Net interest income | $1,047,000 | 7,687 |
| Provision for loan and lease losses | $175,000 | 4,119 |
| Total noninterest income | $586,000 | 4,690 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $187,000 | 5,028 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $399,000 | 3,738 |
| Total noninterest expense | $2,553,000 | 5,548 |
| Salaries and employee benefits | $1,528,000 | 5,245 |
| Premises and equipment expense | $477,000 | 4,509 |
| Additional noninterest expense | $548,000 | 6,366 |
| Pre-tax net operating income | $-1,095,000 | 8,077 |
| Securities gains (losses) | $36,000 | 908 |
| Applicable income taxes | $-154,000 | 8,085 |
| Income before extraordinary items | $-905,000 | 8,075 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-905,000 | 8,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,316 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $1,003,000 | 431 |
| Net operating income | $-935,600 | 8,078 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,935,000 | 7,191 |
| Total interest expense | $1,164,000 | 6,386 |
| Net interest income | $771,000 | 7,763 |
| Provision for loan and lease losses | $115,000 | 3,913 |
| Total noninterest income | $511,000 | 4,370 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $144,000 | 5,010 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $367,000 | 3,362 |
| Total noninterest expense | $1,797,000 | 5,703 |
| Salaries and employee benefits | $1,078,000 | 5,411 |
| Premises and equipment expense | $325,000 | 4,772 |
| Additional noninterest expense | $394,000 | 6,445 |
| Pre-tax net operating income | $-630,000 | 8,151 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-630,000 | 8,197 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-630,000 | 8,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 2,478 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $1,003,000 | 320 |
| Net operating income | $-630,000 | 8,188 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,262,000 | 7,266 |
| Total interest expense | $763,000 | 6,451 |
| Net interest income | $499,000 | 7,868 |
| Provision for loan and lease losses | $85,000 | 3,599 |
| Total noninterest income | $314,000 | 4,563 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $102,000 | 4,904 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $212,000 | 3,667 |
| Total noninterest expense | $1,176,000 | 5,787 |
| Salaries and employee benefits | $705,000 | 5,525 |
| Premises and equipment expense | $191,000 | 5,166 |
| Additional noninterest expense | $280,000 | 6,295 |
| Pre-tax net operating income | $-448,000 | 8,268 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-448,000 | 8,302 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-448,000 | 8,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,116 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $372,000 | 340 |
| Net operating income | $-448,000 | 8,295 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $651,000 | 7,238 |
| Total interest expense | $397,000 | 6,392 |
| Net interest income | $254,000 | 7,895 |
| Provision for loan and lease losses | $40,000 | 3,421 |
| Total noninterest income | $102,000 | 5,507 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $47,000 | 5,004 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $55,000 | 4,922 |
| Total noninterest expense | $613,000 | 5,688 |
| Salaries and employee benefits | $363,000 | 5,479 |
| Premises and equipment expense | $97,000 | 5,145 |
| Additional noninterest expense | $153,000 | 6,070 |
| Pre-tax net operating income | $-297,000 | 8,412 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-297,000 | 8,434 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-297,000 | 8,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,284 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-297,000 | 8,422 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,591,000 | 7,866 |
| Total interest expense | $722,000 | 7,479 |
| Net interest income | $869,000 | 8,007 |
| Provision for loan and lease losses | $166,000 | 3,889 |
| Total noninterest income | $211,000 | 6,841 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $84,000 | 6,375 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $127,000 | 5,919 |
| Total noninterest expense | $1,292,000 | 7,244 |
| Salaries and employee benefits | $803,000 | 6,943 |
| Premises and equipment expense | $164,000 | 7,094 |
| Additional noninterest expense | $325,000 | 7,439 |
| Pre-tax net operating income | $-378,000 | 8,212 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-171,000 | 8,428 |
| Income before extraordinary items | $-207,000 | 8,155 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-207,000 | 8,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 2,811 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $165,000 | 795 |
| Net operating income | $-207,000 | 8,148 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,087,000 | 8,035 |
| Total interest expense | $453,000 | 7,724 |
| Net interest income | $634,000 | 8,116 |
| Provision for loan and lease losses | $31,000 | 5,618 |
| Total noninterest income | $120,000 | 7,286 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $56,000 | 6,588 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $64,000 | 6,583 |
| Total noninterest expense | $924,000 | 7,330 |
| Salaries and employee benefits | $577,000 | 7,049 |
| Premises and equipment expense | $109,000 | 7,320 |
| Additional noninterest expense | $238,000 | 7,491 |
| Pre-tax net operating income | $-201,000 | 8,302 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-201,000 | 8,322 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-201,000 | 8,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,656 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $165,000 | 629 |
| Net operating income | $-201,000 | 8,316 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $662,000 | 8,152 |
| Total interest expense | $255,000 | 7,915 |
| Net interest income | $407,000 | 8,212 |
| Provision for loan and lease losses | $22,000 | 5,468 |
| Total noninterest income | $91,000 | 7,133 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $34,000 | 6,726 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,166 |
| Total noninterest expense | $593,000 | 7,448 |
| Salaries and employee benefits | $380,000 | 7,105 |
| Premises and equipment expense | $70,000 | 7,416 |
| Additional noninterest expense | $143,000 | 7,697 |
| Pre-tax net operating income | $-117,000 | 8,351 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-117,000 | 8,358 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-117,000 | 8,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $165,000 | 457 |
| Net operating income | $-117,000 | 8,359 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $304,000 | 8,241 |
| Total interest expense | $109,000 | 8,065 |
| Net interest income | $195,000 | 8,272 |
| Provision for loan and lease losses | $9,000 | 5,345 |
| Total noninterest income | $20,000 | 8,055 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $15,000 | 6,832 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,055 |
| Total noninterest expense | $297,000 | 7,452 |
| Salaries and employee benefits | $187,000 | 7,168 |
| Premises and equipment expense | $32,000 | 7,546 |
| Additional noninterest expense | $78,000 | 7,553 |
| Pre-tax net operating income | $-91,000 | 8,430 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-91,000 | 8,444 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-91,000 | 8,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $165,000 | 258 |
| Net operating income | $-91,000 | 8,431 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $952,000 | 8,364 |
| Total interest expense | $253,000 | 8,311 |
| Net interest income | $699,000 | 8,340 |
| Provision for loan and lease losses | $5,000 | 6,973 |
| Total noninterest income | $94,000 | 7,998 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $58,000 | 6,954 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $36,000 | 7,717 |
| Total noninterest expense | $781,000 | 8,099 |
| Salaries and employee benefits | $500,000 | 7,902 |
| Premises and equipment expense | $93,000 | 7,939 |
| Additional noninterest expense | $188,000 | 8,296 |
| Pre-tax net operating income | $7,000 | 8,224 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $7,000 | 8,256 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,000 | 8,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $2,130,000 | 391 |
| Net operating income | $7,000 | 8,228 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $665,000 | 8,457 |
| Total interest expense | $161,000 | 8,420 |
| Net interest income | $504,000 | 8,410 |
| Provision for loan and lease losses | $5,000 | 6,713 |
| Total noninterest income | $75,000 | 7,974 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $46,000 | 6,939 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $29,000 | 7,683 |
| Total noninterest expense | $597,000 | 8,075 |
| Salaries and employee benefits | $374,000 | 7,880 |
| Premises and equipment expense | $65,000 | 8,029 |
| Additional noninterest expense | $158,000 | 8,164 |
| Pre-tax net operating income | $-23,000 | 8,360 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-23,000 | 8,379 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-23,000 | 8,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,634 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-23,000 | 8,354 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $377,000 | 8,558 |
| Total interest expense | $80,000 | 8,559 |
| Net interest income | $297,000 | 8,515 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $38,000 | 8,226 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $30,000 | 6,945 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $8,000 | 8,279 |
| Total noninterest expense | $384,000 | 8,116 |
| Salaries and employee benefits | $245,000 | 7,915 |
| Premises and equipment expense | $42,000 | 8,050 |
| Additional noninterest expense | $97,000 | 8,240 |
| Pre-tax net operating income | $-49,000 | 8,428 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-49,000 | 8,466 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-49,000 | 8,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,519 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-49,000 | 8,433 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $175,000 | 8,663 |
| Total interest expense | $29,000 | 8,707 |
| Net interest income | $146,000 | 8,604 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $18,000 | 8,309 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $14,000 | 7,031 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $175,000 | 8,304 |
| Salaries and employee benefits | $109,000 | 8,164 |
| Premises and equipment expense | $20,000 | 8,171 |
| Additional noninterest expense | $46,000 | 8,360 |
| Pre-tax net operating income | $-11,000 | 8,479 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-11,000 | 8,496 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-11,000 | 8,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,610 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-11,000 | 8,471 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $560,000 | 8,723 |
| Total interest expense | $103,000 | 8,729 |
| Net interest income | $457,000 | 8,681 |
| Provision for loan and lease losses | $15,000 | 6,861 |
| Total noninterest income | $62,000 | 8,478 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $43,000 | 7,394 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $19,000 | 8,248 |
| Total noninterest expense | $399,000 | 8,794 |
| Salaries and employee benefits | $226,000 | 8,768 |
| Premises and equipment expense | $67,000 | 8,390 |
| Additional noninterest expense | $106,000 | 8,799 |
| Pre-tax net operating income | $105,000 | 8,095 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $10,000 | 6,757 |
| Income before extraordinary items | $95,000 | 8,115 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $95,000 | 8,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $1,283,000 | 379 |
| Net operating income | $95,000 | 8,069 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $404,000 | 8,792 |
| Total interest expense | $77,000 | 8,787 |
| Net interest income | $327,000 | 8,761 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $46,000 | 8,538 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $32,000 | 7,451 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 8,295 |
| Total noninterest expense | $245,000 | 8,893 |
| Salaries and employee benefits | $150,000 | 8,849 |
| Premises and equipment expense | $27,000 | 8,779 |
| Additional noninterest expense | $68,000 | 8,881 |
| Pre-tax net operating income | $128,000 | 8,008 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $38,000 | 6,142 |
| Income before extraordinary items | $90,000 | 8,133 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $90,000 | 8,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,219 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $1,275,000 | 287 |
| Net operating income | $90,000 | 8,083 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $253,000 | 8,872 |
| Total interest expense | $53,000 | 8,847 |
| Net interest income | $200,000 | 8,851 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $28,000 | 8,640 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $19,000 | 7,545 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $9,000 | 8,365 |
| Total noninterest expense | $160,000 | 8,962 |
| Salaries and employee benefits | $101,000 | 8,909 |
| Premises and equipment expense | $15,000 | 8,886 |
| Additional noninterest expense | $44,000 | 8,937 |
| Pre-tax net operating income | $68,000 | 8,135 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $17,000 | 6,384 |
| Income before extraordinary items | $51,000 | 8,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $51,000 | 8,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,050,000 | 207 |
| Net operating income | $51,000 | 8,168 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $114,000 | 8,959 |
| Total interest expense | $27,000 | 8,886 |
| Net interest income | $87,000 | 8,935 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $14,000 | 8,663 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $9,000 | 7,564 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $77,000 | 9,013 |
| Salaries and employee benefits | $52,000 | 8,938 |
| Premises and equipment expense | $6,000 | 8,944 |
| Additional noninterest expense | $19,000 | 9,018 |
| Pre-tax net operating income | $24,000 | 8,267 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $18,000 | 8,359 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $18,000 | 8,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $1,050,000 | 117 |
| Net operating income | $18,000 | 8,294 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $373,000 | 9,013 |
| Total interest expense | $120,000 | 8,919 |
| Net interest income | $253,000 | 9,020 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $63,000 | 8,671 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $34,000 | 7,662 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $29,000 | 8,154 |
| Total noninterest expense | $282,000 | 9,081 |
| Salaries and employee benefits | $188,000 | 9,017 |
| Premises and equipment expense | $25,000 | 9,040 |
| Additional noninterest expense | $69,000 | 9,092 |
| Pre-tax net operating income | $34,000 | 8,435 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $34,000 | 8,526 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $34,000 | 8,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,655 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $34,000 | 8,427 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $271,000 | 9,101 |
| Total interest expense | $90,000 | 9,010 |
| Net interest income | $181,000 | 9,105 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $45,000 | 8,774 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $24,000 | 7,765 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $21,000 | 8,224 |
| Total noninterest expense | $210,000 | 9,143 |
| Salaries and employee benefits | $139,000 | 9,073 |
| Premises and equipment expense | $18,000 | 9,092 |
| Additional noninterest expense | $53,000 | 9,142 |
| Pre-tax net operating income | $16,000 | 8,577 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $16,000 | 8,672 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $16,000 | 8,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,605 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $16,000 | 8,575 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $179,000 | 9,146 |
| Total interest expense | $62,000 | 9,050 |
| Net interest income | $117,000 | 9,151 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $28,000 | 8,823 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $15,000 | 7,804 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $13,000 | 8,275 |
| Total noninterest expense | $134,000 | 9,181 |
| Salaries and employee benefits | $85,000 | 9,132 |
| Premises and equipment expense | $10,000 | 9,145 |
| Additional noninterest expense | $39,000 | 9,144 |
| Pre-tax net operating income | $11,000 | 8,606 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $11,000 | 8,700 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $11,000 | 8,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,664 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $11,000 | 8,585 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $93,000 | 9,184 |
| Total interest expense | $34,000 | 9,087 |
| Net interest income | $59,000 | 9,195 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $16,000 | 8,775 |
| 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 | $9,000 | 7,987 |
| Total noninterest expense | $70,000 | 9,221 |
| Salaries and employee benefits | $43,000 | 9,175 |
| Premises and equipment expense | $5,000 | 9,168 |
| Additional noninterest expense | $22,000 | 9,147 |
| Pre-tax net operating income | $5,000 | 8,639 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $5,000 | 8,702 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,000 | 8,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $5,000 | 8,598 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $420,000 | 9,197 |
| Total interest expense | $174,000 | 9,101 |
| Net interest income | $246,000 | 9,214 |
| Provision for loan and lease losses | $15,000 | 7,642 |
| Total noninterest income | $58,000 | 8,901 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $34,000 | 7,795 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 8,403 |
| Total noninterest expense | $344,000 | 9,200 |
| Salaries and employee benefits | $192,000 | 9,177 |
| Premises and equipment expense | $23,000 | 9,213 |
| Additional noninterest expense | $129,000 | 9,015 |
| Pre-tax net operating income | $-55,000 | 8,714 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,000 | 7,560 |
| Income before extraordinary items | $-57,000 | 8,800 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-57,000 | 8,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,705 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-57,000 | 8,735 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $508,000 | 9,423 |
| Total interest expense | $286,000 | 9,306 |
| Net interest income | $222,000 | 9,475 |
| Provision for loan and lease losses | $184,000 | 4,316 |
| Total noninterest income | $70,000 | 8,910 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $35,000 | 7,892 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $35,000 | 8,190 |
| Total noninterest expense | $330,000 | 9,457 |
| Salaries and employee benefits | $197,000 | 9,410 |
| Premises and equipment expense | $23,000 | 9,469 |
| Additional noninterest expense | $110,000 | 9,317 |
| Pre-tax net operating income | $-222,000 | 8,982 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-82,000 | 9,226 |
| Income before extraordinary items | $-140,000 | 8,991 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-140,000 | 8,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,657 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-140,000 | 8,936 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $635,000 | 9,620 |
| Total interest expense | $287,000 | 9,550 |
| Net interest income | $348,000 | 9,643 |
| Provision for loan and lease losses | $437,000 | 2,103 |
| Total noninterest income | $82,000 | 8,847 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 7,346 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 8,953 |
| Total noninterest expense | $287,000 | 9,770 |
| Salaries and employee benefits | $187,000 | 9,661 |
| Premises and equipment expense | $23,000 | 9,742 |
| Additional noninterest expense | $77,000 | 9,759 |
| Pre-tax net operating income | $-294,000 | 9,410 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-48,000 | 9,479 |
| Income before extraordinary items | $-246,000 | 9,410 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-246,000 | 9,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $391,000 | 1,501 |
| Cash dividends | $94,000 | 6,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-246,000 | 9,409 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $692,000 | 9,851 |
| Total interest expense | $298,000 | 9,802 |
| Net interest income | $394,000 | 9,827 |
| Provision for loan and lease losses | $139,000 | 4,457 |
| Total noninterest income | $89,000 | 8,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 7,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,510 |
| Total noninterest expense | $288,000 | 10,071 |
| Salaries and employee benefits | $193,000 | 9,938 |
| Premises and equipment expense | $25,000 | 10,037 |
| Additional noninterest expense | $70,000 | 10,095 |
| Pre-tax net operating income | $56,000 | 9,216 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-9,000 | 9,665 |
| Income before extraordinary items | $65,000 | 9,168 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $65,000 | 9,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,925 |
| Cash dividends | $99,000 | 6,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $65,000 | 9,135 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $701,000 | 10,098 |
| Total interest expense | $310,000 | 10,036 |
| Net interest income | $391,000 | 10,094 |
| Provision for loan and lease losses | $77,000 | 5,674 |
| Total noninterest income | $94,000 | 9,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 8,213 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,120 |
| Total noninterest expense | $263,000 | 10,312 |
| Salaries and employee benefits | $167,000 | 10,224 |
| Premises and equipment expense | $39,000 | 10,038 |
| Additional noninterest expense | $57,000 | 10,363 |
| Pre-tax net operating income | $145,000 | 9,194 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $37,000 | 8,566 |
| Income before extraordinary items | $108,000 | 9,290 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $108,000 | 9,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,298 |
| Cash dividends | $99,000 | 6,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $108,000 | 9,214 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $667,000 | 10,597 |
| Total interest expense | $292,000 | 10,525 |
| Net interest income | $375,000 | 10,584 |
| Provision for loan and lease losses | $28,000 | 7,514 |
| Total noninterest income | $84,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 8,677 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,689 |
| Total noninterest expense | $244,000 | 10,786 |
| Salaries and employee benefits | $170,000 | 10,658 |
| Premises and equipment expense | $18,000 | 10,780 |
| Additional noninterest expense | $56,000 | 10,809 |
| Pre-tax net operating income | $187,000 | 9,641 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $53,000 | 9,212 |
| Income before extraordinary items | $134,000 | 9,739 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $134,000 | 9,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $99,000 | 6,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $134,000 | 9,691 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $650,000 | 11,155 |
| Total interest expense | $314,000 | 11,051 |
| Net interest income | $336,000 | 11,183 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $69,000 | 10,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 9,277 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,600 |
| Total noninterest expense | $251,000 | 11,313 |
| Salaries and employee benefits | $164,000 | 11,184 |
| Premises and equipment expense | $22,000 | 11,270 |
| Additional noninterest expense | $65,000 | 11,332 |
| Pre-tax net operating income | $142,000 | 10,130 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $36,000 | 9,934 |
| Income before extraordinary items | $106,000 | 10,170 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $106,000 | 10,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $99,000 | 6,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $106,000 | 10,118 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $550,000 | 11,756 |
| Total interest expense | $254,000 | 11,663 |
| Net interest income | $296,000 | 11,766 |
| Provision for loan and lease losses | $18,000 | 7,795 |
| Total noninterest income | $68,000 | 11,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 9,769 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 9,867 |
| Total noninterest expense | $241,000 | 11,826 |
| Salaries and employee benefits | $156,000 | 11,717 |
| Premises and equipment expense | $20,000 | 11,799 |
| Additional noninterest expense | $65,000 | 11,836 |
| Pre-tax net operating income | $105,000 | 11,057 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $22,000 | 10,722 |
| Income before extraordinary items | $83,000 | 11,076 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $83,000 | 11,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,103 |
| Cash dividends | $99,000 | 6,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $83,000 | 11,058 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $512,000 | 12,407 |
| Total interest expense | $195,000 | 12,345 |
| Net interest income | $317,000 | 12,387 |
| Provision for loan and lease losses | $31,000 | 7,056 |
| Total noninterest income | $61,000 | 11,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 10,567 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,035 |
| Total noninterest expense | $244,000 | 12,456 |
| Salaries and employee benefits | $151,000 | 12,352 |
| Premises and equipment expense | $21,000 | 12,416 |
| Additional noninterest expense | $72,000 | 12,466 |
| Pre-tax net operating income | $103,000 | 11,611 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $20,000 | 11,148 |
| Income before extraordinary items | $83,000 | 11,534 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $83,000 | 11,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,043 |
| Cash dividends | $90,000 | 7,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $83,000 | 11,583 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $524,000 | 13,035 |
| Total interest expense | $209,000 | 12,964 |
| Net interest income | $315,000 | 12,981 |
| Provision for loan and lease losses | $21,000 | 8,998 |
| Total noninterest income | $46,000 | 12,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 11,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,102 |
| Total noninterest expense | $249,000 | 13,100 |
| Salaries and employee benefits | $141,000 | 13,033 |
| Premises and equipment expense | $28,000 | 12,902 |
| Additional noninterest expense | $80,000 | 13,083 |
| Pre-tax net operating income | $91,000 | 11,918 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $16,000 | 11,688 |
| Income before extraordinary items | $76,000 | 12,045 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $76,000 | 12,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 7,819 |
| Cash dividends | $59,000 | 7,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $75,170 | 11,882 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $613,000 | 13,595 |
| Total interest expense | $287,000 | 13,516 |
| Net interest income | $326,000 | 13,571 |
| Provision for loan and lease losses | $8,000 | 11,328 |
| Total noninterest income | $59,000 | 12,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 11,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 11,401 |
| Total noninterest expense | $268,000 | 13,659 |
| Salaries and employee benefits | $154,000 | 13,525 |
| Premises and equipment expense | $31,000 | 13,377 |
| Additional noninterest expense | $83,000 | 13,664 |
| Pre-tax net operating income | $109,000 | 11,929 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $22,000 | 12,047 |
| Income before extraordinary items | $87,000 | 12,122 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $87,000 | 12,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $87,000 | 11,821 |
* 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.