Home > North Houston Bank > Income and Expense

North Houston Bank, Income and Expense

2009-09-30 (YTD Data)Rank
Total interest income$11,493,0002,216
Total interest expense$4,692,0001,936
Net interest income$6,801,0002,405
Provision for loan and lease losses$2,620,0001,611
Total noninterest income$-291,0007,977
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$506,0002,331
Trading account gains and fees$0212
Additional Noninterest Income$-797,0007,995
Total noninterest expense$7,395,0002,039
Salaries and employee benefits$3,954,0001,890
Premises and equipment expense$900,0002,242
Additional noninterest expense$2,541,0002,078
Pre-tax net operating income$-3,505,0007,361
Securities gains (losses)$-1,705,0007,912
Applicable income taxes$19,567,00096
Income before extraordinary items$-24,777,0007,914
Extraordinary gains, net$027
Net income$-24,777,0007,914
Minority interest net income$0118
Net income of bank and minority interests.$-24,777,0007,914
Net charge-offs$445,0003,198
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-23,072,0007,909
2009-06-30 (YTD Data)Rank
Total interest income$8,155,0002,157
Total interest expense$3,345,0001,903
Net interest income$4,810,0002,273
Provision for loan and lease losses$-400,0008,186
Total noninterest income$370,0003,981
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$335,0002,308
Trading account gains and fees$0193
Additional Noninterest Income$35,0006,236
Total noninterest expense$5,256,0001,939
Salaries and employee benefits$2,697,0001,874
Premises and equipment expense$605,0002,254
Additional noninterest expense$1,954,0001,842
Pre-tax net operating income$324,0004,037
Securities gains (losses)$-6,0007,442
Applicable income taxes$162,0002,185
Income before extraordinary items$156,0004,828
Extraordinary gains, net$021
Net income$156,0004,825
Minority interest net income$0112
Net income of bank and minority interests.$156,0004,825
Net charge-offs$-1,0007,516
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$159,8404,711
2009-03-31 (YTD Data)Rank
Total interest income$4,208,0002,111
Total interest expense$1,810,0001,841
Net interest income$2,398,0002,279
Provision for loan and lease losses$-400,0008,232
Total noninterest income$184,0003,984
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$159,0002,345
Trading account gains and fees$0171
Additional Noninterest Income$25,0005,902
Total noninterest expense$2,428,0002,035
Salaries and employee benefits$1,288,0001,996
Premises and equipment expense$311,0002,233
Additional noninterest expense$829,0001,934
Pre-tax net operating income$554,0002,199
Securities gains (losses)$-6,0007,794
Applicable income taxes$216,0001,368
Income before extraordinary items$332,0002,938
Extraordinary gains, net$015
Net income$332,0002,940
Minority interest net income$0102
Net income of bank and minority interests.$332,0002,940
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$335,8402,783
2008-12-31 (YTD Data)Rank
Total interest income$26,944,0001,440
Total interest expense$11,806,0001,382
Net interest income$15,138,0001,482
Provision for loan and lease losses$1,882,0001,880
Total noninterest income$621,0004,390
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$673,0002,420
Trading account gains and fees$1,322,00066
Additional Noninterest Income$-1,374,0008,260
Total noninterest expense$10,263,0001,887
Salaries and employee benefits$5,414,0001,872
Premises and equipment expense$1,395,0001,958
Additional noninterest expense$3,454,0001,770
Pre-tax net operating income$3,614,0001,517
Securities gains (losses)$-50,861,0008,258
Applicable income taxes$-17,394,0008,218
Income before extraordinary items$-29,853,0008,142
Extraordinary gains, net$039
Net income$-29,853,0008,142
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,707,0001,435
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$2,698,0401,610
2008-09-30 (YTD Data)Rank
Total interest income$21,075,0001,414
Total interest expense$9,370,0001,360
Net interest income$11,705,0001,447
Provision for loan and lease losses$2,681,000973
Total noninterest income$1,847,0001,877
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$500,0002,461
Trading account gains and fees$1,322,00064
Additional Noninterest Income$25,0007,272
Total noninterest expense$7,467,0001,924
Salaries and employee benefits$4,085,0001,895
Premises and equipment expense$1,006,0002,035
Additional noninterest expense$2,376,0001,865
Pre-tax net operating income$3,404,0001,432
Securities gains (losses)$-47,953,0008,347
Applicable income taxes$-16,457,0008,327
Income before extraordinary items$-28,092,0008,300
Extraordinary gains, net$031
Net income$-28,092,0008,299
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,695,000937
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$2,597,9201,499
2008-06-30 (YTD Data)Rank
Total interest income$14,203,0001,417
Total interest expense$6,309,0001,396
Net interest income$7,894,0001,416
Provision for loan and lease losses$400,0002,155
Total noninterest income$1,474,0001,677
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$332,0002,448
Trading account gains and fees$1,323,00060
Additional Noninterest Income$-181,0008,395
Total noninterest expense$5,015,0001,916
Salaries and employee benefits$2,664,0001,950
Premises and equipment expense$668,0002,031
Additional noninterest expense$1,683,0001,738
Pre-tax net operating income$3,953,000892
Securities gains (losses)$03,233
Applicable income taxes$598,0001,397
Income before extraordinary items$3,355,000818
Extraordinary gains, net$021
Net income$3,355,000817
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,695,000614
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$3,355,000803
2008-03-31 (YTD Data)Rank
Total interest income$6,966,0001,482
Total interest expense$3,189,0001,471
Net interest income$3,777,0001,462
Provision for loan and lease losses$06,080
Total noninterest income$1,077,0001,259
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$164,0002,440
Trading account gains and fees$730,00063
Additional Noninterest Income$183,0002,703
Total noninterest expense$2,635,0001,820
Salaries and employee benefits$1,334,0001,974
Premises and equipment expense$325,0002,083
Additional noninterest expense$976,0001,468
Pre-tax net operating income$2,219,000856
Securities gains (losses)$02,688
Applicable income taxes$187,0002,059
Income before extraordinary items$2,032,000747
Extraordinary gains, net$015
Net income$2,032,000748
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$108,0001,743
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$2,032,000716
2007-12-31 (YTD Data)Rank
Total interest income$27,951,0001,538
Total interest expense$11,772,0001,704
Net interest income$16,179,0001,384
Provision for loan and lease losses$06,851
Total noninterest income$1,073,0003,392
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$659,0002,490
Trading account gains and fees$-682,0008,498
Additional Noninterest Income$1,096,0002,102
Total noninterest expense$10,266,0001,802
Salaries and employee benefits$5,572,0001,811
Premises and equipment expense$1,345,0001,934
Additional noninterest expense$3,349,0001,669
Pre-tax net operating income$6,986,0001,218
Securities gains (losses)$-15,0007,664
Applicable income taxes$2,649,000896
Income before extraordinary items$4,322,0001,479
Extraordinary gains, net$039
Net income$4,322,0001,479
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0005,878
Cash dividends$10,000,000414
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$4,331,6001,460
2007-09-30 (YTD Data)Rank
Total interest income$20,936,0001,548
Total interest expense$8,794,0001,704
Net interest income$12,142,0001,391
Provision for loan and lease losses$06,528
Total noninterest income$1,728,0002,008
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$470,0002,573
Trading account gains and fees$276,00099
Additional Noninterest Income$982,0001,858
Total noninterest expense$7,592,0001,800
Salaries and employee benefits$4,143,0001,832
Premises and equipment expense$974,0001,992
Additional noninterest expense$2,475,0001,646
Pre-tax net operating income$6,278,0001,096
Securities gains (losses)$01,655
Applicable income taxes$2,386,000826
Income before extraordinary items$3,892,0001,315
Extraordinary gains, net$033
Net income$3,892,0001,312
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0004,768
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$3,892,0001,307
2007-06-30 (YTD Data)Rank
Total interest income$13,807,0001,579
Total interest expense$5,932,0001,688
Net interest income$7,875,0001,458
Provision for loan and lease losses$06,209
Total noninterest income$1,201,0001,961
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$298,0002,671
Trading account gains and fees$0168
Additional Noninterest Income$903,0001,495
Total noninterest expense$5,047,0001,826
Salaries and employee benefits$2,728,0001,874
Premises and equipment expense$637,0002,034
Additional noninterest expense$1,682,0001,608
Pre-tax net operating income$4,029,0001,172
Securities gains (losses)$01,444
Applicable income taxes$1,531,000904
Income before extraordinary items$2,498,0001,416
Extraordinary gains, net$029
Net income$2,498,0001,414
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$37,0003,152
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$2,498,0001,396
2007-03-31 (YTD Data)Rank
Total interest income$6,649,0001,636
Total interest expense$2,919,0001,703
Net interest income$3,730,0001,546
Provision for loan and lease losses$05,779
Total noninterest income$224,0003,784
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$149,0002,618
Trading account gains and fees$0195
Additional Noninterest Income$75,0004,329
Total noninterest expense$2,283,0002,031
Salaries and employee benefits$1,354,0001,902
Premises and equipment expense$314,0002,072
Additional noninterest expense$615,0002,136
Pre-tax net operating income$1,671,0001,397
Securities gains (losses)$01,187
Applicable income taxes$635,0001,060
Income before extraordinary items$1,036,0001,661
Extraordinary gains, net$022
Net income$1,036,0001,661
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,036,0001,650
2006-12-31 (YTD Data)Rank
Total interest income$29,308,0001,356
Total interest expense$11,559,0001,456
Net interest income$17,749,0001,274
Provision for loan and lease losses$06,850
Total noninterest income$705,0004,343
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$653,0002,517
Trading account gains and fees$0130
Additional Noninterest Income$52,0007,209
Total noninterest expense$9,541,0001,872
Salaries and employee benefits$5,138,0001,896
Premises and equipment expense$1,263,0001,990
Additional noninterest expense$3,140,0001,682
Pre-tax net operating income$8,913,0001,105
Securities gains (losses)$-531,0008,519
Applicable income taxes$3,161,000897
Income before extraordinary items$5,221,0001,404
Extraordinary gains, net$051
Net income$5,221,0001,404
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0005,438
Cash dividends$5,000,000705
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$5,560,8401,295
2006-09-30 (YTD Data)Rank
Total interest income$22,153,0001,328
Total interest expense$8,907,0001,368
Net interest income$13,246,0001,299
Provision for loan and lease losses$06,685
Total noninterest income$446,0004,775
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$500,0002,480
Trading account gains and fees$0126
Additional Noninterest Income$-54,0008,729
Total noninterest expense$6,697,0001,970
Salaries and employee benefits$3,729,0001,950
Premises and equipment expense$973,0001,951
Additional noninterest expense$1,995,0001,959
Pre-tax net operating income$6,995,0001,095
Securities gains (losses)$-531,0008,634
Applicable income taxes$2,456,000918
Income before extraordinary items$4,008,0001,407
Extraordinary gains, net$045
Net income$4,008,0001,408
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0004,856
Cash dividends$5,000,000514
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$4,347,8401,285
2006-06-30 (YTD Data)Rank
Total interest income$15,132,0001,273
Total interest expense$6,096,0001,285
Net interest income$9,036,0001,265
Provision for loan and lease losses$06,419
Total noninterest income$195,0005,705
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$328,0002,482
Trading account gains and fees$0126
Additional Noninterest Income$-133,0008,774
Total noninterest expense$4,412,0001,997
Salaries and employee benefits$2,472,0001,963
Premises and equipment expense$639,0001,976
Additional noninterest expense$1,301,0002,020
Pre-tax net operating income$4,819,0001,052
Securities gains (losses)$-531,0008,706
Applicable income taxes$1,629,000922
Income before extraordinary items$2,659,0001,409
Extraordinary gains, net$039
Net income$2,659,0001,410
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,0007,722
Cash dividends$5,000,000371
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,998,8401,233
2006-03-31 (YTD Data)Rank
Total interest income$7,649,0001,248
Total interest expense$3,072,0001,196
Net interest income$4,577,0001,240
Provision for loan and lease losses$06,013
Total noninterest income$-46,0008,780
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$167,0002,379
Trading account gains and fees$0115
Additional Noninterest Income$-213,0008,793
Total noninterest expense$2,283,0001,949
Salaries and employee benefits$1,249,0001,960
Premises and equipment expense$317,0001,995
Additional noninterest expense$717,0001,822
Pre-tax net operating income$2,248,0001,099
Securities gains (losses)$-212,0008,713
Applicable income taxes$774,000958
Income before extraordinary items$1,262,0001,443
Extraordinary gains, net$021
Net income$1,262,0001,442
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0003,757
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,397,6801,293
2005-12-31 (YTD Data)Rank
Total interest income$28,472,0001,165
Total interest expense$9,567,0001,179
Net interest income$18,905,0001,135
Provision for loan and lease losses$07,120
Total noninterest income$1,119,0003,286
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$786,0002,137
Trading account gains and fees$0138
Additional Noninterest Income$333,0004,116
Total noninterest expense$8,698,0001,935
Salaries and employee benefits$4,647,0001,979
Premises and equipment expense$1,255,0001,919
Additional noninterest expense$2,796,0001,805
Pre-tax net operating income$11,326,000872
Securities gains (losses)$02,296
Applicable income taxes$4,304,000724
Income before extraordinary items$7,022,0001,037
Extraordinary gains, net$046
Net income$7,022,0001,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-28,0008,352
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$7,022,0001,013
2005-09-30 (YTD Data)Rank
Total interest income$21,336,0001,128
Total interest expense$6,835,0001,161
Net interest income$14,501,0001,106
Provision for loan and lease losses$06,899
Total noninterest income$817,0003,359
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$593,0002,120
Trading account gains and fees$0126
Additional Noninterest Income$224,0004,362
Total noninterest expense$6,394,0001,949
Salaries and employee benefits$3,264,0002,097
Premises and equipment expense$1,025,0001,764
Additional noninterest expense$2,105,0001,775
Pre-tax net operating income$8,924,000826
Securities gains (losses)$02,317
Applicable income taxes$3,391,000702
Income before extraordinary items$5,533,000973
Extraordinary gains, net$035
Net income$5,533,000974
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-26,0008,265
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$5,533,000954
2005-06-30 (YTD Data)Rank
Total interest income$14,008,0001,105
Total interest expense$4,393,0001,130
Net interest income$9,615,0001,093
Provision for loan and lease losses$06,626
Total noninterest income$536,0003,357
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$388,0002,121
Trading account gains and fees$0116
Additional Noninterest Income$148,0004,350
Total noninterest expense$4,130,0001,991
Salaries and employee benefits$2,067,0002,188
Premises and equipment expense$681,0001,757
Additional noninterest expense$1,382,0001,783
Pre-tax net operating income$6,021,000795
Securities gains (losses)$02,146
Applicable income taxes$2,288,000684
Income before extraordinary items$3,733,000936
Extraordinary gains, net$030
Net income$3,733,000937
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0004,491
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$3,733,000917
2005-03-31 (YTD Data)Rank
Total interest income$6,817,0001,115
Total interest expense$2,074,0001,135
Net interest income$4,743,0001,103
Provision for loan and lease losses$06,226
Total noninterest income$276,0003,240
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$198,0002,016
Trading account gains and fees$0115
Additional Noninterest Income$78,0004,243
Total noninterest expense$2,132,0001,944
Salaries and employee benefits$1,095,0002,086
Premises and equipment expense$327,0001,835
Additional noninterest expense$710,0001,738
Pre-tax net operating income$2,887,000821
Securities gains (losses)$01,685
Applicable income taxes$1,097,000711
Income before extraordinary items$1,790,000972
Extraordinary gains, net$024
Net income$1,790,000973
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0003,295
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$1,790,000950
2004-12-31 (YTD Data)Rank
Total interest income$25,641,0001,105
Total interest expense$5,914,0001,392
Net interest income$19,727,0001,009
Provision for loan and lease losses$950,0001,095
Total noninterest income$1,008,0003,514
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$825,0002,087
Trading account gains and fees$0138
Additional Noninterest Income$183,0005,292
Total noninterest expense$8,858,0001,827
Salaries and employee benefits$4,522,0001,930
Premises and equipment expense$1,322,0001,747
Additional noninterest expense$3,014,0001,618
Pre-tax net operating income$10,927,000806
Securities gains (losses)$5,0003,151
Applicable income taxes$3,619,000773
Income before extraordinary items$7,313,000901
Extraordinary gains, net$034
Net income$7,313,000902
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-262,0008,898
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$7,309,650864
2004-09-30 (YTD Data)Rank
Total interest income$18,594,0001,123
Total interest expense$4,028,0001,504
Net interest income$14,566,0001,016
Provision for loan and lease losses$400,0001,766
Total noninterest income$722,0003,661
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$623,0002,092
Trading account gains and fees$0134
Additional Noninterest Income$99,0005,932
Total noninterest expense$6,622,0001,821
Salaries and employee benefits$3,327,0001,961
Premises and equipment expense$981,0001,768
Additional noninterest expense$2,314,0001,569
Pre-tax net operating income$8,266,000804
Securities gains (losses)$5,0003,038
Applicable income taxes$3,158,000693
Income before extraordinary items$5,113,000977
Extraordinary gains, net$026
Net income$5,113,000978
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-178,0008,897
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$5,109,800940
2004-06-30 (YTD Data)Rank
Total interest income$11,933,0001,151
Total interest expense$2,477,0001,603
Net interest income$9,456,0001,038
Provision for loan and lease losses$06,885
Total noninterest income$432,0003,922
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$417,0002,066
Trading account gains and fees$0130
Additional Noninterest Income$15,0008,015
Total noninterest expense$4,420,0001,807
Salaries and employee benefits$2,181,0001,996
Premises and equipment expense$609,0001,872
Additional noninterest expense$1,630,0001,484
Pre-tax net operating income$5,468,000801
Securities gains (losses)$03,413
Applicable income taxes$2,093,000700
Income before extraordinary items$3,375,000969
Extraordinary gains, net$021
Net income$3,375,000970
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-104,0008,890
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$3,375,000933
2004-03-31 (YTD Data)Rank
Total interest income$5,835,0001,189
Total interest expense$1,198,0001,678
Net interest income$4,637,0001,063
Provision for loan and lease losses$06,501
Total noninterest income$294,0003,156
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$209,0001,993
Trading account gains and fees$0121
Additional Noninterest Income$85,0004,044
Total noninterest expense$2,222,0001,812
Salaries and employee benefits$1,045,0002,108
Premises and equipment expense$313,0001,853
Additional noninterest expense$864,0001,399
Pre-tax net operating income$2,709,000807
Securities gains (losses)$02,934
Applicable income taxes$1,044,000709
Income before extraordinary items$1,665,000981
Extraordinary gains, net$016
Net income$1,665,000981
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$1,665,000930
2003-12-31 (YTD Data)Rank
Total interest income$22,369,0001,271
Total interest expense$4,311,0002,067
Net interest income$18,058,0001,061
Provision for loan and lease losses$1,157,0001,034
Total noninterest income$1,121,0003,459
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$926,0001,865
Trading account gains and fees$0160
Additional Noninterest Income$195,0005,337
Total noninterest expense$7,115,0002,212
Salaries and employee benefits$3,626,0002,340
Premises and equipment expense$891,0002,508
Additional noninterest expense$2,598,0001,860
Pre-tax net operating income$10,907,000795
Securities gains (losses)$04,500
Applicable income taxes$4,063,000732
Income before extraordinary items$6,844,000942
Extraordinary gains, net$054
Net income$6,844,000944
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$460,0001,716
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$6,844,000884
2003-09-30 (YTD Data)Rank
Total interest income$16,424,0001,317
Total interest expense$3,243,0002,146
Net interest income$13,181,0001,113
Provision for loan and lease losses$1,000,000896
Total noninterest income$818,0003,601
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$697,0001,853
Trading account gains and fees$0153
Additional Noninterest Income$121,0005,725
Total noninterest expense$5,166,0002,292
Salaries and employee benefits$2,460,0002,566
Premises and equipment expense$664,0002,537
Additional noninterest expense$2,042,0001,770
Pre-tax net operating income$7,833,000855
Securities gains (losses)$04,204
Applicable income taxes$3,133,000741
Income before extraordinary items$4,700,0001,073
Extraordinary gains, net$040
Net income$4,700,0001,074
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,967
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$4,700,0001,001
2003-06-30 (YTD Data)Rank
Total interest income$10,592,0001,381
Total interest expense$2,217,0002,161
Net interest income$8,375,0001,173
Provision for loan and lease losses$07,324
Total noninterest income$495,0003,762
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$460,0001,841
Trading account gains and fees$0150
Additional Noninterest Income$35,0007,146
Total noninterest expense$3,293,0002,385
Salaries and employee benefits$1,559,0002,693
Premises and equipment expense$421,0002,645
Additional noninterest expense$1,313,0001,839
Pre-tax net operating income$5,577,000801
Securities gains (losses)$03,782
Applicable income taxes$2,231,000707
Income before extraordinary items$3,346,000999
Extraordinary gains, net$030
Net income$3,346,0001,000
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0007,782
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$3,346,000919
2003-03-31 (YTD Data)Rank
Total interest income$5,031,0001,474
Total interest expense$1,135,0002,155
Net interest income$3,896,0001,253
Provision for loan and lease losses$06,934
Total noninterest income$306,0003,204
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$229,0001,791
Trading account gains and fees$0134
Additional Noninterest Income$77,0004,426
Total noninterest expense$1,600,0002,427
Salaries and employee benefits$756,0002,747
Premises and equipment expense$197,0002,795
Additional noninterest expense$647,0001,819
Pre-tax net operating income$2,602,000870
Securities gains (losses)$02,891
Applicable income taxes$1,041,000770
Income before extraordinary items$1,561,0001,060
Extraordinary gains, net$021
Net income$1,561,0001,059
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0007,386
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$1,561,000984
2002-12-31 (YTD Data)Rank
Total interest income$19,245,0001,596
Total interest expense$5,089,0002,207
Net interest income$14,156,0001,369
Provision for loan and lease losses$1,108,0001,230
Total noninterest income$1,347,0002,834
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$921,0001,740
Trading account gains and fees$0153
Additional Noninterest Income$426,0003,586
Total noninterest expense$6,012,0002,456
Salaries and employee benefits$3,011,0002,621
Premises and equipment expense$715,0002,952
Additional noninterest expense$2,286,0002,018
Pre-tax net operating income$8,383,0001,004
Securities gains (losses)$04,537
Applicable income taxes$3,353,000843
Income before extraordinary items$5,030,0001,249
Extraordinary gains, net$070
Net income$5,030,0001,249
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$808,0001,150
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$5,030,0001,196
2001-12-31 (YTD Data)Rank
Total interest income$17,170,0001,994
Total interest expense$7,143,0002,242
Net interest income$10,027,0001,778
Provision for loan and lease losses$190,0004,243
Total noninterest income$1,264,0002,833
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$879,0001,725
Trading account gains and fees$0177
Additional Noninterest Income$385,0003,616
Total noninterest expense$5,115,0002,776
Salaries and employee benefits$2,936,0002,560
Premises and equipment expense$562,0003,551
Additional noninterest expense$1,617,0002,692
Pre-tax net operating income$5,986,0001,251
Securities gains (losses)$04,612
Applicable income taxes$2,366,0001,018
Income before extraordinary items$3,620,0001,486
Extraordinary gains, net$0105
Net income$3,620,0001,489
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,0008,917
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$3,620,0001,427
2000-12-31 (YTD Data)Rank
Total interest income$17,687,0001,992
Total interest expense$7,185,0002,354
Net interest income$10,502,0001,675
Provision for loan and lease losses$436,0002,105
Total noninterest income$1,266,0002,652
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,066,0001,273
Trading account gains and fees$0180
Additional Noninterest Income$200,0004,803
Total noninterest expense$5,200,0002,620
Salaries and employee benefits$3,149,0002,263
Premises and equipment expense$422,0004,336
Additional noninterest expense$1,629,0002,616
Pre-tax net operating income$6,132,0001,206
Securities gains (losses)$01,956
Applicable income taxes$2,330,0001,021
Income before extraordinary items$3,802,0001,387
Extraordinary gains, net$038
Net income$3,802,0001,389
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0007,220
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$3,802,0001,381
1999-12-31 (YTD Data)Rank
Total interest income$12,192,0002,667
Total interest expense$4,159,0003,471
Net interest income$8,033,0002,184
Provision for loan and lease losses$448,0001,932
Total noninterest income$1,299,0002,536
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,074,0001,237
Trading account gains and feesNANA
Additional Noninterest Income$225,0004,668
Total noninterest expense$5,030,0002,682
Salaries and employee benefits$2,623,0002,681
Premises and equipment expense$636,0003,097
Additional noninterest expense$1,771,0002,455
Pre-tax net operating income$3,854,0001,907
Securities gains (losses)$03,155
Applicable income taxes$1,488,0001,614
Income before extraordinary items$2,366,0002,213
Extraordinary gains, net$035
Net income$2,366,0002,214
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0004,426
Cash dividends$2,500,0001,126
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,366,0002,184
1998-12-31 (YTD Data)Rank
Total interest income$9,853,0003,275
Total interest expense$2,573,0005,258
Net interest income$7,280,0002,344
Provision for loan and lease losses$200,0003,499
Total noninterest income$1,365,0002,439
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,086,0001,163
Trading account gains and feesNANA
Additional Noninterest Income$279,0004,174
Total noninterest expense$4,247,0003,061
Salaries and employee benefits$2,360,0002,876
Premises and equipment expense$669,0002,880
Additional noninterest expense$1,218,0003,322
Pre-tax net operating income$4,198,0001,747
Securities gains (losses)$-5,00010,072
Applicable income taxes$1,592,0001,540
Income before extraordinary items$2,601,0002,011
Extraordinary gains, net$032
Net income$2,601,0002,010
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$77,0004,126
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,604,2001,936
1997-12-31 (YTD Data)Rank
Total interest income$9,318,0003,467
Total interest expense$2,158,0005,964
Net interest income$7,160,0002,428
Provision for loan and lease losses$180,0003,648
Total noninterest income$1,455,0002,258
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,185,0001,060
Trading account gains and feesNANA
Additional Noninterest Income$270,0004,175
Total noninterest expense$4,349,0002,923
Salaries and employee benefits$2,201,0003,014
Premises and equipment expense$651,0002,933
Additional noninterest expense$1,497,0002,741
Pre-tax net operating income$4,086,0001,852
Securities gains (losses)$03,944
Applicable income taxes$1,497,0001,705
Income before extraordinary items$2,589,0002,042
Extraordinary gains, net$044
Net income$2,589,0002,041
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$139,0003,170
Cash dividends$1,200,0001,883
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,589,0001,993
1996-12-31 (YTD Data)Rank
Total interest income$7,991,0004,042
Total interest expense$2,208,0006,035
Net interest income$5,783,0003,060
Provision for loan and lease losses$116,0004,790
Total noninterest income$1,451,0002,357
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,258,0001,045
Trading account gains and feesNANA
Additional Noninterest Income$193,0005,277
Total noninterest expense$4,196,0003,201
Salaries and employee benefits$1,925,0003,456
Premises and equipment expense$621,0003,108
Additional noninterest expense$1,650,0002,885
Pre-tax net operating income$2,922,0002,428
Securities gains (losses)$38,0001,523
Applicable income taxes$1,053,0002,237
Income before extraordinary items$1,907,0002,554
Extraordinary gains, net$053
Net income$1,907,0002,556
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$131,0003,426
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,882,6802,542
1995-12-31 (YTD Data)Rank
Total interest income$4,046,0006,934
Total interest expense$1,055,0009,057
Net interest income$2,991,0005,505
Provision for loan and lease losses$08,958
Total noninterest income$1,209,0002,704
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,027,0001,320
Trading account gains and feesNANA
Additional Noninterest Income$182,0005,396
Total noninterest expense$3,279,0003,972
Salaries and employee benefits$1,300,0004,861
Premises and equipment expense$450,0004,111
Additional noninterest expense$1,529,0003,048
Pre-tax net operating income$921,0006,318
Securities gains (losses)$89,0001,008
Applicable income taxes$349,0005,456
Income before extraordinary items$661,0006,230
Extraordinary gains, net$065
Net income$661,0006,228
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-11,00010,724
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$-351,00010,498
Net operating income$603,1506,585
1994-12-31 (YTD Data)Rank
Total interest income$3,799,0006,946
Total interest expense$1,031,0008,555
Net interest income$2,768,0005,977
Provision for loan and lease losses$09,146
Total noninterest income$1,727,0002,063
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,080,0001,229
Trading account gains and feesNANA
Additional Noninterest Income$647,0002,464
Total noninterest expense$3,802,0003,578
Salaries and employee benefits$1,777,0003,661
Premises and equipment expense$421,0004,395
Additional noninterest expense$1,604,0003,120
Pre-tax net operating income$693,0007,427
Securities gains (losses)$-22,00010,411
Applicable income taxes$-225,00012,400
Income before extraordinary items$896,0004,933
Extraordinary gains, net$0249
Net income$896,0004,938
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-69,00012,053
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$918,0004,888
1993-12-31 (YTD Data)Rank
Total interest income$3,722,0007,229
Total interest expense$1,126,0008,574
Net interest income$2,596,0006,370
Provision for loan and lease losses$010,371
Total noninterest income$2,033,0001,954
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,550,000839
Trading account gains and feesNANA
Additional Noninterest Income$483,0003,337
Total noninterest expense$4,520,0003,105
Salaries and employee benefits$1,808,0003,598
Premises and equipment expense$557,0003,540
Additional noninterest expense$2,155,0002,566
Pre-tax net operating income$109,00011,801
Securities gains (losses)$426,0001,005
Applicable income taxes$012,141
Income before extraordinary items$535,0007,270
Extraordinary gains, net$187,0001,064
Net income$722,0006,132
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-24,00012,247
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$109,00011,508
1992-12-31 (YTD Data)Rank
Total interest income$4,566,0006,810
Total interest expense$1,854,0007,467
Net interest income$2,712,0006,195
Provision for loan and lease losses$011,756
Total noninterest income$1,944,0001,972
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,640,000800
Trading account gains and feesNANA
Additional Noninterest Income$304,0004,389
Total noninterest expense$4,325,0003,273
Salaries and employee benefits$1,990,0003,221
Premises and equipment expense$741,0002,787
Additional noninterest expense$1,594,0003,412
Pre-tax net operating income$331,0009,862
Securities gains (losses)$112,0002,830
Applicable income taxes$146,0008,720
Income before extraordinary items$297,0009,372
Extraordinary gains, net$146,000576
Net income$443,0007,918
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$266,0003,585
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$221,9609,952

* 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.