Riverside National Bank of Florida, Income and Expense

2010-03-31 (YTD Data)Rank
Total interest income$35,886,000240
Total interest expense$16,779,000147
Net interest income$19,107,000306
Provision for loan and lease losses$18,831,000144
Total noninterest income$7,188,000297
Gross Fiduciary activities income$171,000493
Service charges on deposit accounts$4,982,00096
Trading account gains and fees$-27,0007,899
Additional Noninterest Income$2,062,000473
Total noninterest expense$24,974,000219
Salaries and employee benefits$10,128,000235
Premises and equipment expense$4,201,000167
Additional noninterest expense$10,645,000222
Pre-tax net operating income$-17,510,0007,885
Securities gains (losses)$-1,244,0007,883
Applicable income taxes$67,0002,520
Income before extraordinary items$-18,821,0007,882
Extraordinary gains, net$016
Net income$-18,821,0007,883
Minority interest net income$091
Net income of bank and minority interests.$-18,821,0007,883
Net charge-offs$23,022,000124
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$56,000390
Net operating income$-17,577,0007,884
2009-12-31 (YTD Data)Rank
Total interest income$168,659,000216
Total interest expense$79,448,000154
Net interest income$89,211,000264
Provision for loan and lease losses$130,991,000125
Total noninterest income$30,817,000290
Gross Fiduciary activities income$692,000472
Service charges on deposit accounts$24,476,00083
Trading account gains and fees$1,565,00082
Additional Noninterest Income$4,084,000832
Total noninterest expense$118,612,000204
Salaries and employee benefits$42,846,000214
Premises and equipment expense$16,979,000164
Additional noninterest expense$58,787,000198
Pre-tax net operating income$-129,575,0007,943
Securities gains (losses)$-25,533,0007,976
Applicable income taxes$-24,215,0007,933
Income before extraordinary items$-130,893,0007,950
Extraordinary gains, net$034
Net income$-130,893,0007,949
Minority interest net income$0115
Net income of bank and minority interests.$-130,893,0007,949
Net charge-offs$115,001,000112
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$-101,0007,941
Net operating income$-109,445,2807,939
2009-09-30 (YTD Data)Rank
Total interest income$131,791,000224
Total interest expense$61,515,000163
Net interest income$70,276,000262
Provision for loan and lease losses$111,467,000117
Total noninterest income$24,751,000277
Gross Fiduciary activities income$531,000463
Service charges on deposit accounts$18,513,00084
Trading account gains and fees$820,00099
Additional Noninterest Income$4,887,000603
Total noninterest expense$94,590,000203
Salaries and employee benefits$33,273,000214
Premises and equipment expense$13,199,000167
Additional noninterest expense$48,118,000189
Pre-tax net operating income$-111,030,0008,039
Securities gains (losses)$-23,537,0008,067
Applicable income taxes$-308,0007,208
Income before extraordinary items$-134,259,0008,046
Extraordinary gains, net$027
Net income$-134,259,0008,045
Minority interest net income$0118
Net income of bank and minority interests.$-134,259,0008,045
Net charge-offs$85,263,000113
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$230,000559
Net operating income$-110,722,0008,038
2009-06-30 (YTD Data)Rank
Total interest income$91,282,000224
Total interest expense$41,566,000173
Net interest income$49,716,000249
Provision for loan and lease losses$66,622,000129
Total noninterest income$4,197,000745
Gross Fiduciary activities income$337,000478
Service charges on deposit accounts$11,974,00087
Trading account gains and fees$338,000105
Additional Noninterest Income$-8,452,0008,192
Total noninterest expense$54,586,000229
Salaries and employee benefits$22,696,000218
Premises and equipment expense$8,662,000173
Additional noninterest expense$23,228,000236
Pre-tax net operating income$-67,295,0008,123
Securities gains (losses)$-15,039,0008,160
Applicable income taxes$-388,0007,505
Income before extraordinary items$-81,946,0008,132
Extraordinary gains, net$021
Net income$-81,946,0008,131
Minority interest net income$0112
Net income of bank and minority interests.$-81,946,0008,131
Net charge-offs$46,351,000130
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$120,000564
Net operating income$-66,907,0008,121
2009-03-31 (YTD Data)Rank
Total interest income$46,889,000220
Total interest expense$21,702,000175
Net interest income$25,187,000244
Provision for loan and lease losses$39,427,000123
Total noninterest income$8,130,000258
Gross Fiduciary activities income$173,000474
Service charges on deposit accounts$5,750,00089
Trading account gains and fees$340,00083
Additional Noninterest Income$1,867,000531
Total noninterest expense$24,471,000239
Salaries and employee benefits$11,560,000211
Premises and equipment expense$4,481,000173
Additional noninterest expense$8,430,000260
Pre-tax net operating income$-30,581,0008,167
Securities gains (losses)$640,000267
Applicable income taxes$-832,0007,962
Income before extraordinary items$-29,109,0008,178
Extraordinary gains, net$015
Net income$-29,109,0008,178
Minority interest net income$0102
Net income of bank and minority interests.$-29,109,0008,178
Net charge-offs$21,614,000122
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$60,000454
Net operating income$-29,729,8008,176
2008-12-31 (YTD Data)Rank
Total interest income$245,898,000189
Total interest expense$114,270,000166
Net interest income$131,628,000201
Provision for loan and lease losses$90,303,000125
Total noninterest income$15,173,000430
Gross Fiduciary activities income$812,000457
Service charges on deposit accounts$28,501,00077
Trading account gains and fees$-26,721,0008,288
Additional Noninterest Income$12,581,000328
Total noninterest expense$141,714,000185
Salaries and employee benefits$51,216,000188
Premises and equipment expense$17,376,000169
Additional noninterest expense$73,122,000172
Pre-tax net operating income$-85,216,0008,229
Securities gains (losses)$-61,249,0008,268
Applicable income taxes$-7,604,0008,165
Income before extraordinary items$-138,861,0008,250
Extraordinary gains, net$039
Net income$-138,861,0008,250
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,374,000151
Cash dividends$26,750,000141
Sale, conversion, retirement of capital stock, net$1,304,000389
Net operating income$-80,674,4508,226
2008-09-30 (YTD Data)Rank
Total interest income$192,985,000192
Total interest expense$89,142,000172
Net interest income$103,843,000200
Provision for loan and lease losses$52,143,000131
Total noninterest income$5,945,000757
Gross Fiduciary activities income$648,000447
Service charges on deposit accounts$21,897,00078
Trading account gains and fees$-26,245,0008,365
Additional Noninterest Income$9,645,000352
Total noninterest expense$77,707,000228
Salaries and employee benefits$39,817,000189
Premises and equipment expense$13,417,000174
Additional noninterest expense$24,473,000259
Pre-tax net operating income$-20,062,0008,286
Securities gains (losses)$-42,079,0008,346
Applicable income taxes$-30,053,0008,346
Income before extraordinary items$-32,088,0008,305
Extraordinary gains, net$031
Net income$-32,088,0008,304
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,362,000147
Cash dividends$26,749,000117
Sale, conversion, retirement of capital stock, net$1,220,000277
Net operating income$-5,157,4408,168
2008-06-30 (YTD Data)Rank
Total interest income$134,317,000192
Total interest expense$63,269,000173
Net interest income$71,048,000200
Provision for loan and lease losses$28,503,000143
Total noninterest income$16,812,000263
Gross Fiduciary activities income$436,000453
Service charges on deposit accounts$14,310,00079
Trading account gains and fees$-5,117,0008,429
Additional Noninterest Income$7,183,000334
Total noninterest expense$52,426,000225
Salaries and employee benefits$26,933,000191
Premises and equipment expense$9,092,000172
Additional noninterest expense$16,401,000253
Pre-tax net operating income$6,931,000521
Securities gains (losses)$-22,929,0008,434
Applicable income taxes$-10,433,0008,399
Income before extraordinary items$-5,565,0008,327
Extraordinary gains, net$021
Net income$-5,565,0008,326
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,632,000156
Cash dividends$12,500,000163
Sale, conversion, retirement of capital stock, net$1,064,000202
Net operating income$9,109,560306
2008-03-31 (YTD Data)Rank
Total interest income$69,812,000190
Total interest expense$34,784,000174
Net interest income$35,028,000200
Provision for loan and lease losses$11,114,000146
Total noninterest income$7,209,000297
Gross Fiduciary activities income$189,000495
Service charges on deposit accounts$6,963,00081
Trading account gains and fees$-3,769,0008,473
Additional Noninterest Income$3,826,000321
Total noninterest expense$26,265,000224
Salaries and employee benefits$13,617,000193
Premises and equipment expense$4,567,000170
Additional noninterest expense$8,081,000243
Pre-tax net operating income$4,858,000417
Securities gains (losses)$468,000252
Applicable income taxes$165,0002,201
Income before extraordinary items$5,161,000310
Extraordinary gains, net$015
Net income$5,161,000311
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,914,000128
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$520,000129
Net operating income$4,707,040317
2007-12-31 (YTD Data)Rank
Total interest income$287,239,000190
Total interest expense$166,728,000168
Net interest income$120,511,000213
Provision for loan and lease losses$13,963,000204
Total noninterest income$53,808,000189
Gross Fiduciary activities income$768,000487
Service charges on deposit accounts$31,445,00076
Trading account gains and fees$2,804,00057
Additional Noninterest Income$18,791,000274
Total noninterest expense$103,884,000215
Salaries and employee benefits$54,656,000185
Premises and equipment expense$18,665,000160
Additional noninterest expense$30,563,000250
Pre-tax net operating income$56,472,000211
Securities gains (losses)$-13,946,0008,509
Applicable income taxes$7,595,000406
Income before extraordinary items$34,931,000234
Extraordinary gains, net$039
Net income$34,931,000231
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,051,000159
Cash dividends$17,550,000275
Sale, conversion, retirement of capital stock, net$2,909,000322
Net operating income$46,366,720185
2007-09-30 (YTD Data)Rank
Total interest income$211,279,000190
Total interest expense$122,622,000167
Net interest income$88,657,000216
Provision for loan and lease losses$8,500,000176
Total noninterest income$37,821,000196
Gross Fiduciary activities income$540,000506
Service charges on deposit accounts$23,292,00073
Trading account gains and fees$0184
Additional Noninterest Income$13,989,000275
Total noninterest expense$77,565,000214
Salaries and employee benefits$41,172,000182
Premises and equipment expense$13,823,000158
Additional noninterest expense$22,570,000241
Pre-tax net operating income$40,413,000232
Securities gains (losses)$433,000255
Applicable income taxes$10,476,000281
Income before extraordinary items$30,370,000223
Extraordinary gains, net$033
Net income$30,370,000221
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,734,000143
Cash dividends$11,850,000297
Sale, conversion, retirement of capital stock, net$1,664,000285
Net operating income$30,049,580220
2007-06-30 (YTD Data)Rank
Total interest income$137,077,000206
Total interest expense$78,173,000186
Net interest income$58,904,000230
Provision for loan and lease losses$3,800,000214
Total noninterest income$25,423,000209
Gross Fiduciary activities income$360,000513
Service charges on deposit accounts$15,041,00082
Trading account gains and fees$0168
Additional Noninterest Income$10,022,000280
Total noninterest expense$51,570,000224
Salaries and employee benefits$27,829,000194
Premises and equipment expense$8,533,000183
Additional noninterest expense$15,208,000254
Pre-tax net operating income$28,957,000238
Securities gains (losses)$87,000433
Applicable income taxes$7,859,000281
Income before extraordinary items$21,185,000226
Extraordinary gains, net$029
Net income$21,185,000225
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,531,000185
Cash dividends$400,0002,742
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$21,121,490226
2007-03-31 (YTD Data)Rank
Total interest income$67,842,000204
Total interest expense$38,584,000189
Net interest income$29,258,000229
Provision for loan and lease losses$1,300,000238
Total noninterest income$10,825,000230
Gross Fiduciary activities income$161,000545
Service charges on deposit accounts$7,122,00082
Trading account gains and fees$0195
Additional Noninterest Income$3,542,000346
Total noninterest expense$25,921,000217
Salaries and employee benefits$13,940,000195
Premises and equipment expense$4,326,000177
Additional noninterest expense$7,655,000247
Pre-tax net operating income$12,862,000273
Securities gains (losses)$81,000339
Applicable income taxes$3,364,000315
Income before extraordinary items$9,579,000248
Extraordinary gains, net$022
Net income$9,579,000246
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,345,000196
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$9,519,060249
2006-12-31 (YTD Data)Rank
Total interest income$233,628,000212
Total interest expense$119,957,000195
Net interest income$113,671,000234
Provision for loan and lease losses$6,975,000186
Total noninterest income$46,753,000203
Gross Fiduciary activities income$642,000529
Service charges on deposit accounts$30,793,00076
Trading account gains and fees$0130
Additional Noninterest Income$15,318,000320
Total noninterest expense$96,427,000222
Salaries and employee benefits$53,548,000189
Premises and equipment expense$15,299,000182
Additional noninterest expense$27,580,000258
Pre-tax net operating income$57,022,000249
Securities gains (losses)$1,898,000115
Applicable income taxes$17,466,000265
Income before extraordinary items$41,454,000230
Extraordinary gains, net$051
Net income$41,454,000229
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,956,000157
Cash dividends$7,648,000490
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$40,125,400237
2006-09-30 (YTD Data)Rank
Total interest income$166,142,000230
Total interest expense$81,180,000214
Net interest income$84,962,000246
Provision for loan and lease losses$6,225,000165
Total noninterest income$36,124,000213
Gross Fiduciary activities income$473,000530
Service charges on deposit accounts$23,184,00081
Trading account gains and fees$0126
Additional Noninterest Income$12,467,000318
Total noninterest expense$70,376,000236
Salaries and employee benefits$39,706,000202
Premises and equipment expense$10,946,000197
Additional noninterest expense$19,724,000273
Pre-tax net operating income$44,485,000255
Securities gains (losses)$211,000327
Applicable income taxes$12,680,000289
Income before extraordinary items$32,016,000241
Extraordinary gains, net$045
Net income$32,016,000241
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,494,000169
Cash dividends$7,648,000368
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$31,864,080243
2006-06-30 (YTD Data)Rank
Total interest income$104,577,000240
Total interest expense$47,619,000225
Net interest income$56,958,000250
Provision for loan and lease losses$4,625,000145
Total noninterest income$24,299,000223
Gross Fiduciary activities income$301,000551
Service charges on deposit accounts$15,064,00085
Trading account gains and fees$0126
Additional Noninterest Income$8,934,000304
Total noninterest expense$45,768,000244
Salaries and employee benefits$26,216,000209
Premises and equipment expense$7,082,000205
Additional noninterest expense$12,470,000287
Pre-tax net operating income$30,864,000245
Securities gains (losses)$17,000643
Applicable income taxes$9,030,000280
Income before extraordinary items$21,851,000244
Extraordinary gains, net$039
Net income$21,851,000245
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,655,000180
Cash dividends$7,648,000275
Sale, conversion, retirement of capital stock, net$0887
Net operating income$21,838,930241
2006-03-31 (YTD Data)Rank
Total interest income$49,262,000242
Total interest expense$20,803,000235
Net interest income$28,459,000249
Provision for loan and lease losses$2,625,000133
Total noninterest income$10,883,000236
Gross Fiduciary activities income$170,000514
Service charges on deposit accounts$6,704,00088
Trading account gains and fees$0115
Additional Noninterest Income$4,009,000317
Total noninterest expense$22,419,000248
Salaries and employee benefits$13,143,000207
Premises and equipment expense$3,353,000215
Additional noninterest expense$5,923,000291
Pre-tax net operating income$14,298,000263
Securities gains (losses)$0955
Applicable income taxes$4,172,000290
Income before extraordinary items$10,126,000253
Extraordinary gains, net$021
Net income$10,126,000252
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$683,000264
Cash dividends$5,698,000186
Sale, conversion, retirement of capital stock, net$0648
Net operating income$10,126,000252
2005-12-31 (YTD Data)Rank
Total interest income$150,181,000279
Total interest expense$46,235,000297
Net interest income$103,946,000253
Provision for loan and lease losses$10,000,000142
Total noninterest income$41,305,000244
Gross Fiduciary activities income$420,000625
Service charges on deposit accounts$24,277,00096
Trading account gains and fees$0138
Additional Noninterest Income$16,608,000318
Total noninterest expense$83,036,000255
Salaries and employee benefits$46,476,000219
Premises and equipment expense$13,254,000208
Additional noninterest expense$23,306,000300
Pre-tax net operating income$52,215,000271
Securities gains (losses)$3,164,000104
Applicable income taxes$16,716,000277
Income before extraordinary items$38,663,000246
Extraordinary gains, net$046
Net income$38,663,000247
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,515,000228
Cash dividends$8,386,000435
Sale, conversion, retirement of capital stock, net$0934
Net operating income$36,448,200255
2005-09-30 (YTD Data)Rank
Total interest income$106,211,000280
Total interest expense$29,538,000319
Net interest income$76,673,000251
Provision for loan and lease losses$7,000,000145
Total noninterest income$27,653,000257
Gross Fiduciary activities income$291,000634
Service charges on deposit accounts$17,191,000101
Trading account gains and fees$0126
Additional Noninterest Income$10,171,000356
Total noninterest expense$61,672,000259
Salaries and employee benefits$35,492,000216
Premises and equipment expense$9,406,000214
Additional noninterest expense$16,774,000304
Pre-tax net operating income$35,654,000292
Securities gains (losses)$3,164,00093
Applicable income taxes$10,925,000311
Income before extraordinary items$27,893,000259
Extraordinary gains, net$035
Net income$27,893,000260
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,822,000247
Cash dividends$8,386,000330
Sale, conversion, retirement of capital stock, net$0769
Net operating income$25,614,920273
2005-06-30 (YTD Data)Rank
Total interest income$66,567,000283
Total interest expense$16,484,000341
Net interest income$50,083,000256
Provision for loan and lease losses$4,000,000156
Total noninterest income$16,723,000269
Gross Fiduciary activities income$174,000664
Service charges on deposit accounts$10,656,000103
Trading account gains and fees$0116
Additional Noninterest Income$5,893,000391
Total noninterest expense$40,070,000256
Salaries and employee benefits$23,549,000212
Premises and equipment expense$6,021,000224
Additional noninterest expense$10,500,000315
Pre-tax net operating income$22,736,000296
Securities gains (losses)$3,164,00082
Applicable income taxes$7,614,000297
Income before extraordinary items$18,286,000256
Extraordinary gains, net$030
Net income$18,286,000256
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,674,000254
Cash dividends$8,386,000230
Sale, conversion, retirement of capital stock, net$0643
Net operating income$16,039,560281
2005-03-31 (YTD Data)Rank
Total interest income$31,536,000290
Total interest expense$7,204,000360
Net interest income$24,332,000265
Provision for loan and lease losses$1,800,000160
Total noninterest income$7,830,000277
Gross Fiduciary activities income$84,000681
Service charges on deposit accounts$4,829,000107
Trading account gains and fees$0115
Additional Noninterest Income$2,917,000373
Total noninterest expense$19,423,000263
Salaries and employee benefits$11,509,000220
Premises and equipment expense$2,859,000231
Additional noninterest expense$5,055,000325
Pre-tax net operating income$10,939,000300
Securities gains (losses)$3,060,00054
Applicable income taxes$4,266,000263
Income before extraordinary items$9,733,000249
Extraordinary gains, net$024
Net income$9,733,000249
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$586,000310
Cash dividends$8,385,000130
Sale, conversion, retirement of capital stock, net$0491
Net operating income$7,591,000286
2004-12-31 (YTD Data)Rank
Total interest income$120,313,000284
Total interest expense$27,747,000319
Net interest income$92,566,000273
Provision for loan and lease losses$5,850,000221
Total noninterest income$30,281,000290
Gross Fiduciary activities income$352,000653
Service charges on deposit accounts$20,266,000113
Trading account gains and fees$0138
Additional Noninterest Income$9,663,000421
Total noninterest expense$73,584,000275
Salaries and employee benefits$42,701,000225
Premises and equipment expense$11,792,000230
Additional noninterest expense$19,091,000337
Pre-tax net operating income$43,413,000286
Securities gains (losses)$8,660,00072
Applicable income taxes$15,868,000270
Income before extraordinary items$36,205,000252
Extraordinary gains, net$034
Net income$36,205,000253
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,586,000293
Cash dividends$5,507,000567
Sale, conversion, retirement of capital stock, net$0872
Net operating income$30,143,000278
2004-09-30 (YTD Data)Rank
Total interest income$87,916,000287
Total interest expense$20,422,000323
Net interest income$67,494,000279
Provision for loan and lease losses$4,050,000242
Total noninterest income$22,870,000294
Gross Fiduciary activities income$254,000657
Service charges on deposit accounts$15,587,000116
Trading account gains and fees$0134
Additional Noninterest Income$7,029,000438
Total noninterest expense$53,755,000286
Salaries and employee benefits$31,641,000230
Premises and equipment expense$8,032,000250
Additional noninterest expense$14,082,000338
Pre-tax net operating income$32,559,000285
Securities gains (losses)$8,660,00065
Applicable income taxes$12,800,000258
Income before extraordinary items$28,419,000249
Extraordinary gains, net$026
Net income$28,419,000250
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,450,000301
Cash dividends$3,770,000584
Sale, conversion, retirement of capital stock, net$0738
Net operating income$22,443,600280
2004-06-30 (YTD Data)Rank
Total interest income$57,366,000284
Total interest expense$13,364,000329
Net interest income$44,002,000278
Provision for loan and lease losses$2,700,000249
Total noninterest income$14,856,000301
Gross Fiduciary activities income$166,000672
Service charges on deposit accounts$10,190,000117
Trading account gains and fees$0130
Additional Noninterest Income$4,500,000445
Total noninterest expense$35,133,000288
Salaries and employee benefits$20,780,000230
Premises and equipment expense$4,791,000275
Additional noninterest expense$9,562,000335
Pre-tax net operating income$21,025,000286
Securities gains (losses)$6,953,00061
Applicable income taxes$8,943,000258
Income before extraordinary items$19,035,000245
Extraordinary gains, net$021
Net income$19,035,000246
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,798,000282
Cash dividends$2,370,000615
Sale, conversion, retirement of capital stock, net$0638
Net operating income$14,306,960280
2004-03-31 (YTD Data)Rank
Total interest income$29,312,000288
Total interest expense$6,990,000323
Net interest income$22,322,000280
Provision for loan and lease losses$1,500,000231
Total noninterest income$7,652,000289
Gross Fiduciary activities income$81,000688
Service charges on deposit accounts$4,848,000118
Trading account gains and fees$0121
Additional Noninterest Income$2,723,000386
Total noninterest expense$17,331,000288
Salaries and employee benefits$10,284,000238
Premises and equipment expense$2,402,000280
Additional noninterest expense$4,645,000336
Pre-tax net operating income$11,143,000271
Securities gains (losses)$4,852,00062
Applicable income taxes$5,301,000218
Income before extraordinary items$10,694,000227
Extraordinary gains, net$016
Net income$10,694,000228
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$807,000317
Cash dividends$570,0001,074
Sale, conversion, retirement of capital stock, net$0464
Net operating income$7,443,160265
2003-12-31 (YTD Data)Rank
Total interest income$119,170,000283
Total interest expense$32,627,000303
Net interest income$86,543,000272
Provision for loan and lease losses$6,569,000276
Total noninterest income$24,484,000353
Gross Fiduciary activities income$349,000663
Service charges on deposit accounts$17,656,000127
Trading account gains and fees$0160
Additional Noninterest Income$6,479,000624
Total noninterest expense$62,606,000311
Salaries and employee benefits$36,025,000270
Premises and equipment expense$9,288,000286
Additional noninterest expense$17,293,000368
Pre-tax net operating income$41,852,000281
Securities gains (losses)$2,972,000226
Applicable income taxes$14,685,000281
Income before extraordinary items$30,139,000279
Extraordinary gains, net$054
Net income$30,139,000280
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,664,000347
Cash dividends$3,930,000803
Sale, conversion, retirement of capital stock, net$0868
Net operating income$28,147,760273
2003-09-30 (YTD Data)Rank
Total interest income$87,972,000296
Total interest expense$24,952,000315
Net interest income$63,020,000284
Provision for loan and lease losses$4,748,000286
Total noninterest income$17,771,000374
Gross Fiduciary activities income$266,000664
Service charges on deposit accounts$14,246,000130
Trading account gains and fees$0153
Additional Noninterest Income$3,259,000877
Total noninterest expense$45,857,000323
Salaries and employee benefits$26,632,000274
Premises and equipment expense$6,672,000305
Additional noninterest expense$12,553,000387
Pre-tax net operating income$30,186,000296
Securities gains (losses)$2,810,000216
Applicable income taxes$10,937,000293
Income before extraordinary items$22,059,000301
Extraordinary gains, net$040
Net income$22,059,000301
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,579,000364
Cash dividends$3,730,000612
Sale, conversion, retirement of capital stock, net$0722
Net operating income$20,176,300289
2003-06-30 (YTD Data)Rank
Total interest income$58,481,000302
Total interest expense$17,331,000310
Net interest income$41,150,000294
Provision for loan and lease losses$3,300,000273
Total noninterest income$11,324,000382
Gross Fiduciary activities income$181,000662
Service charges on deposit accounts$9,052,000132
Trading account gains and fees$0150
Additional Noninterest Income$2,091,000891
Total noninterest expense$30,101,000330
Salaries and employee benefits$17,735,000276
Premises and equipment expense$4,184,000322
Additional noninterest expense$8,182,000398
Pre-tax net operating income$19,073,000308
Securities gains (losses)$2,801,000186
Applicable income taxes$7,405,000297
Income before extraordinary items$14,469,000304
Extraordinary gains, net$030
Net income$14,469,000305
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,527,000401
Cash dividends$3,730,000443
Sale, conversion, retirement of capital stock, net$0589
Net operating income$12,620,340306
2003-03-31 (YTD Data)Rank
Total interest income$28,593,000315
Total interest expense$8,847,000320
Net interest income$19,746,000305
Provision for loan and lease losses$1,800,000258
Total noninterest income$5,778,000384
Gross Fiduciary activities income$96,000658
Service charges on deposit accounts$4,427,000136
Trading account gains and fees$0134
Additional Noninterest Income$1,255,000755
Total noninterest expense$14,722,000331
Salaries and employee benefits$8,584,000286
Premises and equipment expense$2,044,000328
Additional noninterest expense$4,094,000395
Pre-tax net operating income$9,002,000314
Securities gains (losses)$994,000219
Applicable income taxes$3,268,000324
Income before extraordinary items$6,728,000315
Extraordinary gains, net$021
Net income$6,728,000316
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$825,000359
Cash dividends$1,330,000531
Sale, conversion, retirement of capital stock, net$0419
Net operating income$6,062,020315
2002-12-31 (YTD Data)Rank
Total interest income$114,952,000325
Total interest expense$38,972,000339
Net interest income$75,980,000322
Provision for loan and lease losses$6,087,000334
Total noninterest income$21,343,000386
Gross Fiduciary activities income$483,000583
Service charges on deposit accounts$16,628,000141
Trading account gains and fees$0153
Additional Noninterest Income$4,232,000788
Total noninterest expense$52,198,000360
Salaries and employee benefits$30,865,000296
Premises and equipment expense$7,165,000347
Additional noninterest expense$14,168,000441
Pre-tax net operating income$39,038,000297
Securities gains (losses)$3,410,000196
Applicable income taxes$14,328,000286
Income before extraordinary items$28,120,000287
Extraordinary gains, net$070
Net income$28,120,000287
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,003,000325
Cash dividends$8,534,000405
Sale, conversion, retirement of capital stock, net$0862
Net operating income$25,869,400292
2001-12-31 (YTD Data)Rank
Total interest income$99,043,000396
Total interest expense$43,074,000422
Net interest income$55,969,000377
Provision for loan and lease losses$2,168,000660
Total noninterest income$19,531,000395
Gross Fiduciary activities income$382,000667
Service charges on deposit accounts$13,194,000151
Trading account gains and fees$0177
Additional Noninterest Income$5,955,000580
Total noninterest expense$41,011,000423
Salaries and employee benefits$23,950,000333
Premises and equipment expense$6,169,000383
Additional noninterest expense$10,892,000543
Pre-tax net operating income$32,321,000297
Securities gains (losses)$235,0001,062
Applicable income taxes$11,653,000305
Income before extraordinary items$20,903,000315
Extraordinary gains, net$0105
Net income$20,903,000315
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,172,000542
Cash dividends$2,561,0001,053
Sale, conversion, retirement of capital stock, net$0922
Net operating income$20,752,600302
2000-12-31 (YTD Data)Rank
Total interest income$91,502,000441
Total interest expense$44,054,000460
Net interest income$47,448,000417
Provision for loan and lease losses$4,755,000331
Total noninterest income$17,528,000414
Gross Fiduciary activities income$1,565,000331
Service charges on deposit accounts$11,481,000156
Trading account gains and fees$0180
Additional Noninterest Income$4,482,000678
Total noninterest expense$37,426,000441
Salaries and employee benefits$21,135,000352
Premises and equipment expense$5,611,000405
Additional noninterest expense$10,680,000556
Pre-tax net operating income$22,795,000405
Securities gains (losses)$210,000402
Applicable income taxes$8,637,000373
Income before extraordinary items$14,368,000423
Extraordinary gains, net$038
Net income$14,368,000423
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,571,000417
Cash dividends$2,940,000985
Sale, conversion, retirement of capital stock, net$0969
Net operating income$14,233,600429
1999-12-31 (YTD Data)Rank
Total interest income$75,570,000499
Total interest expense$30,340,000557
Net interest income$45,230,000452
Provision for loan and lease losses$4,172,000338
Total noninterest income$14,836,000479
Gross Fiduciary activities income$1,177,000426
Service charges on deposit accounts$9,626,000184
Trading account gains and fees$0173
Additional Noninterest Income$4,033,000741
Total noninterest expense$34,632,000491
Salaries and employee benefits$19,134,000399
Premises and equipment expense$5,266,000442
Additional noninterest expense$10,232,000597
Pre-tax net operating income$21,262,000461
Securities gains (losses)$03,155
Applicable income taxes$7,758,000438
Income before extraordinary items$13,504,000491
Extraordinary gains, net$035
Net income$13,504,000491
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,097,000438
Cash dividends$3,500,000850
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$13,504,000484
1998-12-31 (YTD Data)Rank
Total interest income$69,205,000534
Total interest expense$29,470,000582
Net interest income$39,735,000486
Provision for loan and lease losses$4,990,000320
Total noninterest income$13,997,000481
Gross Fiduciary activities income$802,000511
Service charges on deposit accounts$8,524,000185
Trading account gains and fees$0224
Additional Noninterest Income$4,671,000681
Total noninterest expense$29,983,000531
Salaries and employee benefits$16,384,000443
Premises and equipment expense$4,044,000546
Additional noninterest expense$9,555,000609
Pre-tax net operating income$18,759,000464
Securities gains (losses)$04,449
Applicable income taxes$6,736,000455
Income before extraordinary items$12,023,000491
Extraordinary gains, net$032
Net income$12,023,000489
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,934,000381
Cash dividends$4,439,000707
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$12,023,000471
1997-12-31 (YTD Data)Rank
Total interest income$63,723,000576
Total interest expense$27,856,000612
Net interest income$35,867,000529
Provision for loan and lease losses$4,050,000360
Total noninterest income$10,337,000559
Gross Fiduciary activities income$551,000617
Service charges on deposit accounts$6,691,000225
Trading account gains and fees$0239
Additional Noninterest Income$3,095,000828
Total noninterest expense$25,526,000594
Salaries and employee benefits$14,061,000491
Premises and equipment expense$3,511,000596
Additional noninterest expense$7,954,000695
Pre-tax net operating income$16,628,000535
Securities gains (losses)$03,944
Applicable income taxes$6,026,000540
Income before extraordinary items$10,602,000567
Extraordinary gains, net$044
Net income$10,602,000567
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,244,000368
Cash dividends$3,729,000799
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$10,602,000549
1996-12-31 (YTD Data)Rank
Total interest income$54,599,000682
Total interest expense$23,104,000755
Net interest income$31,495,000634
Provision for loan and lease losses$1,895,000652
Total noninterest income$8,825,000642
Gross Fiduciary activities income$342,000822
Service charges on deposit accounts$5,335,000302
Trading account gains and fees$0262
Additional Noninterest Income$3,148,000856
Total noninterest expense$22,302,000723
Salaries and employee benefits$11,168,000630
Premises and equipment expense$3,207,000702
Additional noninterest expense$7,927,000810
Pre-tax net operating income$16,123,000537
Securities gains (losses)$04,148
Applicable income taxes$5,671,000535
Income before extraordinary items$10,452,000558
Extraordinary gains, net$053
Net income$10,452,000559
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,848,000604
Cash dividends$1,991,0001,308
Sale, conversion, retirement of capital stock, net$0953
Net operating income$10,452,000543
1995-12-31 (YTD Data)Rank
Total interest income$48,867,000773
Total interest expense$21,967,000814
Net interest income$26,900,000736
Provision for loan and lease losses$1,710,000642
Total noninterest income$8,351,000678
Gross Fiduciary activities income$76,0001,215
Service charges on deposit accounts$4,426,000372
Trading account gains and fees$0522
Additional Noninterest Income$3,849,000775
Total noninterest expense$19,511,000797
Salaries and employee benefits$9,660,000728
Premises and equipment expense$3,243,000708
Additional noninterest expense$6,608,000901
Pre-tax net operating income$14,030,000628
Securities gains (losses)$03,831
Applicable income taxes$5,055,000605
Income before extraordinary items$8,975,000654
Extraordinary gains, net$065
Net income$8,975,000654
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$914,000932
Cash dividends$275,0004,749
Sale, conversion, retirement of capital stock, net$0809
Net operating income$8,975,000647
1994-12-31 (YTD Data)Rank
Total interest income$37,971,000859
Total interest expense$13,582,000979
Net interest income$24,389,000787
Provision for loan and lease losses$900,000996
Total noninterest income$7,734,000695
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$3,687,000417
Trading account gains and fees$0475
Additional Noninterest Income$4,047,000726
Total noninterest expense$19,029,000841
Salaries and employee benefits$9,257,000747
Premises and equipment expense$2,782,000801
Additional noninterest expense$6,990,000912
Pre-tax net operating income$12,194,000674
Securities gains (losses)$03,600
Applicable income taxes$4,398,000632
Income before extraordinary items$7,796,000704
Extraordinary gains, net$0249
Net income$7,796,000705
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$942,000903
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$7,796,000714
1993-12-31 (YTD Data)Rank
Total interest income$32,366,000996
Total interest expense$10,587,0001,275
Net interest income$21,779,000864
Provision for loan and lease losses$1,650,000926
Total noninterest income$7,499,000737
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$2,847,000493
Trading account gains and fees$0532
Additional Noninterest Income$4,652,000709
Total noninterest expense$16,812,000961
Salaries and employee benefits$8,066,000859
Premises and equipment expense$2,430,000914
Additional noninterest expense$6,316,0001,049
Pre-tax net operating income$10,816,000671
Securities gains (losses)$07,477
Applicable income taxes$3,927,000660
Income before extraordinary items$6,889,000759
Extraordinary gains, net$03,149
Net income$6,889,000790
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$551,0001,667
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$6,889,000700
1992-12-31 (YTD Data)Rank
Total interest income$30,666,0001,195
Total interest expense$10,104,0001,704
Net interest income$20,562,000915
Provision for loan and lease losses$2,894,000860
Total noninterest income$7,762,000708
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$2,042,000667
Trading account gains and fees$0504
Additional Noninterest Income$5,720,000620
Total noninterest expense$14,868,0001,077
Salaries and employee benefits$7,052,000967
Premises and equipment expense$1,952,0001,140
Additional noninterest expense$5,864,0001,156
Pre-tax net operating income$10,562,000605
Securities gains (losses)$132,0002,579
Applicable income taxes$3,884,000611
Income before extraordinary items$6,810,000699
Extraordinary gains, net$01,422
Net income$6,810,000693
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,009,000959
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$6,725,520644

* 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.