Home > Sanderson State Bank > Income and Expense
Sanderson State Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,196,000 | 6,733 |
| Total interest expense | $1,049,000 | 6,227 |
| Net interest income | $1,147,000 | 7,022 |
| Provision for loan and lease losses | $395,000 | 3,102 |
| Total noninterest income | $-152,000 | 8,309 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $10,000 | 7,175 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-162,000 | 8,285 |
| Total noninterest expense | $1,352,000 | 6,488 |
| Salaries and employee benefits | $559,000 | 7,056 |
| Premises and equipment expense | $173,000 | 6,435 |
| Additional noninterest expense | $620,000 | 5,337 |
| Pre-tax net operating income | $-752,000 | 7,404 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-752,000 | 7,374 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-752,000 | 7,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,919 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-752,000 | 7,494 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,612,000 | 6,619 |
| Total interest expense | $754,000 | 6,208 |
| Net interest income | $858,000 | 6,817 |
| Provision for loan and lease losses | $375,000 | 2,238 |
| Total noninterest income | $-126,000 | 8,396 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $7,000 | 7,210 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-133,000 | 8,386 |
| Total noninterest expense | $966,000 | 6,352 |
| Salaries and employee benefits | $361,000 | 7,170 |
| Premises and equipment expense | $118,000 | 6,428 |
| Additional noninterest expense | $487,000 | 4,810 |
| Pre-tax net operating income | $-609,000 | 7,683 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-609,000 | 7,768 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-609,000 | 7,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,030 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-609,000 | 7,748 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $774,000 | 6,778 |
| Total interest expense | $399,000 | 6,256 |
| Net interest income | $375,000 | 7,127 |
| Provision for loan and lease losses | $100,000 | 2,696 |
| Total noninterest income | $-2,000 | 8,424 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $0 | 7,431 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-2,000 | 8,378 |
| Total noninterest expense | $361,000 | 7,035 |
| Salaries and employee benefits | $164,000 | 7,384 |
| Premises and equipment expense | $61,000 | 6,379 |
| Additional noninterest expense | $136,000 | 6,426 |
| Pre-tax net operating income | $-88,000 | 7,521 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-88,000 | 7,619 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-88,000 | 7,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,065 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-88,000 | 7,575 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,882,000 | 6,926 |
| Total interest expense | $1,473,000 | 6,467 |
| Net interest income | $1,409,000 | 7,240 |
| Provision for loan and lease losses | $28,000 | 6,150 |
| Total noninterest income | $35,000 | 8,156 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,000 | 7,419 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $32,000 | 7,491 |
| Total noninterest expense | $1,508,000 | 6,907 |
| Salaries and employee benefits | $674,000 | 7,327 |
| Premises and equipment expense | $270,000 | 6,036 |
| Additional noninterest expense | $564,000 | 6,296 |
| Pre-tax net operating income | $-92,000 | 7,549 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-92,000 | 7,626 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-92,000 | 7,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,926 |
| Cash dividends | $20,000 | 5,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-92,000 | 7,602 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,175,000 | 6,954 |
| Total interest expense | $1,138,000 | 6,435 |
| Net interest income | $1,037,000 | 7,322 |
| Provision for loan and lease losses | $-7,000 | 8,295 |
| Total noninterest income | $45,000 | 7,993 |
| Gross Fiduciary activities income | $2,000 | 1,352 |
| Service charges on deposit accounts | $0 | 7,525 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $43,000 | 6,975 |
| Total noninterest expense | $1,075,000 | 7,008 |
| Salaries and employee benefits | $503,000 | 7,314 |
| Premises and equipment expense | $192,000 | 6,172 |
| Additional noninterest expense | $380,000 | 6,526 |
| Pre-tax net operating income | $14,000 | 7,609 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $14,000 | 7,624 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $14,000 | 7,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,931 |
| Cash dividends | $20,000 | 5,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $14,000 | 7,610 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,447,000 | 6,998 |
| Total interest expense | $727,000 | 6,541 |
| Net interest income | $720,000 | 7,301 |
| Provision for loan and lease losses | $-7,000 | 8,343 |
| Total noninterest income | $-4,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,000 | 7,481 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $-6,000 | 8,557 |
| Total noninterest expense | $698,000 | 7,107 |
| Salaries and employee benefits | $337,000 | 7,356 |
| Premises and equipment expense | $126,000 | 6,246 |
| Additional noninterest expense | $235,000 | 6,739 |
| Pre-tax net operating income | $25,000 | 7,662 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $25,000 | 7,655 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $25,000 | 7,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,152 |
| Cash dividends | $10,000 | 4,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $25,000 | 7,640 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $679,000 | 7,139 |
| Total interest expense | $322,000 | 6,794 |
| Net interest income | $357,000 | 7,356 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $3,000 | 8,453 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $2,000 | 7,430 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $338,000 | 7,201 |
| Salaries and employee benefits | $166,000 | 7,432 |
| Premises and equipment expense | $65,000 | 6,217 |
| Additional noninterest expense | $107,000 | 6,972 |
| Pre-tax net operating income | $22,000 | 7,634 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $22,000 | 7,590 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $22,000 | 7,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,982 |
| Cash dividends | $10,000 | 3,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $22,000 | 7,573 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,124,000 | 7,437 |
| Total interest expense | $807,000 | 7,313 |
| Net interest income | $1,317,000 | 7,416 |
| Provision for loan and lease losses | $102,000 | 4,687 |
| Total noninterest income | $59,000 | 8,141 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $19,000 | 7,290 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $40,000 | 7,480 |
| Total noninterest expense | $1,216,000 | 7,356 |
| Salaries and employee benefits | $631,000 | 7,499 |
| Premises and equipment expense | $227,000 | 6,446 |
| Additional noninterest expense | $358,000 | 7,267 |
| Pre-tax net operating income | $58,000 | 7,821 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $58,000 | 7,824 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $58,000 | 7,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 2,845 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $939,000 | 508 |
| Net operating income | $58,000 | 7,817 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,462,000 | 7,633 |
| Total interest expense | $497,000 | 7,597 |
| Net interest income | $965,000 | 7,538 |
| Provision for loan and lease losses | $42,000 | 5,348 |
| Total noninterest income | $27,000 | 8,400 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $12,000 | 7,403 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,025 |
| Total noninterest expense | $913,000 | 7,353 |
| Salaries and employee benefits | $469,000 | 7,511 |
| Premises and equipment expense | $174,000 | 6,419 |
| Additional noninterest expense | $270,000 | 7,271 |
| Pre-tax net operating income | $37,000 | 7,997 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $37,000 | 8,008 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $37,000 | 8,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,430 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $939,000 | 382 |
| Net operating income | $37,000 | 7,994 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $888,000 | 7,784 |
| Total interest expense | $278,000 | 7,799 |
| Net interest income | $610,000 | 7,663 |
| Provision for loan and lease losses | $9,000 | 6,053 |
| Total noninterest income | $15,000 | 8,481 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $10,000 | 7,398 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,374 |
| Total noninterest expense | $614,000 | 7,381 |
| Salaries and employee benefits | $318,000 | 7,522 |
| Premises and equipment expense | $113,000 | 6,491 |
| Additional noninterest expense | $183,000 | 7,256 |
| Pre-tax net operating income | $2,000 | 8,153 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $2,000 | 8,165 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,000 | 8,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 1,804 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $939,000 | 272 |
| Net operating income | $2,000 | 8,154 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $386,000 | 7,971 |
| Total interest expense | $113,000 | 8,026 |
| Net interest income | $273,000 | 7,862 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $14,000 | 8,305 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $10,000 | 7,160 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,174 |
| Total noninterest expense | $292,000 | 7,487 |
| Salaries and employee benefits | $161,000 | 7,500 |
| Premises and equipment expense | $58,000 | 6,447 |
| Additional noninterest expense | $73,000 | 7,672 |
| Pre-tax net operating income | $-5,000 | 8,237 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-5,000 | 8,233 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,000 | 8,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 1,837 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-5,000 | 8,224 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,347,000 | 8,045 |
| Total interest expense | $362,000 | 8,012 |
| Net interest income | $985,000 | 7,958 |
| Provision for loan and lease losses | $10,000 | 6,810 |
| Total noninterest income | $57,000 | 8,376 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $47,000 | 7,127 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $10,000 | 8,416 |
| Total noninterest expense | $1,228,000 | 7,359 |
| Salaries and employee benefits | $652,000 | 7,432 |
| Premises and equipment expense | $207,000 | 6,661 |
| Additional noninterest expense | $369,000 | 7,260 |
| Pre-tax net operating income | $-196,000 | 8,383 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-196,000 | 8,412 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-196,000 | 8,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-196,000 | 8,392 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $963,000 | 8,130 |
| Total interest expense | $249,000 | 8,105 |
| Net interest income | $714,000 | 8,055 |
| Provision for loan and lease losses | $10,000 | 6,490 |
| Total noninterest income | $42,000 | 8,421 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 7,165 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,503 |
| Total noninterest expense | $883,000 | 7,436 |
| Salaries and employee benefits | $478,000 | 7,467 |
| Premises and equipment expense | $146,000 | 6,780 |
| Additional noninterest expense | $259,000 | 7,389 |
| Pre-tax net operating income | $-137,000 | 8,449 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-137,000 | 8,481 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-137,000 | 8,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-137,000 | 8,452 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $632,000 | 8,159 |
| Total interest expense | $162,000 | 8,096 |
| Net interest income | $470,000 | 8,093 |
| Provision for loan and lease losses | $10,000 | 6,110 |
| Total noninterest income | $26,000 | 8,459 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $26,000 | 7,089 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $565,000 | 7,517 |
| Salaries and employee benefits | $258,000 | 7,850 |
| Premises and equipment expense | $91,000 | 6,894 |
| Additional noninterest expense | $216,000 | 6,911 |
| Pre-tax net operating income | $-79,000 | 8,460 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-79,000 | 8,497 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-79,000 | 8,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-79,000 | 8,472 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $289,000 | 8,315 |
| Total interest expense | $78,000 | 8,151 |
| Net interest income | $211,000 | 8,294 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $11,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,574 |
| Total noninterest expense | $267,000 | 7,680 |
| Salaries and employee benefits | $119,000 | 8,026 |
| Premises and equipment expense | $37,000 | 7,362 |
| Additional noninterest expense | $111,000 | 6,877 |
| Pre-tax net operating income | $-45,000 | 8,569 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-45,000 | 8,590 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-45,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-45,000 | 8,566 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,368,000 | 8,039 |
| Total interest expense | $321,000 | 8,003 |
| Net interest income | $1,047,000 | 7,948 |
| Provision for loan and lease losses | $8,000 | 7,099 |
| Total noninterest income | $69,000 | 8,409 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $69,000 | 6,971 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $912,000 | 7,960 |
| Salaries and employee benefits | $380,000 | 8,368 |
| Premises and equipment expense | $132,000 | 7,558 |
| Additional noninterest expense | $400,000 | 7,123 |
| Pre-tax net operating income | $196,000 | 7,797 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $196,000 | 7,670 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $196,000 | 7,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $83,000 | 5,622 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $196,000 | 7,632 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,043,000 | 8,061 |
| Total interest expense | $239,000 | 8,040 |
| Net interest income | $804,000 | 7,956 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $56,000 | 8,400 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $56,000 | 6,905 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 8,890 |
| Total noninterest expense | $587,000 | 8,191 |
| Salaries and employee benefits | $273,000 | 8,413 |
| Premises and equipment expense | $69,000 | 8,064 |
| Additional noninterest expense | $245,000 | 7,543 |
| Pre-tax net operating income | $273,000 | 7,356 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $273,000 | 7,073 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $273,000 | 7,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $50,000 | 4,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $273,000 | 7,003 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $652,000 | 8,191 |
| Total interest expense | $173,000 | 7,994 |
| Net interest income | $479,000 | 8,174 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $43,000 | 8,339 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $31,000 | 7,155 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $12,000 | 8,173 |
| Total noninterest expense | $355,000 | 8,349 |
| Salaries and employee benefits | $162,000 | 8,610 |
| Premises and equipment expense | $43,000 | 8,166 |
| Additional noninterest expense | $150,000 | 7,728 |
| Pre-tax net operating income | $167,000 | 7,436 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $167,000 | 7,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $167,000 | 7,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $167,000 | 7,114 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $302,000 | 8,345 |
| Total interest expense | $90,000 | 7,997 |
| Net interest income | $212,000 | 8,370 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $20,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $17,000 | 7,025 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $155,000 | 8,573 |
| Salaries and employee benefits | $71,000 | 8,763 |
| Premises and equipment expense | $21,000 | 8,211 |
| Additional noninterest expense | $63,000 | 8,066 |
| Pre-tax net operating income | $77,000 | 7,512 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $77,000 | 7,289 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $77,000 | 7,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $77,000 | 7,204 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,084,000 | 8,508 |
| Total interest expense | $279,000 | 8,528 |
| Net interest income | $805,000 | 8,406 |
| Provision for loan and lease losses | $-6,000 | 8,898 |
| Total noninterest income | $91,000 | 8,401 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $76,000 | 6,964 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $15,000 | 8,598 |
| Total noninterest expense | $568,000 | 8,726 |
| Salaries and employee benefits | $256,000 | 8,888 |
| Premises and equipment expense | $83,000 | 8,294 |
| Additional noninterest expense | $229,000 | 8,243 |
| Pre-tax net operating income | $334,000 | 7,300 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $334,000 | 7,112 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $334,000 | 7,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,027 |
| Cash dividends | $100,000 | 5,525 |
| Sale, conversion, retirement of capital stock, net | $850,000 | 446 |
| Net operating income | $334,000 | 6,967 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $816,000 | 8,599 |
| Total interest expense | $200,000 | 8,667 |
| Net interest income | $616,000 | 8,457 |
| Provision for loan and lease losses | $17,000 | 6,906 |
| Total noninterest income | $71,000 | 8,432 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $58,000 | 7,002 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 8,555 |
| Total noninterest expense | $424,000 | 8,748 |
| Salaries and employee benefits | $190,000 | 8,927 |
| Premises and equipment expense | $68,000 | 8,207 |
| Additional noninterest expense | $166,000 | 8,302 |
| Pre-tax net operating income | $246,000 | 7,467 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $246,000 | 7,279 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $246,000 | 7,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $860,000 | 326 |
| Net operating income | $246,000 | 7,117 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $468,000 | 8,770 |
| Total interest expense | $119,000 | 8,815 |
| Net interest income | $349,000 | 8,670 |
| Provision for loan and lease losses | $17,000 | 6,512 |
| Total noninterest income | $47,000 | 8,428 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $39,000 | 6,980 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $8,000 | 8,587 |
| Total noninterest expense | $278,000 | 8,780 |
| Salaries and employee benefits | $122,000 | 8,987 |
| Premises and equipment expense | $45,000 | 8,229 |
| Additional noninterest expense | $111,000 | 8,289 |
| Pre-tax net operating income | $101,000 | 8,003 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $101,000 | 7,944 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $101,000 | 7,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $860,000 | 223 |
| Net operating income | $101,000 | 7,771 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $199,000 | 8,943 |
| Total interest expense | $57,000 | 8,908 |
| Net interest income | $142,000 | 8,896 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $24,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $148,000 | 8,745 |
| Salaries and employee benefits | $59,000 | 9,040 |
| Premises and equipment expense | $21,000 | 8,333 |
| Additional noninterest expense | $68,000 | 7,999 |
| Pre-tax net operating income | $18,000 | 8,479 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $18,000 | 8,508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $18,000 | 8,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $18,000 | 8,395 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $298,000 | 9,240 |
| Total interest expense | $93,000 | 9,198 |
| Net interest income | $205,000 | 9,235 |
| Provision for loan and lease losses | $-4,000 | 9,169 |
| Total noninterest income | $37,000 | 9,060 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $33,000 | 7,810 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 9,098 |
| Total noninterest expense | $199,000 | 9,300 |
| Salaries and employee benefits | $107,000 | 9,283 |
| Premises and equipment expense | $28,000 | 9,177 |
| Additional noninterest expense | $64,000 | 9,264 |
| Pre-tax net operating income | $47,000 | 8,482 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $47,000 | 8,568 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $47,000 | 8,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $16,000 | 6,257 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 372 |
| Net operating income | $47,000 | 8,487 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $967,000 | 9,176 |
| Total interest expense | $451,000 | 9,098 |
| Net interest income | $516,000 | 9,165 |
| Provision for loan and lease losses | $3,000 | 8,160 |
| Total noninterest income | $102,000 | 8,486 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $91,000 | 6,756 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $11,000 | 9,089 |
| Total noninterest expense | $378,000 | 9,395 |
| Salaries and employee benefits | $203,000 | 9,398 |
| Premises and equipment expense | $66,000 | 8,862 |
| Additional noninterest expense | $109,000 | 9,323 |
| Pre-tax net operating income | $237,000 | 7,701 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $237,000 | 7,503 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $237,000 | 7,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,439 |
| Cash dividends | $237,000 | 4,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $237,000 | 7,386 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,098,000 | 9,324 |
| Total interest expense | $589,000 | 9,066 |
| Net interest income | $509,000 | 9,444 |
| Provision for loan and lease losses | $2,000 | 8,255 |
| Total noninterest income | $107,000 | 8,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 6,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,043 |
| Total noninterest expense | $378,000 | 9,639 |
| Salaries and employee benefits | $199,000 | 9,639 |
| Premises and equipment expense | $59,000 | 9,200 |
| Additional noninterest expense | $120,000 | 9,491 |
| Pre-tax net operating income | $236,000 | 8,208 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $236,000 | 7,868 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $236,000 | 7,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $236,000 | 4,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $236,000 | 7,865 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,005,000 | 9,609 |
| Total interest expense | $521,000 | 9,395 |
| Net interest income | $484,000 | 9,712 |
| Provision for loan and lease losses | $-32,000 | 10,035 |
| Total noninterest income | $116,000 | 8,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 6,892 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,055 |
| Total noninterest expense | $414,000 | 9,844 |
| Salaries and employee benefits | $228,000 | 9,805 |
| Premises and equipment expense | $60,000 | 9,430 |
| Additional noninterest expense | $126,000 | 9,736 |
| Pre-tax net operating income | $218,000 | 8,486 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $218,000 | 8,162 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $218,000 | 8,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,010 |
| Cash dividends | $189,000 | 5,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $218,000 | 8,134 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,147,000 | 9,715 |
| Total interest expense | $600,000 | 9,475 |
| Net interest income | $547,000 | 9,827 |
| Provision for loan and lease losses | $-10,000 | 10,216 |
| Total noninterest income | $85,000 | 9,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,542 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 9,739 |
| Total noninterest expense | $415,000 | 10,018 |
| Salaries and employee benefits | $225,000 | 9,992 |
| Premises and equipment expense | $65,000 | 9,470 |
| Additional noninterest expense | $125,000 | 9,907 |
| Pre-tax net operating income | $227,000 | 8,781 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $227,000 | 8,415 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $227,000 | 8,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 9,791 |
| Cash dividends | $365,000 | 4,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $227,000 | 8,339 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,238,000 | 10,011 |
| Total interest expense | $605,000 | 9,816 |
| Net interest income | $633,000 | 10,113 |
| Provision for loan and lease losses | $-33,000 | 10,687 |
| Total noninterest income | $110,000 | 9,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 7,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $467,000 | 10,248 |
| Salaries and employee benefits | $275,000 | 10,123 |
| Premises and equipment expense | $66,000 | 9,815 |
| Additional noninterest expense | $126,000 | 10,273 |
| Pre-tax net operating income | $309,000 | 8,949 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $61,000 | 9,066 |
| Income before extraordinary items | $248,000 | 8,769 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $248,000 | 8,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,102 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $-211,000 | 10,805 |
| Net operating income | $248,000 | 8,727 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,165,000 | 10,573 |
| Total interest expense | $575,000 | 10,358 |
| Net interest income | $590,000 | 10,683 |
| Provision for loan and lease losses | $6,000 | 8,753 |
| Total noninterest income | $152,000 | 8,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 8,398 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,512 |
| Total noninterest expense | $443,000 | 10,820 |
| Salaries and employee benefits | $264,000 | 10,628 |
| Premises and equipment expense | $69,000 | 10,108 |
| Additional noninterest expense | $110,000 | 10,997 |
| Pre-tax net operating income | $293,000 | 9,182 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $93,000 | 8,863 |
| Income before extraordinary items | $202,000 | 9,277 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $202,000 | 9,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,243 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $200,640 | 9,237 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,215,000 | 10,960 |
| Total interest expense | $592,000 | 10,694 |
| Net interest income | $623,000 | 11,060 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $88,000 | 10,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 8,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 10,278 |
| Total noninterest expense | $401,000 | 11,431 |
| Salaries and employee benefits | $257,000 | 11,104 |
| Premises and equipment expense | $78,000 | 10,256 |
| Additional noninterest expense | $66,000 | 11,829 |
| Pre-tax net operating income | $310,000 | 9,668 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $75,000 | 9,683 |
| Income before extraordinary items | $235,000 | 9,553 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $235,000 | 9,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $490,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $235,000 | 9,532 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,138,000 | 11,463 |
| Total interest expense | $479,000 | 11,188 |
| Net interest income | $659,000 | 11,522 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $94,000 | 10,886 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 9,072 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,043 |
| Total noninterest expense | $488,000 | 11,679 |
| Salaries and employee benefits | $261,000 | 11,565 |
| Premises and equipment expense | $77,000 | 10,744 |
| Additional noninterest expense | $150,000 | 11,795 |
| Pre-tax net operating income | $253,000 | 10,463 |
| Securities gains (losses) | $-27,000 | 10,567 |
| Applicable income taxes | $35,000 | 10,807 |
| Income before extraordinary items | $191,000 | 10,382 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $191,000 | 10,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,270 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $213,950 | 10,165 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,169,000 | 11,946 |
| Total interest expense | $412,000 | 12,169 |
| Net interest income | $757,000 | 11,675 |
| Provision for loan and lease losses | $18,000 | 9,198 |
| Total noninterest income | $204,000 | 9,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 9,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,855 |
| Total noninterest expense | $507,000 | 12,135 |
| Salaries and employee benefits | $274,000 | 11,937 |
| Premises and equipment expense | $82,000 | 11,085 |
| Additional noninterest expense | $151,000 | 12,412 |
| Pre-tax net operating income | $436,000 | 9,127 |
| Securities gains (losses) | $18,000 | 4,806 |
| Applicable income taxes | $67,000 | 10,544 |
| Income before extraordinary items | $387,000 | 8,563 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $387,000 | 8,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 7,365 |
| Cash dividends | $290,000 | 4,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $371,700 | 8,462 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,378,000 | 12,234 |
| Total interest expense | $536,000 | 12,590 |
| Net interest income | $842,000 | 11,744 |
| Provision for loan and lease losses | $-67,000 | 13,656 |
| Total noninterest income | $86,000 | 12,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 9,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 12,163 |
| Total noninterest expense | $530,000 | 12,453 |
| Salaries and employee benefits | $280,000 | 12,244 |
| Premises and equipment expense | $65,000 | 12,061 |
| Additional noninterest expense | $185,000 | 12,456 |
| Pre-tax net operating income | $465,000 | 8,677 |
| Securities gains (losses) | $15,000 | 5,962 |
| Applicable income taxes | $121,000 | 9,332 |
| Income before extraordinary items | $359,000 | 8,627 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $359,000 | 8,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 13,477 |
| Cash dividends | $380,000 | 3,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $347,750 | 8,384 |
* 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.