Home > Southern State Bank > Income and Expense
Southern State Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $264,000 | 8,472 |
| Total interest expense | $131,000 | 8,371 |
| Net interest income | $133,000 | 8,498 |
| Provision for loan and lease losses | $5,000 | 6,721 |
| Total noninterest income | $18,000 | 8,251 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $16,000 | 7,213 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,000 | 8,265 |
| Total noninterest expense | $68,000 | 8,520 |
| Salaries and employee benefits | $44,000 | 8,502 |
| Premises and equipment expense | $11,000 | 8,479 |
| Additional noninterest expense | $13,000 | 8,526 |
| Pre-tax net operating income | $78,000 | 7,212 |
| Securities gains (losses) | $-17,000 | 7,711 |
| Applicable income taxes | $-72,000 | 7,976 |
| Income before extraordinary items | $133,000 | 7,017 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $133,000 | 7,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $150,000 | 6,934 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,213,000 | 5,427 |
| Total interest expense | $2,081,000 | 5,007 |
| Net interest income | $2,132,000 | 5,671 |
| Provision for loan and lease losses | $45,000 | 5,124 |
| Total noninterest income | $351,000 | 5,203 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $252,000 | 3,863 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $99,000 | 5,819 |
| Total noninterest expense | $1,742,000 | 5,786 |
| Salaries and employee benefits | $915,000 | 5,908 |
| Premises and equipment expense | $304,000 | 4,976 |
| Additional noninterest expense | $523,000 | 5,690 |
| Pre-tax net operating income | $696,000 | 5,124 |
| Securities gains (losses) | $36,000 | 699 |
| Applicable income taxes | $202,000 | 3,712 |
| Income before extraordinary items | $530,000 | 5,265 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $530,000 | 5,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,620 |
| Cash dividends | $127,000 | 4,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $504,080 | 5,353 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,776,000 | 5,485 |
| Total interest expense | $1,370,000 | 5,050 |
| Net interest income | $1,406,000 | 5,739 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $239,000 | 5,180 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $170,000 | 3,835 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $69,000 | 5,763 |
| Total noninterest expense | $1,156,000 | 5,834 |
| Salaries and employee benefits | $612,000 | 5,949 |
| Premises and equipment expense | $204,000 | 4,975 |
| Additional noninterest expense | $340,000 | 5,767 |
| Pre-tax net operating income | $459,000 | 5,223 |
| Securities gains (losses) | $16,000 | 755 |
| Applicable income taxes | $129,000 | 3,835 |
| Income before extraordinary items | $346,000 | 5,369 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $346,000 | 5,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,518 |
| Cash dividends | $85,000 | 4,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $334,320 | 5,417 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,396,000 | 5,477 |
| Total interest expense | $696,000 | 4,994 |
| Net interest income | $700,000 | 5,757 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $122,000 | 5,089 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $85,000 | 3,779 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $37,000 | 5,638 |
| Total noninterest expense | $574,000 | 5,879 |
| Salaries and employee benefits | $308,000 | 5,961 |
| Premises and equipment expense | $103,000 | 4,951 |
| Additional noninterest expense | $163,000 | 5,882 |
| Pre-tax net operating income | $233,000 | 5,198 |
| Securities gains (losses) | $16,000 | 605 |
| Applicable income taxes | $69,000 | 3,766 |
| Income before extraordinary items | $180,000 | 5,289 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $180,000 | 5,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $42,000 | 3,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $168,480 | 5,416 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,332,000 | 5,373 |
| Total interest expense | $2,553,000 | 4,767 |
| Net interest income | $2,779,000 | 5,743 |
| Provision for loan and lease losses | $75,000 | 5,084 |
| Total noninterest income | $464,000 | 5,296 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $354,000 | 3,794 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $110,000 | 6,170 |
| Total noninterest expense | $2,312,000 | 5,728 |
| Salaries and employee benefits | $1,168,000 | 5,998 |
| Premises and equipment expense | $444,000 | 4,606 |
| Additional noninterest expense | $700,000 | 5,646 |
| Pre-tax net operating income | $856,000 | 5,521 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $230,000 | 4,147 |
| Income before extraordinary items | $626,000 | 5,728 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $626,000 | 5,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,500 |
| Cash dividends | $170,000 | 5,094 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $626,000 | 5,715 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,931,000 | 5,429 |
| Total interest expense | $1,835,000 | 4,800 |
| Net interest income | $2,096,000 | 5,783 |
| Provision for loan and lease losses | $56,000 | 4,951 |
| Total noninterest income | $349,000 | 5,300 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $266,000 | 3,817 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $83,000 | 6,169 |
| Total noninterest expense | $1,730,000 | 5,719 |
| Salaries and employee benefits | $882,000 | 5,937 |
| Premises and equipment expense | $326,000 | 4,676 |
| Additional noninterest expense | $522,000 | 5,640 |
| Pre-tax net operating income | $659,000 | 5,670 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $186,000 | 4,218 |
| Income before extraordinary items | $473,000 | 5,882 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $473,000 | 5,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,128 |
| Cash dividends | $127,000 | 4,581 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $473,000 | 5,885 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,514,000 | 5,509 |
| Total interest expense | $1,153,000 | 4,843 |
| Net interest income | $1,361,000 | 5,883 |
| Provision for loan and lease losses | $38,000 | 4,803 |
| Total noninterest income | $225,000 | 5,371 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $169,000 | 3,888 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,195 |
| Total noninterest expense | $1,122,000 | 5,829 |
| Salaries and employee benefits | $582,000 | 6,007 |
| Premises and equipment expense | $209,000 | 4,797 |
| Additional noninterest expense | $331,000 | 5,783 |
| Pre-tax net operating income | $426,000 | 5,758 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $118,000 | 4,330 |
| Income before extraordinary items | $308,000 | 5,957 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $308,000 | 5,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $85,000 | 4,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $308,000 | 5,956 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,190,000 | 5,622 |
| Total interest expense | $542,000 | 4,888 |
| Net interest income | $648,000 | 6,042 |
| Provision for loan and lease losses | $19,000 | 4,620 |
| Total noninterest income | $107,000 | 5,456 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $78,000 | 3,989 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $29,000 | 6,131 |
| Total noninterest expense | $545,000 | 5,927 |
| Salaries and employee benefits | $280,000 | 6,144 |
| Premises and equipment expense | $98,000 | 5,028 |
| Additional noninterest expense | $167,000 | 5,734 |
| Pre-tax net operating income | $191,000 | 5,935 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $51,000 | 4,470 |
| Income before extraordinary items | $140,000 | 6,107 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $140,000 | 6,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $43,000 | 3,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $140,000 | 6,106 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,365,000 | 5,575 |
| Total interest expense | $1,754,000 | 4,819 |
| Net interest income | $2,611,000 | 5,924 |
| Provision for loan and lease losses | $148,000 | 4,176 |
| Total noninterest income | $410,000 | 5,673 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $299,000 | 4,195 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $111,000 | 6,239 |
| Total noninterest expense | $2,052,000 | 6,018 |
| Salaries and employee benefits | $1,063,000 | 6,186 |
| Premises and equipment expense | $374,000 | 5,070 |
| Additional noninterest expense | $615,000 | 5,983 |
| Pre-tax net operating income | $821,000 | 5,819 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $235,000 | 4,447 |
| Income before extraordinary items | $586,000 | 6,057 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $586,000 | 6,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,620 |
| Cash dividends | $170,000 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $586,000 | 6,028 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,182,000 | 5,628 |
| Total interest expense | $1,219,000 | 4,898 |
| Net interest income | $1,963,000 | 5,943 |
| Provision for loan and lease losses | $118,000 | 3,925 |
| Total noninterest income | $285,000 | 5,878 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $205,000 | 4,405 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $80,000 | 6,318 |
| Total noninterest expense | $1,517,000 | 6,037 |
| Salaries and employee benefits | $793,000 | 6,159 |
| Premises and equipment expense | $277,000 | 5,097 |
| Additional noninterest expense | $447,000 | 6,050 |
| Pre-tax net operating income | $613,000 | 5,951 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $177,000 | 4,593 |
| Income before extraordinary items | $436,000 | 6,191 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $436,000 | 6,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $127,000 | 4,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $436,000 | 6,155 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,062,000 | 5,645 |
| Total interest expense | $761,000 | 4,916 |
| Net interest income | $1,301,000 | 5,949 |
| Provision for loan and lease losses | $88,000 | 3,638 |
| Total noninterest income | $180,000 | 5,977 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $121,000 | 4,629 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $59,000 | 6,157 |
| Total noninterest expense | $1,003,000 | 6,057 |
| Salaries and employee benefits | $532,000 | 6,151 |
| Premises and equipment expense | $182,000 | 5,135 |
| Additional noninterest expense | $289,000 | 6,112 |
| Pre-tax net operating income | $390,000 | 6,040 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $112,000 | 4,664 |
| Income before extraordinary items | $278,000 | 6,281 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $278,000 | 6,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,392 |
| Cash dividends | $85,000 | 4,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $278,000 | 6,231 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $990,000 | 5,767 |
| Total interest expense | $354,000 | 5,027 |
| Net interest income | $636,000 | 6,039 |
| Provision for loan and lease losses | $43,000 | 3,526 |
| Total noninterest income | $84,000 | 6,049 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $50,000 | 4,996 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,945 |
| Total noninterest expense | $495,000 | 6,142 |
| Salaries and employee benefits | $267,000 | 6,169 |
| Premises and equipment expense | $92,000 | 5,144 |
| Additional noninterest expense | $136,000 | 6,329 |
| Pre-tax net operating income | $182,000 | 6,167 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $54,000 | 4,665 |
| Income before extraordinary items | $128,000 | 6,434 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $128,000 | 6,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $42,000 | 3,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $128,000 | 6,391 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,848,000 | 5,674 |
| Total interest expense | $1,260,000 | 4,978 |
| Net interest income | $2,588,000 | 5,896 |
| Provision for loan and lease losses | $230,000 | 3,450 |
| Total noninterest income | $400,000 | 5,795 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $281,000 | 4,462 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $119,000 | 6,114 |
| Total noninterest expense | $1,936,000 | 6,104 |
| Salaries and employee benefits | $1,018,000 | 6,218 |
| Premises and equipment expense | $332,000 | 5,390 |
| Additional noninterest expense | $586,000 | 6,064 |
| Pre-tax net operating income | $822,000 | 5,724 |
| Securities gains (losses) | $31,000 | 2,094 |
| Applicable income taxes | $247,000 | 4,472 |
| Income before extraordinary items | $606,000 | 5,928 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $606,000 | 5,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,555 |
| Cash dividends | $128,000 | 5,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $583,990 | 5,944 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,888,000 | 5,658 |
| Total interest expense | $938,000 | 4,965 |
| Net interest income | $1,950,000 | 5,877 |
| Provision for loan and lease losses | $190,000 | 3,078 |
| Total noninterest income | $310,000 | 5,739 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $213,000 | 4,474 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $97,000 | 5,971 |
| Total noninterest expense | $1,426,000 | 6,128 |
| Salaries and employee benefits | $748,000 | 6,252 |
| Premises and equipment expense | $211,000 | 5,832 |
| Additional noninterest expense | $467,000 | 5,828 |
| Pre-tax net operating income | $644,000 | 5,719 |
| Securities gains (losses) | $31,000 | 2,017 |
| Applicable income taxes | $219,000 | 4,308 |
| Income before extraordinary items | $456,000 | 6,025 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $456,000 | 6,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,796 |
| Cash dividends | $84,000 | 4,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $434,920 | 6,059 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,907,000 | 5,698 |
| Total interest expense | $620,000 | 5,011 |
| Net interest income | $1,287,000 | 5,910 |
| Provision for loan and lease losses | $125,000 | 3,031 |
| Total noninterest income | $210,000 | 5,711 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $139,000 | 4,512 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $71,000 | 5,821 |
| Total noninterest expense | $903,000 | 6,353 |
| Salaries and employee benefits | $481,000 | 6,425 |
| Premises and equipment expense | $136,000 | 5,958 |
| Additional noninterest expense | $286,000 | 6,123 |
| Pre-tax net operating income | $469,000 | 5,468 |
| Securities gains (losses) | $31,000 | 1,773 |
| Applicable income taxes | $154,000 | 4,205 |
| Income before extraordinary items | $346,000 | 5,708 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $346,000 | 5,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 2,510 |
| Cash dividends | $42,000 | 4,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $324,610 | 5,777 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $928,000 | 5,831 |
| Total interest expense | $316,000 | 5,012 |
| Net interest income | $612,000 | 6,098 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $88,000 | 6,069 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $61,000 | 4,756 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $27,000 | 6,301 |
| Total noninterest expense | $440,000 | 6,486 |
| Salaries and employee benefits | $236,000 | 6,520 |
| Premises and equipment expense | $69,000 | 5,921 |
| Additional noninterest expense | $135,000 | 6,311 |
| Pre-tax net operating income | $215,000 | 5,652 |
| Securities gains (losses) | $30,000 | 1,495 |
| Applicable income taxes | $78,000 | 4,184 |
| Income before extraordinary items | $167,000 | 5,759 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $167,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,530 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $146,600 | 5,954 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,808,000 | 5,804 |
| Total interest expense | $1,469,000 | 4,937 |
| Net interest income | $2,339,000 | 6,116 |
| Provision for loan and lease losses | $875,000 | 1,355 |
| Total noninterest income | $388,000 | 6,030 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $319,000 | 4,157 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $69,000 | 7,124 |
| Total noninterest expense | $1,733,000 | 6,465 |
| Salaries and employee benefits | $846,000 | 6,759 |
| Premises and equipment expense | $277,000 | 5,900 |
| Additional noninterest expense | $610,000 | 5,946 |
| Pre-tax net operating income | $119,000 | 8,125 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $-19,000 | 8,799 |
| Income before extraordinary items | $139,000 | 8,055 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $139,000 | 8,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $701,000 | 1,228 |
| Cash dividends | $213,000 | 4,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $138,000 | 7,939 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,894,000 | 5,836 |
| Total interest expense | $1,140,000 | 4,960 |
| Net interest income | $1,754,000 | 6,142 |
| Provision for loan and lease losses | $100,000 | 4,641 |
| Total noninterest income | $297,000 | 6,033 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $245,000 | 4,136 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $52,000 | 7,154 |
| Total noninterest expense | $1,333,000 | 6,357 |
| Salaries and employee benefits | $661,000 | 6,652 |
| Premises and equipment expense | $206,000 | 5,924 |
| Additional noninterest expense | $466,000 | 5,857 |
| Pre-tax net operating income | $618,000 | 5,800 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $205,000 | 4,611 |
| Income before extraordinary items | $414,000 | 6,276 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $414,000 | 6,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,265 |
| Cash dividends | $128,000 | 4,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $413,330 | 6,105 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,915,000 | 5,892 |
| Total interest expense | $795,000 | 4,943 |
| Net interest income | $1,120,000 | 6,309 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $225,000 | 5,736 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $162,000 | 4,116 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $63,000 | 6,165 |
| Total noninterest expense | $893,000 | 6,358 |
| Salaries and employee benefits | $434,000 | 6,719 |
| Premises and equipment expense | $146,000 | 5,746 |
| Additional noninterest expense | $313,000 | 5,836 |
| Pre-tax net operating income | $392,000 | 5,917 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $130,000 | 4,727 |
| Income before extraordinary items | $263,000 | 6,409 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $263,000 | 6,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $86,000 | 4,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $262,330 | 6,211 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $966,000 | 5,875 |
| Total interest expense | $413,000 | 4,937 |
| Net interest income | $553,000 | 6,326 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $111,000 | 5,652 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $77,000 | 4,164 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 5,990 |
| Total noninterest expense | $445,000 | 6,371 |
| Salaries and employee benefits | $207,000 | 6,875 |
| Premises and equipment expense | $74,000 | 5,683 |
| Additional noninterest expense | $164,000 | 5,647 |
| Pre-tax net operating income | $189,000 | 5,975 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $62,000 | 4,775 |
| Income before extraordinary items | $127,000 | 6,427 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $127,000 | 6,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,751 |
| Cash dividends | $43,000 | 3,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $127,000 | 6,246 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,065,000 | 5,860 |
| Total interest expense | $1,930,000 | 4,912 |
| Net interest income | $2,135,000 | 6,419 |
| Provision for loan and lease losses | $200,000 | 4,344 |
| Total noninterest income | $412,000 | 5,705 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $306,000 | 4,184 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $106,000 | 6,325 |
| Total noninterest expense | $1,677,000 | 6,506 |
| Salaries and employee benefits | $778,000 | 6,960 |
| Premises and equipment expense | $311,000 | 5,452 |
| Additional noninterest expense | $588,000 | 6,007 |
| Pre-tax net operating income | $670,000 | 6,188 |
| Securities gains (losses) | $69,000 | 2,112 |
| Applicable income taxes | $224,000 | 4,949 |
| Income before extraordinary items | $515,000 | 6,332 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $515,000 | 6,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 3,187 |
| Cash dividends | $165,000 | 5,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $466,700 | 6,412 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,396,000 | 6,033 |
| Total interest expense | $2,540,000 | 5,349 |
| Net interest income | $1,856,000 | 6,690 |
| Provision for loan and lease losses | $185,000 | 4,295 |
| Total noninterest income | $364,000 | 5,924 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $263,000 | 4,507 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $101,000 | 6,420 |
| Total noninterest expense | $1,488,000 | 6,822 |
| Salaries and employee benefits | $689,000 | 7,243 |
| Premises and equipment expense | $293,000 | 5,601 |
| Additional noninterest expense | $506,000 | 6,393 |
| Pre-tax net operating income | $547,000 | 6,372 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $130,000 | 5,658 |
| Income before extraordinary items | $419,000 | 6,466 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $419,000 | 6,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 3,179 |
| Cash dividends | $204,000 | 4,966 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $417,480 | 6,354 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,218,000 | 6,316 |
| Total interest expense | $2,365,000 | 5,751 |
| Net interest income | $1,853,000 | 6,815 |
| Provision for loan and lease losses | $80,000 | 5,752 |
| Total noninterest income | $272,000 | 6,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 5,372 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,597 |
| Total noninterest expense | $1,280,000 | 7,302 |
| Salaries and employee benefits | $614,000 | 7,627 |
| Premises and equipment expense | $219,000 | 6,471 |
| Additional noninterest expense | $447,000 | 6,795 |
| Pre-tax net operating income | $765,000 | 5,989 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $216,000 | 5,251 |
| Income before extraordinary items | $549,000 | 6,082 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $549,000 | 6,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,920 |
| Cash dividends | $167,000 | 5,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $549,000 | 6,086 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,567,000 | 6,762 |
| Total interest expense | $1,902,000 | 6,173 |
| Net interest income | $1,665,000 | 7,252 |
| Provision for loan and lease losses | $90,000 | 5,432 |
| Total noninterest income | $172,000 | 7,809 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 6,709 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,365 |
| Total noninterest expense | $986,000 | 8,172 |
| Salaries and employee benefits | $506,000 | 8,313 |
| Premises and equipment expense | $99,000 | 8,653 |
| Additional noninterest expense | $381,000 | 7,434 |
| Pre-tax net operating income | $761,000 | 6,079 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $217,000 | 5,526 |
| Income before extraordinary items | $544,000 | 6,187 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $544,000 | 6,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $167,000 | 5,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $544,000 | 6,174 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,395,000 | 7,072 |
| Total interest expense | $1,897,000 | 6,358 |
| Net interest income | $1,498,000 | 7,690 |
| Provision for loan and lease losses | $80,000 | 5,577 |
| Total noninterest income | $138,000 | 8,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 7,260 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,910 |
| Total noninterest expense | $856,000 | 8,583 |
| Salaries and employee benefits | $443,000 | 8,691 |
| Premises and equipment expense | $75,000 | 9,263 |
| Additional noninterest expense | $338,000 | 7,759 |
| Pre-tax net operating income | $700,000 | 6,477 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $215,000 | 6,019 |
| Income before extraordinary items | $487,000 | 6,683 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $487,000 | 6,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,064 |
| Cash dividends | $163,000 | 5,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $485,620 | 6,587 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,302,000 | 7,395 |
| Total interest expense | $1,830,000 | 6,608 |
| Net interest income | $1,472,000 | 8,044 |
| Provision for loan and lease losses | $99,000 | 5,232 |
| Total noninterest income | $124,000 | 8,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 7,630 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 8,733 |
| Total noninterest expense | $710,000 | 9,368 |
| Salaries and employee benefits | $338,000 | 9,676 |
| Premises and equipment expense | $68,000 | 9,770 |
| Additional noninterest expense | $304,000 | 8,278 |
| Pre-tax net operating income | $779,000 | 6,635 |
| Securities gains (losses) | $-7,000 | 9,846 |
| Applicable income taxes | $249,000 | 6,269 |
| Income before extraordinary items | $523,000 | 6,845 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $523,000 | 6,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $156,000 | 5,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $527,760 | 6,758 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,859,000 | 8,196 |
| Total interest expense | $1,704,000 | 7,072 |
| Net interest income | $1,155,000 | 9,139 |
| Provision for loan and lease losses | $94,000 | 5,274 |
| Total noninterest income | $85,000 | 10,196 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 9,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,801 |
| Total noninterest expense | $571,000 | 10,300 |
| Salaries and employee benefits | $281,000 | 10,493 |
| Premises and equipment expense | $55,000 | 10,490 |
| Additional noninterest expense | $235,000 | 9,561 |
| Pre-tax net operating income | $575,000 | 7,544 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $184,000 | 7,383 |
| Income before extraordinary items | $398,000 | 7,639 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $398,000 | 7,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,559 |
| Cash dividends | $104,000 | 6,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $393,240 | 7,618 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,213,000 | 9,398 |
| Total interest expense | $1,445,000 | 7,837 |
| Net interest income | $768,000 | 10,636 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $42,000 | 11,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 10,307 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 9,663 |
| Total noninterest expense | $444,000 | 11,259 |
| Salaries and employee benefits | $201,000 | 11,493 |
| Premises and equipment expense | $18,000 | 11,826 |
| Additional noninterest expense | $225,000 | 10,129 |
| Pre-tax net operating income | $324,000 | 9,580 |
| Securities gains (losses) | $-22,000 | 10,616 |
| Applicable income taxes | $78,000 | 9,622 |
| Income before extraordinary items | $224,000 | 9,675 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $224,000 | 9,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $82,000 | 7,145 |
| Sale, conversion, retirement of capital stock, net | $512,000 | 371 |
| Net operating income | $240,280 | 9,486 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,816,000 | 10,133 |
| Total interest expense | $1,150,000 | 8,103 |
| Net interest income | $666,000 | 11,503 |
| Provision for loan and lease losses | $3,000 | 8,961 |
| Total noninterest income | $17,000 | 12,412 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $347,000 | 12,222 |
| Salaries and employee benefits | $139,000 | 12,408 |
| Premises and equipment expense | $21,000 | 12,416 |
| Additional noninterest expense | $187,000 | 11,316 |
| Pre-tax net operating income | $333,000 | 9,876 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $92,000 | 9,543 |
| Income before extraordinary items | $241,000 | 9,795 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $241,000 | 9,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $72,000 | 7,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $241,000 | 9,872 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,769,000 | 10,656 |
| Total interest expense | $1,147,000 | 8,496 |
| Net interest income | $622,000 | 12,146 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $18,000 | 13,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,177 |
| Total noninterest expense | $386,000 | 12,705 |
| Salaries and employee benefits | $139,000 | 13,045 |
| Premises and equipment expense | $22,000 | 13,043 |
| Additional noninterest expense | $225,000 | 11,401 |
| Pre-tax net operating income | $234,000 | 10,753 |
| Securities gains (losses) | $48,000 | 3,456 |
| Applicable income taxes | $92,000 | 9,945 |
| Income before extraordinary items | $190,000 | 10,762 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $190,000 | 10,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 7,819 |
| Cash dividends | $59,000 | 7,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $157,840 | 10,908 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,930,000 | 11,035 |
| Total interest expense | $1,335,000 | 9,103 |
| Net interest income | $595,000 | 12,722 |
| Provision for loan and lease losses | $6,000 | 11,435 |
| Total noninterest income | $52,000 | 13,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 10,289 |
| Total noninterest expense | $354,000 | 13,388 |
| Salaries and employee benefits | $134,000 | 13,653 |
| Premises and equipment expense | $7,000 | 13,867 |
| Additional noninterest expense | $213,000 | 12,053 |
| Pre-tax net operating income | $287,000 | 10,263 |
| Securities gains (losses) | $74,000 | 3,490 |
| Applicable income taxes | $115,000 | 9,514 |
| Income before extraordinary items | $246,000 | 9,970 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $246,000 | 10,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $27,000 | 8,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $195,680 | 10,322 |
* 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.