Home > Spalding City Bank > Income and Expense
Spalding City Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,272,000 | 7,621 |
| Total interest expense | $698,000 | 7,013 |
| Net interest income | $574,000 | 7,932 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $88,000 | 7,240 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $14,000 | 7,112 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $74,000 | 6,057 |
| Total noninterest expense | $423,000 | 8,115 |
| Salaries and employee benefits | $234,000 | 8,100 |
| Premises and equipment expense | $34,000 | 8,147 |
| Additional noninterest expense | $155,000 | 7,890 |
| Pre-tax net operating income | $239,000 | 5,885 |
| Securities gains (losses) | $96,000 | 991 |
| Applicable income taxes | $11,000 | 4,828 |
| Income before extraordinary items | $324,000 | 5,113 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $324,000 | 5,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,112 |
| Cash dividends | $155,000 | 4,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $230,880 | 5,727 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $848,000 | 7,694 |
| Total interest expense | $481,000 | 7,072 |
| Net interest income | $367,000 | 8,003 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $52,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $8,000 | 7,191 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $44,000 | 6,313 |
| Total noninterest expense | $265,000 | 8,218 |
| Salaries and employee benefits | $145,000 | 8,211 |
| Premises and equipment expense | $21,000 | 8,235 |
| Additional noninterest expense | $99,000 | 7,976 |
| Pre-tax net operating income | $154,000 | 6,095 |
| Securities gains (losses) | $96,000 | 997 |
| Applicable income taxes | $7,000 | 5,127 |
| Income before extraordinary items | $243,000 | 5,332 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $243,000 | 5,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,111 |
| Cash dividends | $155,000 | 3,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $149,880 | 5,926 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $439,000 | 7,732 |
| Total interest expense | $257,000 | 7,092 |
| Net interest income | $182,000 | 8,062 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $10,000 | 8,048 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $4,000 | 7,199 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $6,000 | 7,600 |
| Total noninterest expense | $131,000 | 8,263 |
| Salaries and employee benefits | $70,000 | 8,273 |
| Premises and equipment expense | $9,000 | 8,302 |
| Additional noninterest expense | $52,000 | 7,956 |
| Pre-tax net operating income | $61,000 | 6,468 |
| Securities gains (losses) | $96,000 | 733 |
| Applicable income taxes | $4,000 | 5,199 |
| Income before extraordinary items | $153,000 | 5,180 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $153,000 | 5,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,203 |
| Cash dividends | $75,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $59,880 | 6,337 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,248,000 | 8,058 |
| Total interest expense | $709,000 | 7,638 |
| Net interest income | $539,000 | 8,251 |
| Provision for loan and lease losses | $-100,000 | 8,371 |
| Total noninterest income | $52,000 | 8,015 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $13,000 | 7,256 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $39,000 | 7,327 |
| Total noninterest expense | $328,000 | 8,462 |
| Salaries and employee benefits | $178,000 | 8,444 |
| Premises and equipment expense | $26,000 | 8,422 |
| Additional noninterest expense | $124,000 | 8,362 |
| Pre-tax net operating income | $363,000 | 6,384 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $190,000 | 3,893 |
| Income before extraordinary items | $173,000 | 6,876 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $173,000 | 6,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,854 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $173,000 | 6,854 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $780,000 | 8,225 |
| Total interest expense | $437,000 | 7,877 |
| Net interest income | $343,000 | 8,355 |
| Provision for loan and lease losses | $-100,000 | 8,418 |
| Total noninterest income | $14,000 | 8,304 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $8,000 | 7,322 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $6,000 | 8,162 |
| Total noninterest expense | $198,000 | 8,503 |
| Salaries and employee benefits | $115,000 | 8,484 |
| Premises and equipment expense | $16,000 | 8,459 |
| Additional noninterest expense | $67,000 | 8,463 |
| Pre-tax net operating income | $259,000 | 6,726 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $176,000 | 3,863 |
| Income before extraordinary items | $83,000 | 7,347 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $83,000 | 7,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,856 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $83,000 | 7,331 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $314,000 | 8,465 |
| Total interest expense | $170,000 | 8,281 |
| Net interest income | $144,000 | 8,531 |
| Provision for loan and lease losses | $-100,000 | 8,472 |
| Total noninterest income | $5,000 | 8,427 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $3,000 | 7,446 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,000 | 8,320 |
| Total noninterest expense | $71,000 | 8,594 |
| Salaries and employee benefits | $47,000 | 8,568 |
| Premises and equipment expense | $7,000 | 8,540 |
| Additional noninterest expense | $17,000 | 8,597 |
| Pre-tax net operating income | $178,000 | 6,772 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $176,000 | 3,426 |
| Income before extraordinary items | $2,000 | 7,784 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,000 | 7,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,000 | 7,766 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $432,000 | 7,890 |
| Total interest expense | $247,000 | 7,274 |
| Net interest income | $185,000 | 8,227 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $10,000 | 8,257 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $4,000 | 7,300 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,000 | 7,790 |
| Total noninterest expense | $107,000 | 8,489 |
| Salaries and employee benefits | $76,000 | 8,365 |
| Premises and equipment expense | $11,000 | 8,362 |
| Additional noninterest expense | $20,000 | 8,563 |
| Pre-tax net operating income | $88,000 | 6,820 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $19,000 | 4,959 |
| Income before extraordinary items | $69,000 | 6,876 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $69,000 | 6,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $69,000 | 6,859 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,620,000 | 7,833 |
| Total interest expense | $906,000 | 7,111 |
| Net interest income | $714,000 | 8,185 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $47,000 | 8,231 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $20,000 | 7,270 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $27,000 | 7,770 |
| Total noninterest expense | $517,000 | 8,415 |
| Salaries and employee benefits | $367,000 | 8,228 |
| Premises and equipment expense | $43,000 | 8,425 |
| Additional noninterest expense | $107,000 | 8,533 |
| Pre-tax net operating income | $244,000 | 7,270 |
| Securities gains (losses) | $-62,000 | 8,025 |
| Applicable income taxes | $60,000 | 5,326 |
| Income before extraordinary items | $122,000 | 7,592 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $122,000 | 7,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $93,000 | 5,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $163,540 | 7,420 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,182,000 | 7,929 |
| Total interest expense | $636,000 | 7,225 |
| Net interest income | $546,000 | 8,243 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $29,000 | 8,373 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $14,000 | 7,366 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,025 |
| Total noninterest expense | $396,000 | 8,436 |
| Salaries and employee benefits | $282,000 | 8,221 |
| Premises and equipment expense | $34,000 | 8,452 |
| Additional noninterest expense | $80,000 | 8,580 |
| Pre-tax net operating income | $179,000 | 7,500 |
| Securities gains (losses) | $-61,000 | 8,252 |
| Applicable income taxes | $23,000 | 5,910 |
| Income before extraordinary items | $95,000 | 7,749 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $95,000 | 7,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $93,000 | 4,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $144,410 | 7,517 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $772,000 | 7,974 |
| Total interest expense | $402,000 | 7,266 |
| Net interest income | $370,000 | 8,294 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $18,000 | 8,448 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $9,000 | 7,424 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,000 | 8,144 |
| Total noninterest expense | $265,000 | 8,469 |
| Salaries and employee benefits | $192,000 | 8,242 |
| Premises and equipment expense | $25,000 | 8,440 |
| Additional noninterest expense | $48,000 | 8,655 |
| Pre-tax net operating income | $123,000 | 7,551 |
| Securities gains (losses) | $-61,000 | 8,417 |
| Applicable income taxes | $12,000 | 6,049 |
| Income before extraordinary items | $50,000 | 7,903 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $50,000 | 7,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $42,000 | 4,833 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $99,410 | 7,546 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $386,000 | 7,971 |
| Total interest expense | $198,000 | 7,242 |
| Net interest income | $188,000 | 8,301 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $10,000 | 8,429 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $4,000 | 7,476 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 7,952 |
| Total noninterest expense | $128,000 | 8,515 |
| Salaries and employee benefits | $97,000 | 8,248 |
| Premises and equipment expense | $12,000 | 8,453 |
| Additional noninterest expense | $19,000 | 8,711 |
| Pre-tax net operating income | $70,000 | 7,436 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $29,000 | 5,067 |
| Income before extraordinary items | $41,000 | 7,673 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $41,000 | 7,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $25,000 | 3,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $41,000 | 7,675 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,499,000 | 7,901 |
| Total interest expense | $712,000 | 7,008 |
| Net interest income | $787,000 | 8,237 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $33,000 | 8,531 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $19,000 | 7,488 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $14,000 | 8,298 |
| Total noninterest expense | $522,000 | 8,535 |
| Salaries and employee benefits | $374,000 | 8,290 |
| Premises and equipment expense | $42,000 | 8,563 |
| Additional noninterest expense | $106,000 | 8,683 |
| Pre-tax net operating income | $298,000 | 7,384 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $89,000 | 5,460 |
| Income before extraordinary items | $209,000 | 7,543 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $209,000 | 7,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $110,000 | 5,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $209,000 | 7,517 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,103,000 | 7,950 |
| Total interest expense | $499,000 | 7,078 |
| Net interest income | $604,000 | 8,253 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $25,000 | 8,583 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,540 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,325 |
| Total noninterest expense | $382,000 | 8,544 |
| Salaries and employee benefits | $266,000 | 8,326 |
| Premises and equipment expense | $37,000 | 8,482 |
| Additional noninterest expense | $79,000 | 8,688 |
| Pre-tax net operating income | $247,000 | 7,434 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $74,000 | 5,502 |
| Income before extraordinary items | $173,000 | 7,589 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $173,000 | 7,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $72,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $173,000 | 7,556 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $719,000 | 7,985 |
| Total interest expense | $312,000 | 7,113 |
| Net interest income | $407,000 | 8,262 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $18,000 | 8,564 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $9,000 | 7,561 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $9,000 | 8,213 |
| Total noninterest expense | $266,000 | 8,518 |
| Salaries and employee benefits | $182,000 | 8,300 |
| Premises and equipment expense | $27,000 | 8,425 |
| Additional noninterest expense | $57,000 | 8,665 |
| Pre-tax net operating income | $159,000 | 7,487 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $38,000 | 5,720 |
| Income before extraordinary items | $121,000 | 7,578 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $121,000 | 7,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $47,000 | 4,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $121,000 | 7,535 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $354,000 | 8,052 |
| Total interest expense | $154,000 | 7,114 |
| Net interest income | $200,000 | 8,349 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $10,000 | 8,609 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $4,000 | 7,641 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $135,000 | 8,573 |
| Salaries and employee benefits | $91,000 | 8,381 |
| Premises and equipment expense | $15,000 | 8,426 |
| Additional noninterest expense | $29,000 | 8,714 |
| Pre-tax net operating income | $75,000 | 7,560 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $12,000 | 5,990 |
| Income before extraordinary items | $63,000 | 7,543 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $63,000 | 7,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $22,000 | 3,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $63,000 | 7,516 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,367,000 | 8,041 |
| Total interest expense | $590,000 | 6,980 |
| Net interest income | $777,000 | 8,333 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $32,000 | 8,706 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $18,000 | 7,685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $14,000 | 8,404 |
| Total noninterest expense | $494,000 | 8,678 |
| Salaries and employee benefits | $355,000 | 8,446 |
| Premises and equipment expense | $42,000 | 8,699 |
| Additional noninterest expense | $97,000 | 8,826 |
| Pre-tax net operating income | $315,000 | 7,386 |
| Securities gains (losses) | $7,000 | 3,010 |
| Applicable income taxes | $103,000 | 5,478 |
| Income before extraordinary items | $219,000 | 7,552 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $219,000 | 7,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $90,000 | 5,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $214,240 | 7,540 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,006,000 | 8,095 |
| Total interest expense | $422,000 | 7,089 |
| Net interest income | $584,000 | 8,374 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $25,000 | 8,754 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $14,000 | 7,719 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 8,414 |
| Total noninterest expense | $367,000 | 8,697 |
| Salaries and employee benefits | $263,000 | 8,456 |
| Premises and equipment expense | $33,000 | 8,685 |
| Additional noninterest expense | $71,000 | 8,870 |
| Pre-tax net operating income | $242,000 | 7,490 |
| Securities gains (losses) | $9,000 | 2,772 |
| Applicable income taxes | $78,000 | 5,616 |
| Income before extraordinary items | $173,000 | 7,634 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $173,000 | 7,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $68,000 | 4,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $166,790 | 7,631 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $662,000 | 8,171 |
| Total interest expense | $278,000 | 7,154 |
| Net interest income | $384,000 | 8,431 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $17,000 | 8,802 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $9,000 | 7,775 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,000 | 8,431 |
| Total noninterest expense | $244,000 | 8,755 |
| Salaries and employee benefits | $175,000 | 8,517 |
| Premises and equipment expense | $23,000 | 8,708 |
| Additional noninterest expense | $46,000 | 8,932 |
| Pre-tax net operating income | $157,000 | 7,506 |
| Securities gains (losses) | $9,000 | 2,475 |
| Applicable income taxes | $43,000 | 5,769 |
| Income before extraordinary items | $123,000 | 7,556 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $123,000 | 7,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $45,000 | 4,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $116,340 | 7,554 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $337,000 | 8,194 |
| Total interest expense | $141,000 | 7,178 |
| Net interest income | $196,000 | 8,454 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $10,000 | 8,794 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $4,000 | 7,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $119,000 | 8,824 |
| Salaries and employee benefits | $89,000 | 8,531 |
| Premises and equipment expense | $12,000 | 8,685 |
| Additional noninterest expense | $18,000 | 9,027 |
| Pre-tax net operating income | $87,000 | 7,358 |
| Securities gains (losses) | $24,000 | 1,620 |
| Applicable income taxes | $24,000 | 5,624 |
| Income before extraordinary items | $87,000 | 7,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $87,000 | 7,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $23,000 | 3,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $68,280 | 7,366 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,295,000 | 8,286 |
| Total interest expense | $592,000 | 7,418 |
| Net interest income | $703,000 | 8,559 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $33,000 | 8,914 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $19,000 | 7,850 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $14,000 | 8,625 |
| Total noninterest expense | $483,000 | 8,858 |
| Salaries and employee benefits | $341,000 | 8,617 |
| Premises and equipment expense | $47,000 | 8,809 |
| Additional noninterest expense | $95,000 | 9,029 |
| Pre-tax net operating income | $253,000 | 7,629 |
| Securities gains (losses) | $-4,000 | 8,670 |
| Applicable income taxes | $74,000 | 5,995 |
| Income before extraordinary items | $175,000 | 7,887 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $175,000 | 7,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $90,000 | 5,636 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $177,800 | 7,744 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $960,000 | 8,403 |
| Total interest expense | $439,000 | 7,589 |
| Net interest income | $521,000 | 8,638 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $25,000 | 8,985 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $14,000 | 7,914 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,647 |
| Total noninterest expense | $354,000 | 8,904 |
| Salaries and employee benefits | $247,000 | 8,664 |
| Premises and equipment expense | $38,000 | 8,797 |
| Additional noninterest expense | $69,000 | 9,074 |
| Pre-tax net operating income | $192,000 | 7,768 |
| Securities gains (losses) | $-1,000 | 8,731 |
| Applicable income taxes | $54,000 | 6,146 |
| Income before extraordinary items | $137,000 | 7,995 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $137,000 | 7,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $68,000 | 4,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $137,720 | 7,852 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $631,000 | 8,477 |
| Total interest expense | $298,000 | 7,675 |
| Net interest income | $333,000 | 8,717 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $17,000 | 9,018 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $9,000 | 7,940 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $8,000 | 8,587 |
| Total noninterest expense | $240,000 | 8,918 |
| Salaries and employee benefits | $167,000 | 8,679 |
| Premises and equipment expense | $27,000 | 8,765 |
| Additional noninterest expense | $46,000 | 9,097 |
| Pre-tax net operating income | $110,000 | 7,922 |
| Securities gains (losses) | $-1,000 | 8,850 |
| Applicable income taxes | $22,000 | 6,543 |
| Income before extraordinary items | $87,000 | 8,085 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $87,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $45,000 | 4,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $87,800 | 7,920 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $310,000 | 8,568 |
| Total interest expense | $153,000 | 7,708 |
| Net interest income | $157,000 | 8,809 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $10,000 | 8,992 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,983 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,357 |
| Total noninterest expense | $116,000 | 8,987 |
| Salaries and employee benefits | $84,000 | 8,713 |
| Premises and equipment expense | $13,000 | 8,800 |
| Additional noninterest expense | $19,000 | 9,199 |
| Pre-tax net operating income | $51,000 | 7,986 |
| Securities gains (losses) | $-1,000 | 8,995 |
| Applicable income taxes | $7,000 | 6,747 |
| Income before extraordinary items | $43,000 | 8,035 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $43,000 | 8,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $23,000 | 3,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $43,860 | 7,880 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,413,000 | 8,489 |
| Total interest expense | $700,000 | 7,822 |
| Net interest income | $713,000 | 8,719 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $32,000 | 9,094 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $20,000 | 7,975 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,000 | 8,821 |
| Total noninterest expense | $485,000 | 9,010 |
| Salaries and employee benefits | $328,000 | 8,786 |
| Premises and equipment expense | $49,000 | 8,917 |
| Additional noninterest expense | $108,000 | 9,131 |
| Pre-tax net operating income | $260,000 | 7,708 |
| Securities gains (losses) | $9,000 | 3,662 |
| Applicable income taxes | $88,000 | 6,081 |
| Income before extraordinary items | $181,000 | 7,940 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $181,000 | 7,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $85,000 | 5,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $174,970 | 7,856 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,487,000 | 8,747 |
| Total interest expense | $834,000 | 8,366 |
| Net interest income | $653,000 | 8,939 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $32,000 | 9,340 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $21,000 | 8,109 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $11,000 | 9,089 |
| Total noninterest expense | $464,000 | 9,247 |
| Salaries and employee benefits | $318,000 | 8,996 |
| Premises and equipment expense | $50,000 | 9,122 |
| Additional noninterest expense | $96,000 | 9,402 |
| Pre-tax net operating income | $221,000 | 7,783 |
| Securities gains (losses) | $8,000 | 3,714 |
| Applicable income taxes | $76,000 | 6,325 |
| Income before extraordinary items | $153,000 | 8,012 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $153,000 | 8,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $80,000 | 5,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $147,640 | 7,931 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,518,000 | 8,944 |
| Total interest expense | $800,000 | 8,645 |
| Net interest income | $718,000 | 9,071 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $31,000 | 9,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 8,252 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,421 |
| Total noninterest expense | $453,000 | 9,488 |
| Salaries and employee benefits | $304,000 | 9,233 |
| Premises and equipment expense | $52,000 | 9,324 |
| Additional noninterest expense | $97,000 | 9,648 |
| Pre-tax net operating income | $296,000 | 7,918 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $103,000 | 6,475 |
| Income before extraordinary items | $193,000 | 8,109 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $193,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $90,000 | 6,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $193,000 | 8,109 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,365,000 | 9,237 |
| Total interest expense | $708,000 | 8,931 |
| Net interest income | $657,000 | 9,378 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $29,000 | 9,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 8,514 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,728 |
| Total noninterest expense | $442,000 | 9,771 |
| Salaries and employee benefits | $300,000 | 9,467 |
| Premises and equipment expense | $52,000 | 9,602 |
| Additional noninterest expense | $90,000 | 9,996 |
| Pre-tax net operating income | $244,000 | 8,366 |
| Securities gains (losses) | $-14,000 | 9,441 |
| Applicable income taxes | $77,000 | 7,230 |
| Income before extraordinary items | $153,000 | 8,618 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $153,000 | 8,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,262 |
| Cash dividends | $87,000 | 6,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $162,380 | 8,529 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,389,000 | 9,428 |
| Total interest expense | $738,000 | 9,094 |
| Net interest income | $651,000 | 9,603 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $31,000 | 10,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 8,696 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,972 |
| Total noninterest expense | $424,000 | 9,989 |
| Salaries and employee benefits | $296,000 | 9,641 |
| Premises and equipment expense | $47,000 | 9,891 |
| Additional noninterest expense | $81,000 | 10,258 |
| Pre-tax net operating income | $258,000 | 8,627 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $89,000 | 7,701 |
| Income before extraordinary items | $169,000 | 8,846 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $169,000 | 8,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $65,000 | 6,687 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $169,000 | 8,778 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,391,000 | 9,818 |
| Total interest expense | $706,000 | 9,521 |
| Net interest income | $685,000 | 9,980 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $29,000 | 10,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 9,106 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,520 |
| Total noninterest expense | $395,000 | 10,489 |
| Salaries and employee benefits | $282,000 | 10,087 |
| Premises and equipment expense | $36,000 | 10,506 |
| Additional noninterest expense | $77,000 | 10,716 |
| Pre-tax net operating income | $319,000 | 8,890 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $111,000 | 8,224 |
| Income before extraordinary items | $206,000 | 9,100 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $206,000 | 9,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $110,000 | 6,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $207,300 | 9,057 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,298,000 | 10,391 |
| Total interest expense | $659,000 | 10,094 |
| Net interest income | $639,000 | 10,554 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $32,000 | 11,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 9,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 11,015 |
| Total noninterest expense | $363,000 | 11,084 |
| Salaries and employee benefits | $267,000 | 10,606 |
| Premises and equipment expense | $30,000 | 11,136 |
| Additional noninterest expense | $66,000 | 11,324 |
| Pre-tax net operating income | $308,000 | 9,077 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $100,000 | 8,748 |
| Income before extraordinary items | $208,000 | 9,220 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $208,000 | 9,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $208,000 | 9,166 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,255,000 | 10,909 |
| Total interest expense | $658,000 | 10,453 |
| Net interest income | $597,000 | 11,136 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $33,000 | 11,607 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 9,923 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 11,559 |
| Total noninterest expense | $371,000 | 11,531 |
| Salaries and employee benefits | $261,000 | 11,075 |
| Premises and equipment expense | $31,000 | 11,596 |
| Additional noninterest expense | $79,000 | 11,770 |
| Pre-tax net operating income | $259,000 | 10,050 |
| Securities gains (losses) | $-126,000 | 11,572 |
| Applicable income taxes | $48,000 | 10,228 |
| Income before extraordinary items | $85,000 | 11,058 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $85,000 | 11,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $96,000 | 6,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $165,640 | 10,284 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,228,000 | 11,290 |
| Total interest expense | $627,000 | 10,477 |
| Net interest income | $601,000 | 11,699 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $31,000 | 12,255 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 10,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 12,207 |
| Total noninterest expense | $391,000 | 12,076 |
| Salaries and employee benefits | $255,000 | 11,625 |
| Premises and equipment expense | $35,000 | 12,105 |
| Additional noninterest expense | $101,000 | 12,280 |
| Pre-tax net operating income | $241,000 | 10,568 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $86,000 | 9,666 |
| Income before extraordinary items | $155,000 | 10,754 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $155,000 | 10,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $113,000 | 6,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $155,000 | 10,802 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,267,000 | 11,755 |
| Total interest expense | $647,000 | 10,891 |
| Net interest income | $620,000 | 12,155 |
| Provision for loan and lease losses | $34,000 | 8,267 |
| Total noninterest income | $32,000 | 12,905 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 10,936 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,819 |
| Total noninterest expense | $378,000 | 12,730 |
| Salaries and employee benefits | $245,000 | 12,237 |
| Premises and equipment expense | $38,000 | 12,610 |
| Additional noninterest expense | $95,000 | 12,975 |
| Pre-tax net operating income | $240,000 | 10,699 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $76,000 | 10,314 |
| Income before extraordinary items | $170,000 | 10,976 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $170,000 | 11,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $105,000 | 6,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $165,860 | 10,816 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,302,000 | 12,398 |
| Total interest expense | $724,000 | 11,692 |
| Net interest income | $578,000 | 12,813 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $35,000 | 13,454 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 11,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 13,487 |
| Total noninterest expense | $374,000 | 13,288 |
| Salaries and employee benefits | $244,000 | 12,670 |
| Premises and equipment expense | $35,000 | 13,246 |
| Additional noninterest expense | $95,000 | 13,571 |
| Pre-tax net operating income | $239,000 | 10,711 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $79,000 | 10,473 |
| Income before extraordinary items | $160,000 | 11,128 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $160,000 | 11,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $75,000 | 7,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $160,000 | 10,789 |
* 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.