Home > Spirit Bank > Income and Expense
Spirit Bank, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,031,000 | 7,061 |
| Total interest expense | $286,000 | 6,607 |
| Net interest income | $745,000 | 7,113 |
| Provision for loan and lease losses | $21,000 | 6,208 |
| Total noninterest income | $163,000 | 5,965 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $111,000 | 5,368 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $52,000 | 5,899 |
| Total noninterest expense | $788,000 | 7,043 |
| Salaries and employee benefits | $279,000 | 7,226 |
| Premises and equipment expense | $151,000 | 6,415 |
| Additional noninterest expense | $358,000 | 6,682 |
| Pre-tax net operating income | $99,000 | 5,775 |
| Securities gains (losses) | $34,000 | 2,832 |
| Applicable income taxes | $14,000 | 4,225 |
| Income before extraordinary items | $119,000 | 5,805 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $119,000 | 5,807 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $119,000 | 5,807 |
| Net charge-offs | $3,000 | 6,306 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,061 |
| Net operating income | $88,740 | 5,803 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $794,000 | 7,122 |
| Total interest expense | $225,000 | 6,654 |
| Net interest income | $569,000 | 7,173 |
| Provision for loan and lease losses | $21,000 | 5,993 |
| Total noninterest income | $121,000 | 6,083 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $82,000 | 5,425 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $39,000 | 6,003 |
| Total noninterest expense | $602,000 | 7,078 |
| Salaries and employee benefits | $206,000 | 7,292 |
| Premises and equipment expense | $112,000 | 6,466 |
| Additional noninterest expense | $284,000 | 6,666 |
| Pre-tax net operating income | $67,000 | 5,933 |
| Securities gains (losses) | $-3,000 | 6,910 |
| Applicable income taxes | $-3,000 | 6,733 |
| Income before extraordinary items | $67,000 | 6,016 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $67,000 | 6,017 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $67,000 | 6,017 |
| Net charge-offs | $3,000 | 6,024 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,012 |
| Net operating income | $70,000 | 5,901 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $545,000 | 7,167 |
| Total interest expense | $152,000 | 6,734 |
| Net interest income | $393,000 | 7,217 |
| Provision for loan and lease losses | $37,000 | 5,336 |
| Total noninterest income | $79,000 | 6,138 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $53,000 | 5,467 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $26,000 | 6,062 |
| Total noninterest expense | $402,000 | 7,148 |
| Salaries and employee benefits | $130,000 | 7,380 |
| Premises and equipment expense | $74,000 | 6,523 |
| Additional noninterest expense | $198,000 | 6,675 |
| Pre-tax net operating income | $33,000 | 6,028 |
| Securities gains (losses) | $-3,000 | 6,961 |
| Applicable income taxes | $-7,000 | 6,844 |
| Income before extraordinary items | $37,000 | 6,097 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $37,000 | 6,096 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $37,000 | 6,097 |
| Net charge-offs | $4,000 | 5,600 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 952 |
| Net operating income | $40,000 | 5,989 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $267,000 | 7,234 |
| Total interest expense | $77,000 | 6,807 |
| Net interest income | $190,000 | 7,288 |
| Provision for loan and lease losses | $37,000 | 4,473 |
| Total noninterest income | $35,000 | 6,329 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $26,000 | 5,445 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $9,000 | 6,441 |
| Total noninterest expense | $194,000 | 7,229 |
| Salaries and employee benefits | $64,000 | 7,444 |
| Premises and equipment expense | $36,000 | 6,602 |
| Additional noninterest expense | $94,000 | 6,786 |
| Pre-tax net operating income | $-6,000 | 6,378 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-10,000 | 7,006 |
| Income before extraordinary items | $4,000 | 6,332 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $4,000 | 6,332 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $4,000 | 6,332 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $4,000 | 6,297 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,092,000 | 7,310 |
| Total interest expense | $332,000 | 6,968 |
| Net interest income | $760,000 | 7,345 |
| Provision for loan and lease losses | $99,000 | 6,052 |
| Total noninterest income | $170,000 | 6,160 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $123,000 | 5,223 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $47,000 | 6,156 |
| Total noninterest expense | $813,000 | 7,271 |
| Salaries and employee benefits | $255,000 | 7,518 |
| Premises and equipment expense | $161,000 | 6,533 |
| Additional noninterest expense | $397,000 | 6,806 |
| Pre-tax net operating income | $18,000 | 5,719 |
| Securities gains (losses) | $-82,000 | 7,205 |
| Applicable income taxes | $-68,000 | 6,766 |
| Income before extraordinary items | $4,000 | 5,949 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,000 | 5,949 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $4,000 | 5,949 |
| Net charge-offs | $128,000 | 5,204 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,211 |
| Net operating income | $56,480 | 5,636 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $821,000 | 7,417 |
| Total interest expense | $253,000 | 7,088 |
| Net interest income | $568,000 | 7,456 |
| Provision for loan and lease losses | $99,000 | 5,704 |
| Total noninterest income | $129,000 | 6,261 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $95,000 | 5,253 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $34,000 | 6,327 |
| Total noninterest expense | $606,000 | 7,349 |
| Salaries and employee benefits | $182,000 | 7,633 |
| Premises and equipment expense | $118,000 | 6,651 |
| Additional noninterest expense | $306,000 | 6,838 |
| Pre-tax net operating income | $-8,000 | 5,993 |
| Securities gains (losses) | $-44,000 | 7,322 |
| Applicable income taxes | $-39,000 | 6,945 |
| Income before extraordinary items | $-13,000 | 6,164 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-13,000 | 6,165 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-13,000 | 6,165 |
| Net charge-offs | $122,000 | 4,704 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,129 |
| Net operating income | $15,160 | 5,945 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $548,000 | 7,480 |
| Total interest expense | $172,000 | 7,149 |
| Net interest income | $376,000 | 7,519 |
| Provision for loan and lease losses | $86,000 | 5,333 |
| Total noninterest income | $86,000 | 6,293 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $64,000 | 5,249 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $22,000 | 6,389 |
| Total noninterest expense | $402,000 | 7,413 |
| Salaries and employee benefits | $117,000 | 7,710 |
| Premises and equipment expense | $79,000 | 6,680 |
| Additional noninterest expense | $206,000 | 6,868 |
| Pre-tax net operating income | $-26,000 | 6,131 |
| Securities gains (losses) | $-19,000 | 7,360 |
| Applicable income taxes | $-22,000 | 6,981 |
| Income before extraordinary items | $-23,000 | 6,241 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-23,000 | 6,242 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-23,000 | 6,241 |
| Net charge-offs | $112,000 | 4,126 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,053 |
| Net operating income | $-10,840 | 6,109 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $275,000 | 7,575 |
| Total interest expense | $87,000 | 7,262 |
| Net interest income | $188,000 | 7,607 |
| Provision for loan and lease losses | $16,000 | 5,847 |
| Total noninterest income | $43,000 | 6,327 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $32,000 | 5,262 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $11,000 | 6,524 |
| Total noninterest expense | $213,000 | 7,471 |
| Salaries and employee benefits | $60,000 | 7,802 |
| Premises and equipment expense | $41,000 | 6,710 |
| Additional noninterest expense | $112,000 | 6,846 |
| Pre-tax net operating income | $2,000 | 6,226 |
| Securities gains (losses) | $-20,000 | 7,560 |
| Applicable income taxes | $-13,000 | 7,130 |
| Income before extraordinary items | $-5,000 | 6,421 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-5,000 | 6,423 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-5,000 | 6,422 |
| Net charge-offs | $40,000 | 3,918 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $7,800 | 6,186 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,173,000 | 7,618 |
| Total interest expense | $406,000 | 7,343 |
| Net interest income | $767,000 | 7,646 |
| Provision for loan and lease losses | $30,000 | 7,048 |
| Total noninterest income | $169,000 | 6,446 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $133,000 | 5,328 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $36,000 | 6,622 |
| Total noninterest expense | $854,000 | 7,553 |
| Salaries and employee benefits | $271,000 | 7,861 |
| Premises and equipment expense | $167,000 | 6,772 |
| Additional noninterest expense | $416,000 | 7,053 |
| Pre-tax net operating income | $52,000 | 5,237 |
| Securities gains (losses) | $-341,000 | 7,524 |
| Applicable income taxes | $-112,000 | 6,597 |
| Income before extraordinary items | $-177,000 | 5,793 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-177,000 | 5,792 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-177,000 | 5,792 |
| Net charge-offs | $143,000 | 5,379 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,315 |
| Net operating income | $41,240 | 5,320 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $880,000 | 7,698 |
| Total interest expense | $311,000 | 7,434 |
| Net interest income | $569,000 | 7,719 |
| Provision for loan and lease losses | $10,000 | 7,094 |
| Total noninterest income | $124,000 | 6,585 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $101,000 | 5,353 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $23,000 | 6,907 |
| Total noninterest expense | $643,000 | 7,595 |
| Salaries and employee benefits | $206,000 | 7,915 |
| Premises and equipment expense | $120,000 | 6,887 |
| Additional noninterest expense | $317,000 | 7,054 |
| Pre-tax net operating income | $40,000 | 5,529 |
| Securities gains (losses) | $-196,000 | 7,582 |
| Applicable income taxes | $-12,000 | 6,665 |
| Income before extraordinary items | $-144,000 | 6,039 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-144,000 | 6,040 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-144,000 | 6,039 |
| Net charge-offs | $114,000 | 4,936 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,223 |
| Net operating income | $36,320 | 5,566 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $582,000 | 7,784 |
| Total interest expense | $212,000 | 7,521 |
| Net interest income | $370,000 | 7,795 |
| Provision for loan and lease losses | $10,000 | 6,907 |
| Total noninterest income | $82,000 | 6,655 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $65,000 | 5,414 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $17,000 | 6,927 |
| Total noninterest expense | $433,000 | 7,661 |
| Salaries and employee benefits | $138,000 | 8,001 |
| Premises and equipment expense | $80,000 | 6,940 |
| Additional noninterest expense | $215,000 | 7,075 |
| Pre-tax net operating income | $9,000 | 5,747 |
| Securities gains (losses) | $-149,000 | 7,745 |
| Applicable income taxes | $-12,000 | 6,817 |
| Income before extraordinary items | $-128,000 | 6,243 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-128,000 | 6,242 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-128,000 | 6,242 |
| Net charge-offs | $116,000 | 4,083 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,172 |
| Net operating income | $7,590 | 5,787 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $287,000 | 7,849 |
| Total interest expense | $106,000 | 7,603 |
| Net interest income | $181,000 | 7,855 |
| Provision for loan and lease losses | $8,000 | 6,409 |
| Total noninterest income | $39,000 | 6,695 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $30,000 | 5,504 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $9,000 | 6,953 |
| Total noninterest expense | $207,000 | 7,727 |
| Salaries and employee benefits | $69,000 | 8,052 |
| Premises and equipment expense | $40,000 | 6,984 |
| Additional noninterest expense | $98,000 | 7,123 |
| Pre-tax net operating income | $5,000 | 6,175 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-5,000 | 7,129 |
| Income before extraordinary items | $10,000 | 6,276 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $10,000 | 6,278 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $10,000 | 6,278 |
| Net charge-offs | $135,000 | 2,522 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $10,000 | 6,126 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,315,000 | 7,805 |
| Total interest expense | $570,000 | 7,551 |
| Net interest income | $745,000 | 7,863 |
| Provision for loan and lease losses | $265,000 | 4,825 |
| Total noninterest income | $206,000 | 6,446 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $169,000 | 5,091 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $37,000 | 7,038 |
| Total noninterest expense | $822,000 | 7,771 |
| Salaries and employee benefits | $280,000 | 8,101 |
| Premises and equipment expense | $165,000 | 7,003 |
| Additional noninterest expense | $377,000 | 7,135 |
| Pre-tax net operating income | $-136,000 | 6,488 |
| Securities gains (losses) | $17,000 | 2,264 |
| Applicable income taxes | $-74,000 | 7,019 |
| Income before extraordinary items | $-45,000 | 6,299 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-45,000 | 6,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 4,586 |
| Cash dividends | $100,000 | 4,953 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,363 |
| Net operating income | $-55,880 | 6,457 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,000,000 | 7,890 |
| Total interest expense | $447,000 | 7,618 |
| Net interest income | $553,000 | 7,956 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $157,000 | 6,525 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $131,000 | 5,081 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $26,000 | 7,229 |
| Total noninterest expense | $619,000 | 7,799 |
| Salaries and employee benefits | $212,000 | 8,162 |
| Premises and equipment expense | $116,000 | 7,164 |
| Additional noninterest expense | $291,000 | 7,102 |
| Pre-tax net operating income | $91,000 | 6,440 |
| Securities gains (losses) | $17,000 | 2,103 |
| Applicable income taxes | $11,000 | 4,828 |
| Income before extraordinary items | $97,000 | 6,198 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $97,000 | 6,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,975 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,225 |
| Net operating income | $81,700 | 6,418 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $671,000 | 7,928 |
| Total interest expense | $306,000 | 7,687 |
| Net interest income | $365,000 | 8,007 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $108,000 | 6,548 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $92,000 | 4,990 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $16,000 | 7,379 |
| Total noninterest expense | $416,000 | 7,856 |
| Salaries and employee benefits | $141,000 | 8,226 |
| Premises and equipment expense | $78,000 | 7,187 |
| Additional noninterest expense | $197,000 | 7,088 |
| Pre-tax net operating income | $57,000 | 6,635 |
| Securities gains (losses) | $14,000 | 2,273 |
| Applicable income taxes | $7,000 | 5,127 |
| Income before extraordinary items | $64,000 | 6,600 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $64,000 | 6,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,312 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,122 |
| Net operating income | $51,400 | 6,628 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $342,000 | 7,985 |
| Total interest expense | $160,000 | 7,749 |
| Net interest income | $182,000 | 8,062 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $54,000 | 6,542 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $46,000 | 4,958 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $8,000 | 7,392 |
| Total noninterest expense | $210,000 | 7,882 |
| Salaries and employee benefits | $72,000 | 8,252 |
| Premises and equipment expense | $40,000 | 7,158 |
| Additional noninterest expense | $98,000 | 7,100 |
| Pre-tax net operating income | $26,000 | 6,901 |
| Securities gains (losses) | $4,000 | 2,294 |
| Applicable income taxes | $2,000 | 5,366 |
| Income before extraordinary items | $28,000 | 6,902 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $28,000 | 6,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $24,280 | 6,866 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,355,000 | 7,977 |
| Total interest expense | $673,000 | 7,708 |
| Net interest income | $682,000 | 8,105 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $179,000 | 6,899 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $148,000 | 5,446 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $31,000 | 7,517 |
| Total noninterest expense | $698,000 | 8,095 |
| Salaries and employee benefits | $241,000 | 8,380 |
| Premises and equipment expense | $96,000 | 7,796 |
| Additional noninterest expense | $361,000 | 7,245 |
| Pre-tax net operating income | $163,000 | 6,967 |
| Securities gains (losses) | $9,000 | 1,380 |
| Applicable income taxes | $33,000 | 5,167 |
| Income before extraordinary items | $139,000 | 6,995 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $139,000 | 6,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,313 |
| Cash dividends | $90,000 | 5,412 |
| Sale, conversion, retirement of capital stock, net | $-7,000 | 8,409 |
| Net operating income | $131,710 | 7,005 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,023,000 | 8,032 |
| Total interest expense | $511,000 | 7,726 |
| Net interest income | $512,000 | 8,164 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $123,000 | 7,050 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $103,000 | 5,584 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $20,000 | 7,670 |
| Total noninterest expense | $489,000 | 8,135 |
| Salaries and employee benefits | $176,000 | 8,376 |
| Premises and equipment expense | $53,000 | 8,044 |
| Additional noninterest expense | $260,000 | 7,310 |
| Pre-tax net operating income | $146,000 | 7,157 |
| Securities gains (losses) | $9,000 | 1,036 |
| Applicable income taxes | $38,000 | 5,126 |
| Income before extraordinary items | $117,000 | 7,185 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $117,000 | 7,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,682 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $-6,000 | 8,453 |
| Net operating income | $110,250 | 7,203 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $671,000 | 8,112 |
| Total interest expense | $332,000 | 7,790 |
| Net interest income | $339,000 | 8,232 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $80,000 | 7,121 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $66,000 | 5,676 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $14,000 | 7,664 |
| Total noninterest expense | $325,000 | 8,189 |
| Salaries and employee benefits | $118,000 | 8,433 |
| Premises and equipment expense | $34,000 | 8,121 |
| Additional noninterest expense | $173,000 | 7,328 |
| Pre-tax net operating income | $94,000 | 7,282 |
| Securities gains (losses) | $3,000 | 1,133 |
| Applicable income taxes | $24,000 | 5,246 |
| Income before extraordinary items | $73,000 | 7,316 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $73,000 | 7,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,915 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $-6,000 | 8,524 |
| Net operating income | $70,750 | 7,324 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $327,000 | 8,184 |
| Total interest expense | $166,000 | 7,825 |
| Net interest income | $161,000 | 8,327 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $42,000 | 7,055 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $34,000 | 5,592 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $8,000 | 7,599 |
| Total noninterest expense | $166,000 | 8,198 |
| Salaries and employee benefits | $62,000 | 8,455 |
| Premises and equipment expense | $17,000 | 8,143 |
| Additional noninterest expense | $87,000 | 7,339 |
| Pre-tax net operating income | $37,000 | 7,454 |
| Securities gains (losses) | $3,000 | 908 |
| Applicable income taxes | $9,000 | 5,389 |
| Income before extraordinary items | $31,000 | 7,454 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $31,000 | 7,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,851 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $-7,000 | 8,584 |
| Net operating income | $28,690 | 7,476 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,197,000 | 8,140 |
| Total interest expense | $546,000 | 7,831 |
| Net interest income | $651,000 | 8,262 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $156,000 | 7,253 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $133,000 | 5,736 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $23,000 | 7,889 |
| Total noninterest expense | $615,000 | 8,295 |
| Salaries and employee benefits | $206,000 | 8,542 |
| Premises and equipment expense | $68,000 | 8,169 |
| Additional noninterest expense | $341,000 | 7,359 |
| Pre-tax net operating income | $192,000 | 7,436 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $65,000 | 5,274 |
| Income before extraordinary items | $128,000 | 7,568 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $128,000 | 7,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,486 |
| Cash dividends | $90,000 | 5,496 |
| Sale, conversion, retirement of capital stock, net | $-13,000 | 8,574 |
| Net operating income | $127,340 | 7,565 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $874,000 | 8,222 |
| Total interest expense | $396,000 | 7,888 |
| Net interest income | $478,000 | 8,355 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $111,000 | 7,381 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $95,000 | 5,880 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,000 | 7,988 |
| Total noninterest expense | $465,000 | 8,304 |
| Salaries and employee benefits | $153,000 | 8,598 |
| Premises and equipment expense | $50,000 | 8,221 |
| Additional noninterest expense | $262,000 | 7,334 |
| Pre-tax net operating income | $124,000 | 7,725 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $42,000 | 5,539 |
| Income before extraordinary items | $82,000 | 7,818 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $82,000 | 7,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $82,000 | 7,819 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $562,000 | 8,291 |
| Total interest expense | $255,000 | 7,915 |
| Net interest income | $307,000 | 8,443 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $74,000 | 7,429 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $64,000 | 5,863 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,000 | 8,084 |
| Total noninterest expense | $312,000 | 8,336 |
| Salaries and employee benefits | $103,000 | 8,637 |
| Premises and equipment expense | $31,000 | 8,292 |
| Additional noninterest expense | $178,000 | 7,311 |
| Pre-tax net operating income | $69,000 | 7,857 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $23,000 | 5,728 |
| Income before extraordinary items | $46,000 | 7,934 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $46,000 | 7,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $46,000 | 7,938 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $271,000 | 8,337 |
| Total interest expense | $120,000 | 7,952 |
| Net interest income | $151,000 | 8,483 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $34,000 | 7,527 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $29,000 | 5,974 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,055 |
| Total noninterest expense | $156,000 | 8,354 |
| Salaries and employee benefits | $52,000 | 8,646 |
| Premises and equipment expense | $14,000 | 8,354 |
| Additional noninterest expense | $90,000 | 7,293 |
| Pre-tax net operating income | $29,000 | 7,937 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $8,000 | 5,862 |
| Income before extraordinary items | $21,000 | 7,969 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $21,000 | 7,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $21,000 | 7,964 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,039,000 | 8,300 |
| Total interest expense | $436,000 | 7,799 |
| Net interest income | $603,000 | 8,443 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $146,000 | 7,528 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $120,000 | 6,002 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $26,000 | 7,968 |
| Total noninterest expense | $625,000 | 8,377 |
| Salaries and employee benefits | $184,000 | 8,705 |
| Premises and equipment expense | $83,000 | 8,057 |
| Additional noninterest expense | $358,000 | 7,316 |
| Pre-tax net operating income | $124,000 | 7,919 |
| Securities gains (losses) | $-12,000 | 7,607 |
| Applicable income taxes | $37,000 | 6,041 |
| Income before extraordinary items | $75,000 | 8,046 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $75,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,118 |
| Cash dividends | $90,000 | 5,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $83,040 | 7,996 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $775,000 | 8,343 |
| Total interest expense | $319,000 | 7,805 |
| Net interest income | $456,000 | 8,481 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $113,000 | 7,519 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $92,000 | 6,004 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $21,000 | 7,938 |
| Total noninterest expense | $470,000 | 8,353 |
| Salaries and employee benefits | $137,000 | 8,720 |
| Premises and equipment expense | $62,000 | 8,073 |
| Additional noninterest expense | $271,000 | 7,311 |
| Pre-tax net operating income | $99,000 | 8,024 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $33,000 | 6,025 |
| Income before extraordinary items | $66,000 | 8,126 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $66,000 | 8,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,516 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $66,000 | 8,092 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $512,000 | 8,357 |
| Total interest expense | $208,000 | 7,783 |
| Net interest income | $304,000 | 8,501 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $76,000 | 7,485 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $60,000 | 6,007 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $16,000 | 7,844 |
| Total noninterest expense | $302,000 | 8,391 |
| Salaries and employee benefits | $91,000 | 8,739 |
| Premises and equipment expense | $39,000 | 8,135 |
| Additional noninterest expense | $172,000 | 7,377 |
| Pre-tax net operating income | $78,000 | 7,975 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $26,000 | 5,957 |
| Income before extraordinary items | $52,000 | 8,095 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $52,000 | 8,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $52,000 | 8,061 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $247,000 | 8,455 |
| Total interest expense | $96,000 | 7,901 |
| Net interest income | $151,000 | 8,587 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $35,000 | 7,613 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $23,000 | 6,401 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $151,000 | 8,469 |
| Salaries and employee benefits | $46,000 | 8,804 |
| Premises and equipment expense | $19,000 | 8,223 |
| Additional noninterest expense | $86,000 | 7,444 |
| Pre-tax net operating income | $35,000 | 8,092 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $12,000 | 5,990 |
| Income before extraordinary items | $23,000 | 8,206 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $23,000 | 8,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $23,000 | 8,179 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $930,000 | 8,456 |
| Total interest expense | $291,000 | 8,142 |
| Net interest income | $639,000 | 8,504 |
| Provision for loan and lease losses | $1,000 | 7,299 |
| Total noninterest income | $142,000 | 7,684 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $126,000 | 6,094 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $16,000 | 8,340 |
| Total noninterest expense | $598,000 | 8,524 |
| Salaries and employee benefits | $181,000 | 8,838 |
| Premises and equipment expense | $81,000 | 8,197 |
| Additional noninterest expense | $336,000 | 7,489 |
| Pre-tax net operating income | $182,000 | 7,837 |
| Securities gains (losses) | $-16,000 | 8,332 |
| Applicable income taxes | $61,000 | 5,913 |
| Income before extraordinary items | $105,000 | 8,070 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $105,000 | 8,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,177 |
| Cash dividends | $100,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $115,240 | 7,987 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $694,000 | 8,506 |
| Total interest expense | $207,000 | 8,223 |
| Net interest income | $487,000 | 8,540 |
| Provision for loan and lease losses | $2,000 | 7,053 |
| Total noninterest income | $110,000 | 7,673 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $100,000 | 6,053 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 8,467 |
| Total noninterest expense | $439,000 | 8,545 |
| Salaries and employee benefits | $132,000 | 8,884 |
| Premises and equipment expense | $59,000 | 8,222 |
| Additional noninterest expense | $248,000 | 7,512 |
| Pre-tax net operating income | $156,000 | 7,887 |
| Securities gains (losses) | $-15,000 | 8,589 |
| Applicable income taxes | $51,000 | 5,955 |
| Income before extraordinary items | $90,000 | 8,133 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $90,000 | 8,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,103 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $99,600 | 8,020 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $455,000 | 8,577 |
| Total interest expense | $136,000 | 8,300 |
| Net interest income | $319,000 | 8,608 |
| Provision for loan and lease losses | $1,000 | 6,852 |
| Total noninterest income | $77,000 | 7,649 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $70,000 | 5,970 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,000 | 8,495 |
| Total noninterest expense | $296,000 | 8,578 |
| Salaries and employee benefits | $90,000 | 8,939 |
| Premises and equipment expense | $37,000 | 8,342 |
| Additional noninterest expense | $169,000 | 7,496 |
| Pre-tax net operating income | $99,000 | 7,930 |
| Securities gains (losses) | $-15,000 | 8,750 |
| Applicable income taxes | $30,000 | 6,027 |
| Income before extraordinary items | $54,000 | 8,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $54,000 | 8,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $63,600 | 8,071 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $226,000 | 8,633 |
| Total interest expense | $68,000 | 8,367 |
| Net interest income | $158,000 | 8,656 |
| Provision for loan and lease losses | $1,000 | 6,438 |
| Total noninterest income | $38,000 | 7,671 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $33,000 | 6,033 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $149,000 | 8,615 |
| Salaries and employee benefits | $45,000 | 8,982 |
| Premises and equipment expense | $18,000 | 8,372 |
| Additional noninterest expense | $86,000 | 7,481 |
| Pre-tax net operating income | $46,000 | 7,970 |
| Securities gains (losses) | $-3,000 | 8,790 |
| Applicable income taxes | $12,000 | 6,136 |
| Income before extraordinary items | $31,000 | 8,136 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $31,000 | 8,137 |
| 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 | $33,160 | 8,032 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $898,000 | 8,670 |
| Total interest expense | $308,000 | 8,432 |
| Net interest income | $590,000 | 8,706 |
| Provision for loan and lease losses | $9,000 | 7,413 |
| Total noninterest income | $135,000 | 7,959 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $121,000 | 6,263 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $14,000 | 8,625 |
| Total noninterest expense | $604,000 | 8,647 |
| Salaries and employee benefits | $169,000 | 9,044 |
| Premises and equipment expense | $90,000 | 8,193 |
| Additional noninterest expense | $345,000 | 7,481 |
| Pre-tax net operating income | $112,000 | 8,153 |
| Securities gains (losses) | $37,000 | 2,758 |
| Applicable income taxes | $49,000 | 6,289 |
| Income before extraordinary items | $100,000 | 8,219 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $100,000 | 8,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,130 |
| Cash dividends | $60,000 | 5,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $75,210 | 8,239 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $672,000 | 8,760 |
| Total interest expense | $239,000 | 8,510 |
| Net interest income | $433,000 | 8,795 |
| Provision for loan and lease losses | $5,000 | 7,333 |
| Total noninterest income | $98,000 | 8,055 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $88,000 | 6,353 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 8,693 |
| Total noninterest expense | $454,000 | 8,651 |
| Salaries and employee benefits | $126,000 | 9,099 |
| Premises and equipment expense | $69,000 | 8,186 |
| Additional noninterest expense | $259,000 | 7,484 |
| Pre-tax net operating income | $72,000 | 8,357 |
| Securities gains (losses) | $37,000 | 2,545 |
| Applicable income taxes | $38,000 | 6,421 |
| Income before extraordinary items | $71,000 | 8,414 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $71,000 | 8,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,594 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $46,950 | 8,432 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $440,000 | 8,816 |
| Total interest expense | $164,000 | 8,559 |
| Net interest income | $276,000 | 8,859 |
| Provision for loan and lease losses | $4,000 | 7,175 |
| Total noninterest income | $65,000 | 8,044 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $58,000 | 6,356 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $7,000 | 8,670 |
| Total noninterest expense | $305,000 | 8,659 |
| Salaries and employee benefits | $85,000 | 9,132 |
| Premises and equipment expense | $45,000 | 8,229 |
| Additional noninterest expense | $175,000 | 7,460 |
| Pre-tax net operating income | $32,000 | 8,489 |
| Securities gains (losses) | $38,000 | 2,204 |
| Applicable income taxes | $24,000 | 6,488 |
| Income before extraordinary items | $46,000 | 8,458 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $46,000 | 8,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $20,920 | 8,521 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $204,000 | 8,925 |
| Total interest expense | $82,000 | 8,643 |
| Net interest income | $122,000 | 8,986 |
| Provision for loan and lease losses | $1,000 | 6,877 |
| Total noninterest income | $32,000 | 8,066 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $28,000 | 6,375 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,607 |
| Total noninterest expense | $159,000 | 8,665 |
| Salaries and employee benefits | $44,000 | 9,170 |
| Premises and equipment expense | $22,000 | 8,271 |
| Additional noninterest expense | $93,000 | 7,327 |
| Pre-tax net operating income | $-6,000 | 8,748 |
| Securities gains (losses) | $22,000 | 1,846 |
| Applicable income taxes | $5,000 | 6,893 |
| Income before extraordinary items | $11,000 | 8,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $11,000 | 8,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-4,180 | 8,697 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,212,000 | 8,670 |
| Total interest expense | $537,000 | 8,280 |
| Net interest income | $675,000 | 8,774 |
| Provision for loan and lease losses | $41,000 | 6,906 |
| Total noninterest income | $139,000 | 7,951 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $123,000 | 6,207 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $16,000 | 8,678 |
| Total noninterest expense | $585,000 | 8,804 |
| Salaries and employee benefits | $172,000 | 9,202 |
| Premises and equipment expense | $81,000 | 8,428 |
| Additional noninterest expense | $332,000 | 7,573 |
| Pre-tax net operating income | $188,000 | 7,965 |
| Securities gains (losses) | $24,000 | 3,010 |
| Applicable income taxes | $69,000 | 6,297 |
| Income before extraordinary items | $143,000 | 8,124 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $143,000 | 8,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,634 |
| Cash dividends | $100,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $126,920 | 8,105 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,584,000 | 8,654 |
| Total interest expense | $953,000 | 8,116 |
| Net interest income | $631,000 | 8,977 |
| Provision for loan and lease losses | $61,000 | 6,339 |
| Total noninterest income | $87,000 | 8,689 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $74,000 | 7,088 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $13,000 | 9,003 |
| Total noninterest expense | $536,000 | 9,106 |
| Salaries and employee benefits | $183,000 | 9,436 |
| Premises and equipment expense | $75,000 | 8,708 |
| Additional noninterest expense | $278,000 | 8,015 |
| Pre-tax net operating income | $121,000 | 8,233 |
| Securities gains (losses) | $10,000 | 3,593 |
| Applicable income taxes | $45,000 | 6,794 |
| Income before extraordinary items | $86,000 | 8,416 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $86,000 | 8,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,392 |
| Cash dividends | $750,000 | 2,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $79,400 | 8,350 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,529,000 | 8,923 |
| Total interest expense | $917,000 | 8,406 |
| Net interest income | $612,000 | 9,273 |
| Provision for loan and lease losses | $101,000 | 5,260 |
| Total noninterest income | $79,000 | 8,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 7,489 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 8,843 |
| Total noninterest expense | $556,000 | 9,228 |
| Salaries and employee benefits | $182,000 | 9,671 |
| Premises and equipment expense | $84,000 | 8,716 |
| Additional noninterest expense | $290,000 | 8,022 |
| Pre-tax net operating income | $34,000 | 9,007 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $14,000 | 7,972 |
| Income before extraordinary items | $23,000 | 9,061 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $23,000 | 9,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,537 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $21,080 | 9,055 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $895,000 | 9,703 |
| Total interest expense | $398,000 | 9,655 |
| Net interest income | $497,000 | 9,687 |
| Provision for loan and lease losses | $88,000 | 5,519 |
| Total noninterest income | $66,000 | 9,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 8,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,625 |
| Total noninterest expense | $589,000 | 9,355 |
| Salaries and employee benefits | $192,000 | 9,941 |
| Premises and equipment expense | $75,000 | 9,124 |
| Additional noninterest expense | $322,000 | 7,933 |
| Pre-tax net operating income | $-114,000 | 9,546 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $-38,000 | 9,788 |
| Income before extraordinary items | $-71,000 | 9,545 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-71,000 | 9,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,993,000 | 369 |
| Net operating income | $-74,250 | 9,523 |
* 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.