Home > St. Stephen State Bank > Income and Expense

St. Stephen State Bank, Income and Expense

2009-12-31 (YTD Data)Rank
Total interest income$1,421,0007,465
Total interest expense$547,0007,030
Net interest income$874,0007,558
Provision for loan and lease losses$2,493,0002,191
Total noninterest income$299,0005,610
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$88,0005,919
Trading account gains and fees$0211
Additional Noninterest Income$211,0004,547
Total noninterest expense$1,879,0006,368
Salaries and employee benefits$909,0006,434
Premises and equipment expense$316,0005,529
Additional noninterest expense$654,0006,286
Pre-tax net operating income$-3,199,0006,932
Securities gains (losses)$03,754
Applicable income taxes$2,0004,160
Income before extraordinary items$-3,201,0007,032
Extraordinary gains, net$034
Net income$-3,201,0007,030
Minority interest net income$0115
Net income of bank and minority interests.$-3,201,0007,031
Net charge-offs$626,0003,503
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-3,201,0007,033
2009-09-30 (YTD Data)Rank
Total interest income$1,163,0007,466
Total interest expense$430,0007,086
Net interest income$733,0007,534
Provision for loan and lease losses$1,493,0002,229
Total noninterest income$262,0005,431
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$74,0005,821
Trading account gains and fees$0212
Additional Noninterest Income$188,0004,390
Total noninterest expense$1,433,0006,351
Salaries and employee benefits$731,0006,333
Premises and equipment expense$235,0005,602
Additional noninterest expense$467,0006,398
Pre-tax net operating income$-1,931,0007,024
Securities gains (losses)$03,497
Applicable income taxes$2,0004,371
Income before extraordinary items$-1,933,0007,147
Extraordinary gains, net$027
Net income$-1,933,0007,147
Minority interest net income$0118
Net income of bank and minority interests.$-1,933,0007,146
Net charge-offs$308,0003,667
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-1,933,0007,144
2009-06-30 (YTD Data)Rank
Total interest income$803,0007,497
Total interest expense$305,0007,117
Net interest income$498,0007,563
Provision for loan and lease losses$585,0002,759
Total noninterest income$223,0005,028
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$56,0005,635
Trading account gains and fees$0193
Additional Noninterest Income$167,0003,929
Total noninterest expense$935,0006,452
Salaries and employee benefits$498,0006,349
Premises and equipment expense$160,0005,602
Additional noninterest expense$277,0006,658
Pre-tax net operating income$-799,0006,897
Securities gains (losses)$03,136
Applicable income taxes$2,0004,423
Income before extraordinary items$-801,0007,024
Extraordinary gains, net$021
Net income$-801,0007,025
Minority interest net income$0112
Net income of bank and minority interests.$-801,0007,024
Net charge-offs$173,0003,610
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-801,0007,013
2009-03-31 (YTD Data)Rank
Total interest income$408,0007,532
Total interest expense$166,0007,083
Net interest income$242,0007,627
Provision for loan and lease losses$157,0003,162
Total noninterest income$61,0006,076
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$32,0005,411
Trading account gains and fees$0171
Additional Noninterest Income$29,0005,665
Total noninterest expense$467,0006,420
Salaries and employee benefits$268,0006,237
Premises and equipment expense$82,0005,600
Additional noninterest expense$117,0006,823
Pre-tax net operating income$-321,0007,095
Securities gains (losses)$02,434
Applicable income taxes$2,0004,551
Income before extraordinary items$-323,0007,240
Extraordinary gains, net$015
Net income$-323,0007,241
Minority interest net income$0102
Net income of bank and minority interests.$-323,0007,241
Net charge-offs$134,0002,533
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-323,0007,192
2008-12-31 (YTD Data)Rank
Total interest income$2,177,0007,203
Total interest expense$830,0007,079
Net interest income$1,347,0007,192
Provision for loan and lease losses$548,0003,672
Total noninterest income$395,0005,304
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$156,0005,243
Trading account gains and fees$0154
Additional Noninterest Income$239,0004,528
Total noninterest expense$1,893,0006,376
Salaries and employee benefits$1,101,0006,206
Premises and equipment expense$323,0005,617
Additional noninterest expense$469,0006,754
Pre-tax net operating income$-699,0006,874
Securities gains (losses)$03,220
Applicable income taxes$04,979
Income before extraordinary items$-699,0006,831
Extraordinary gains, net$039
Net income$-699,0006,831
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$184,0004,200
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$-699,0006,955
2008-09-30 (YTD Data)Rank
Total interest income$1,668,0007,254
Total interest expense$647,0007,124
Net interest income$1,021,0007,229
Provision for loan and lease losses$45,0005,958
Total noninterest income$345,0005,106
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$122,0005,209
Trading account gains and fees$0148
Additional Noninterest Income$223,0004,220
Total noninterest expense$1,435,0006,333
Salaries and employee benefits$840,0006,164
Premises and equipment expense$240,0005,660
Additional noninterest expense$355,0006,730
Pre-tax net operating income$-114,0006,929
Securities gains (losses)$03,106
Applicable income taxes$05,372
Income before extraordinary items$-114,0006,809
Extraordinary gains, net$031
Net income$-114,0006,807
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0005,374
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-114,0006,981
2008-06-30 (YTD Data)Rank
Total interest income$1,141,0007,280
Total interest expense$453,0007,165
Net interest income$688,0007,240
Provision for loan and lease losses$30,0005,577
Total noninterest income$251,0004,992
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$78,0005,295
Trading account gains and fees$0149
Additional Noninterest Income$173,0004,055
Total noninterest expense$945,0006,407
Salaries and employee benefits$562,0006,220
Premises and equipment expense$155,0005,762
Additional noninterest expense$228,0006,819
Pre-tax net operating income$-36,0007,059
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$-36,0007,123
Extraordinary gains, net$021
Net income$-36,0007,122
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0005,718
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-36,0007,089
2008-03-31 (YTD Data)Rank
Total interest income$590,0007,300
Total interest expense$231,0007,248
Net interest income$359,0007,197
Provision for loan and lease losses$15,0005,068
Total noninterest income$127,0004,962
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$35,0005,454
Trading account gains and fees$0158
Additional Noninterest Income$92,0003,930
Total noninterest expense$476,0006,421
Salaries and employee benefits$281,0006,254
Premises and equipment expense$79,0005,756
Additional noninterest expense$116,0006,795
Pre-tax net operating income$-5,0007,203
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$-5,0007,309
Extraordinary gains, net$015
Net income$-5,0007,310
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0003,778
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-5,0007,227
2007-12-31 (YTD Data)Rank
Total interest income$2,146,0007,456
Total interest expense$732,0007,598
Net interest income$1,414,0007,232
Provision for loan and lease losses$107,0004,818
Total noninterest income$566,0004,755
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$178,0005,129
Trading account gains and fees$0178
Additional Noninterest Income$388,0003,790
Total noninterest expense$1,621,0006,737
Salaries and employee benefits$987,0006,465
Premises and equipment expense$283,0005,927
Additional noninterest expense$351,0007,299
Pre-tax net operating income$252,0006,732
Securities gains (losses)$02,146
Applicable income taxes$54,0004,887
Income before extraordinary items$198,0006,796
Extraordinary gains, net$039
Net income$198,0006,795
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0004,768
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$198,0006,779
2007-09-30 (YTD Data)Rank
Total interest income$1,541,0007,558
Total interest expense$534,0007,676
Net interest income$1,007,0007,379
Provision for loan and lease losses$40,0005,310
Total noninterest income$475,0004,533
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$131,0005,182
Trading account gains and fees$0184
Additional Noninterest Income$344,0003,493
Total noninterest expense$1,188,0006,777
Salaries and employee benefits$728,0006,500
Premises and equipment expense$217,0005,866
Additional noninterest expense$243,0007,414
Pre-tax net operating income$254,0006,752
Securities gains (losses)$01,655
Applicable income taxes$41,0005,075
Income before extraordinary items$213,0006,746
Extraordinary gains, net$033
Net income$213,0006,744
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0004,450
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$213,0006,734
2007-06-30 (YTD Data)Rank
Total interest income$975,0007,677
Total interest expense$347,0007,742
Net interest income$628,0007,539
Provision for loan and lease losses$22,0005,270
Total noninterest income$231,0005,273
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$86,0005,219
Trading account gains and fees$0168
Additional Noninterest Income$145,0004,376
Total noninterest expense$770,0006,891
Salaries and employee benefits$477,0006,603
Premises and equipment expense$137,0006,041
Additional noninterest expense$156,0007,510
Pre-tax net operating income$67,0007,430
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$67,0007,357
Extraordinary gains, net$029
Net income$67,0007,357
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0004,177
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$67,0007,348
2007-03-31 (YTD Data)Rank
Total interest income$466,0007,768
Total interest expense$172,0007,772
Net interest income$294,0007,666
Provision for loan and lease losses$13,0004,876
Total noninterest income$117,0005,185
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$40,0005,312
Trading account gains and fees$0195
Additional Noninterest Income$77,0004,286
Total noninterest expense$375,0006,982
Salaries and employee benefits$238,0006,652
Premises and equipment expense$68,0006,105
Additional noninterest expense$69,0007,709
Pre-tax net operating income$23,0007,624
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$23,0007,576
Extraordinary gains, net$022
Net income$23,0007,575
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0003,748
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$23,0007,557
2006-12-31 (YTD Data)Rank
Total interest income$1,672,0007,792
Total interest expense$415,0008,067
Net interest income$1,257,0007,506
Provision for loan and lease losses$32,0005,980
Total noninterest income$360,0005,818
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$205,0004,930
Trading account gains and fees$0130
Additional Noninterest Income$155,0005,562
Total noninterest expense$1,503,0006,893
Salaries and employee benefits$962,0006,504
Premises and equipment expense$257,0006,145
Additional noninterest expense$284,0007,666
Pre-tax net operating income$82,0007,760
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$82,0007,732
Extraordinary gains, net$051
Net income$82,0007,734
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$82,0007,724
2006-09-30 (YTD Data)Rank
Total interest income$1,198,0007,904
Total interest expense$282,0008,182
Net interest income$916,0007,623
Provision for loan and lease losses$6,0006,493
Total noninterest income$288,0005,717
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$158,0004,926
Trading account gains and fees$0126
Additional Noninterest Income$130,0005,386
Total noninterest expense$1,171,0006,790
Salaries and employee benefits$753,0006,393
Premises and equipment expense$203,0006,030
Additional noninterest expense$215,0007,672
Pre-tax net operating income$27,0008,028
Securities gains (losses)$01,388
Applicable income taxes$06,687
Income before extraordinary items$27,0008,045
Extraordinary gains, net$045
Net income$27,0008,046
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0007,298
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$27,0008,033
2006-06-30 (YTD Data)Rank
Total interest income$763,0007,992
Total interest expense$161,0008,311
Net interest income$602,0007,696
Provision for loan and lease losses$06,419
Total noninterest income$208,0005,543
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$101,0004,997
Trading account gains and fees$0126
Additional Noninterest Income$107,0004,988
Total noninterest expense$794,0006,793
Salaries and employee benefits$528,0006,290
Premises and equipment expense$128,0006,195
Additional noninterest expense$138,0007,742
Pre-tax net operating income$16,0008,108
Securities gains (losses)$01,185
Applicable income taxes$06,706
Income before extraordinary items$16,0008,112
Extraordinary gains, net$039
Net income$16,0008,113
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0007,074
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$16,0008,108
2006-03-31 (YTD Data)Rank
Total interest income$365,0008,047
Total interest expense$68,0008,411
Net interest income$297,0007,718
Provision for loan and lease losses$06,013
Total noninterest income$98,0005,636
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$40,0005,407
Trading account gains and fees$0115
Additional Noninterest Income$58,0004,825
Total noninterest expense$394,0006,811
Salaries and employee benefits$266,0006,271
Premises and equipment expense$65,0006,170
Additional noninterest expense$63,0007,866
Pre-tax net operating income$1,0008,180
Securities gains (losses)$0955
Applicable income taxes$06,588
Income before extraordinary items$1,0008,185
Extraordinary gains, net$021
Net income$1,0008,186
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,399
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,0008,176
2005-12-31 (YTD Data)Rank
Total interest income$1,377,0008,013
Total interest expense$253,0008,311
Net interest income$1,124,0007,777
Provision for loan and lease losses$07,120
Total noninterest income$381,0005,822
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$212,0004,914
Trading account gains and fees$0138
Additional Noninterest Income$169,0005,520
Total noninterest expense$1,565,0006,782
Salaries and employee benefits$976,0006,413
Premises and equipment expense$256,0006,148
Additional noninterest expense$333,0007,445
Pre-tax net operating income$-60,0008,309
Securities gains (losses)$02,296
Applicable income taxes$-22,0008,500
Income before extraordinary items$-38,0008,323
Extraordinary gains, net$046
Net income$-38,0008,323
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0005,376
Cash dividends$47,0005,812
Sale, conversion, retirement of capital stock, net$307,000590
Net operating income$-38,0008,298
2005-09-30 (YTD Data)Rank
Total interest income$1,010,0008,063
Total interest expense$188,0008,320
Net interest income$822,0007,862
Provision for loan and lease losses$06,899
Total noninterest income$242,0006,209
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$159,0004,955
Trading account gains and fees$0126
Additional Noninterest Income$83,0006,247
Total noninterest expense$1,154,0006,821
Salaries and employee benefits$722,0006,457
Premises and equipment expense$192,0006,137
Additional noninterest expense$240,0007,516
Pre-tax net operating income$-90,0008,421
Securities gains (losses)$02,317
Applicable income taxes$-22,0008,637
Income before extraordinary items$-68,0008,429
Extraordinary gains, net$035
Net income$-68,0008,430
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0005,184
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$225,000477
Net operating income$-68,0008,399
2005-06-30 (YTD Data)Rank
Total interest income$655,0008,108
Total interest expense$125,0008,305
Net interest income$530,0007,919
Provision for loan and lease losses$06,626
Total noninterest income$157,0006,249
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$97,0005,104
Trading account gains and fees$0116
Additional Noninterest Income$60,0006,128
Total noninterest expense$757,0006,882
Salaries and employee benefits$474,0006,500
Premises and equipment expense$125,0006,197
Additional noninterest expense$158,0007,527
Pre-tax net operating income$-70,0008,448
Securities gains (losses)$02,146
Applicable income taxes$-22,0008,661
Income before extraordinary items$-48,0008,465
Extraordinary gains, net$030
Net income$-48,0008,465
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0004,782
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$85,000447
Net operating income$-48,0008,432
2005-03-31 (YTD Data)Rank
Total interest income$313,0008,223
Total interest expense$58,0008,413
Net interest income$255,0008,039
Provision for loan and lease losses$06,226
Total noninterest income$74,0006,332
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$44,0005,270
Trading account gains and fees$0115
Additional Noninterest Income$30,0006,174
Total noninterest expense$378,0006,915
Salaries and employee benefits$241,0006,482
Premises and equipment expense$62,0006,259
Additional noninterest expense$75,0007,683
Pre-tax net operating income$-49,0008,576
Securities gains (losses)$01,685
Applicable income taxes$1,0006,740
Income before extraordinary items$-50,0008,597
Extraordinary gains, net$024
Net income$-50,0008,597
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,728
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$-50,0008,576
2004-12-31 (YTD Data)Rank
Total interest income$1,261,0008,148
Total interest expense$215,0008,412
Net interest income$1,046,0007,949
Provision for loan and lease losses$135,0004,427
Total noninterest income$417,0005,703
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$203,0005,185
Trading account gains and fees$0138
Additional Noninterest Income$214,0004,972
Total noninterest expense$1,479,0006,915
Salaries and employee benefits$905,0006,591
Premises and equipment expense$240,0006,303
Additional noninterest expense$334,0007,501
Pre-tax net operating income$-151,0008,510
Securities gains (losses)$03,819
Applicable income taxes$07,185
Income before extraordinary items$-151,0008,549
Extraordinary gains, net$034
Net income$-151,0008,550
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$65,0004,277
Cash dividends$60,0005,755
Sale, conversion, retirement of capital stock, net$90,000673
Net operating income$-151,0008,523
2004-09-30 (YTD Data)Rank
Total interest income$952,0008,174
Total interest expense$162,0008,450
Net interest income$790,0007,978
Provision for loan and lease losses$67,0004,990
Total noninterest income$284,0005,950
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$146,0005,322
Trading account gains and fees$0134
Additional Noninterest Income$138,0005,303
Total noninterest expense$1,077,0006,972
Salaries and employee benefits$665,0006,617
Premises and equipment expense$175,0006,352
Additional noninterest expense$237,0007,606
Pre-tax net operating income$-70,0008,576
Securities gains (losses)$03,710
Applicable income taxes$07,220
Income before extraordinary items$-70,0008,598
Extraordinary gains, net$026
Net income$-70,0008,601
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0005,003
Cash dividends$60,0004,908
Sale, conversion, retirement of capital stock, net$60,000570
Net operating income$-70,0008,571
2004-06-30 (YTD Data)Rank
Total interest income$635,0008,222
Total interest expense$106,0008,529
Net interest income$529,0008,016
Provision for loan and lease losses$06,885
Total noninterest income$164,0006,274
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$91,0005,462
Trading account gains and fees$0130
Additional Noninterest Income$73,0005,776
Total noninterest expense$697,0007,104
Salaries and employee benefits$426,0006,783
Premises and equipment expense$114,0006,459
Additional noninterest expense$157,0007,642
Pre-tax net operating income$-4,0008,538
Securities gains (losses)$03,413
Applicable income taxes$07,214
Income before extraordinary items$-4,0008,588
Extraordinary gains, net$021
Net income$-4,0008,589
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0005,680
Cash dividends$60,0004,565
Sale, conversion, retirement of capital stock, net$60,000455
Net operating income$-4,0008,538
2004-03-31 (YTD Data)Rank
Total interest income$323,0008,254
Total interest expense$53,0008,586
Net interest income$270,0008,025
Provision for loan and lease losses$06,501
Total noninterest income$87,0006,097
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$41,0005,626
Trading account gains and fees$0121
Additional Noninterest Income$46,0005,276
Total noninterest expense$338,0007,216
Salaries and employee benefits$212,0006,833
Premises and equipment expense$56,0006,504
Additional noninterest expense$70,0007,888
Pre-tax net operating income$19,0008,328
Securities gains (losses)$02,934
Applicable income taxes$07,103
Income before extraordinary items$19,0008,342
Extraordinary gains, net$016
Net income$19,0008,343
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0004,591
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$60,000296
Net operating income$19,0008,278
2003-12-31 (YTD Data)Rank
Total interest income$1,262,0008,333
Total interest expense$255,0008,590
Net interest income$1,007,0008,090
Provision for loan and lease losses$62,0005,950
Total noninterest income$493,0005,480
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$205,0005,217
Trading account gains and fees$0160
Additional Noninterest Income$288,0004,589
Total noninterest expense$1,298,0007,269
Salaries and employee benefits$816,0006,859
Premises and equipment expense$198,0006,802
Additional noninterest expense$284,0007,873
Pre-tax net operating income$140,0008,049
Securities gains (losses)$04,500
Applicable income taxes$46,0006,343
Income before extraordinary items$94,0008,249
Extraordinary gains, net$054
Net income$94,0008,254
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0005,285
Cash dividends$60,0005,832
Sale, conversion, retirement of capital stock, net$25,000783
Net operating income$94,0008,138
2003-09-30 (YTD Data)Rank
Total interest income$919,0008,459
Total interest expense$194,0008,693
Net interest income$725,0008,215
Provision for loan and lease losses$26,0006,575
Total noninterest income$415,0005,214
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$154,0005,246
Trading account gains and fees$0153
Additional Noninterest Income$261,0004,297
Total noninterest expense$955,0007,312
Salaries and employee benefits$611,0006,871
Premises and equipment expense$149,0006,801
Additional noninterest expense$195,0008,033
Pre-tax net operating income$159,0007,925
Securities gains (losses)$04,204
Applicable income taxes$34,0006,492
Income before extraordinary items$125,0008,066
Extraordinary gains, net$040
Net income$125,0008,070
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,0008,399
Cash dividends$45,0005,165
Sale, conversion, retirement of capital stock, net$0722
Net operating income$125,0007,929
2003-06-30 (YTD Data)Rank
Total interest income$589,0008,570
Total interest expense$128,0008,771
Net interest income$461,0008,337
Provision for loan and lease losses$11,0006,777
Total noninterest income$323,0004,791
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$96,0005,375
Trading account gains and fees$0150
Additional Noninterest Income$227,0003,795
Total noninterest expense$633,0007,350
Salaries and employee benefits$408,0006,883
Premises and equipment expense$96,0006,867
Additional noninterest expense$129,0008,057
Pre-tax net operating income$140,0007,680
Securities gains (losses)$03,782
Applicable income taxes$27,0006,403
Income before extraordinary items$113,0007,816
Extraordinary gains, net$030
Net income$113,0007,817
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,0008,344
Cash dividends$45,0004,813
Sale, conversion, retirement of capital stock, net$0589
Net operating income$113,0007,645
2003-03-31 (YTD Data)Rank
Total interest income$273,0008,706
Total interest expense$63,0008,855
Net interest income$210,0008,502
Provision for loan and lease losses$06,934
Total noninterest income$171,0004,553
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$44,0005,485
Trading account gains and fees$0134
Additional Noninterest Income$127,0003,502
Total noninterest expense$316,0007,387
Salaries and employee benefits$204,0006,922
Premises and equipment expense$49,0006,835
Additional noninterest expense$63,0008,130
Pre-tax net operating income$65,0007,750
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$65,0007,583
Extraordinary gains, net$021
Net income$65,0007,584
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,0008,300
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$65,0007,429
2002-12-31 (YTD Data)Rank
Total interest income$1,095,0008,770
Total interest expense$323,0008,847
Net interest income$772,0008,629
Provision for loan and lease losses$-4,0009,169
Total noninterest income$325,0006,281
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$158,0005,732
Trading account gains and fees$0153
Additional Noninterest Income$167,0005,371
Total noninterest expense$1,079,0007,759
Salaries and employee benefits$621,0007,627
Premises and equipment expense$178,0007,061
Additional noninterest expense$280,0007,947
Pre-tax net operating income$22,0008,566
Securities gains (losses)$-9,0008,892
Applicable income taxes$2,0007,560
Income before extraordinary items$11,0008,691
Extraordinary gains, net$070
Net income$11,0008,693
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-20,0008,966
Cash dividends$55,0005,919
Sale, conversion, retirement of capital stock, net$111,000632
Net operating income$18,6508,589
2001-12-31 (YTD Data)Rank
Total interest income$1,141,0009,040
Total interest expense$478,0009,051
Net interest income$663,0008,916
Provision for loan and lease losses$7,0008,027
Total noninterest income$576,0004,689
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$128,0006,115
Trading account gains and fees$0177
Additional Noninterest Income$448,0003,317
Total noninterest expense$922,0008,157
Salaries and employee benefits$553,0007,907
Premises and equipment expense$109,0008,166
Additional noninterest expense$260,0008,136
Pre-tax net operating income$310,0007,365
Securities gains (losses)$04,612
Applicable income taxes$86,0006,180
Income before extraordinary items$224,0007,571
Extraordinary gains, net$0105
Net income$224,0007,575
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0005,793
Cash dividends$40,0006,242
Sale, conversion, retirement of capital stock, net$103,000646
Net operating income$224,0007,451
2000-12-31 (YTD Data)Rank
Total interest income$985,0009,407
Total interest expense$383,0009,448
Net interest income$602,0009,294
Provision for loan and lease losses$-47,0009,755
Total noninterest income$195,0007,335
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$106,0006,453
Trading account gains and feesNANA
Additional Noninterest Income$89,0006,688
Total noninterest expense$754,0008,686
Salaries and employee benefits$425,0008,625
Premises and equipment expense$99,0008,459
Additional noninterest expense$230,0008,507
Pre-tax net operating income$90,0008,834
Securities gains (losses)$01,956
Applicable income taxes$9,0008,091
Income before extraordinary items$81,0008,817
Extraordinary gains, net$038
Net income$81,0008,817
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-44,0009,591
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$151,000664
Net operating income$81,0008,805
1999-12-31 (YTD Data)Rank
Total interest income$865,0009,727
Total interest expense$325,0009,767
Net interest income$540,0009,619
Provision for loan and lease losses$22,0007,597
Total noninterest income$195,0007,554
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$82,0007,091
Trading account gains and feesNANA
Additional Noninterest Income$113,0006,337
Total noninterest expense$703,0009,024
Salaries and employee benefits$410,0008,834
Premises and equipment expense$70,0009,216
Additional noninterest expense$223,0008,810
Pre-tax net operating income$10,0009,369
Securities gains (losses)$03,155
Applicable income taxes$-19,0009,713
Income before extraordinary items$29,0009,334
Extraordinary gains, net$035
Net income$29,0009,328
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0008,900
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$35,000884
Net operating income$29,0009,302
1998-12-31 (YTD Data)Rank
Total interest income$875,0009,971
Total interest expense$380,0009,927
Net interest income$495,0009,930
Provision for loan and lease losses$17,0007,887
Total noninterest income$209,0007,476
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$80,0007,296
Trading account gains and feesNANA
Additional Noninterest Income$129,0006,022
Total noninterest expense$738,0008,982
Salaries and employee benefits$387,0009,047
Premises and equipment expense$67,0009,419
Additional noninterest expense$284,0008,270
Pre-tax net operating income$-51,0009,868
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$-51,0009,905
Extraordinary gains, net$032
Net income$-51,0009,904
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$110,0003,472
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-51,0009,865
1997-12-31 (YTD Data)Rank
Total interest income$944,00010,358
Total interest expense$380,00010,368
Net interest income$564,00010,257
Provision for loan and lease losses$110,0004,963
Total noninterest income$149,0008,603
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$91,0007,399
Trading account gains and feesNANA
Additional Noninterest Income$58,0008,093
Total noninterest expense$680,0009,457
Salaries and employee benefits$415,0009,161
Premises and equipment expense$59,0009,970
Additional noninterest expense$206,0009,333
Pre-tax net operating income$-77,00010,468
Securities gains (losses)$03,944
Applicable income taxes$010,065
Income before extraordinary items$-77,00010,497
Extraordinary gains, net$044
Net income$-77,00010,499
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$70,0004,510
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$-77,00010,463
1996-12-31 (YTD Data)Rank
Total interest income$969,00010,867
Total interest expense$390,00010,898
Net interest income$579,00010,711
Provision for loan and lease losses$12,0008,364
Total noninterest income$195,0008,302
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$101,0007,470
Trading account gains and feesNANA
Additional Noninterest Income$94,0007,318
Total noninterest expense$606,00010,149
Salaries and employee benefits$357,0009,911
Premises and equipment expense$55,00010,490
Additional noninterest expense$194,00010,005
Pre-tax net operating income$156,00010,045
Securities gains (losses)$04,148
Applicable income taxes$53,0009,640
Income before extraordinary items$103,00010,191
Extraordinary gains, net$053
Net income$103,00010,190
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0009,914
Cash dividends$40,0007,695
Sale, conversion, retirement of capital stock, net$0953
Net operating income$103,00010,140
1995-12-31 (YTD Data)Rank
Total interest income$910,00011,413
Total interest expense$364,00011,435
Net interest income$546,00011,284
Provision for loan and lease losses$51,0006,147
Total noninterest income$166,0009,032
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$77,0008,390
Trading account gains and feesNANA
Additional Noninterest Income$89,0007,598
Total noninterest expense$556,00010,777
Salaries and employee benefits$327,00010,523
Premises and equipment expense$48,00011,142
Additional noninterest expense$181,00010,668
Pre-tax net operating income$105,00011,057
Securities gains (losses)$03,831
Applicable income taxes$23,00010,706
Income before extraordinary items$82,00011,086
Extraordinary gains, net$065
Net income$82,00011,085
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,876
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$82,00011,069
1994-12-31 (YTD Data)Rank
Total interest income$795,00012,073
Total interest expense$230,00012,259
Net interest income$565,00011,819
Provision for loan and lease losses$88,0004,864
Total noninterest income$116,00010,385
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$65,0009,178
Trading account gains and feesNANA
Additional Noninterest Income$51,0009,565
Total noninterest expense$536,00011,426
Salaries and employee benefits$275,00011,429
Premises and equipment expense$67,00011,063
Additional noninterest expense$194,00011,223
Pre-tax net operating income$57,00011,878
Securities gains (losses)$03,600
Applicable income taxes$13,00011,303
Income before extraordinary items$44,00011,848
Extraordinary gains, net$0249
Net income$44,00011,851
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0006,150
Cash dividends$72,0007,492
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$44,00011,885
1993-12-31 (YTD Data)Rank
Total interest income$674,00012,849
Total interest expense$205,00012,979
Net interest income$469,00012,639
Provision for loan and lease losses$2,00010,273
Total noninterest income$150,00010,210
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$64,0009,544
Trading account gains and feesNANA
Additional Noninterest Income$86,0008,379
Total noninterest expense$466,00012,325
Salaries and employee benefits$256,00012,120
Premises and equipment expense$45,00012,369
Additional noninterest expense$165,00012,216
Pre-tax net operating income$151,00011,463
Securities gains (losses)$2,0006,773
Applicable income taxes$44,00011,072
Income before extraordinary items$109,00011,708
Extraordinary gains, net$03,149
Net income$109,00011,755
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0008,132
Cash dividends$32,0008,385
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$107,58011,531
1992-12-31 (YTD Data)Rank
Total interest income$67,00013,907
Total interest expense$16,00013,883
Net interest income$51,00013,882
Provision for loan and lease losses$011,756
Total noninterest income$22,00013,657
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$6,00011,671
Trading account gains and feesNANA
Additional Noninterest Income$16,00012,899
Total noninterest expense$35,00013,919
Salaries and employee benefits$21,00013,911
Premises and equipment expense$2,00013,903
Additional noninterest expense$12,00013,914
Pre-tax net operating income$38,00012,487
Securities gains (losses)$08,369
Applicable income taxes$6,00012,482
Income before extraordinary items$32,00012,698
Extraordinary gains, net$01,422
Net income$32,00012,693
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,00011,020
Cash dividends$177,0005,393
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$32,00012,451

* 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.