Sun Bank, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,577,000 | 4,117 |
| Total interest expense | $445,000 | 4,006 |
| Net interest income | $1,132,000 | 4,089 |
| Provision for loan and lease losses | $430,000 | 596 |
| Total noninterest income | $169,000 | 4,476 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $124,000 | 3,080 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $45,000 | 5,324 |
| Total noninterest expense | $839,000 | 4,336 |
| Salaries and employee benefits | $419,000 | 4,579 |
| Premises and equipment expense | $119,000 | 4,271 |
| Additional noninterest expense | $301,000 | 3,739 |
| Pre-tax net operating income | $32,000 | 8,152 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $32,000 | 8,110 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $32,000 | 8,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $70,000 | 3,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $32,000 | 8,046 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,266,000 | 4,187 |
| Total interest expense | $1,901,000 | 4,178 |
| Net interest income | $4,365,000 | 4,092 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $816,000 | 4,191 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $523,000 | 2,983 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $293,000 | 4,561 |
| Total noninterest expense | $4,453,000 | 3,379 |
| Salaries and employee benefits | $2,730,000 | 3,020 |
| Premises and equipment expense | $491,000 | 4,125 |
| Additional noninterest expense | $1,232,000 | 3,654 |
| Pre-tax net operating income | $608,000 | 6,311 |
| Securities gains (losses) | $389,000 | 897 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $997,000 | 4,660 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $997,000 | 4,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,499 |
| Cash dividends | $1,486,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $608,000 | 5,745 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,669,000 | 4,251 |
| Total interest expense | $1,465,000 | 4,217 |
| Net interest income | $3,204,000 | 4,188 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $531,000 | 4,572 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $393,000 | 2,992 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $138,000 | 5,505 |
| Total noninterest expense | $2,924,000 | 3,767 |
| Salaries and employee benefits | $1,632,000 | 3,645 |
| Premises and equipment expense | $366,000 | 4,134 |
| Additional noninterest expense | $926,000 | 3,627 |
| Pre-tax net operating income | $721,000 | 5,432 |
| Securities gains (losses) | $389,000 | 808 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,110,000 | 3,711 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,110,000 | 3,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 2,824 |
| Cash dividends | $1,486,000 | 1,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $721,000 | 4,718 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,141,000 | 4,260 |
| Total interest expense | $1,003,000 | 4,247 |
| Net interest income | $2,138,000 | 4,189 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $351,000 | 4,581 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $258,000 | 2,987 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $93,000 | 5,446 |
| Total noninterest expense | $1,981,000 | 3,720 |
| Salaries and employee benefits | $1,097,000 | 3,614 |
| Premises and equipment expense | $242,000 | 4,150 |
| Additional noninterest expense | $642,000 | 3,495 |
| Pre-tax net operating income | $448,000 | 5,589 |
| Securities gains (losses) | $389,000 | 680 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $837,000 | 3,388 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $837,000 | 3,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 1,935 |
| Cash dividends | $1,371,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $448,000 | 4,901 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,551,000 | 4,321 |
| Total interest expense | $511,000 | 4,274 |
| Net interest income | $1,040,000 | 4,278 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $178,000 | 4,442 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $125,000 | 2,989 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $53,000 | 5,163 |
| Total noninterest expense | $942,000 | 3,843 |
| Salaries and employee benefits | $522,000 | 3,774 |
| Premises and equipment expense | $120,000 | 4,153 |
| Additional noninterest expense | $300,000 | 3,660 |
| Pre-tax net operating income | $246,000 | 5,322 |
| Securities gains (losses) | $258,000 | 563 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $504,000 | 2,929 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $504,000 | 2,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 1,083 |
| Cash dividends | $930,000 | 741 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $246,000 | 4,561 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,617,000 | 4,240 |
| Total interest expense | $2,015,000 | 4,771 |
| Net interest income | $4,602,000 | 3,917 |
| Provision for loan and lease losses | $60,000 | 6,444 |
| Total noninterest income | $775,000 | 4,075 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $568,000 | 2,674 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $207,000 | 4,943 |
| Total noninterest expense | $3,837,000 | 3,675 |
| Salaries and employee benefits | $2,086,000 | 3,610 |
| Premises and equipment expense | $497,000 | 3,945 |
| Additional noninterest expense | $1,254,000 | 3,486 |
| Pre-tax net operating income | $1,480,000 | 4,156 |
| Securities gains (losses) | $-19,000 | 8,987 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,461,000 | 3,568 |
| Extraordinary gains, net | $19,000 | 55 |
| Net income | $1,480,000 | 3,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,779 |
| Cash dividends | $890,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,480,000 | 3,429 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,161,000 | 4,352 |
| Total interest expense | $2,811,000 | 4,973 |
| Net interest income | $4,350,000 | 3,867 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $762,000 | 3,992 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $537,000 | 2,668 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $225,000 | 4,695 |
| Total noninterest expense | $3,797,000 | 3,586 |
| Salaries and employee benefits | $1,993,000 | 3,602 |
| Premises and equipment expense | $570,000 | 3,520 |
| Additional noninterest expense | $1,234,000 | 3,413 |
| Pre-tax net operating income | $1,135,000 | 4,570 |
| Securities gains (losses) | $150,000 | 1,408 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,285,000 | 3,613 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,285,000 | 3,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 2,546 |
| Cash dividends | $827,000 | 2,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,135,000 | 3,819 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,748,000 | 4,241 |
| Total interest expense | $3,397,000 | 4,482 |
| Net interest income | $4,351,000 | 3,909 |
| Provision for loan and lease losses | $160,000 | 4,252 |
| Total noninterest income | $746,000 | 3,830 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $516,000 | 2,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 4,468 |
| Total noninterest expense | $3,625,000 | 3,589 |
| Salaries and employee benefits | $1,974,000 | 3,500 |
| Premises and equipment expense | $559,000 | 3,466 |
| Additional noninterest expense | $1,092,000 | 3,711 |
| Pre-tax net operating income | $1,312,000 | 4,476 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $-8,000 | 9,314 |
| Income before extraordinary items | $1,319,000 | 3,599 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,319,000 | 3,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-94,000 | 9,737 |
| Cash dividends | $817,000 | 2,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,320,000 | 3,579 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,918,000 | 4,449 |
| Total interest expense | $2,871,000 | 4,751 |
| Net interest income | $4,047,000 | 4,132 |
| Provision for loan and lease losses | $109,000 | 5,060 |
| Total noninterest income | $686,000 | 4,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $535,000 | 2,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 5,590 |
| Total noninterest expense | $3,421,000 | 3,772 |
| Salaries and employee benefits | $1,897,000 | 3,598 |
| Premises and equipment expense | $532,000 | 3,581 |
| Additional noninterest expense | $992,000 | 4,045 |
| Pre-tax net operating income | $1,203,000 | 4,757 |
| Securities gains (losses) | $-27,000 | 9,628 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,176,000 | 3,937 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,176,000 | 3,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,803 |
| Cash dividends | $873,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,203,000 | 3,837 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,256,000 | 4,270 |
| Total interest expense | $3,355,000 | 4,306 |
| Net interest income | $3,901,000 | 4,205 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $577,000 | 4,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $454,000 | 2,790 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,149 |
| Total noninterest expense | $3,128,000 | 3,972 |
| Salaries and employee benefits | $1,705,000 | 3,826 |
| Premises and equipment expense | $575,000 | 3,293 |
| Additional noninterest expense | $848,000 | 4,481 |
| Pre-tax net operating income | $1,290,000 | 4,649 |
| Securities gains (losses) | $61,000 | 1,591 |
| Applicable income taxes | $51,000 | 8,309 |
| Income before extraordinary items | $1,300,000 | 3,695 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,300,000 | 3,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 9,741 |
| Cash dividends | $884,000 | 2,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,241,440 | 3,736 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,152,000 | 4,419 |
| Total interest expense | $3,224,000 | 4,426 |
| Net interest income | $3,928,000 | 4,299 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $683,000 | 4,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $450,000 | 2,892 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $233,000 | 4,566 |
| Total noninterest expense | $3,064,000 | 4,026 |
| Salaries and employee benefits | $1,684,000 | 3,865 |
| Premises and equipment expense | $497,000 | 3,722 |
| Additional noninterest expense | $883,000 | 4,386 |
| Pre-tax net operating income | $1,487,000 | 4,525 |
| Securities gains (losses) | $-9,000 | 9,978 |
| Applicable income taxes | $437,000 | 4,621 |
| Income before extraordinary items | $1,042,000 | 4,551 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,042,000 | 4,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,716 |
| Cash dividends | $490,000 | 3,556 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,048,300 | 4,471 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,628,000 | 5,426 |
| Total interest expense | $2,545,000 | 5,437 |
| Net interest income | $3,083,000 | 5,331 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $472,000 | 5,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 6,966 |
| Total noninterest expense | $2,641,000 | 4,802 |
| Salaries and employee benefits | $1,396,000 | 4,596 |
| Premises and equipment expense | $438,000 | 4,216 |
| Additional noninterest expense | $807,000 | 5,166 |
| Pre-tax net operating income | $734,000 | 6,772 |
| Securities gains (losses) | $33,000 | 1,622 |
| Applicable income taxes | $237,000 | 6,613 |
| Income before extraordinary items | $530,000 | 6,697 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $530,000 | 6,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,102 |
| Cash dividends | $250,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $507,230 | 6,791 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,306,000 | 6,681 |
| Total interest expense | $1,776,000 | 6,958 |
| Net interest income | $2,530,000 | 6,261 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $503,000 | 5,158 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $354,000 | 3,735 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 6,005 |
| Total noninterest expense | $2,156,000 | 5,656 |
| Salaries and employee benefits | $1,177,000 | 5,296 |
| Premises and equipment expense | $367,000 | 4,861 |
| Additional noninterest expense | $612,000 | 6,467 |
| Pre-tax net operating income | $877,000 | 6,526 |
| Securities gains (losses) | $103,000 | 949 |
| Applicable income taxes | $243,000 | 6,744 |
| Income before extraordinary items | $737,000 | 5,778 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $737,000 | 5,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,371 |
| Cash dividends | $268,000 | 4,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $659,750 | 6,228 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,644,000 | 7,137 |
| Total interest expense | $1,266,000 | 7,663 |
| Net interest income | $2,378,000 | 6,702 |
| Provision for loan and lease losses | $-250,000 | 12,365 |
| Total noninterest income | $492,000 | 5,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,278 |
| Total noninterest expense | $2,253,000 | 5,626 |
| Salaries and employee benefits | $1,165,000 | 5,391 |
| Premises and equipment expense | $288,000 | 5,894 |
| Additional noninterest expense | $800,000 | 5,706 |
| Pre-tax net operating income | $867,000 | 6,554 |
| Securities gains (losses) | $-99,000 | 11,519 |
| Applicable income taxes | $206,000 | 7,245 |
| Income before extraordinary items | $562,000 | 6,819 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $562,000 | 6,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-72,000 | 12,079 |
| Cash dividends | $330,000 | 4,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $634,270 | 6,384 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,407,000 | 7,664 |
| Total interest expense | $1,188,000 | 8,301 |
| Net interest income | $2,219,000 | 7,131 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $419,000 | 6,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,865 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 9,182 |
| Total noninterest expense | $2,005,000 | 6,326 |
| Salaries and employee benefits | $1,166,000 | 5,367 |
| Premises and equipment expense | $247,000 | 6,746 |
| Additional noninterest expense | $592,000 | 7,410 |
| Pre-tax net operating income | $633,000 | 7,732 |
| Securities gains (losses) | $210,000 | 1,634 |
| Applicable income taxes | $266,000 | 6,548 |
| Income before extraordinary items | $577,000 | 6,961 |
| Extraordinary gains, net | $91,000 | 1,655 |
| Net income | $668,000 | 6,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 12,742 |
| Cash dividends | $932,000 | 1,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $434,200 | 7,837 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,557,000 | 8,097 |
| Total interest expense | $1,447,000 | 8,675 |
| Net interest income | $2,110,000 | 7,469 |
| Provision for loan and lease losses | $135,000 | 6,388 |
| Total noninterest income | $410,000 | 6,465 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,979 |
| Total noninterest expense | $1,872,000 | 6,732 |
| Salaries and employee benefits | $952,000 | 6,309 |
| Premises and equipment expense | $237,000 | 7,033 |
| Additional noninterest expense | $683,000 | 6,863 |
| Pre-tax net operating income | $513,000 | 8,315 |
| Securities gains (losses) | $162,000 | 2,313 |
| Applicable income taxes | $195,000 | 7,659 |
| Income before extraordinary items | $480,000 | 7,502 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $480,000 | 7,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 6,392 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $364,980 | 8,204 |
* 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.