The National Bank of South Carolina, Income and Expense

2010-03-31 (YTD Data)Rank
Total interest income$44,006,000202
Total interest expense$12,703,000182
Net interest income$31,303,000206
Provision for loan and lease losses$98,690,00051
Total noninterest income$2,963,000532
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$2,511,000175
Trading account gains and fees$6,000153
Additional Noninterest Income$446,0001,408
Total noninterest expense$20,560,000260
Salaries and employee benefits$7,012,000350
Premises and equipment expense$2,726,000254
Additional noninterest expense$10,822,000220
Pre-tax net operating income$-84,984,0007,924
Securities gains (losses)$02,284
Applicable income taxes$17,325,00060
Income before extraordinary items$-102,309,0007,922
Extraordinary gains, net$016
Net income$-102,309,0007,922
Minority interest net income$091
Net income of bank and minority interests.$-102,309,0007,922
Net charge-offs$78,935,00058
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$120,000289
Net operating income$-102,309,0007,922
2009-12-31 (YTD Data)Rank
Total interest income$201,743,000188
Total interest expense$67,126,000180
Net interest income$134,617,000181
Provision for loan and lease losses$347,273,00064
Total noninterest income$4,960,0001,108
Gross Fiduciary activities income$4,0001,267
Service charges on deposit accounts$10,512,000179
Trading account gains and fees$75,000154
Additional Noninterest Income$-5,631,0007,992
Total noninterest expense$89,661,000263
Salaries and employee benefits$29,682,000329
Premises and equipment expense$10,373,000267
Additional noninterest expense$49,606,000223
Pre-tax net operating income$-297,357,0007,985
Securities gains (losses)$2,422,000230
Applicable income taxes$-61,148,0007,976
Income before extraordinary items$-233,787,0007,971
Extraordinary gains, net$034
Net income$-233,787,0007,970
Minority interest net income$0115
Net income of bank and minority interests.$-233,787,0007,970
Net charge-offs$276,186,00062
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$335,000612
Net operating income$-235,700,3807,974
2009-09-30 (YTD Data)Rank
Total interest income$154,394,000193
Total interest expense$52,989,000187
Net interest income$101,405,000188
Provision for loan and lease losses$286,526,00065
Total noninterest income$5,181,000850
Gross Fiduciary activities income$3,0001,227
Service charges on deposit accounts$7,887,000180
Trading account gains and fees$69,000157
Additional Noninterest Income$-2,778,0008,070
Total noninterest expense$65,371,000267
Salaries and employee benefits$22,366,000333
Premises and equipment expense$7,912,000269
Additional noninterest expense$35,093,000230
Pre-tax net operating income$-245,311,0008,072
Securities gains (losses)$2,420,000187
Applicable income taxes$-34,909,0008,053
Income before extraordinary items$-207,982,0008,063
Extraordinary gains, net$027
Net income$-207,982,0008,062
Minority interest net income$0118
Net income of bank and minority interests.$-207,982,0008,062
Net charge-offs$242,243,00062
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$253,000537
Net operating income$-210,063,2008,065
2009-06-30 (YTD Data)Rank
Total interest income$106,139,000195
Total interest expense$37,073,000190
Net interest income$69,066,000190
Provision for loan and lease losses$171,485,00069
Total noninterest income$7,700,000477
Gross Fiduciary activities income$2,0001,233
Service charges on deposit accounts$5,107,000186
Trading account gains and fees$62,000142
Additional Noninterest Income$2,529,000731
Total noninterest expense$41,658,000284
Salaries and employee benefits$14,921,000342
Premises and equipment expense$5,208,000279
Additional noninterest expense$21,529,000253
Pre-tax net operating income$-136,377,0008,156
Securities gains (losses)$03,136
Applicable income taxes$-48,866,0008,165
Income before extraordinary items$-87,511,0008,135
Extraordinary gains, net$021
Net income$-87,511,0008,134
Minority interest net income$0112
Net income of bank and minority interests.$-87,511,0008,134
Net charge-offs$126,482,00066
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$337,000398
Net operating income$-87,511,0008,138
2009-03-31 (YTD Data)Rank
Total interest income$54,434,000195
Total interest expense$19,619,000189
Net interest income$34,815,000190
Provision for loan and lease losses$49,695,000105
Total noninterest income$5,641,000340
Gross Fiduciary activities income$2,0001,166
Service charges on deposit accounts$2,493,000183
Trading account gains and fees$8,000141
Additional Noninterest Income$3,138,000355
Total noninterest expense$20,590,000269
Salaries and employee benefits$7,096,000355
Premises and equipment expense$2,650,000280
Additional noninterest expense$10,844,000223
Pre-tax net operating income$-29,829,0008,165
Securities gains (losses)$02,434
Applicable income taxes$-11,629,0008,187
Income before extraordinary items$-18,200,0008,152
Extraordinary gains, net$015
Net income$-18,200,0008,152
Minority interest net income$0102
Net income of bank and minority interests.$-18,200,0008,152
Net charge-offs$35,650,00090
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$166,000293
Net operating income$-18,200,0008,149
2008-12-31 (YTD Data)Rank
Total interest income$266,033,000180
Total interest expense$106,858,000176
Net interest income$159,175,000172
Provision for loan and lease losses$88,707,000126
Total noninterest income$23,661,000314
Gross Fiduciary activities income$5,0001,290
Service charges on deposit accounts$10,180,000192
Trading account gains and fees$601,00079
Additional Noninterest Income$12,875,000321
Total noninterest expense$66,373,000330
Salaries and employee benefits$29,330,000332
Premises and equipment expense$10,654,000270
Additional noninterest expense$26,389,000325
Pre-tax net operating income$27,756,000214
Securities gains (losses)$03,220
Applicable income taxes$6,970,000246
Income before extraordinary items$20,786,000189
Extraordinary gains, net$039
Net income$20,786,000189
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,595,000139
Cash dividends$27,628,000137
Sale, conversion, retirement of capital stock, net$1,087,000416
Net operating income$20,786,000208
2008-09-30 (YTD Data)Rank
Total interest income$203,821,000186
Total interest expense$81,850,000187
Net interest income$121,971,000173
Provision for loan and lease losses$55,774,000126
Total noninterest income$18,902,000321
Gross Fiduciary activities income$5,0001,239
Service charges on deposit accounts$7,617,000199
Trading account gains and fees$382,00080
Additional Noninterest Income$10,898,000317
Total noninterest expense$48,153,000327
Salaries and employee benefits$21,819,000350
Premises and equipment expense$8,023,000276
Additional noninterest expense$18,311,000322
Pre-tax net operating income$36,946,000180
Securities gains (losses)$03,106
Applicable income taxes$11,013,000171
Income before extraordinary items$25,933,000165
Extraordinary gains, net$031
Net income$25,933,000164
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$38,306,000121
Cash dividends$23,627,000134
Sale, conversion, retirement of capital stock, net$851,000322
Net operating income$25,933,000177
2008-06-30 (YTD Data)Rank
Total interest income$138,953,000187
Total interest expense$55,850,000191
Net interest income$83,103,000172
Provision for loan and lease losses$35,206,000120
Total noninterest income$15,191,000283
Gross Fiduciary activities income$3,0001,253
Service charges on deposit accounts$5,132,000192
Trading account gains and fees$343,00081
Additional Noninterest Income$9,713,000272
Total noninterest expense$31,437,000337
Salaries and employee benefits$14,209,000364
Premises and equipment expense$5,320,000275
Additional noninterest expense$11,908,000322
Pre-tax net operating income$31,651,000150
Securities gains (losses)$03,233
Applicable income taxes$9,897,000155
Income before extraordinary items$21,754,000160
Extraordinary gains, net$021
Net income$21,754,000160
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,080,000123
Cash dividends$23,627,000110
Sale, conversion, retirement of capital stock, net$679,000237
Net operating income$21,754,000156
2008-03-31 (YTD Data)Rank
Total interest income$73,458,000184
Total interest expense$31,270,000189
Net interest income$42,188,000173
Provision for loan and lease losses$16,642,000119
Total noninterest income$8,074,000279
Gross Fiduciary activities income$1,0001,254
Service charges on deposit accounts$2,660,000183
Trading account gains and fees$153,00092
Additional Noninterest Income$5,260,000266
Total noninterest expense$15,663,000331
Salaries and employee benefits$7,066,000362
Premises and equipment expense$2,657,000279
Additional noninterest expense$5,940,000309
Pre-tax net operating income$17,957,000152
Securities gains (losses)$02,688
Applicable income taxes$5,711,000154
Income before extraordinary items$12,246,000163
Extraordinary gains, net$015
Net income$12,246,000163
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,725,000141
Cash dividends$10,000,000109
Sale, conversion, retirement of capital stock, net$355,000157
Net operating income$12,246,000159
2007-12-31 (YTD Data)Rank
Total interest income$319,683,000174
Total interest expense$153,257,000181
Net interest income$166,426,000167
Provision for loan and lease losses$12,165,000214
Total noninterest income$22,997,000339
Gross Fiduciary activities income$6,0001,314
Service charges on deposit accounts$9,739,000200
Trading account gains and fees$157,000104
Additional Noninterest Income$13,095,000349
Total noninterest expense$59,507,000339
Salaries and employee benefits$28,435,000357
Premises and equipment expense$10,754,000251
Additional noninterest expense$20,318,000342
Pre-tax net operating income$117,751,000114
Securities gains (losses)$16,0001,168
Applicable income taxes$39,237,000116
Income before extraordinary items$78,530,000119
Extraordinary gains, net$039
Net income$78,530,000118
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,561,000215
Cash dividends$20,000,000247
Sale, conversion, retirement of capital stock, net$1,874,000368
Net operating income$78,519,280119
2007-09-30 (YTD Data)Rank
Total interest income$239,255,000173
Total interest expense$115,412,000178
Net interest income$123,843,000167
Provision for loan and lease losses$7,159,000195
Total noninterest income$15,938,000363
Gross Fiduciary activities income$3,0001,319
Service charges on deposit accounts$7,063,000203
Trading account gains and fees$109,000119
Additional Noninterest Income$8,763,000378
Total noninterest expense$44,187,000338
Salaries and employee benefits$21,440,000354
Premises and equipment expense$8,028,000249
Additional noninterest expense$14,719,000333
Pre-tax net operating income$88,435,000133
Securities gains (losses)$16,000875
Applicable income taxes$30,468,000131
Income before extraordinary items$57,983,000138
Extraordinary gains, net$033
Net income$57,983,000136
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,933,000246
Cash dividends$10,000,000327
Sale, conversion, retirement of capital stock, net$1,523,000288
Net operating income$57,972,440135
2007-06-30 (YTD Data)Rank
Total interest income$156,949,000187
Total interest expense$75,525,000193
Net interest income$81,424,000183
Provision for loan and lease losses$4,044,000201
Total noninterest income$10,164,000392
Gross Fiduciary activities income$1,0001,345
Service charges on deposit accounts$4,572,000211
Trading account gains and fees$86,000112
Additional Noninterest Income$5,505,000411
Total noninterest expense$29,654,000341
Salaries and employee benefits$14,089,000370
Premises and equipment expense$5,347,000258
Additional noninterest expense$10,218,000332
Pre-tax net operating income$57,890,000150
Securities gains (losses)$16,000755
Applicable income taxes$20,091,000143
Income before extraordinary items$37,815,000153
Extraordinary gains, net$029
Net income$37,815,000154
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,636,000222
Cash dividends$10,000,000252
Sale, conversion, retirement of capital stock, net$1,201,000236
Net operating income$37,804,600151
2007-03-31 (YTD Data)Rank
Total interest income$76,538,000189
Total interest expense$36,938,000192
Net interest income$39,600,000186
Provision for loan and lease losses$2,710,000144
Total noninterest income$5,102,000384
Gross Fiduciary activities income$1,0001,263
Service charges on deposit accounts$2,199,000207
Trading account gains and fees$68,000125
Additional Noninterest Income$2,834,000393
Total noninterest expense$15,163,000338
Salaries and employee benefits$7,086,000374
Premises and equipment expense$2,714,000259
Additional noninterest expense$5,363,000317
Pre-tax net operating income$26,829,000149
Securities gains (losses)$01,187
Applicable income taxes$9,255,000149
Income before extraordinary items$17,574,000153
Extraordinary gains, net$022
Net income$17,574,000153
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,741,000170
Cash dividends$10,000,000140
Sale, conversion, retirement of capital stock, net$421,000184
Net operating income$17,574,000151
2006-12-31 (YTD Data)Rank
Total interest income$277,191,000183
Total interest expense$120,456,000193
Net interest income$156,735,000184
Provision for loan and lease losses$6,880,000188
Total noninterest income$21,034,000361
Gross Fiduciary activities income$7,0001,322
Service charges on deposit accounts$9,830,000188
Trading account gains and fees$216,00089
Additional Noninterest Income$10,981,000390
Total noninterest expense$51,129,000378
Salaries and employee benefits$25,178,000393
Premises and equipment expense$8,576,000310
Additional noninterest expense$17,375,000363
Pre-tax net operating income$119,760,000144
Securities gains (losses)$-460,0008,505
Applicable income taxes$40,096,000142
Income before extraordinary items$79,204,000146
Extraordinary gains, net$051
Net income$79,204,000147
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,751,000238
Cash dividends$20,000,000238
Sale, conversion, retirement of capital stock, net$1,616,000443
Net operating income$79,507,600144
2006-09-30 (YTD Data)Rank
Total interest income$202,081,000196
Total interest expense$85,582,000208
Net interest income$116,499,000195
Provision for loan and lease losses$6,880,000150
Total noninterest income$17,364,000352
Gross Fiduciary activities income$6,0001,272
Service charges on deposit accounts$7,429,000190
Trading account gains and fees$169,00090
Additional Noninterest Income$9,760,000367
Total noninterest expense$38,146,000384
Salaries and employee benefits$18,600,000407
Premises and equipment expense$6,310,000322
Additional noninterest expense$13,236,000370
Pre-tax net operating income$88,837,000159
Securities gains (losses)$-460,0008,617
Applicable income taxes$30,964,000156
Income before extraordinary items$57,413,000166
Extraordinary gains, net$045
Net income$57,413,000166
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,869,000215
Cash dividends$20,000,000184
Sale, conversion, retirement of capital stock, net$1,088,000367
Net operating income$57,712,000161
2006-06-30 (YTD Data)Rank
Total interest income$129,530,000201
Total interest expense$52,975,000212
Net interest income$76,555,000202
Provision for loan and lease losses$5,110,000134
Total noninterest income$10,862,000374
Gross Fiduciary activities income$7,0001,216
Service charges on deposit accounts$4,851,000194
Trading account gains and fees$120,00087
Additional Noninterest Income$5,884,000387
Total noninterest expense$24,883,000396
Salaries and employee benefits$11,962,000427
Premises and equipment expense$4,137,000331
Additional noninterest expense$8,784,000378
Pre-tax net operating income$57,424,000160
Securities gains (losses)$01,185
Applicable income taxes$20,036,000160
Income before extraordinary items$37,388,000169
Extraordinary gains, net$039
Net income$37,388,000169
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,928,000217
Cash dividends$20,000,000143
Sale, conversion, retirement of capital stock, net$699,000296
Net operating income$37,388,000166
2006-03-31 (YTD Data)Rank
Total interest income$62,512,000204
Total interest expense$25,035,000210
Net interest income$37,477,000199
Provision for loan and lease losses$2,580,000135
Total noninterest income$5,520,000362
Gross Fiduciary activities income$1,0001,305
Service charges on deposit accounts$2,613,000174
Trading account gains and fees$0115
Additional Noninterest Income$2,906,000394
Total noninterest expense$12,274,000406
Salaries and employee benefits$5,728,000438
Premises and equipment expense$2,033,000336
Additional noninterest expense$4,513,000359
Pre-tax net operating income$28,143,000162
Securities gains (losses)$0955
Applicable income taxes$9,937,000159
Income before extraordinary items$18,206,000168
Extraordinary gains, net$021
Net income$18,206,000169
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,195,000190
Cash dividends$10,000,000128
Sale, conversion, retirement of capital stock, net$340,000214
Net operating income$18,206,000167
2005-12-31 (YTD Data)Rank
Total interest income$208,157,000211
Total interest expense$67,968,000223
Net interest income$140,189,000204
Provision for loan and lease losses$8,650,000157
Total noninterest income$24,152,000347
Gross Fiduciary activities income$17,0001,214
Service charges on deposit accounts$11,187,000170
Trading account gains and fees$0138
Additional Noninterest Income$12,948,000375
Total noninterest expense$50,153,000384
Salaries and employee benefits$22,101,000433
Premises and equipment expense$8,381,000307
Additional noninterest expense$19,671,000340
Pre-tax net operating income$105,538,000168
Securities gains (losses)$02,296
Applicable income taxes$36,904,000168
Income before extraordinary items$68,634,000176
Extraordinary gains, net$046
Net income$68,634,000176
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,384,000166
Cash dividends$40,000,000147
Sale, conversion, retirement of capital stock, net$546,000526
Net operating income$68,634,000175
2005-09-30 (YTD Data)Rank
Total interest income$149,076,000215
Total interest expense$46,005,000228
Net interest income$103,071,000208
Provision for loan and lease losses$7,180,000141
Total noninterest income$18,085,000347
Gross Fiduciary activities income$13,0001,183
Service charges on deposit accounts$8,437,000165
Trading account gains and fees$0126
Additional Noninterest Income$9,635,000371
Total noninterest expense$37,322,000387
Salaries and employee benefits$16,201,000436
Premises and equipment expense$6,258,000306
Additional noninterest expense$14,863,000331
Pre-tax net operating income$76,654,000176
Securities gains (losses)$02,317
Applicable income taxes$27,011,000173
Income before extraordinary items$49,643,000185
Extraordinary gains, net$035
Net income$49,643,000185
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,753,000139
Cash dividends$30,000,000142
Sale, conversion, retirement of capital stock, net$544,000395
Net operating income$49,643,000181
2005-06-30 (YTD Data)Rank
Total interest income$95,271,000216
Total interest expense$27,937,000234
Net interest income$67,334,000206
Provision for loan and lease losses$3,670,000165
Total noninterest income$11,272,000360
Gross Fiduciary activities income$11,0001,150
Service charges on deposit accounts$5,586,000158
Trading account gains and fees$0116
Additional Noninterest Income$5,675,000403
Total noninterest expense$24,902,000382
Salaries and employee benefits$10,923,000432
Premises and equipment expense$4,169,000302
Additional noninterest expense$9,810,000333
Pre-tax net operating income$50,034,000180
Securities gains (losses)$02,146
Applicable income taxes$17,615,000174
Income before extraordinary items$32,419,000187
Extraordinary gains, net$030
Net income$32,419,000187
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,441,000200
Cash dividends$20,000,000132
Sale, conversion, retirement of capital stock, net$57,000487
Net operating income$32,419,000183
2005-03-31 (YTD Data)Rank
Total interest income$45,355,000219
Total interest expense$12,539,000239
Net interest income$32,816,000210
Provision for loan and lease losses$1,980,000145
Total noninterest income$5,523,000357
Gross Fiduciary activities income$4,0001,192
Service charges on deposit accounts$2,786,000157
Trading account gains and fees$0115
Additional Noninterest Income$2,733,000395
Total noninterest expense$12,555,000367
Salaries and employee benefits$5,434,000422
Premises and equipment expense$2,066,000308
Additional noninterest expense$5,055,000325
Pre-tax net operating income$23,804,000182
Securities gains (losses)$01,685
Applicable income taxes$8,366,000177
Income before extraordinary items$15,438,000190
Extraordinary gains, net$024
Net income$15,438,000190
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,543,000179
Cash dividends$10,000,000110
Sale, conversion, retirement of capital stock, net$41,000337
Net operating income$15,438,000185
2004-12-31 (YTD Data)Rank
Total interest income$148,781,000240
Total interest expense$28,184,000316
Net interest income$120,597,000216
Provision for loan and lease losses$8,100,000169
Total noninterest income$24,334,000338
Gross Fiduciary activities income$14,0001,262
Service charges on deposit accounts$12,285,000159
Trading account gains and fees$0138
Additional Noninterest Income$12,035,000367
Total noninterest expense$50,879,000362
Salaries and employee benefits$27,250,000340
Premises and equipment expense$8,945,000280
Additional noninterest expense$14,684,000406
Pre-tax net operating income$85,952,000180
Securities gains (losses)$03,819
Applicable income taxes$29,890,000174
Income before extraordinary items$56,062,000189
Extraordinary gains, net$034
Net income$56,062,000190
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,723,000286
Cash dividends$10,000,000355
Sale, conversion, retirement of capital stock, net$1,001,000401
Net operating income$56,062,000182
2004-09-30 (YTD Data)Rank
Total interest income$107,141,000247
Total interest expense$18,885,000343
Net interest income$88,256,000223
Provision for loan and lease losses$5,720,000188
Total noninterest income$18,165,000348
Gross Fiduciary activities income$11,0001,227
Service charges on deposit accounts$9,398,000160
Trading account gains and fees$0134
Additional Noninterest Income$8,756,000378
Total noninterest expense$37,744,000370
Salaries and employee benefits$20,091,000346
Premises and equipment expense$6,687,000285
Additional noninterest expense$10,966,000405
Pre-tax net operating income$62,957,000181
Securities gains (losses)$03,710
Applicable income taxes$21,850,000180
Income before extraordinary items$41,107,000189
Extraordinary gains, net$026
Net income$41,107,000190
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,978,000262
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$695,000330
Net operating income$41,107,000184
2004-06-30 (YTD Data)Rank
Total interest income$69,271,000249
Total interest expense$11,609,000362
Net interest income$57,662,000223
Provision for loan and lease losses$4,110,000183
Total noninterest income$12,049,000341
Gross Fiduciary activities income$5,0001,290
Service charges on deposit accounts$6,409,000152
Trading account gains and fees$0130
Additional Noninterest Income$5,635,000383
Total noninterest expense$24,880,000365
Salaries and employee benefits$13,208,000349
Premises and equipment expense$4,442,000289
Additional noninterest expense$7,230,000400
Pre-tax net operating income$40,721,000188
Securities gains (losses)$03,413
Applicable income taxes$14,102,000180
Income before extraordinary items$26,619,000196
Extraordinary gains, net$021
Net income$26,619,000197
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,947,000267
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$366,000289
Net operating income$26,619,000188
2004-03-31 (YTD Data)Rank
Total interest income$34,162,000254
Total interest expense$6,002,000359
Net interest income$28,160,000225
Provision for loan and lease losses$2,260,000171
Total noninterest income$5,615,000356
Gross Fiduciary activities income$1,0001,344
Service charges on deposit accounts$3,146,000155
Trading account gains and fees$0121
Additional Noninterest Income$2,468,000413
Total noninterest expense$12,198,000381
Salaries and employee benefits$6,593,000356
Premises and equipment expense$2,208,000294
Additional noninterest expense$3,397,000420
Pre-tax net operating income$19,317,000187
Securities gains (losses)$02,934
Applicable income taxes$6,667,000188
Income before extraordinary items$12,650,000205
Extraordinary gains, net$016
Net income$12,650,000206
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,119,000253
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$12,650,000196
2003-12-31 (YTD Data)Rank
Total interest income$137,340,000253
Total interest expense$29,303,000331
Net interest income$108,037,000226
Provision for loan and lease losses$5,690,000304
Total noninterest income$23,220,000362
Gross Fiduciary activities income$3,048,000202
Service charges on deposit accounts$11,280,000175
Trading account gains and fees$0160
Additional Noninterest Income$8,892,000491
Total noninterest expense$49,163,000379
Salaries and employee benefits$24,647,000373
Premises and equipment expense$8,836,000299
Additional noninterest expense$15,680,000394
Pre-tax net operating income$76,404,000183
Securities gains (losses)$04,500
Applicable income taxes$26,130,000191
Income before extraordinary items$50,274,000198
Extraordinary gains, net$054
Net income$50,274,000200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,009,000403
Cash dividends$34,122,000159
Sale, conversion, retirement of capital stock, net$176,000620
Net operating income$50,274,000185
2003-09-30 (YTD Data)Rank
Total interest income$103,162,000262
Total interest expense$22,960,000334
Net interest income$80,202,000231
Provision for loan and lease losses$3,290,000375
Total noninterest income$17,170,000380
Gross Fiduciary activities income$2,047,000224
Service charges on deposit accounts$8,522,000182
Trading account gains and fees$0153
Additional Noninterest Income$6,601,000520
Total noninterest expense$35,941,000391
Salaries and employee benefits$18,160,000385
Premises and equipment expense$6,551,000308
Additional noninterest expense$11,230,000420
Pre-tax net operating income$58,141,000186
Securities gains (losses)$04,204
Applicable income taxes$19,868,000199
Income before extraordinary items$38,273,000206
Extraordinary gains, net$040
Net income$38,273,000207
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,134,000423
Cash dividends$24,122,000172
Sale, conversion, retirement of capital stock, net$109,000503
Net operating income$38,273,000190
2003-06-30 (YTD Data)Rank
Total interest income$68,273,000269
Total interest expense$15,840,000330
Net interest income$52,433,000241
Provision for loan and lease losses$2,330,000352
Total noninterest income$11,165,000386
Gross Fiduciary activities income$1,269,000236
Service charges on deposit accounts$5,809,000174
Trading account gains and fees$0150
Additional Noninterest Income$4,087,000540
Total noninterest expense$23,703,000406
Salaries and employee benefits$11,985,000389
Premises and equipment expense$4,367,000314
Additional noninterest expense$7,351,000427
Pre-tax net operating income$37,565,000188
Securities gains (losses)$03,782
Applicable income taxes$12,797,000203
Income before extraordinary items$24,768,000208
Extraordinary gains, net$030
Net income$24,768,000208
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,067,000506
Cash dividends$14,122,000170
Sale, conversion, retirement of capital stock, net$109,000383
Net operating income$24,768,000188
2003-03-31 (YTD Data)Rank
Total interest income$33,700,000274
Total interest expense$7,981,000346
Net interest income$25,719,000245
Provision for loan and lease losses$1,080,000360
Total noninterest income$5,613,000393
Gross Fiduciary activities income$643,000241
Service charges on deposit accounts$2,956,000174
Trading account gains and fees$0134
Additional Noninterest Income$2,014,000536
Total noninterest expense$11,744,000402
Salaries and employee benefits$6,007,000388
Premises and equipment expense$2,189,000319
Additional noninterest expense$3,548,000435
Pre-tax net operating income$18,508,000190
Securities gains (losses)$02,891
Applicable income taxes$6,297,000206
Income before extraordinary items$12,211,000211
Extraordinary gains, net$021
Net income$12,211,000211
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$475,000512
Cash dividends$12,122,000114
Sale, conversion, retirement of capital stock, net$109,000217
Net operating income$12,211,000192
2002-12-31 (YTD Data)Rank
Total interest income$139,363,000284
Total interest expense$39,076,000337
Net interest income$100,287,000256
Provision for loan and lease losses$4,920,000393
Total noninterest income$20,965,000392
Gross Fiduciary activities income$2,575,000240
Service charges on deposit accounts$10,072,000189
Trading account gains and fees$0153
Additional Noninterest Income$8,318,000488
Total noninterest expense$45,867,000401
Salaries and employee benefits$23,370,000367
Premises and equipment expense$8,099,000315
Additional noninterest expense$14,398,000438
Pre-tax net operating income$70,465,000188
Securities gains (losses)$558,000620
Applicable income taxes$24,092,000197
Income before extraordinary items$46,931,000206
Extraordinary gains, net$070
Net income$46,931,000206
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,604,000481
Cash dividends$43,146,000141
Sale, conversion, retirement of capital stock, net$1,876,000307
Net operating income$46,562,720198
2001-12-31 (YTD Data)Rank
Total interest income$158,072,000285
Total interest expense$66,901,000299
Net interest income$91,171,000265
Provision for loan and lease losses$1,541,000885
Total noninterest income$20,474,000384
Gross Fiduciary activities income$3,624,000209
Service charges on deposit accounts$9,008,000198
Trading account gains and fees$0177
Additional Noninterest Income$7,842,000477
Total noninterest expense$43,581,000399
Salaries and employee benefits$24,571,000328
Premises and equipment expense$7,377,000334
Additional noninterest expense$11,633,000511
Pre-tax net operating income$66,523,000188
Securities gains (losses)$389,000738
Applicable income taxes$22,871,000188
Income before extraordinary items$44,041,000198
Extraordinary gains, net$0105
Net income$44,041,000199
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,107,000875
Cash dividends$23,204,000209
Sale, conversion, retirement of capital stock, net$2,753,000270
Net operating income$43,784,260189
2000-12-31 (YTD Data)Rank
Total interest income$147,837,000317
Total interest expense$71,643,000329
Net interest income$76,194,000299
Provision for loan and lease losses$3,510,000414
Total noninterest income$25,132,000327
Gross Fiduciary activities income$2,603,000252
Service charges on deposit accounts$7,414,000210
Trading account gains and fees$0180
Additional Noninterest Income$15,115,000343
Total noninterest expense$40,953,000404
Salaries and employee benefits$21,200,000350
Premises and equipment expense$6,831,000344
Additional noninterest expense$12,922,000486
Pre-tax net operating income$56,863,000209
Securities gains (losses)$01,956
Applicable income taxes$19,702,000209
Income before extraordinary items$37,161,000214
Extraordinary gains, net$038
Net income$37,161,000213
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$763,000908
Cash dividends$16,351,000275
Sale, conversion, retirement of capital stock, net$449,000554
Net operating income$37,161,000216
1999-12-31 (YTD Data)Rank
Total interest income$122,002,000347
Total interest expense$47,501,000401
Net interest income$74,501,000302
Provision for loan and lease losses$3,249,000391
Total noninterest income$16,839,000448
Gross Fiduciary activities income$2,167,000320
Service charges on deposit accounts$7,646,000217
Trading account gains and fees$0173
Additional Noninterest Income$7,026,000536
Total noninterest expense$41,793,000416
Salaries and employee benefits$22,584,000345
Premises and equipment expense$6,936,000351
Additional noninterest expense$12,273,000520
Pre-tax net operating income$46,298,000264
Securities gains (losses)$124,000656
Applicable income taxes$16,792,000268
Income before extraordinary items$29,630,000277
Extraordinary gains, net$035
Net income$29,630,000279
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,397,000565
Cash dividends$24,162,000228
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$29,550,640273
1998-12-31 (YTD Data)Rank
Total interest income$108,530,000370
Total interest expense$42,702,000445
Net interest income$65,828,000327
Provision for loan and lease losses$3,740,000397
Total noninterest income$17,078,000416
Gross Fiduciary activities income$1,676,000349
Service charges on deposit accounts$7,179,000212
Trading account gains and fees$0224
Additional Noninterest Income$8,223,000480
Total noninterest expense$41,090,000417
Salaries and employee benefits$21,665,000347
Premises and equipment expense$6,877,000338
Additional noninterest expense$12,548,000502
Pre-tax net operating income$38,076,000273
Securities gains (losses)$261,000793
Applicable income taxes$13,819,000272
Income before extraordinary items$24,518,000285
Extraordinary gains, net$032
Net income$24,518,000286
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,095,000707
Cash dividends$18,475,000262
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$24,350,960278
1997-12-31 (YTD Data)Rank
Total interest income$100,960,000403
Total interest expense$40,645,000468
Net interest income$60,315,000351
Provision for loan and lease losses$3,424,000401
Total noninterest income$13,345,000464
Gross Fiduciary activities income$1,497,000379
Service charges on deposit accounts$5,884,000249
Trading account gains and fees$0239
Additional Noninterest Income$5,964,000548
Total noninterest expense$38,136,000415
Salaries and employee benefits$20,126,000352
Premises and equipment expense$6,703,000345
Additional noninterest expense$11,307,000529
Pre-tax net operating income$32,100,000307
Securities gains (losses)$03,944
Applicable income taxes$11,628,000321
Income before extraordinary items$20,472,000321
Extraordinary gains, net$044
Net income$20,472,000321
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,191,000711
Cash dividends$13,220,000304
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$20,472,000311
1996-12-31 (YTD Data)Rank
Total interest income$93,612,000462
Total interest expense$39,992,000502
Net interest income$53,620,000417
Provision for loan and lease losses$3,080,000452
Total noninterest income$13,154,000497
Gross Fiduciary activities income$1,321,000442
Service charges on deposit accounts$5,712,000286
Trading account gains and fees$0262
Additional Noninterest Income$6,121,000569
Total noninterest expense$38,412,000474
Salaries and employee benefits$18,763,000404
Premises and equipment expense$6,517,000383
Additional noninterest expense$13,132,000543
Pre-tax net operating income$25,282,000385
Securities gains (losses)$04,148
Applicable income taxes$9,111,000382
Income before extraordinary items$16,171,000400
Extraordinary gains, net$053
Net income$16,171,000401
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$867,000976
Cash dividends$7,786,000512
Sale, conversion, retirement of capital stock, net$0953
Net operating income$16,171,000398
1995-12-31 (YTD Data)Rank
Total interest income$85,062,000511
Total interest expense$37,585,000548
Net interest income$47,477,000470
Provision for loan and lease losses$2,422,000512
Total noninterest income$11,986,000533
Gross Fiduciary activities income$1,148,000503
Service charges on deposit accounts$5,308,000318
Trading account gains and fees$0522
Additional Noninterest Income$5,530,000623
Total noninterest expense$37,780,000484
Salaries and employee benefits$18,776,000421
Premises and equipment expense$6,292,000421
Additional noninterest expense$12,712,000571
Pre-tax net operating income$19,261,000498
Securities gains (losses)$03,831
Applicable income taxes$6,779,000497
Income before extraordinary items$12,482,000509
Extraordinary gains, net$065
Net income$12,482,000509
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$890,000946
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$12,482,000504
1994-12-31 (YTD Data)Rank
Total interest income$70,531,000524
Total interest expense$28,348,000550
Net interest income$42,183,000498
Provision for loan and lease losses$3,338,000393
Total noninterest income$11,137,000544
Gross Fiduciary activities income$1,000,000524
Service charges on deposit accounts$4,759,000335
Trading account gains and fees$0475
Additional Noninterest Income$5,378,000614
Total noninterest expense$44,067,000437
Salaries and employee benefits$19,664,000401
Premises and equipment expense$5,730,000439
Additional noninterest expense$18,673,000462
Pre-tax net operating income$5,915,0001,260
Securities gains (losses)$-1,062,00012,411
Applicable income taxes$1,570,0001,491
Income before extraordinary items$3,283,0001,500
Extraordinary gains, net$0249
Net income$3,283,0001,501
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,784,000607
Cash dividends$2,250,0001,005
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$4,005,1601,277
1993-12-31 (YTD Data)Rank
Total interest income$56,464,000625
Total interest expense$22,549,000648
Net interest income$33,915,000598
Provision for loan and lease losses$1,440,0001,031
Total noninterest income$9,835,000614
Gross Fiduciary activities income$840,000587
Service charges on deposit accounts$4,116,000372
Trading account gains and fees$0532
Additional Noninterest Income$4,879,000680
Total noninterest expense$33,399,000563
Salaries and employee benefits$17,052,000449
Premises and equipment expense$5,228,000480
Additional noninterest expense$11,119,000704
Pre-tax net operating income$8,911,000828
Securities gains (losses)$07,477
Applicable income taxes$2,853,000896
Income before extraordinary items$6,058,000865
Extraordinary gains, net$03,149
Net income$6,058,000900
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$622,0001,547
Cash dividends$1,300,0001,425
Sale, conversion, retirement of capital stock, net$12,750,000108
Net operating income$6,058,000815
1992-12-31 (YTD Data)Rank
Total interest income$52,205,000754
Total interest expense$22,340,000833
Net interest income$29,865,000681
Provision for loan and lease losses$2,776,000892
Total noninterest income$9,012,000640
Gross Fiduciary activities income$789,000613
Service charges on deposit accounts$3,649,000405
Trading account gains and fees$0504
Additional Noninterest Income$4,574,000718
Total noninterest expense$28,729,000634
Salaries and employee benefits$15,089,000489
Premises and equipment expense$4,673,000543
Additional noninterest expense$8,967,000843
Pre-tax net operating income$7,372,000878
Securities gains (losses)$207,0001,971
Applicable income taxes$2,681,000864
Income before extraordinary items$4,898,000974
Extraordinary gains, net$413,000237
Net income$5,311,000902
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,329,000874
Cash dividends$300,0003,979
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$4,763,450906

* 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.