Home > The Security National Bank and Trust Co. > Income and Expense
The Security National Bank and Trust Co., Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $22,645,000 | 865 |
| Total interest expense | $8,002,000 | 1,091 |
| Net interest income | $14,643,000 | 753 |
| Provision for loan and lease losses | $720,000 | 1,500 |
| Total noninterest income | $5,249,000 | 615 |
| Gross Fiduciary activities income | $1,284,000 | 237 |
| Service charges on deposit accounts | $1,351,000 | 640 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,614,000 | 684 |
| Total noninterest expense | $10,642,000 | 929 |
| Salaries and employee benefits | $5,473,000 | 953 |
| Premises and equipment expense | $1,159,000 | 1,187 |
| Additional noninterest expense | $4,010,000 | 753 |
| Pre-tax net operating income | $8,530,000 | 431 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $2,693,000 | 409 |
| Income before extraordinary items | $5,837,000 | 476 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,837,000 | 475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $816,000 | 973 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $5,837,000 | 466 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $11,656,000 | 858 |
| Total interest expense | $4,491,000 | 1,037 |
| Net interest income | $7,165,000 | 761 |
| Provision for loan and lease losses | $340,000 | 1,271 |
| Total noninterest income | $2,897,000 | 574 |
| Gross Fiduciary activities income | $597,000 | 248 |
| Service charges on deposit accounts | $654,000 | 648 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,646,000 | 583 |
| Total noninterest expense | $5,587,000 | 862 |
| Salaries and employee benefits | $2,795,000 | 940 |
| Premises and equipment expense | $596,000 | 1,165 |
| Additional noninterest expense | $2,196,000 | 665 |
| Pre-tax net operating income | $4,135,000 | 479 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,284,000 | 490 |
| Income before extraordinary items | $2,851,000 | 535 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,851,000 | 536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $521,000 | 688 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $2,851,000 | 510 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $50,169,000 | 833 |
| Total interest expense | $20,178,000 | 975 |
| Net interest income | $29,991,000 | 737 |
| Provision for loan and lease losses | $900,000 | 1,538 |
| Total noninterest income | $9,596,000 | 624 |
| Gross Fiduciary activities income | $2,653,000 | 231 |
| Service charges on deposit accounts | $2,994,000 | 583 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,949,000 | 832 |
| Total noninterest expense | $21,190,000 | 882 |
| Salaries and employee benefits | $11,368,000 | 870 |
| Premises and equipment expense | $2,289,000 | 1,154 |
| Additional noninterest expense | $7,533,000 | 766 |
| Pre-tax net operating income | $17,497,000 | 512 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,598,000 | 498 |
| Income before extraordinary items | $11,899,000 | 553 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $11,899,000 | 551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,810,000 | 662 |
| Cash dividends | $12,100,000 | 361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $11,899,000 | 545 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $37,952,000 | 827 |
| Total interest expense | $15,325,000 | 967 |
| Net interest income | $22,627,000 | 734 |
| Provision for loan and lease losses | $1,465,000 | 664 |
| Total noninterest income | $7,220,000 | 628 |
| Gross Fiduciary activities income | $1,983,000 | 232 |
| Service charges on deposit accounts | $2,262,000 | 572 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,975,000 | 833 |
| Total noninterest expense | $15,751,000 | 874 |
| Salaries and employee benefits | $8,525,000 | 869 |
| Premises and equipment expense | $1,776,000 | 1,127 |
| Additional noninterest expense | $5,450,000 | 776 |
| Pre-tax net operating income | $12,631,000 | 574 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $4,013,000 | 554 |
| Income before extraordinary items | $8,618,000 | 614 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $8,618,000 | 612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,546,000 | 479 |
| Cash dividends | $5,100,000 | 561 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $8,618,000 | 604 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $25,623,000 | 823 |
| Total interest expense | $10,208,000 | 981 |
| Net interest income | $15,415,000 | 732 |
| Provision for loan and lease losses | $825,000 | 677 |
| Total noninterest income | $4,761,000 | 663 |
| Gross Fiduciary activities income | $1,385,000 | 232 |
| Service charges on deposit accounts | $1,394,000 | 623 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,982,000 | 862 |
| Total noninterest expense | $10,555,000 | 885 |
| Salaries and employee benefits | $5,742,000 | 885 |
| Premises and equipment expense | $1,184,000 | 1,130 |
| Additional noninterest expense | $3,629,000 | 782 |
| Pre-tax net operating income | $8,796,000 | 578 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,814,000 | 554 |
| Income before extraordinary items | $5,982,000 | 621 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,982,000 | 620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $843,000 | 501 |
| Cash dividends | $2,000,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $5,982,000 | 611 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,736,000 | 817 |
| Total interest expense | $4,966,000 | 992 |
| Net interest income | $7,770,000 | 724 |
| Provision for loan and lease losses | $140,000 | 1,574 |
| Total noninterest income | $2,244,000 | 682 |
| Gross Fiduciary activities income | $678,000 | 239 |
| Service charges on deposit accounts | $664,000 | 632 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $902,000 | 914 |
| Total noninterest expense | $5,374,000 | 862 |
| Salaries and employee benefits | $2,928,000 | 870 |
| Premises and equipment expense | $631,000 | 1,054 |
| Additional noninterest expense | $1,815,000 | 763 |
| Pre-tax net operating income | $4,500,000 | 563 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,443,000 | 552 |
| Income before extraordinary items | $3,057,000 | 599 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,057,000 | 599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,124 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $3,057,000 | 588 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $52,503,000 | 730 |
| Total interest expense | $22,024,000 | 761 |
| Net interest income | $30,479,000 | 723 |
| Provision for loan and lease losses | $235,000 | 3,248 |
| Total noninterest income | $9,051,000 | 665 |
| Gross Fiduciary activities income | $2,583,000 | 223 |
| Service charges on deposit accounts | $2,826,000 | 600 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,642,000 | 868 |
| Total noninterest expense | $20,087,000 | 882 |
| Salaries and employee benefits | $10,994,000 | 877 |
| Premises and equipment expense | $2,346,000 | 1,075 |
| Additional noninterest expense | $6,747,000 | 799 |
| Pre-tax net operating income | $19,208,000 | 553 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $6,291,000 | 537 |
| Income before extraordinary items | $12,917,000 | 584 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $12,917,000 | 583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 1,684 |
| Cash dividends | $14,500,000 | 301 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $12,917,000 | 577 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $39,335,000 | 737 |
| Total interest expense | $16,574,000 | 749 |
| Net interest income | $22,761,000 | 739 |
| Provision for loan and lease losses | $280,000 | 2,271 |
| Total noninterest income | $6,745,000 | 683 |
| Gross Fiduciary activities income | $1,905,000 | 232 |
| Service charges on deposit accounts | $2,105,000 | 610 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,735,000 | 882 |
| Total noninterest expense | $15,166,000 | 885 |
| Salaries and employee benefits | $8,400,000 | 873 |
| Premises and equipment expense | $1,768,000 | 1,084 |
| Additional noninterest expense | $4,998,000 | 812 |
| Pre-tax net operating income | $14,060,000 | 593 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,587,000 | 576 |
| Income before extraordinary items | $9,473,000 | 627 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $9,473,000 | 626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 1,619 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $9,473,000 | 619 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $26,210,000 | 722 |
| Total interest expense | $11,006,000 | 714 |
| Net interest income | $15,204,000 | 739 |
| Provision for loan and lease losses | $200,000 | 2,096 |
| Total noninterest income | $4,393,000 | 696 |
| Gross Fiduciary activities income | $1,233,000 | 246 |
| Service charges on deposit accounts | $1,359,000 | 626 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,801,000 | 895 |
| Total noninterest expense | $10,076,000 | 887 |
| Salaries and employee benefits | $5,562,000 | 887 |
| Premises and equipment expense | $1,188,000 | 1,074 |
| Additional noninterest expense | $3,326,000 | 818 |
| Pre-tax net operating income | $9,321,000 | 597 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,036,000 | 584 |
| Income before extraordinary items | $6,285,000 | 632 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,285,000 | 630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 1,511 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $6,285,000 | 618 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $12,817,000 | 721 |
| Total interest expense | $5,282,000 | 700 |
| Net interest income | $7,535,000 | 748 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $2,036,000 | 727 |
| Gross Fiduciary activities income | $557,000 | 258 |
| Service charges on deposit accounts | $630,000 | 657 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $849,000 | 925 |
| Total noninterest expense | $5,137,000 | 871 |
| Salaries and employee benefits | $2,846,000 | 863 |
| Premises and equipment expense | $601,000 | 1,062 |
| Additional noninterest expense | $1,690,000 | 790 |
| Pre-tax net operating income | $4,384,000 | 610 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,421,000 | 610 |
| Income before extraordinary items | $2,963,000 | 658 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,963,000 | 657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 1,568 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,963,000 | 643 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $49,282,000 | 658 |
| Total interest expense | $18,471,000 | 621 |
| Net interest income | $30,811,000 | 683 |
| Provision for loan and lease losses | $1,005,000 | 1,035 |
| Total noninterest income | $8,873,000 | 678 |
| Gross Fiduciary activities income | $2,407,000 | 238 |
| Service charges on deposit accounts | $2,426,000 | 717 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,040,000 | 792 |
| Total noninterest expense | $19,658,000 | 861 |
| Salaries and employee benefits | $10,792,000 | 847 |
| Premises and equipment expense | $2,511,000 | 961 |
| Additional noninterest expense | $6,355,000 | 815 |
| Pre-tax net operating income | $19,021,000 | 557 |
| Securities gains (losses) | $7,000 | 1,594 |
| Applicable income taxes | $6,231,000 | 546 |
| Income before extraordinary items | $12,797,000 | 587 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $12,797,000 | 588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,225,000 | 580 |
| Cash dividends | $13,000,000 | 315 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $12,792,310 | 578 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $36,636,000 | 646 |
| Total interest expense | $13,411,000 | 604 |
| Net interest income | $23,225,000 | 670 |
| Provision for loan and lease losses | $335,000 | 2,015 |
| Total noninterest income | $6,819,000 | 669 |
| Gross Fiduciary activities income | $1,757,000 | 235 |
| Service charges on deposit accounts | $1,803,000 | 719 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,259,000 | 756 |
| Total noninterest expense | $14,645,000 | 866 |
| Salaries and employee benefits | $8,053,000 | 844 |
| Premises and equipment expense | $1,946,000 | 906 |
| Additional noninterest expense | $4,646,000 | 825 |
| Pre-tax net operating income | $15,064,000 | 538 |
| Securities gains (losses) | $7,000 | 1,597 |
| Applicable income taxes | $4,929,000 | 527 |
| Income before extraordinary items | $10,142,000 | 559 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,142,000 | 559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $428,000 | 940 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $10,137,310 | 542 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $24,167,000 | 639 |
| Total interest expense | $8,646,000 | 590 |
| Net interest income | $15,521,000 | 661 |
| Provision for loan and lease losses | $165,000 | 2,477 |
| Total noninterest income | $4,539,000 | 661 |
| Gross Fiduciary activities income | $1,194,000 | 235 |
| Service charges on deposit accounts | $1,159,000 | 729 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,186,000 | 753 |
| Total noninterest expense | $9,770,000 | 859 |
| Salaries and employee benefits | $5,347,000 | 833 |
| Premises and equipment expense | $1,368,000 | 851 |
| Additional noninterest expense | $3,055,000 | 832 |
| Pre-tax net operating income | $10,125,000 | 523 |
| Securities gains (losses) | $7,000 | 1,472 |
| Applicable income taxes | $3,315,000 | 522 |
| Income before extraordinary items | $6,817,000 | 551 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,817,000 | 551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 1,641 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $6,812,310 | 536 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $11,655,000 | 646 |
| Total interest expense | $4,094,000 | 586 |
| Net interest income | $7,561,000 | 670 |
| Provision for loan and lease losses | $-5,000 | 8,701 |
| Total noninterest income | $2,057,000 | 695 |
| Gross Fiduciary activities income | $551,000 | 250 |
| Service charges on deposit accounts | $572,000 | 713 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $934,000 | 827 |
| Total noninterest expense | $4,821,000 | 865 |
| Salaries and employee benefits | $2,634,000 | 845 |
| Premises and equipment expense | $719,000 | 822 |
| Additional noninterest expense | $1,468,000 | 853 |
| Pre-tax net operating income | $4,802,000 | 539 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,564,000 | 545 |
| Income before extraordinary items | $3,238,000 | 571 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,238,000 | 571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-85,000 | 8,754 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,238,000 | 551 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $45,573,000 | 618 |
| Total interest expense | $13,634,000 | 609 |
| Net interest income | $31,939,000 | 628 |
| Provision for loan and lease losses | $430,000 | 2,234 |
| Total noninterest income | $8,257,000 | 700 |
| Gross Fiduciary activities income | $2,288,000 | 236 |
| Service charges on deposit accounts | $2,568,000 | 683 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,401,000 | 900 |
| Total noninterest expense | $19,832,000 | 812 |
| Salaries and employee benefits | $10,937,000 | 781 |
| Premises and equipment expense | $2,709,000 | 835 |
| Additional noninterest expense | $6,186,000 | 815 |
| Pre-tax net operating income | $19,934,000 | 494 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $6,485,000 | 500 |
| Income before extraordinary items | $13,449,000 | 529 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $13,449,000 | 530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $950,000 | 817 |
| Cash dividends | $11,600,000 | 327 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $13,449,000 | 511 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $33,912,000 | 618 |
| Total interest expense | $10,020,000 | 605 |
| Net interest income | $23,892,000 | 620 |
| Provision for loan and lease losses | $475,000 | 1,507 |
| Total noninterest income | $6,152,000 | 712 |
| Gross Fiduciary activities income | $1,666,000 | 246 |
| Service charges on deposit accounts | $1,911,000 | 694 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,575,000 | 895 |
| Total noninterest expense | $14,915,000 | 803 |
| Salaries and employee benefits | $8,263,000 | 778 |
| Premises and equipment expense | $2,019,000 | 835 |
| Additional noninterest expense | $4,633,000 | 813 |
| Pre-tax net operating income | $14,654,000 | 500 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $4,750,000 | 502 |
| Income before extraordinary items | $9,904,000 | 529 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $9,904,000 | 530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $381,000 | 1,214 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $9,904,000 | 507 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $22,264,000 | 624 |
| Total interest expense | $6,647,000 | 599 |
| Net interest income | $15,617,000 | 623 |
| Provision for loan and lease losses | $220,000 | 2,035 |
| Total noninterest income | $4,124,000 | 713 |
| Gross Fiduciary activities income | $1,146,000 | 241 |
| Service charges on deposit accounts | $1,229,000 | 708 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,749,000 | 882 |
| Total noninterest expense | $9,965,000 | 808 |
| Salaries and employee benefits | $5,551,000 | 768 |
| Premises and equipment expense | $1,320,000 | 847 |
| Additional noninterest expense | $3,094,000 | 800 |
| Pre-tax net operating income | $9,556,000 | 503 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $3,126,000 | 509 |
| Income before extraordinary items | $6,430,000 | 549 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,430,000 | 548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 1,681 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $6,430,000 | 524 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $11,404,000 | 619 |
| Total interest expense | $3,382,000 | 600 |
| Net interest income | $8,022,000 | 616 |
| Provision for loan and lease losses | $85,000 | 2,404 |
| Total noninterest income | $1,931,000 | 736 |
| Gross Fiduciary activities income | $520,000 | 261 |
| Service charges on deposit accounts | $583,000 | 729 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $828,000 | 900 |
| Total noninterest expense | $5,067,000 | 799 |
| Salaries and employee benefits | $2,886,000 | 741 |
| Premises and equipment expense | $695,000 | 827 |
| Additional noninterest expense | $1,486,000 | 827 |
| Pre-tax net operating income | $4,801,000 | 501 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,567,000 | 515 |
| Income before extraordinary items | $3,234,000 | 551 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,234,000 | 550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,234,000 | 517 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $45,657,000 | 613 |
| Total interest expense | $14,026,000 | 631 |
| Net interest income | $31,631,000 | 607 |
| Provision for loan and lease losses | $1,471,000 | 838 |
| Total noninterest income | $8,774,000 | 732 |
| Gross Fiduciary activities income | $2,282,000 | 237 |
| Service charges on deposit accounts | $2,489,000 | 693 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,003,000 | 896 |
| Total noninterest expense | $20,339,000 | 795 |
| Salaries and employee benefits | $10,658,000 | 793 |
| Premises and equipment expense | $2,746,000 | 816 |
| Additional noninterest expense | $6,935,000 | 748 |
| Pre-tax net operating income | $18,595,000 | 512 |
| Securities gains (losses) | $-337,000 | 9,113 |
| Applicable income taxes | $5,892,000 | 547 |
| Income before extraordinary items | $12,366,000 | 565 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $12,366,000 | 565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,230,000 | 512 |
| Cash dividends | $14,000,000 | 300 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $12,595,160 | 518 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $34,998,000 | 611 |
| Total interest expense | $10,737,000 | 646 |
| Net interest income | $24,261,000 | 599 |
| Provision for loan and lease losses | $1,215,000 | 759 |
| Total noninterest income | $7,803,000 | 660 |
| Gross Fiduciary activities income | $1,622,000 | 255 |
| Service charges on deposit accounts | $1,931,000 | 676 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,250,000 | 721 |
| Total noninterest expense | $15,469,000 | 791 |
| Salaries and employee benefits | $8,084,000 | 798 |
| Premises and equipment expense | $2,081,000 | 824 |
| Additional noninterest expense | $5,304,000 | 739 |
| Pre-tax net operating income | $15,380,000 | 481 |
| Securities gains (losses) | $-264,000 | 9,171 |
| Applicable income taxes | $4,877,000 | 516 |
| Income before extraordinary items | $10,239,000 | 539 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $10,239,000 | 539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 1,131 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $10,418,520 | 494 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $23,948,000 | 606 |
| Total interest expense | $7,341,000 | 657 |
| Net interest income | $16,607,000 | 584 |
| Provision for loan and lease losses | $810,000 | 754 |
| Total noninterest income | $5,382,000 | 635 |
| Gross Fiduciary activities income | $1,096,000 | 259 |
| Service charges on deposit accounts | $1,297,000 | 660 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,989,000 | 681 |
| Total noninterest expense | $10,191,000 | 796 |
| Salaries and employee benefits | $5,393,000 | 801 |
| Premises and equipment expense | $1,368,000 | 832 |
| Additional noninterest expense | $3,430,000 | 758 |
| Pre-tax net operating income | $10,988,000 | 453 |
| Securities gains (losses) | $71,000 | 1,769 |
| Applicable income taxes | $3,592,000 | 486 |
| Income before extraordinary items | $7,467,000 | 506 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,467,000 | 506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 1,983 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $7,418,720 | 470 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $12,125,000 | 607 |
| Total interest expense | $3,723,000 | 660 |
| Net interest income | $8,402,000 | 579 |
| Provision for loan and lease losses | $405,000 | 711 |
| Total noninterest income | $2,536,000 | 663 |
| Gross Fiduciary activities income | $555,000 | 267 |
| Service charges on deposit accounts | $643,000 | 647 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,338,000 | 720 |
| Total noninterest expense | $5,228,000 | 781 |
| Salaries and employee benefits | $2,830,000 | 771 |
| Premises and equipment expense | $705,000 | 818 |
| Additional noninterest expense | $1,693,000 | 748 |
| Pre-tax net operating income | $5,305,000 | 469 |
| Securities gains (losses) | $-119,000 | 9,267 |
| Applicable income taxes | $1,693,000 | 518 |
| Income before extraordinary items | $3,493,000 | 513 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,493,000 | 512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,492 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,572,730 | 472 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $53,273,000 | 584 |
| Total interest expense | $19,475,000 | 589 |
| Net interest income | $33,798,000 | 567 |
| Provision for loan and lease losses | $1,090,000 | 1,247 |
| Total noninterest income | $9,247,000 | 657 |
| Gross Fiduciary activities income | $2,201,000 | 271 |
| Service charges on deposit accounts | $2,802,000 | 581 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,244,000 | 784 |
| Total noninterest expense | $20,560,000 | 775 |
| Salaries and employee benefits | $11,005,000 | 735 |
| Premises and equipment expense | $2,330,000 | 939 |
| Additional noninterest expense | $7,225,000 | 714 |
| Pre-tax net operating income | $21,395,000 | 451 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $6,812,000 | 469 |
| Income before extraordinary items | $14,583,000 | 468 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $14,583,000 | 470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,449,000 | 697 |
| Cash dividends | $15,200,000 | 268 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $14,583,000 | 445 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $60,296,000 | 588 |
| Total interest expense | $27,279,000 | 612 |
| Net interest income | $33,017,000 | 562 |
| Provision for loan and lease losses | $5,800,000 | 323 |
| Total noninterest income | $8,175,000 | 691 |
| Gross Fiduciary activities income | $2,273,000 | 274 |
| Service charges on deposit accounts | $2,735,000 | 559 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,167,000 | 904 |
| Total noninterest expense | $20,366,000 | 748 |
| Salaries and employee benefits | $10,391,000 | 720 |
| Premises and equipment expense | $2,010,000 | 1,051 |
| Additional noninterest expense | $7,965,000 | 672 |
| Pre-tax net operating income | $15,026,000 | 537 |
| Securities gains (losses) | $-39,000 | 9,424 |
| Applicable income taxes | $4,763,000 | 565 |
| Income before extraordinary items | $10,224,000 | 567 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $10,224,000 | 568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,566,000 | 685 |
| Cash dividends | $28,000,000 | 189 |
| Sale, conversion, retirement of capital stock, net | $27,058,000 | 27 |
| Net operating income | $10,250,520 | 540 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $47,287,000 | 754 |
| Total interest expense | $20,908,000 | 853 |
| Net interest income | $26,379,000 | 675 |
| Provision for loan and lease losses | $4,441,000 | 345 |
| Total noninterest income | $6,991,000 | 727 |
| Gross Fiduciary activities income | $1,941,000 | 288 |
| Service charges on deposit accounts | $2,341,000 | 568 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,709,000 | 915 |
| Total noninterest expense | $15,557,000 | 910 |
| Salaries and employee benefits | $8,301,000 | 839 |
| Premises and equipment expense | $1,478,000 | 1,403 |
| Additional noninterest expense | $5,778,000 | 855 |
| Pre-tax net operating income | $13,372,000 | 609 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $4,075,000 | 640 |
| Income before extraordinary items | $9,297,000 | 611 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,297,000 | 611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,762,000 | 326 |
| Cash dividends | $24,952,000 | 212 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $9,297,000 | 602 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $44,064,000 | 770 |
| Total interest expense | $18,409,000 | 858 |
| Net interest income | $25,655,000 | 713 |
| Provision for loan and lease losses | $1,200,000 | 831 |
| Total noninterest income | $6,858,000 | 764 |
| Gross Fiduciary activities income | $2,011,000 | 329 |
| Service charges on deposit accounts | $2,375,000 | 562 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,472,000 | 998 |
| Total noninterest expense | $15,359,000 | 925 |
| Salaries and employee benefits | $8,319,000 | 830 |
| Premises and equipment expense | $1,654,000 | 1,221 |
| Additional noninterest expense | $5,386,000 | 906 |
| Pre-tax net operating income | $15,954,000 | 580 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $4,644,000 | 632 |
| Income before extraordinary items | $11,310,000 | 563 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $11,310,000 | 563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $937,000 | 739 |
| Cash dividends | $4,289,000 | 729 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $11,310,000 | 556 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $41,001,000 | 811 |
| Total interest expense | $16,355,000 | 977 |
| Net interest income | $24,646,000 | 713 |
| Provision for loan and lease losses | $1,540,000 | 696 |
| Total noninterest income | $6,471,000 | 778 |
| Gross Fiduciary activities income | $1,836,000 | 338 |
| Service charges on deposit accounts | $2,415,000 | 531 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,220,000 | 1,086 |
| Total noninterest expense | $14,216,000 | 959 |
| Salaries and employee benefits | $7,249,000 | 910 |
| Premises and equipment expense | $1,621,000 | 1,175 |
| Additional noninterest expense | $5,346,000 | 909 |
| Pre-tax net operating income | $15,361,000 | 542 |
| Securities gains (losses) | $277,000 | 772 |
| Applicable income taxes | $5,184,000 | 564 |
| Income before extraordinary items | $10,454,000 | 572 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $10,454,000 | 571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,349,000 | 604 |
| Cash dividends | $3,912,000 | 801 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $10,268,410 | 555 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $40,259,000 | 847 |
| Total interest expense | $15,437,000 | 1,065 |
| Net interest income | $24,822,000 | 731 |
| Provision for loan and lease losses | $1,500,000 | 727 |
| Total noninterest income | $5,613,000 | 856 |
| Gross Fiduciary activities income | $1,616,000 | 367 |
| Service charges on deposit accounts | $2,248,000 | 575 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,749,000 | 1,197 |
| Total noninterest expense | $13,965,000 | 983 |
| Salaries and employee benefits | $6,908,000 | 955 |
| Premises and equipment expense | $1,759,000 | 1,136 |
| Additional noninterest expense | $5,298,000 | 924 |
| Pre-tax net operating income | $14,970,000 | 575 |
| Securities gains (losses) | $74,000 | 1,122 |
| Applicable income taxes | $4,647,000 | 637 |
| Income before extraordinary items | $10,397,000 | 583 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $10,397,000 | 583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,607,000 | 577 |
| Cash dividends | $24,478,000 | 196 |
| Sale, conversion, retirement of capital stock, net | $210,000 | 673 |
| Net operating income | $10,345,940 | 564 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $39,890,000 | 880 |
| Total interest expense | $14,636,000 | 1,115 |
| Net interest income | $25,254,000 | 752 |
| Provision for loan and lease losses | $1,800,000 | 671 |
| Total noninterest income | $4,515,000 | 1,012 |
| Gross Fiduciary activities income | $1,516,000 | 406 |
| Service charges on deposit accounts | $2,133,000 | 643 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $866,000 | 1,998 |
| Total noninterest expense | $12,914,000 | 1,136 |
| Salaries and employee benefits | $6,609,000 | 1,010 |
| Premises and equipment expense | $1,580,000 | 1,297 |
| Additional noninterest expense | $4,725,000 | 1,185 |
| Pre-tax net operating income | $15,055,000 | 558 |
| Securities gains (losses) | $368,000 | 502 |
| Applicable income taxes | $4,244,000 | 661 |
| Income before extraordinary items | $11,179,000 | 523 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $11,179,000 | 525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,631,000 | 650 |
| Cash dividends | $27,084,000 | 228 |
| Sale, conversion, retirement of capital stock, net | $476,000 | 478 |
| Net operating income | $10,914,040 | 525 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $39,711,000 | 917 |
| Total interest expense | $14,194,000 | 1,173 |
| Net interest income | $25,517,000 | 764 |
| Provision for loan and lease losses | $800,000 | 1,117 |
| Total noninterest income | $4,362,000 | 1,047 |
| Gross Fiduciary activities income | $1,464,000 | 445 |
| Service charges on deposit accounts | $2,126,000 | 647 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $772,000 | 2,156 |
| Total noninterest expense | $13,436,000 | 1,109 |
| Salaries and employee benefits | $6,773,000 | 1,020 |
| Premises and equipment expense | $1,439,000 | 1,434 |
| Additional noninterest expense | $5,224,000 | 1,084 |
| Pre-tax net operating income | $15,643,000 | 569 |
| Securities gains (losses) | $10,000 | 2,384 |
| Applicable income taxes | $4,519,000 | 656 |
| Income before extraordinary items | $11,134,000 | 542 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $11,134,000 | 542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $605,000 | 1,225 |
| Cash dividends | $3,779,000 | 797 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 630 |
| Net operating income | $11,126,900 | 541 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $35,418,000 | 903 |
| Total interest expense | $11,536,000 | 1,140 |
| Net interest income | $23,882,000 | 800 |
| Provision for loan and lease losses | $800,000 | 1,087 |
| Total noninterest income | $4,161,000 | 1,049 |
| Gross Fiduciary activities income | $1,208,000 | 477 |
| Service charges on deposit accounts | $2,229,000 | 617 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $724,000 | 2,273 |
| Total noninterest expense | $13,171,000 | 1,139 |
| Salaries and employee benefits | $6,275,000 | 1,082 |
| Premises and equipment expense | $1,327,000 | 1,565 |
| Additional noninterest expense | $5,569,000 | 1,076 |
| Pre-tax net operating income | $14,072,000 | 606 |
| Securities gains (losses) | $316,000 | 372 |
| Applicable income taxes | $4,021,000 | 677 |
| Income before extraordinary items | $10,367,000 | 538 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $10,367,000 | 538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $416,000 | 1,551 |
| Cash dividends | $3,436,000 | 732 |
| Sale, conversion, retirement of capital stock, net | $309,000 | 625 |
| Net operating income | $10,139,480 | 554 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $34,536,000 | 934 |
| Total interest expense | $12,431,000 | 1,084 |
| Net interest income | $22,105,000 | 852 |
| Provision for loan and lease losses | $900,000 | 1,396 |
| Total noninterest income | $3,588,000 | 1,273 |
| Gross Fiduciary activities income | $1,115,000 | 517 |
| Service charges on deposit accounts | $2,012,000 | 682 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $461,000 | 3,429 |
| Total noninterest expense | $12,812,000 | 1,204 |
| Salaries and employee benefits | $5,965,000 | 1,134 |
| Premises and equipment expense | $1,335,000 | 1,580 |
| Additional noninterest expense | $5,512,000 | 1,175 |
| Pre-tax net operating income | $11,981,000 | 606 |
| Securities gains (losses) | $714,000 | 699 |
| Applicable income taxes | $3,094,000 | 835 |
| Income before extraordinary items | $9,601,000 | 561 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $9,601,000 | 574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $748,000 | 1,379 |
| Cash dividends | $3,073,000 | 702 |
| Sale, conversion, retirement of capital stock, net | $320,000 | 691 |
| Net operating income | $9,058,360 | 545 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $34,673,000 | 1,058 |
| Total interest expense | $14,068,000 | 1,257 |
| Net interest income | $20,605,000 | 913 |
| Provision for loan and lease losses | $1,100,000 | 1,726 |
| Total noninterest income | $3,283,000 | 1,326 |
| Gross Fiduciary activities income | $1,067,000 | 537 |
| Service charges on deposit accounts | $1,843,000 | 719 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $373,000 | 3,867 |
| Total noninterest expense | $11,687,000 | 1,352 |
| Salaries and employee benefits | $5,437,000 | 1,229 |
| Premises and equipment expense | $1,276,000 | 1,665 |
| Additional noninterest expense | $4,974,000 | 1,329 |
| Pre-tax net operating income | $11,101,000 | 577 |
| Securities gains (losses) | $554,000 | 1,010 |
| Applicable income taxes | $2,707,000 | 854 |
| Income before extraordinary items | $8,948,000 | 537 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $8,948,000 | 539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $869,000 | 1,717 |
| Cash dividends | $2,734,000 | 650 |
| Sale, conversion, retirement of capital stock, net | $185,000 | 750 |
| Net operating income | $8,521,420 | 507 |
* 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.