Home > The Waurika National Bank > Income and Expense
The Waurika National Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $250,000 | 8,203 |
| Total interest expense | $113,000 | 8,020 |
| Net interest income | $137,000 | 8,250 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $46,000 | 6,779 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $43,000 | 5,092 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 7,909 |
| Total noninterest expense | $130,000 | 8,269 |
| Salaries and employee benefits | $72,000 | 8,252 |
| Premises and equipment expense | $13,000 | 8,175 |
| Additional noninterest expense | $45,000 | 8,092 |
| Pre-tax net operating income | $53,000 | 6,574 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $18,000 | 4,432 |
| Income before extraordinary items | $35,000 | 6,801 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $35,000 | 6,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $35,000 | 6,708 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,064,000 | 8,158 |
| Total interest expense | $478,000 | 7,979 |
| Net interest income | $586,000 | 8,205 |
| Provision for loan and lease losses | $-84,000 | 8,359 |
| Total noninterest income | $167,000 | 6,985 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $162,000 | 5,297 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $5,000 | 8,181 |
| Total noninterest expense | $608,000 | 8,215 |
| Salaries and employee benefits | $359,000 | 8,158 |
| Premises and equipment expense | $54,000 | 8,211 |
| Additional noninterest expense | $195,000 | 8,050 |
| Pre-tax net operating income | $229,000 | 6,794 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $58,000 | 4,847 |
| Income before extraordinary items | $171,000 | 6,884 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $171,000 | 6,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,999 |
| Cash dividends | $75,000 | 5,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $171,000 | 6,859 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $795,000 | 8,216 |
| Total interest expense | $354,000 | 8,044 |
| Net interest income | $441,000 | 8,261 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $115,000 | 7,150 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $112,000 | 5,447 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,000 | 8,269 |
| Total noninterest expense | $426,000 | 8,244 |
| Salaries and employee benefits | $249,000 | 8,201 |
| Premises and equipment expense | $40,000 | 8,214 |
| Additional noninterest expense | $137,000 | 8,085 |
| Pre-tax net operating income | $130,000 | 7,210 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $28,000 | 5,296 |
| Income before extraordinary items | $102,000 | 7,261 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $102,000 | 7,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,430 |
| Cash dividends | $75,000 | 4,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $102,000 | 7,246 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $509,000 | 8,306 |
| Total interest expense | $225,000 | 8,126 |
| Net interest income | $284,000 | 8,349 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $75,000 | 7,211 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $73,000 | 5,514 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,000 | 8,320 |
| Total noninterest expense | $283,000 | 8,296 |
| Salaries and employee benefits | $169,000 | 8,248 |
| Premises and equipment expense | $26,000 | 8,277 |
| Additional noninterest expense | $88,000 | 8,157 |
| Pre-tax net operating income | $76,000 | 7,381 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $9,000 | 5,709 |
| Income before extraordinary items | $67,000 | 7,357 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $67,000 | 7,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $75,000 | 4,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $67,000 | 7,348 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $255,000 | 8,364 |
| Total interest expense | $110,000 | 8,185 |
| Net interest income | $145,000 | 8,390 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $37,000 | 7,221 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $35,000 | 5,544 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,000 | 8,219 |
| Total noninterest expense | $143,000 | 8,338 |
| Salaries and employee benefits | $85,000 | 8,288 |
| Premises and equipment expense | $13,000 | 8,301 |
| Additional noninterest expense | $45,000 | 8,184 |
| Pre-tax net operating income | $39,000 | 7,430 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-3,000 | 8,197 |
| Income before extraordinary items | $42,000 | 7,271 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $42,000 | 7,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $75,000 | 3,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $42,000 | 7,263 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $971,000 | 8,297 |
| Total interest expense | $365,000 | 8,171 |
| Net interest income | $606,000 | 8,318 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $147,000 | 7,336 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $143,000 | 5,607 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,000 | 8,415 |
| Total noninterest expense | $605,000 | 8,308 |
| Salaries and employee benefits | $368,000 | 8,223 |
| Premises and equipment expense | $57,000 | 8,285 |
| Additional noninterest expense | $180,000 | 8,221 |
| Pre-tax net operating income | $148,000 | 7,559 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $61,000 | 5,319 |
| Income before extraordinary items | $87,000 | 7,718 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $87,000 | 7,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $87,000 | 7,709 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $712,000 | 8,381 |
| Total interest expense | $257,000 | 8,249 |
| Net interest income | $455,000 | 8,391 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $110,000 | 7,390 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $107,000 | 5,679 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,000 | 8,495 |
| Total noninterest expense | $432,000 | 8,373 |
| Salaries and employee benefits | $258,000 | 8,292 |
| Premises and equipment expense | $43,000 | 8,334 |
| Additional noninterest expense | $131,000 | 8,273 |
| Pre-tax net operating income | $133,000 | 7,701 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $42,000 | 5,539 |
| Income before extraordinary items | $91,000 | 7,772 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $91,000 | 7,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $91,000 | 7,774 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $473,000 | 8,428 |
| Total interest expense | $157,000 | 8,326 |
| Net interest income | $316,000 | 8,420 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $73,000 | 7,453 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $71,000 | 5,690 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,535 |
| Total noninterest expense | $286,000 | 8,419 |
| Salaries and employee benefits | $172,000 | 8,341 |
| Premises and equipment expense | $28,000 | 8,370 |
| Additional noninterest expense | $86,000 | 8,311 |
| Pre-tax net operating income | $103,000 | 7,677 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $30,000 | 5,570 |
| Income before extraordinary items | $73,000 | 7,739 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $73,000 | 7,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $73,000 | 7,745 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $234,000 | 8,448 |
| Total interest expense | $71,000 | 8,378 |
| Net interest income | $163,000 | 8,416 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $35,000 | 7,491 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $34,000 | 5,706 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $142,000 | 8,441 |
| Salaries and employee benefits | $86,000 | 8,367 |
| Premises and equipment expense | $14,000 | 8,354 |
| Additional noninterest expense | $42,000 | 8,346 |
| Pre-tax net operating income | $56,000 | 7,619 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $16,000 | 5,499 |
| Income before extraordinary items | $40,000 | 7,690 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $40,000 | 7,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $40,000 | 7,693 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $839,000 | 8,452 |
| Total interest expense | $228,000 | 8,386 |
| Net interest income | $611,000 | 8,435 |
| Provision for loan and lease losses | $12,000 | 6,720 |
| Total noninterest income | $158,000 | 7,423 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $155,000 | 5,561 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,000 | 8,603 |
| Total noninterest expense | $616,000 | 8,396 |
| Salaries and employee benefits | $376,000 | 8,283 |
| Premises and equipment expense | $59,000 | 8,359 |
| Additional noninterest expense | $181,000 | 8,337 |
| Pre-tax net operating income | $141,000 | 7,865 |
| Securities gains (losses) | $3,000 | 1,899 |
| Applicable income taxes | $38,000 | 6,027 |
| Income before extraordinary items | $106,000 | 7,956 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $106,000 | 7,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $50,000 | 5,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $103,780 | 7,940 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $610,000 | 8,510 |
| Total interest expense | $162,000 | 8,414 |
| Net interest income | $448,000 | 8,492 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $116,000 | 7,477 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $113,000 | 5,640 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,000 | 8,618 |
| Total noninterest expense | $433,000 | 8,446 |
| Salaries and employee benefits | $260,000 | 8,354 |
| Premises and equipment expense | $44,000 | 8,369 |
| Additional noninterest expense | $129,000 | 8,373 |
| Pre-tax net operating income | $122,000 | 7,936 |
| Securities gains (losses) | $3,000 | 1,906 |
| Applicable income taxes | $32,000 | 6,039 |
| Income before extraordinary items | $93,000 | 8,005 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $93,000 | 8,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $50,000 | 5,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $90,780 | 7,980 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $389,000 | 8,542 |
| Total interest expense | $100,000 | 8,442 |
| Net interest income | $289,000 | 8,527 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $78,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $76,000 | 5,593 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,000 | 8,611 |
| Total noninterest expense | $292,000 | 8,442 |
| Salaries and employee benefits | $176,000 | 8,350 |
| Premises and equipment expense | $29,000 | 8,382 |
| Additional noninterest expense | $87,000 | 8,352 |
| Pre-tax net operating income | $69,000 | 8,031 |
| Securities gains (losses) | $3,000 | 1,754 |
| Applicable income taxes | $15,000 | 6,238 |
| Income before extraordinary items | $57,000 | 8,058 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $57,000 | 8,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $54,630 | 8,039 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $192,000 | 8,627 |
| Total interest expense | $47,000 | 8,530 |
| Net interest income | $145,000 | 8,608 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $39,000 | 7,451 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $38,000 | 5,561 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $152,000 | 8,462 |
| Salaries and employee benefits | $93,000 | 8,357 |
| Premises and equipment expense | $14,000 | 8,464 |
| Additional noninterest expense | $45,000 | 8,379 |
| Pre-tax net operating income | $29,000 | 8,153 |
| Securities gains (losses) | $3,000 | 1,324 |
| Applicable income taxes | $4,000 | 6,466 |
| Income before extraordinary items | $28,000 | 8,124 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $28,000 | 8,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $25,390 | 8,141 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $726,000 | 8,630 |
| Total interest expense | $186,000 | 8,513 |
| Net interest income | $540,000 | 8,615 |
| Provision for loan and lease losses | $-14,000 | 8,682 |
| Total noninterest income | $156,000 | 7,554 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $152,000 | 5,752 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,000 | 8,722 |
| Total noninterest expense | $633,000 | 8,453 |
| Salaries and employee benefits | $408,000 | 8,276 |
| Premises and equipment expense | $61,000 | 8,469 |
| Additional noninterest expense | $164,000 | 8,518 |
| Pre-tax net operating income | $77,000 | 8,172 |
| Securities gains (losses) | $37,000 | 1,965 |
| Applicable income taxes | $26,000 | 6,429 |
| Income before extraordinary items | $88,000 | 8,153 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $88,000 | 8,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $50,000 | 5,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $59,510 | 8,206 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $536,000 | 8,687 |
| Total interest expense | $142,000 | 8,554 |
| Net interest income | $394,000 | 8,679 |
| Provision for loan and lease losses | $-17,000 | 8,791 |
| Total noninterest income | $118,000 | 7,583 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $115,000 | 5,785 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,783 |
| Total noninterest expense | $447,000 | 8,522 |
| Salaries and employee benefits | $282,000 | 8,369 |
| Premises and equipment expense | $45,000 | 8,490 |
| Additional noninterest expense | $120,000 | 8,545 |
| Pre-tax net operating income | $82,000 | 8,204 |
| Securities gains (losses) | $37,000 | 1,884 |
| Applicable income taxes | $28,000 | 6,342 |
| Income before extraordinary items | $91,000 | 8,128 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $91,000 | 8,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $20,000 | 5,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $62,880 | 8,225 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $355,000 | 8,739 |
| Total interest expense | $95,000 | 8,607 |
| Net interest income | $260,000 | 8,742 |
| Provision for loan and lease losses | $-20,000 | 8,885 |
| Total noninterest income | $81,000 | 7,572 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $79,000 | 5,743 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $298,000 | 8,571 |
| Salaries and employee benefits | $188,000 | 8,427 |
| Premises and equipment expense | $29,000 | 8,567 |
| Additional noninterest expense | $81,000 | 8,573 |
| Pre-tax net operating income | $63,000 | 8,167 |
| Securities gains (losses) | $34,000 | 1,708 |
| Applicable income taxes | $23,000 | 6,209 |
| Income before extraordinary items | $74,000 | 8,042 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $74,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $20,000 | 4,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $48,160 | 8,183 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $183,000 | 8,765 |
| Total interest expense | $50,000 | 8,626 |
| Net interest income | $133,000 | 8,766 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $43,000 | 7,478 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $42,000 | 5,572 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $147,000 | 8,632 |
| Salaries and employee benefits | $92,000 | 8,495 |
| Premises and equipment expense | $15,000 | 8,548 |
| Additional noninterest expense | $40,000 | 8,633 |
| Pre-tax net operating income | $26,000 | 8,239 |
| Securities gains (losses) | $10,000 | 2,045 |
| Applicable income taxes | $7,000 | 6,445 |
| Income before extraordinary items | $29,000 | 8,171 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $29,000 | 8,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $20,900 | 8,259 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $752,000 | 8,786 |
| Total interest expense | $234,000 | 8,653 |
| Net interest income | $518,000 | 8,794 |
| Provision for loan and lease losses | $74,000 | 5,763 |
| Total noninterest income | $132,000 | 7,984 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $127,000 | 6,184 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,000 | 8,909 |
| Total noninterest expense | $569,000 | 8,724 |
| Salaries and employee benefits | $344,000 | 8,607 |
| Premises and equipment expense | $67,000 | 8,532 |
| Additional noninterest expense | $158,000 | 8,709 |
| Pre-tax net operating income | $7,000 | 8,502 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-8,000 | 8,754 |
| Income before extraordinary items | $15,000 | 8,583 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $15,000 | 8,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-51,000 | 9,095 |
| Net operating income | $15,000 | 8,493 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $558,000 | 8,879 |
| Total interest expense | $178,000 | 8,749 |
| Net interest income | $380,000 | 8,883 |
| Provision for loan and lease losses | $20,000 | 6,734 |
| Total noninterest income | $96,000 | 8,074 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $92,000 | 6,274 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 8,966 |
| Total noninterest expense | $431,000 | 8,725 |
| Salaries and employee benefits | $267,000 | 8,576 |
| Premises and equipment expense | $50,000 | 8,563 |
| Additional noninterest expense | $114,000 | 8,777 |
| Pre-tax net operating income | $25,000 | 8,551 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $2,000 | 7,369 |
| Income before extraordinary items | $23,000 | 8,647 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $23,000 | 8,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $-51,000 | 9,159 |
| Net operating income | $23,000 | 8,544 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $372,000 | 8,924 |
| Total interest expense | $122,000 | 8,800 |
| Net interest income | $250,000 | 8,923 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $63,000 | 8,086 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $60,000 | 6,305 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $285,000 | 8,744 |
| Salaries and employee benefits | $176,000 | 8,610 |
| Premises and equipment expense | $33,000 | 8,592 |
| Additional noninterest expense | $76,000 | 8,784 |
| Pre-tax net operating income | $13,000 | 8,590 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $13,000 | 8,689 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $13,000 | 8,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $13,000 | 8,569 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $184,000 | 8,986 |
| Total interest expense | $61,000 | 8,874 |
| Net interest income | $123,000 | 8,983 |
| Provision for loan and lease losses | $8,000 | 6,296 |
| Total noninterest income | $30,000 | 8,154 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $28,000 | 6,375 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $141,000 | 8,808 |
| Salaries and employee benefits | $88,000 | 8,659 |
| Premises and equipment expense | $16,000 | 8,615 |
| Additional noninterest expense | $37,000 | 8,864 |
| Pre-tax net operating income | $4,000 | 8,650 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-2,000 | 8,998 |
| Income before extraordinary items | $6,000 | 8,683 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,000 | 8,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $6,000 | 8,578 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $853,000 | 8,959 |
| Total interest expense | $290,000 | 8,912 |
| Net interest income | $563,000 | 8,936 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $116,000 | 8,215 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $109,000 | 6,431 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 9,001 |
| Total noninterest expense | $570,000 | 8,841 |
| Salaries and employee benefits | $339,000 | 8,738 |
| Premises and equipment expense | $69,000 | 8,615 |
| Additional noninterest expense | $162,000 | 8,799 |
| Pre-tax net operating income | $79,000 | 8,373 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $19,000 | 7,067 |
| Income before extraordinary items | $60,000 | 8,510 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $60,000 | 8,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $50,000 | 5,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $60,000 | 8,422 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,006,000 | 9,147 |
| Total interest expense | $484,000 | 9,037 |
| Net interest income | $522,000 | 9,157 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $89,000 | 8,667 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $87,000 | 6,834 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,000 | 9,423 |
| Total noninterest expense | $557,000 | 9,040 |
| Salaries and employee benefits | $320,000 | 8,987 |
| Premises and equipment expense | $74,000 | 8,724 |
| Additional noninterest expense | $163,000 | 8,966 |
| Pre-tax net operating income | $24,000 | 8,635 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-1,000 | 8,922 |
| Income before extraordinary items | $25,000 | 8,708 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $25,000 | 8,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,555 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-402,000 | 9,550 |
| Net operating income | $25,000 | 8,619 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,054,000 | 9,357 |
| Total interest expense | $478,000 | 9,290 |
| Net interest income | $576,000 | 9,329 |
| Provision for loan and lease losses | $35,000 | 7,078 |
| Total noninterest income | $97,000 | 8,631 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 7,035 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 8,999 |
| Total noninterest expense | $551,000 | 9,255 |
| Salaries and employee benefits | $345,000 | 9,024 |
| Premises and equipment expense | $71,000 | 8,965 |
| Additional noninterest expense | $135,000 | 9,370 |
| Pre-tax net operating income | $87,000 | 8,846 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $14,000 | 7,972 |
| Income before extraordinary items | $73,000 | 8,865 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $73,000 | 8,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $40,000 | 6,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $73,000 | 8,848 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $865,000 | 9,727 |
| Total interest expense | $373,000 | 9,692 |
| Net interest income | $492,000 | 9,699 |
| Provision for loan and lease losses | $11,000 | 8,085 |
| Total noninterest income | $142,000 | 8,207 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 6,999 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 7,849 |
| Total noninterest expense | $526,000 | 9,550 |
| Salaries and employee benefits | $309,000 | 9,421 |
| Premises and equipment expense | $67,000 | 9,293 |
| Additional noninterest expense | $150,000 | 9,512 |
| Pre-tax net operating income | $97,000 | 9,089 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $18,000 | 8,260 |
| Income before extraordinary items | $79,000 | 9,099 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $79,000 | 9,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,236 |
| Cash dividends | $40,000 | 6,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $79,000 | 9,066 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $794,000 | 10,025 |
| Total interest expense | $350,000 | 9,979 |
| Net interest income | $444,000 | 10,020 |
| Provision for loan and lease losses | $61,000 | 6,101 |
| Total noninterest income | $83,000 | 9,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 7,566 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,789 |
| Total noninterest expense | $488,000 | 9,824 |
| Salaries and employee benefits | $283,000 | 9,707 |
| Premises and equipment expense | $68,000 | 9,397 |
| Additional noninterest expense | $137,000 | 9,782 |
| Pre-tax net operating income | $-22,000 | 9,836 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-3,000 | 9,985 |
| Income before extraordinary items | $-19,000 | 9,872 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-19,000 | 9,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,323 |
| Cash dividends | $40,000 | 7,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-19,000 | 9,830 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $812,000 | 10,466 |
| Total interest expense | $337,000 | 10,452 |
| Net interest income | $475,000 | 10,435 |
| Provision for loan and lease losses | $4,000 | 8,695 |
| Total noninterest income | $78,000 | 9,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,983 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 10,305 |
| Total noninterest expense | $456,000 | 10,301 |
| Salaries and employee benefits | $265,000 | 10,172 |
| Premises and equipment expense | $62,000 | 9,902 |
| Additional noninterest expense | $129,000 | 10,241 |
| Pre-tax net operating income | $93,000 | 10,094 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $22,000 | 9,683 |
| Income before extraordinary items | $73,000 | 10,121 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $73,000 | 10,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $40,000 | 7,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $71,460 | 10,088 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $781,000 | 11,038 |
| Total interest expense | $338,000 | 11,006 |
| Net interest income | $443,000 | 11,011 |
| Provision for loan and lease losses | $21,000 | 7,918 |
| Total noninterest income | $80,000 | 10,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 8,488 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 10,521 |
| Total noninterest expense | $453,000 | 10,782 |
| Salaries and employee benefits | $255,000 | 10,685 |
| Premises and equipment expense | $68,000 | 10,142 |
| Additional noninterest expense | $130,000 | 10,794 |
| Pre-tax net operating income | $49,000 | 10,606 |
| Securities gains (losses) | $20,000 | 2,000 |
| Applicable income taxes | $12,000 | 10,336 |
| Income before extraordinary items | $57,000 | 10,538 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $57,000 | 10,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $20,000 | 8,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $40,400 | 10,582 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $780,000 | 11,546 |
| Total interest expense | $318,000 | 11,541 |
| Net interest income | $462,000 | 11,489 |
| Provision for loan and lease losses | $4,000 | 8,753 |
| Total noninterest income | $72,000 | 10,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 8,893 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 11,437 |
| Total noninterest expense | $444,000 | 11,259 |
| Salaries and employee benefits | $247,000 | 11,176 |
| Premises and equipment expense | $62,000 | 10,713 |
| Additional noninterest expense | $135,000 | 11,244 |
| Pre-tax net operating income | $86,000 | 11,163 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $19,000 | 10,770 |
| Income before extraordinary items | $64,000 | 11,205 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $64,000 | 11,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $20,000 | 8,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $66,310 | 11,164 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $693,000 | 12,208 |
| Total interest expense | $252,000 | 12,206 |
| Net interest income | $441,000 | 12,154 |
| Provision for loan and lease losses | $4,000 | 8,908 |
| Total noninterest income | $67,000 | 11,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 9,408 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,149 |
| Total noninterest expense | $432,000 | 11,900 |
| Salaries and employee benefits | $223,000 | 11,900 |
| Premises and equipment expense | $60,000 | 11,299 |
| Additional noninterest expense | $149,000 | 11,802 |
| Pre-tax net operating income | $72,000 | 11,798 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $10,000 | 11,373 |
| Income before extraordinary items | $63,000 | 11,706 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $63,000 | 11,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,674 |
| Cash dividends | $10,000 | 8,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $62,140 | 11,759 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $692,000 | 12,820 |
| Total interest expense | $244,000 | 12,855 |
| Net interest income | $448,000 | 12,693 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $61,000 | 12,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 9,975 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,819 |
| Total noninterest expense | $406,000 | 12,618 |
| Salaries and employee benefits | $218,000 | 12,481 |
| Premises and equipment expense | $58,000 | 11,921 |
| Additional noninterest expense | $130,000 | 12,659 |
| Pre-tax net operating income | $3,000 | 12,380 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $7,000 | 11,895 |
| Income before extraordinary items | $-4,000 | 12,542 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-4,000 | 12,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 3,626 |
| Cash dividends | $10,000 | 8,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-4,000 | 12,409 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $791,000 | 13,364 |
| Total interest expense | $304,000 | 13,469 |
| Net interest income | $487,000 | 13,117 |
| Provision for loan and lease losses | $8,000 | 11,328 |
| Total noninterest income | $69,000 | 12,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,957 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 13,358 |
| Total noninterest expense | $410,000 | 13,118 |
| Salaries and employee benefits | $222,000 | 12,911 |
| Premises and equipment expense | $64,000 | 12,099 |
| Additional noninterest expense | $124,000 | 13,290 |
| Pre-tax net operating income | $138,000 | 11,641 |
| Securities gains (losses) | $12,000 | 6,245 |
| Applicable income taxes | $38,000 | 11,577 |
| Income before extraordinary items | $112,000 | 11,781 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $112,000 | 11,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 12,286 |
| Cash dividends | $10,000 | 8,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $103,000 | 11,599 |
* 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.