Home > Beach First National Bank > Income and Expense
Beach First National Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,371,000 | 1,517 |
| Total interest expense | $2,750,000 | 844 |
| Net interest income | $2,621,000 | 2,129 |
| Provision for loan and lease losses | $15,400,000 | 161 |
| Total noninterest income | $469,000 | 2,136 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $59,000 | 4,162 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $410,000 | 1,486 |
| Total noninterest expense | $5,259,000 | 945 |
| Salaries and employee benefits | $1,783,000 | 1,402 |
| Premises and equipment expense | $736,000 | 924 |
| Additional noninterest expense | $2,740,000 | 669 |
| Pre-tax net operating income | $-17,569,000 | 7,886 |
| Securities gains (losses) | $161,000 | 595 |
| Applicable income taxes | $1,000 | 4,457 |
| Income before extraordinary items | $-17,409,000 | 7,879 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-17,409,000 | 7,880 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-17,409,000 | 7,880 |
| Net charge-offs | $13,228,000 | 170 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-17,570,000 | 7,883 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $31,918,000 | 1,077 |
| Total interest expense | $16,878,000 | 681 |
| Net interest income | $15,040,000 | 1,495 |
| Provision for loan and lease losses | $33,500,000 | 336 |
| Total noninterest income | $8,116,000 | 760 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $223,000 | 4,440 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $7,893,000 | 524 |
| Total noninterest expense | $24,268,000 | 868 |
| Salaries and employee benefits | $9,998,000 | 980 |
| Premises and equipment expense | $2,503,000 | 1,089 |
| Additional noninterest expense | $11,767,000 | 691 |
| Pre-tax net operating income | $-34,612,000 | 7,821 |
| Securities gains (losses) | $506,000 | 876 |
| Applicable income taxes | $-4,591,000 | 7,744 |
| Income before extraordinary items | $-29,515,000 | 7,814 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-29,515,000 | 7,814 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-29,515,000 | 7,814 |
| Net charge-offs | $25,035,000 | 339 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-29,955,220 | 7,816 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $24,788,000 | 1,046 |
| Total interest expense | $13,601,000 | 674 |
| Net interest income | $11,187,000 | 1,507 |
| Provision for loan and lease losses | $23,700,000 | 350 |
| Total noninterest income | $6,585,000 | 712 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $159,000 | 4,562 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $6,426,000 | 498 |
| Total noninterest expense | $17,630,000 | 880 |
| Salaries and employee benefits | $7,846,000 | 953 |
| Premises and equipment expense | $1,896,000 | 1,091 |
| Additional noninterest expense | $7,888,000 | 726 |
| Pre-tax net operating income | $-23,558,000 | 7,895 |
| Securities gains (losses) | $159,000 | 1,463 |
| Applicable income taxes | $69,000 | 3,131 |
| Income before extraordinary items | $-23,468,000 | 7,910 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-23,468,000 | 7,910 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-23,468,000 | 7,910 |
| Net charge-offs | $17,359,000 | 345 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-23,627,000 | 7,910 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $16,904,000 | 1,043 |
| Total interest expense | $9,620,000 | 671 |
| Net interest income | $7,284,000 | 1,543 |
| Provision for loan and lease losses | $14,900,000 | 362 |
| Total noninterest income | $4,573,000 | 698 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $107,000 | 4,524 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $4,466,000 | 486 |
| Total noninterest expense | $12,008,000 | 882 |
| Salaries and employee benefits | $5,449,000 | 934 |
| Premises and equipment expense | $1,263,000 | 1,115 |
| Additional noninterest expense | $5,296,000 | 729 |
| Pre-tax net operating income | $-15,051,000 | 7,984 |
| Securities gains (losses) | $306,000 | 753 |
| Applicable income taxes | $-5,167,000 | 8,042 |
| Income before extraordinary items | $-9,578,000 | 7,940 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-9,578,000 | 7,939 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-9,578,000 | 7,939 |
| Net charge-offs | $10,509,000 | 364 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-9,776,900 | 7,947 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $8,600,000 | 1,029 |
| Total interest expense | $4,924,000 | 682 |
| Net interest income | $3,676,000 | 1,516 |
| Provision for loan and lease losses | $8,500,000 | 289 |
| Total noninterest income | $2,297,000 | 677 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $54,000 | 4,453 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $2,243,000 | 464 |
| Total noninterest expense | $4,970,000 | 1,015 |
| Salaries and employee benefits | $2,593,000 | 978 |
| Premises and equipment expense | $629,000 | 1,135 |
| Additional noninterest expense | $1,748,000 | 964 |
| Pre-tax net operating income | $-7,497,000 | 8,083 |
| Securities gains (losses) | $51,000 | 1,295 |
| Applicable income taxes | $-2,612,000 | 8,115 |
| Income before extraordinary items | $-4,834,000 | 8,055 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,834,000 | 8,055 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-4,834,000 | 8,055 |
| Net charge-offs | $7,434,000 | 244 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,867,150 | 8,053 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $41,336,000 | 910 |
| Total interest expense | $21,253,000 | 745 |
| Net interest income | $20,083,000 | 1,082 |
| Provision for loan and lease losses | $10,491,000 | 573 |
| Total noninterest income | $4,990,000 | 1,051 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $315,000 | 3,928 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $4,675,000 | 694 |
| Total noninterest expense | $19,507,000 | 1,017 |
| Salaries and employee benefits | $9,060,000 | 1,088 |
| Premises and equipment expense | $2,588,000 | 1,083 |
| Additional noninterest expense | $7,859,000 | 836 |
| Pre-tax net operating income | $-4,925,000 | 7,796 |
| Securities gains (losses) | $23,000 | 2,091 |
| Applicable income taxes | $-2,031,000 | 7,921 |
| Income before extraordinary items | $-2,871,000 | 7,585 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,871,000 | 7,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,784,000 | 450 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,885,720 | 7,659 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $31,835,000 | 918 |
| Total interest expense | $16,137,000 | 764 |
| Net interest income | $15,698,000 | 1,051 |
| Provision for loan and lease losses | $2,291,000 | 1,080 |
| Total noninterest income | $4,099,000 | 1,022 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $262,000 | 3,753 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,837,000 | 685 |
| Total noninterest expense | $14,737,000 | 1,005 |
| Salaries and employee benefits | $6,898,000 | 1,099 |
| Premises and equipment expense | $1,974,000 | 1,061 |
| Additional noninterest expense | $5,865,000 | 792 |
| Pre-tax net operating income | $2,769,000 | 1,762 |
| Securities gains (losses) | $21,000 | 1,979 |
| Applicable income taxes | $791,000 | 1,379 |
| Income before extraordinary items | $1,999,000 | 1,779 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,999,000 | 1,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,564,000 | 984 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,983,880 | 1,885 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $21,453,000 | 923 |
| Total interest expense | $10,960,000 | 779 |
| Net interest income | $10,493,000 | 1,044 |
| Provision for loan and lease losses | $1,314,000 | 1,030 |
| Total noninterest income | $2,521,000 | 1,106 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $209,000 | 3,394 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,312,000 | 761 |
| Total noninterest expense | $9,402,000 | 1,043 |
| Salaries and employee benefits | $4,465,000 | 1,139 |
| Premises and equipment expense | $1,319,000 | 1,058 |
| Additional noninterest expense | $3,618,000 | 831 |
| Pre-tax net operating income | $2,298,000 | 1,493 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $679,000 | 1,259 |
| Income before extraordinary items | $1,619,000 | 1,672 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,619,000 | 1,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $604,000 | 1,166 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,619,000 | 1,640 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $11,226,000 | 902 |
| Total interest expense | $5,769,000 | 790 |
| Net interest income | $5,457,000 | 981 |
| Provision for loan and lease losses | $746,000 | 766 |
| Total noninterest income | $1,209,000 | 1,143 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $154,000 | 2,562 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,055,000 | 822 |
| Total noninterest expense | $4,349,000 | 1,119 |
| Salaries and employee benefits | $2,095,000 | 1,242 |
| Premises and equipment expense | $628,000 | 1,123 |
| Additional noninterest expense | $1,626,000 | 882 |
| Pre-tax net operating income | $1,571,000 | 1,203 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $492,000 | 1,023 |
| Income before extraordinary items | $1,079,000 | 1,392 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,079,000 | 1,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 1,420 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,079,000 | 1,354 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $45,072,000 | 931 |
| Total interest expense | $21,472,000 | 923 |
| Net interest income | $23,600,000 | 931 |
| Provision for loan and lease losses | $2,046,000 | 830 |
| Total noninterest income | $7,002,000 | 835 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $569,000 | 2,784 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $6,433,000 | 559 |
| Total noninterest expense | $18,575,000 | 1,008 |
| Salaries and employee benefits | $9,399,000 | 1,062 |
| Premises and equipment expense | $2,719,000 | 950 |
| Additional noninterest expense | $6,457,000 | 878 |
| Pre-tax net operating income | $9,981,000 | 853 |
| Securities gains (losses) | $8,000 | 1,417 |
| Applicable income taxes | $3,340,000 | 736 |
| Income before extraordinary items | $6,649,000 | 984 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,649,000 | 982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $948,000 | 1,067 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,643,640 | 970 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $33,658,000 | 938 |
| Total interest expense | $15,821,000 | 943 |
| Net interest income | $17,837,000 | 932 |
| Provision for loan and lease losses | $951,000 | 940 |
| Total noninterest income | $5,788,000 | 772 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $427,000 | 2,774 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $5,361,000 | 522 |
| Total noninterest expense | $14,125,000 | 983 |
| Salaries and employee benefits | $7,207,000 | 1,038 |
| Premises and equipment expense | $2,078,000 | 930 |
| Additional noninterest expense | $4,840,000 | 846 |
| Pre-tax net operating income | $8,549,000 | 808 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,833,000 | 726 |
| Income before extraordinary items | $5,716,000 | 906 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,716,000 | 904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $392,000 | 1,277 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,716,000 | 891 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $22,012,000 | 972 |
| Total interest expense | $10,286,000 | 969 |
| Net interest income | $11,726,000 | 961 |
| Provision for loan and lease losses | $672,000 | 799 |
| Total noninterest income | $4,166,000 | 743 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $278,000 | 2,817 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,888,000 | 512 |
| Total noninterest expense | $9,674,000 | 977 |
| Salaries and employee benefits | $5,155,000 | 978 |
| Premises and equipment expense | $1,360,000 | 957 |
| Additional noninterest expense | $3,159,000 | 888 |
| Pre-tax net operating income | $5,546,000 | 872 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,831,000 | 785 |
| Income before extraordinary items | $3,715,000 | 964 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,715,000 | 963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 1,444 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,715,000 | 951 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,674,000 | 998 |
| Total interest expense | $4,952,000 | 996 |
| Net interest income | $5,722,000 | 974 |
| Provision for loan and lease losses | $351,000 | 696 |
| Total noninterest income | $2,137,000 | 717 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $135,000 | 2,824 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,002,000 | 495 |
| Total noninterest expense | $4,787,000 | 978 |
| Salaries and employee benefits | $2,733,000 | 932 |
| Premises and equipment expense | $665,000 | 988 |
| Additional noninterest expense | $1,389,000 | 988 |
| Pre-tax net operating income | $2,721,000 | 864 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $893,000 | 792 |
| Income before extraordinary items | $1,828,000 | 959 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,828,000 | 958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,691 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,828,000 | 947 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $36,459,000 | 1,083 |
| Total interest expense | $15,438,000 | 1,087 |
| Net interest income | $21,021,000 | 1,054 |
| Provision for loan and lease losses | $2,174,000 | 521 |
| Total noninterest income | $4,169,000 | 1,257 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $514,000 | 2,993 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,655,000 | 866 |
| Total noninterest expense | $12,724,000 | 1,401 |
| Salaries and employee benefits | $7,158,000 | 1,360 |
| Premises and equipment expense | $1,937,000 | 1,336 |
| Additional noninterest expense | $3,629,000 | 1,461 |
| Pre-tax net operating income | $10,292,000 | 953 |
| Securities gains (losses) | $-57,000 | 7,993 |
| Applicable income taxes | $3,502,000 | 833 |
| Income before extraordinary items | $6,733,000 | 1,110 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,733,000 | 1,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $650,000 | 954 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,770,620 | 1,089 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $25,801,000 | 1,153 |
| Total interest expense | $10,733,000 | 1,142 |
| Net interest income | $15,068,000 | 1,121 |
| Provision for loan and lease losses | $1,779,000 | 451 |
| Total noninterest income | $2,657,000 | 1,436 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $382,000 | 3,034 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,275,000 | 1,002 |
| Total noninterest expense | $8,728,000 | 1,543 |
| Salaries and employee benefits | $4,968,000 | 1,501 |
| Premises and equipment expense | $1,199,000 | 1,613 |
| Additional noninterest expense | $2,561,000 | 1,543 |
| Pre-tax net operating income | $7,218,000 | 1,061 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,460,000 | 916 |
| Income before extraordinary items | $4,758,000 | 1,196 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,758,000 | 1,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $472,000 | 845 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,758,000 | 1,187 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $16,111,000 | 1,209 |
| Total interest expense | $6,645,000 | 1,166 |
| Net interest income | $9,466,000 | 1,196 |
| Provision for loan and lease losses | $1,187,000 | 436 |
| Total noninterest income | $1,346,000 | 1,792 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $262,000 | 2,964 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,084,000 | 1,280 |
| Total noninterest expense | $5,257,000 | 1,704 |
| Salaries and employee benefits | $2,923,000 | 1,686 |
| Premises and equipment expense | $723,000 | 1,751 |
| Additional noninterest expense | $1,611,000 | 1,640 |
| Pre-tax net operating income | $4,368,000 | 1,163 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,481,000 | 1,007 |
| Income before extraordinary items | $2,887,000 | 1,300 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,887,000 | 1,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 1,031 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,887,000 | 1,280 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,551,000 | 1,259 |
| Total interest expense | $3,090,000 | 1,188 |
| Net interest income | $4,461,000 | 1,280 |
| Provision for loan and lease losses | $522,000 | 461 |
| Total noninterest income | $349,000 | 2,789 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $128,000 | 2,944 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $221,000 | 2,348 |
| Total noninterest expense | $2,274,000 | 1,955 |
| Salaries and employee benefits | $1,258,000 | 1,951 |
| Premises and equipment expense | $351,000 | 1,802 |
| Additional noninterest expense | $665,000 | 1,955 |
| Pre-tax net operating income | $2,014,000 | 1,223 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $680,000 | 1,075 |
| Income before extraordinary items | $1,334,000 | 1,377 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,334,000 | 1,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,334,000 | 1,353 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,121,000 | 1,604 |
| Total interest expense | $6,785,000 | 1,676 |
| Net interest income | $14,336,000 | 1,530 |
| Provision for loan and lease losses | $2,184,000 | 494 |
| Total noninterest income | $1,246,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $550,000 | 2,844 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $696,000 | 2,783 |
| Total noninterest expense | $8,005,000 | 2,082 |
| Salaries and employee benefits | $4,387,000 | 2,100 |
| Premises and equipment expense | $1,344,000 | 1,794 |
| Additional noninterest expense | $2,274,000 | 2,205 |
| Pre-tax net operating income | $5,393,000 | 1,731 |
| Securities gains (losses) | $-3,000 | 7,152 |
| Applicable income taxes | $1,798,000 | 1,482 |
| Income before extraordinary items | $3,592,000 | 1,910 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,592,000 | 1,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 2,022 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,594,010 | 1,889 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,581,000 | 1,693 |
| Total interest expense | $4,498,000 | 1,782 |
| Net interest income | $10,083,000 | 1,618 |
| Provision for loan and lease losses | $1,643,000 | 468 |
| Total noninterest income | $920,000 | 3,097 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $407,000 | 2,879 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $513,000 | 2,831 |
| Total noninterest expense | $5,746,000 | 2,155 |
| Salaries and employee benefits | $3,126,000 | 2,179 |
| Premises and equipment expense | $1,001,000 | 1,801 |
| Additional noninterest expense | $1,619,000 | 2,279 |
| Pre-tax net operating income | $3,614,000 | 1,936 |
| Securities gains (losses) | $-3,000 | 7,524 |
| Applicable income taxes | $1,201,000 | 1,652 |
| Income before extraordinary items | $2,410,000 | 2,136 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,410,000 | 2,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 1,795 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,412,010 | 2,100 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,873,000 | 1,786 |
| Total interest expense | $2,753,000 | 1,828 |
| Net interest income | $6,120,000 | 1,759 |
| Provision for loan and lease losses | $1,099,000 | 460 |
| Total noninterest income | $614,000 | 3,041 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $282,000 | 2,738 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $332,000 | 2,885 |
| Total noninterest expense | $3,681,000 | 2,232 |
| Salaries and employee benefits | $1,977,000 | 2,280 |
| Premises and equipment expense | $655,000 | 1,828 |
| Additional noninterest expense | $1,049,000 | 2,324 |
| Pre-tax net operating income | $1,954,000 | 2,229 |
| Securities gains (losses) | $10,000 | 1,355 |
| Applicable income taxes | $649,000 | 1,892 |
| Income before extraordinary items | $1,315,000 | 2,465 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,315,000 | 2,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,505 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,308,300 | 2,442 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,057,000 | 1,913 |
| Total interest expense | $1,211,000 | 1,954 |
| Net interest income | $2,846,000 | 1,884 |
| Provision for loan and lease losses | $500,000 | 469 |
| Total noninterest income | $300,000 | 3,054 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $140,000 | 2,694 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $160,000 | 2,858 |
| Total noninterest expense | $1,823,000 | 2,275 |
| Salaries and employee benefits | $966,000 | 2,359 |
| Premises and equipment expense | $325,000 | 1,847 |
| Additional noninterest expense | $532,000 | 2,291 |
| Pre-tax net operating income | $823,000 | 2,514 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $279,000 | 2,091 |
| Income before extraordinary items | $544,000 | 2,834 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $544,000 | 2,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $544,000 | 2,783 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,592,000 | 2,476 |
| Total interest expense | $3,224,000 | 2,469 |
| Net interest income | $8,368,000 | 2,444 |
| Provision for loan and lease losses | $1,340,000 | 803 |
| Total noninterest income | $1,067,000 | 3,390 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $536,000 | 2,978 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $531,000 | 3,211 |
| Total noninterest expense | $5,756,000 | 2,758 |
| Salaries and employee benefits | $3,058,000 | 2,794 |
| Premises and equipment expense | $949,000 | 2,404 |
| Additional noninterest expense | $1,749,000 | 2,727 |
| Pre-tax net operating income | $2,339,000 | 3,165 |
| Securities gains (losses) | $37,000 | 1,965 |
| Applicable income taxes | $845,000 | 2,437 |
| Income before extraordinary items | $1,531,000 | 3,583 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,531,000 | 3,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $678,000 | 1,046 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,507,320 | 3,570 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,102,000 | 2,596 |
| Total interest expense | $2,211,000 | 2,621 |
| Net interest income | $5,891,000 | 2,556 |
| Provision for loan and lease losses | $838,000 | 919 |
| Total noninterest income | $791,000 | 3,435 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $392,000 | 3,058 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $399,000 | 3,192 |
| Total noninterest expense | $4,191,000 | 2,800 |
| Salaries and employee benefits | $2,201,000 | 2,874 |
| Premises and equipment expense | $691,000 | 2,447 |
| Additional noninterest expense | $1,299,000 | 2,708 |
| Pre-tax net operating income | $1,653,000 | 3,363 |
| Securities gains (losses) | $37,000 | 1,884 |
| Applicable income taxes | $611,000 | 2,542 |
| Income before extraordinary items | $1,079,000 | 3,829 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,079,000 | 3,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 926 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,055,320 | 3,806 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,011,000 | 2,781 |
| Total interest expense | $1,335,000 | 2,824 |
| Net interest income | $3,676,000 | 2,705 |
| Provision for loan and lease losses | $508,000 | 974 |
| Total noninterest income | $513,000 | 3,511 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $264,000 | 3,007 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $249,000 | 3,327 |
| Total noninterest expense | $2,648,000 | 2,937 |
| Salaries and employee benefits | $1,407,000 | 3,003 |
| Premises and equipment expense | $430,000 | 2,607 |
| Additional noninterest expense | $811,000 | 2,905 |
| Pre-tax net operating income | $1,033,000 | 3,459 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $382,000 | 2,644 |
| Income before extraordinary items | $651,000 | 4,017 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $651,000 | 4,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 1,477 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $651,000 | 3,935 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,392,000 | 2,914 |
| Total interest expense | $664,000 | 2,876 |
| Net interest income | $1,728,000 | 2,876 |
| Provision for loan and lease losses | $215,000 | 1,093 |
| Total noninterest income | $247,000 | 3,551 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $131,000 | 2,956 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $116,000 | 3,401 |
| Total noninterest expense | $1,272,000 | 3,049 |
| Salaries and employee benefits | $678,000 | 3,116 |
| Premises and equipment expense | $216,000 | 2,624 |
| Additional noninterest expense | $378,000 | 3,057 |
| Pre-tax net operating income | $488,000 | 3,588 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $180,000 | 2,752 |
| Income before extraordinary items | $308,000 | 4,197 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $308,000 | 4,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $308,000 | 4,077 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,494,000 | 3,261 |
| Total interest expense | $2,496,000 | 3,342 |
| Net interest income | $5,998,000 | 3,189 |
| Provision for loan and lease losses | $713,000 | 1,601 |
| Total noninterest income | $944,000 | 3,833 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $491,000 | 3,130 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $453,000 | 3,749 |
| Total noninterest expense | $4,770,000 | 3,167 |
| Salaries and employee benefits | $2,476,000 | 3,288 |
| Premises and equipment expense | $789,000 | 2,798 |
| Additional noninterest expense | $1,505,000 | 3,072 |
| Pre-tax net operating income | $1,459,000 | 4,194 |
| Securities gains (losses) | $135,000 | 1,630 |
| Applicable income taxes | $590,000 | 3,094 |
| Income before extraordinary items | $1,004,000 | 4,641 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,004,000 | 4,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,648 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $917,600 | 4,721 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,175,000 | 3,402 |
| Total interest expense | $1,887,000 | 3,435 |
| Net interest income | $4,288,000 | 3,331 |
| Provision for loan and lease losses | $566,000 | 1,496 |
| Total noninterest income | $697,000 | 3,954 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $364,000 | 3,173 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $333,000 | 3,866 |
| Total noninterest expense | $3,488,000 | 3,244 |
| Salaries and employee benefits | $1,805,000 | 3,359 |
| Premises and equipment expense | $584,000 | 2,844 |
| Additional noninterest expense | $1,099,000 | 3,130 |
| Pre-tax net operating income | $931,000 | 4,746 |
| Securities gains (losses) | $135,000 | 1,497 |
| Applicable income taxes | $394,000 | 3,442 |
| Income before extraordinary items | $672,000 | 5,095 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $672,000 | 5,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 1,964 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $585,600 | 5,274 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,908,000 | 3,577 |
| Total interest expense | $1,265,000 | 3,513 |
| Net interest income | $2,643,000 | 3,543 |
| Provision for loan and lease losses | $291,000 | 1,908 |
| Total noninterest income | $447,000 | 3,994 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $247,000 | 3,089 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $200,000 | 4,036 |
| Total noninterest expense | $2,278,000 | 3,305 |
| Salaries and employee benefits | $1,181,000 | 3,412 |
| Premises and equipment expense | $387,000 | 2,851 |
| Additional noninterest expense | $710,000 | 3,196 |
| Pre-tax net operating income | $521,000 | 5,218 |
| Securities gains (losses) | $135,000 | 1,296 |
| Applicable income taxes | $243,000 | 3,605 |
| Income before extraordinary items | $413,000 | 5,310 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $413,000 | 5,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,695 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $326,600 | 5,692 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,844,000 | 3,751 |
| Total interest expense | $611,000 | 3,690 |
| Net interest income | $1,233,000 | 3,733 |
| Provision for loan and lease losses | $68,000 | 3,104 |
| Total noninterest income | $209,000 | 4,050 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $121,000 | 3,055 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $88,000 | 4,169 |
| Total noninterest expense | $1,126,000 | 3,326 |
| Salaries and employee benefits | $582,000 | 3,450 |
| Premises and equipment expense | $195,000 | 2,816 |
| Additional noninterest expense | $349,000 | 3,200 |
| Pre-tax net operating income | $248,000 | 5,307 |
| Securities gains (losses) | $74,000 | 1,165 |
| Applicable income taxes | $119,000 | 3,639 |
| Income before extraordinary items | $203,000 | 5,294 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $203,000 | 5,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $155,640 | 5,743 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,374,000 | 4,378 |
| Total interest expense | $2,142,000 | 4,590 |
| Net interest income | $4,232,000 | 4,170 |
| Provision for loan and lease losses | $539,000 | 2,272 |
| Total noninterest income | $730,000 | 4,215 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $420,000 | 3,412 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $310,000 | 4,188 |
| Total noninterest expense | $3,303,000 | 4,145 |
| Salaries and employee benefits | $1,744,000 | 4,189 |
| Premises and equipment expense | $553,000 | 3,651 |
| Additional noninterest expense | $1,006,000 | 4,159 |
| Pre-tax net operating income | $1,120,000 | 4,900 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $414,000 | 3,819 |
| Income before extraordinary items | $706,000 | 5,538 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $706,000 | 5,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,950 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $706,000 | 5,397 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,713,000 | 5,151 |
| Total interest expense | $2,730,000 | 5,078 |
| Net interest income | $2,983,000 | 5,098 |
| Provision for loan and lease losses | $467,000 | 2,338 |
| Total noninterest income | $380,000 | 5,823 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $296,000 | 4,191 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $84,000 | 6,788 |
| Total noninterest expense | $2,367,000 | 5,146 |
| Salaries and employee benefits | $1,297,000 | 5,039 |
| Premises and equipment expense | $340,000 | 5,136 |
| Additional noninterest expense | $730,000 | 5,119 |
| Pre-tax net operating income | $529,000 | 6,446 |
| Securities gains (losses) | $-11,000 | 9,304 |
| Applicable income taxes | $72,000 | 6,376 |
| Income before extraordinary items | $446,000 | 6,330 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $446,000 | 6,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 3,001 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $455,460 | 6,167 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,593,000 | 6,026 |
| Total interest expense | $2,450,000 | 5,627 |
| Net interest income | $2,143,000 | 6,359 |
| Provision for loan and lease losses | $251,000 | 3,220 |
| Total noninterest income | $302,000 | 6,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $268,000 | 4,336 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,376 |
| Total noninterest expense | $1,820,000 | 6,025 |
| Salaries and employee benefits | $978,000 | 6,014 |
| Premises and equipment expense | $206,000 | 6,674 |
| Additional noninterest expense | $636,000 | 5,557 |
| Pre-tax net operating income | $374,000 | 7,582 |
| Securities gains (losses) | $-9,000 | 8,282 |
| Applicable income taxes | $141,000 | 6,033 |
| Income before extraordinary items | $224,000 | 7,937 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $224,000 | 7,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,734 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $229,760 | 7,906 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,100,000 | 7,260 |
| Total interest expense | $1,458,000 | 7,080 |
| Net interest income | $1,642,000 | 7,303 |
| Provision for loan and lease losses | $154,000 | 4,195 |
| Total noninterest income | $188,000 | 7,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 5,672 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 8,963 |
| Total noninterest expense | $1,575,000 | 6,582 |
| Salaries and employee benefits | $790,000 | 6,797 |
| Premises and equipment expense | $239,000 | 6,199 |
| Additional noninterest expense | $546,000 | 6,177 |
| Pre-tax net operating income | $101,000 | 9,070 |
| Securities gains (losses) | $-31,000 | 9,673 |
| Applicable income taxes | $28,000 | 8,057 |
| Income before extraordinary items | $42,000 | 9,279 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $42,000 | 9,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,892 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $61,840 | 9,159 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,255,000 | 8,374 |
| Total interest expense | $1,154,000 | 8,019 |
| Net interest income | $1,101,000 | 8,574 |
| Provision for loan and lease losses | $273,000 | 2,834 |
| Total noninterest income | $149,000 | 8,247 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 6,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,525 |
| Total noninterest expense | $1,259,000 | 7,382 |
| Salaries and employee benefits | $613,000 | 7,683 |
| Premises and equipment expense | $226,000 | 6,324 |
| Additional noninterest expense | $420,000 | 7,055 |
| Pre-tax net operating income | $-282,000 | 10,053 |
| Securities gains (losses) | $-11,000 | 10,204 |
| Applicable income taxes | $-71,000 | 10,173 |
| Income before extraordinary items | $-222,000 | 10,065 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-222,000 | 10,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,628 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-213,640 | 10,033 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,194,000 | 10,072 |
| Total interest expense | $515,000 | 10,062 |
| Net interest income | $679,000 | 9,995 |
| Provision for loan and lease losses | $153,000 | 4,084 |
| Total noninterest income | $38,000 | 10,463 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 8,979 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 10,359 |
| Total noninterest expense | $966,000 | 8,465 |
| Salaries and employee benefits | $480,000 | 8,748 |
| Premises and equipment expense | $147,000 | 7,862 |
| Additional noninterest expense | $339,000 | 7,911 |
| Pre-tax net operating income | $-402,000 | 10,700 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $-136,000 | 10,746 |
| Income before extraordinary items | $-262,000 | 10,645 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-262,000 | 10,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-264,640 | 10,623 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $132,000 | 11,400 |
| Total interest expense | $31,000 | 11,384 |
| Net interest income | $101,000 | 11,393 |
| Provision for loan and lease losses | $17,000 | 8,136 |
| Total noninterest income | $1,000 | 11,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 11,390 |
| Total noninterest expense | $309,000 | 11,206 |
| Salaries and employee benefits | $170,000 | 11,160 |
| Premises and equipment expense | $38,000 | 10,966 |
| Additional noninterest expense | $101,000 | 11,082 |
| Pre-tax net operating income | $-224,000 | 11,088 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-223,000 | 11,125 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-223,000 | 11,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $6,300,000 | 103 |
| Net operating income | $-224,000 | 11,085 |
* 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.