FSGBank, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,902,000 | 2,472 |
| Total interest expense | $2,144,000 | 2,224 |
| Net interest income | $3,758,000 | 2,580 |
| Provision for loan and lease losses | $355,000 | 1,569 |
| Total noninterest income | $1,208,000 | 2,049 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $416,000 | 2,022 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $792,000 | 1,797 |
| Total noninterest expense | $3,657,000 | 2,151 |
| Salaries and employee benefits | $1,559,000 | 2,693 |
| Premises and equipment expense | $422,000 | 2,639 |
| Additional noninterest expense | $1,676,000 | 1,465 |
| Pre-tax net operating income | $954,000 | 3,624 |
| Securities gains (losses) | $24,000 | 2,506 |
| Applicable income taxes | $366,000 | 2,873 |
| Income before extraordinary items | $612,000 | 4,234 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $612,000 | 4,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 1,496 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $596,640 | 4,108 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,397,000 | 3,018 |
| Total interest expense | $877,000 | 2,700 |
| Net interest income | $1,520,000 | 3,140 |
| Provision for loan and lease losses | $285,000 | 1,003 |
| Total noninterest income | $502,000 | 2,278 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $155,000 | 2,520 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $347,000 | 1,913 |
| Total noninterest expense | $1,481,000 | 2,616 |
| Salaries and employee benefits | $636,000 | 3,199 |
| Premises and equipment expense | $148,000 | 3,521 |
| Additional noninterest expense | $697,000 | 1,691 |
| Pre-tax net operating income | $256,000 | 5,213 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $78,000 | 4,407 |
| Income before extraordinary items | $178,000 | 5,620 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $178,000 | 5,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 1,181 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $178,000 | 5,425 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,968,000 | 3,027 |
| Total interest expense | $3,934,000 | 2,794 |
| Net interest income | $6,034,000 | 3,124 |
| Provision for loan and lease losses | $777,000 | 1,682 |
| Total noninterest income | $1,664,000 | 2,444 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $719,000 | 2,202 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $945,000 | 2,264 |
| Total noninterest expense | $4,686,000 | 3,097 |
| Salaries and employee benefits | $2,384,000 | 3,243 |
| Premises and equipment expense | $618,000 | 3,330 |
| Additional noninterest expense | $1,684,000 | 2,680 |
| Pre-tax net operating income | $2,235,000 | 3,150 |
| Securities gains (losses) | $40,000 | 2,603 |
| Applicable income taxes | $834,000 | 2,516 |
| Income before extraordinary items | $1,441,000 | 3,605 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,441,000 | 3,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $592,000 | 1,450 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,415,400 | 3,549 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,672,000 | 3,411 |
| Total interest expense | $5,099,000 | 3,103 |
| Net interest income | $4,573,000 | 3,699 |
| Provision for loan and lease losses | $772,000 | 1,543 |
| Total noninterest income | $1,166,000 | 2,984 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $682,000 | 2,190 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $484,000 | 3,181 |
| Total noninterest expense | $4,435,000 | 3,118 |
| Salaries and employee benefits | $2,122,000 | 3,419 |
| Premises and equipment expense | $559,000 | 3,568 |
| Additional noninterest expense | $1,754,000 | 2,530 |
| Pre-tax net operating income | $532,000 | 6,433 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $255,000 | 4,582 |
| Income before extraordinary items | $277,000 | 7,270 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $277,000 | 7,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,421 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $277,000 | 7,154 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,030,000 | 3,716 |
| Total interest expense | $4,800,000 | 3,441 |
| Net interest income | $4,230,000 | 3,994 |
| Provision for loan and lease losses | $55,000 | 6,399 |
| Total noninterest income | $780,000 | 3,718 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $640,000 | 2,162 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 5,650 |
| Total noninterest expense | $3,829,000 | 3,443 |
| Salaries and employee benefits | $1,556,000 | 4,230 |
| Premises and equipment expense | $491,000 | 3,841 |
| Additional noninterest expense | $1,782,000 | 2,407 |
| Pre-tax net operating income | $1,126,000 | 4,916 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $427,000 | 3,850 |
| Income before extraordinary items | $698,000 | 5,432 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $698,000 | 5,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,979 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $698,640 | 5,431 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,206,000 | 8,252 |
| Total interest expense | $956,000 | 8,291 |
| Net interest income | $1,250,000 | 8,092 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $176,000 | 7,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 5,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 9,434 |
| Total noninterest expense | $1,653,000 | 6,399 |
| Salaries and employee benefits | $640,000 | 7,544 |
| Premises and equipment expense | $111,000 | 8,406 |
| Additional noninterest expense | $902,000 | 4,373 |
| Pre-tax net operating income | $-227,000 | 9,652 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-86,000 | 9,898 |
| Income before extraordinary items | $-141,000 | 9,612 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-141,000 | 9,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,548 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $14,300,000 | 47 |
| Net operating income | $-141,000 | 9,589 |
* 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.