Home > Georgia Trust Bank > Income and Expense
Georgia Trust Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,819,000 | 5,209 |
| Total interest expense | $733,000 | 2,948 |
| Net interest income | $1,086,000 | 5,860 |
| Provision for loan and lease losses | $276,000 | 2,553 |
| Total noninterest income | $-646,000 | 7,201 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $15,000 | 6,650 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-661,000 | 7,181 |
| Total noninterest expense | $1,508,000 | 4,795 |
| Salaries and employee benefits | $692,000 | 5,115 |
| Premises and equipment expense | $163,000 | 4,861 |
| Additional noninterest expense | $653,000 | 4,189 |
| Pre-tax net operating income | $-1,344,000 | 7,024 |
| Securities gains (losses) | $95,000 | 1,637 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-1,249,000 | 7,035 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,249,000 | 7,034 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,249,000 | 7,035 |
| Net charge-offs | $593,000 | 1,608 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-1,344,000 | 7,034 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $941,000 | 5,176 |
| Total interest expense | $386,000 | 2,936 |
| Net interest income | $555,000 | 5,849 |
| Provision for loan and lease losses | $93,000 | 2,975 |
| Total noninterest income | $-571,000 | 7,282 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $8,000 | 6,658 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-579,000 | 7,279 |
| Total noninterest expense | $772,000 | 4,761 |
| Salaries and employee benefits | $351,000 | 5,121 |
| Premises and equipment expense | $86,000 | 4,752 |
| Additional noninterest expense | $335,000 | 4,100 |
| Pre-tax net operating income | $-881,000 | 7,144 |
| Securities gains (losses) | $52,000 | 1,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-829,000 | 7,150 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-829,000 | 7,148 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-829,000 | 7,150 |
| Net charge-offs | $94,000 | 2,495 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-881,000 | 7,147 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,517,000 | 4,820 |
| Total interest expense | $2,143,000 | 2,630 |
| Net interest income | $2,374,000 | 5,759 |
| Provision for loan and lease losses | $46,000 | 5,903 |
| Total noninterest income | $-392,000 | 7,167 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $35,000 | 6,553 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-427,000 | 7,071 |
| Total noninterest expense | $3,421,000 | 4,542 |
| Salaries and employee benefits | $1,353,000 | 5,224 |
| Premises and equipment expense | $340,000 | 4,948 |
| Additional noninterest expense | $1,728,000 | 3,525 |
| Pre-tax net operating income | $-1,485,000 | 6,702 |
| Securities gains (losses) | $273,000 | 1,195 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-1,212,000 | 6,702 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,212,000 | 6,702 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,212,000 | 6,702 |
| Net charge-offs | $832,000 | 2,580 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-1,485,000 | 6,724 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,462,000 | 4,822 |
| Total interest expense | $1,706,000 | 2,592 |
| Net interest income | $1,756,000 | 5,833 |
| Provision for loan and lease losses | $10,000 | 6,179 |
| Total noninterest income | $-330,000 | 7,272 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $27,000 | 6,579 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-357,000 | 7,195 |
| Total noninterest expense | $2,628,000 | 4,487 |
| Salaries and employee benefits | $1,021,000 | 5,216 |
| Premises and equipment expense | $267,000 | 4,889 |
| Additional noninterest expense | $1,340,000 | 3,424 |
| Pre-tax net operating income | $-1,212,000 | 6,850 |
| Securities gains (losses) | $202,000 | 1,213 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-1,010,000 | 6,860 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,010,000 | 6,862 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,010,000 | 6,861 |
| Net charge-offs | $730,000 | 2,243 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,212,000 | 6,882 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,373,000 | 4,800 |
| Total interest expense | $1,198,000 | 2,570 |
| Net interest income | $1,175,000 | 5,862 |
| Provision for loan and lease losses | $10,000 | 5,964 |
| Total noninterest income | $-235,000 | 7,360 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $20,000 | 6,547 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-255,000 | 7,299 |
| Total noninterest expense | $1,825,000 | 4,421 |
| Salaries and employee benefits | $680,000 | 5,265 |
| Premises and equipment expense | $181,000 | 4,885 |
| Additional noninterest expense | $964,000 | 3,298 |
| Pre-tax net operating income | $-895,000 | 6,947 |
| Securities gains (losses) | $69,000 | 1,380 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-826,000 | 6,974 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-826,000 | 6,973 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-826,000 | 6,974 |
| Net charge-offs | $683,000 | 1,822 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-895,000 | 6,981 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,197,000 | 4,814 |
| Total interest expense | $617,000 | 2,571 |
| Net interest income | $580,000 | 5,901 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $-234,000 | 7,476 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $10,000 | 6,519 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-244,000 | 7,452 |
| Total noninterest expense | $945,000 | 4,351 |
| Salaries and employee benefits | $338,000 | 5,318 |
| Premises and equipment expense | $96,000 | 4,808 |
| Additional noninterest expense | $511,000 | 3,121 |
| Pre-tax net operating income | $-599,000 | 7,131 |
| Securities gains (losses) | $12,000 | 1,251 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-587,000 | 7,166 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-587,000 | 7,167 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-587,000 | 7,167 |
| Net charge-offs | $158,000 | 2,310 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-599,000 | 7,162 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,520,000 | 4,549 |
| Total interest expense | $3,215,000 | 2,448 |
| Net interest income | $2,305,000 | 5,952 |
| Provision for loan and lease losses | $3,244,000 | 1,544 |
| Total noninterest income | $-2,518,000 | 7,605 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $46,000 | 6,288 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-2,564,000 | 7,583 |
| Total noninterest expense | $3,266,000 | 4,770 |
| Salaries and employee benefits | $1,400,000 | 5,249 |
| Premises and equipment expense | $372,000 | 4,924 |
| Additional noninterest expense | $1,494,000 | 4,018 |
| Pre-tax net operating income | $-6,723,000 | 7,216 |
| Securities gains (losses) | $139,000 | 1,896 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-6,584,000 | 7,259 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,584,000 | 7,259 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-6,584,000 | 7,259 |
| Net charge-offs | $2,365,000 | 1,692 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-6,723,000 | 7,249 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,230,000 | 4,573 |
| Total interest expense | $2,517,000 | 2,458 |
| Net interest income | $1,713,000 | 6,065 |
| Provision for loan and lease losses | $3,244,000 | 1,205 |
| Total noninterest income | $-2,144,000 | 7,727 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $35,000 | 6,349 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-2,179,000 | 7,712 |
| Total noninterest expense | $2,441,000 | 4,805 |
| Salaries and employee benefits | $1,055,000 | 5,275 |
| Premises and equipment expense | $281,000 | 4,993 |
| Additional noninterest expense | $1,105,000 | 4,028 |
| Pre-tax net operating income | $-6,116,000 | 7,422 |
| Securities gains (losses) | $139,000 | 1,663 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-5,977,000 | 7,467 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-5,977,000 | 7,467 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-5,977,000 | 7,467 |
| Net charge-offs | $1,512,000 | 1,772 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-6,116,000 | 7,452 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,917,000 | 4,523 |
| Total interest expense | $1,737,000 | 2,466 |
| Net interest income | $1,180,000 | 5,991 |
| Provision for loan and lease losses | $1,099,000 | 1,854 |
| Total noninterest income | $-1,607,000 | 7,799 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $24,000 | 6,378 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-1,631,000 | 7,786 |
| Total noninterest expense | $1,571,000 | 4,920 |
| Salaries and employee benefits | $706,000 | 5,287 |
| Premises and equipment expense | $184,000 | 5,062 |
| Additional noninterest expense | $681,000 | 4,243 |
| Pre-tax net operating income | $-3,097,000 | 7,405 |
| Securities gains (losses) | $107,000 | 1,376 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-2,990,000 | 7,446 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,990,000 | 7,445 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,990,000 | 7,446 |
| Net charge-offs | $1,272,000 | 1,511 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,097,000 | 7,447 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,506,000 | 4,497 |
| Total interest expense | $893,000 | 2,508 |
| Net interest income | $613,000 | 5,963 |
| Provision for loan and lease losses | $425,000 | 1,997 |
| Total noninterest income | $1,000 | 7,632 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $11,000 | 6,478 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-10,000 | 7,567 |
| Total noninterest expense | $802,000 | 4,908 |
| Salaries and employee benefits | $355,000 | 5,315 |
| Premises and equipment expense | $98,000 | 4,997 |
| Additional noninterest expense | $349,000 | 4,161 |
| Pre-tax net operating income | $-613,000 | 7,244 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-613,000 | 7,321 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-613,000 | 7,321 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-613,000 | 7,322 |
| Net charge-offs | $171,000 | 2,602 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-613,000 | 7,304 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,625,000 | 4,338 |
| Total interest expense | $4,295,000 | 2,576 |
| Net interest income | $2,330,000 | 6,007 |
| Provision for loan and lease losses | $885,000 | 3,698 |
| Total noninterest income | $81,000 | 7,142 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $56,000 | 6,379 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $25,000 | 6,847 |
| Total noninterest expense | $4,230,000 | 4,187 |
| Salaries and employee benefits | $1,723,000 | 4,786 |
| Premises and equipment expense | $465,000 | 4,582 |
| Additional noninterest expense | $2,042,000 | 3,257 |
| Pre-tax net operating income | $-2,704,000 | 6,825 |
| Securities gains (losses) | $61,000 | 2,500 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-2,643,000 | 6,918 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,643,000 | 6,919 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,643,000 | 6,919 |
| Net charge-offs | $722,000 | 3,307 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 946 |
| Net operating income | $-2,704,000 | 6,943 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,951,000 | 4,395 |
| Total interest expense | $3,303,000 | 2,635 |
| Net interest income | $1,648,000 | 6,170 |
| Provision for loan and lease losses | $773,000 | 3,152 |
| Total noninterest income | $10,000 | 7,759 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $44,000 | 6,392 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-34,000 | 7,733 |
| Total noninterest expense | $3,423,000 | 3,964 |
| Salaries and employee benefits | $1,353,000 | 4,696 |
| Premises and equipment expense | $361,000 | 4,529 |
| Additional noninterest expense | $1,709,000 | 2,951 |
| Pre-tax net operating income | $-2,538,000 | 7,185 |
| Securities gains (losses) | $61,000 | 2,171 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-2,477,000 | 7,294 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,477,000 | 7,293 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,477,000 | 7,294 |
| Net charge-offs | $146,000 | 4,646 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 869 |
| Net operating income | $-2,538,000 | 7,289 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,246,000 | 4,487 |
| Total interest expense | $2,229,000 | 2,711 |
| Net interest income | $1,017,000 | 6,355 |
| Provision for loan and lease losses | $29,000 | 6,542 |
| Total noninterest income | $23,000 | 7,627 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $29,000 | 6,437 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-6,000 | 7,818 |
| Total noninterest expense | $1,785,000 | 4,713 |
| Salaries and employee benefits | $988,000 | 4,471 |
| Premises and equipment expense | $245,000 | 4,511 |
| Additional noninterest expense | $552,000 | 4,961 |
| Pre-tax net operating income | $-774,000 | 6,877 |
| Securities gains (losses) | $61,000 | 1,783 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-713,000 | 6,953 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-713,000 | 6,953 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-713,000 | 6,953 |
| Net charge-offs | $-26,000 | 8,027 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 849 |
| Net operating income | $-774,000 | 6,989 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,583,000 | 4,596 |
| Total interest expense | $1,108,000 | 2,815 |
| Net interest income | $475,000 | 6,513 |
| Provision for loan and lease losses | $14,000 | 6,198 |
| Total noninterest income | $38,000 | 6,716 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $13,000 | 6,516 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $25,000 | 5,902 |
| Total noninterest expense | $898,000 | 4,615 |
| Salaries and employee benefits | $528,000 | 4,295 |
| Premises and equipment expense | $126,000 | 4,497 |
| Additional noninterest expense | $244,000 | 5,009 |
| Pre-tax net operating income | $-399,000 | 7,200 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-399,000 | 7,343 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-399,000 | 7,344 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-399,000 | 7,344 |
| Net charge-offs | $-36,000 | 8,095 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 736 |
| Net operating income | $-399,000 | 7,304 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,299,000 | 4,375 |
| Total interest expense | $4,818,000 | 3,059 |
| Net interest income | $2,481,000 | 5,931 |
| Provision for loan and lease losses | $1,658,000 | 2,026 |
| Total noninterest income | $331,000 | 5,669 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $43,000 | 6,741 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $288,000 | 4,176 |
| Total noninterest expense | $3,547,000 | 4,594 |
| Salaries and employee benefits | $2,179,000 | 4,172 |
| Premises and equipment expense | $533,000 | 4,290 |
| Additional noninterest expense | $835,000 | 5,363 |
| Pre-tax net operating income | $-2,393,000 | 7,470 |
| Securities gains (losses) | $5,000 | 2,760 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-2,388,000 | 7,483 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,388,000 | 7,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $920,000 | 2,049 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 1,024 |
| Net operating income | $-2,393,000 | 7,574 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,597,000 | 4,382 |
| Total interest expense | $3,627,000 | 3,149 |
| Net interest income | $1,970,000 | 5,833 |
| Provision for loan and lease losses | $729,000 | 2,207 |
| Total noninterest income | $291,000 | 5,423 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $31,000 | 6,807 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $260,000 | 3,951 |
| Total noninterest expense | $2,713,000 | 4,519 |
| Salaries and employee benefits | $1,708,000 | 4,071 |
| Premises and equipment expense | $413,000 | 4,212 |
| Additional noninterest expense | $592,000 | 5,460 |
| Pre-tax net operating income | $-1,181,000 | 7,621 |
| Securities gains (losses) | $5,000 | 2,631 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-1,176,000 | 7,593 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,176,000 | 7,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $623,000 | 1,722 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 896 |
| Net operating income | $-1,181,000 | 7,702 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,717,000 | 4,448 |
| Total interest expense | $2,423,000 | 3,265 |
| Net interest income | $1,294,000 | 5,879 |
| Provision for loan and lease losses | $706,000 | 1,519 |
| Total noninterest income | $252,000 | 4,981 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $21,000 | 6,831 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $231,000 | 3,489 |
| Total noninterest expense | $1,829,000 | 4,521 |
| Salaries and employee benefits | $1,164,000 | 4,046 |
| Premises and equipment expense | $281,000 | 4,158 |
| Additional noninterest expense | $384,000 | 5,534 |
| Pre-tax net operating income | $-989,000 | 7,904 |
| Securities gains (losses) | $2,000 | 2,957 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-987,000 | 7,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-987,000 | 7,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $658,000 | 1,109 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 801 |
| Net operating income | $-989,000 | 7,974 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,904,000 | 4,470 |
| Total interest expense | $1,222,000 | 3,404 |
| Net interest income | $682,000 | 5,762 |
| Provision for loan and lease losses | $155,000 | 2,087 |
| Total noninterest income | $210,000 | 3,907 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $12,000 | 6,732 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $198,000 | 2,588 |
| Total noninterest expense | $948,000 | 4,399 |
| Salaries and employee benefits | $587,000 | 4,038 |
| Premises and equipment expense | $146,000 | 4,066 |
| Additional noninterest expense | $215,000 | 5,153 |
| Pre-tax net operating income | $-211,000 | 7,777 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-211,000 | 7,852 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-211,000 | 7,852 |
| 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 | $25,000 | 645 |
| Net operating income | $-211,000 | 7,821 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,199,000 | 4,299 |
| Total interest expense | $4,610,000 | 3,662 |
| Net interest income | $3,589,000 | 4,960 |
| Provision for loan and lease losses | $746,000 | 1,767 |
| Total noninterest income | $528,000 | 4,911 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $26,000 | 7,075 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $502,000 | 3,305 |
| Total noninterest expense | $3,297,000 | 4,713 |
| Salaries and employee benefits | $1,996,000 | 4,390 |
| Premises and equipment expense | $543,000 | 4,124 |
| Additional noninterest expense | $758,000 | 5,519 |
| Pre-tax net operating income | $74,000 | 7,223 |
| Securities gains (losses) | $-1,000 | 7,069 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $73,000 | 7,249 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $73,000 | 7,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 2,094 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 980 |
| Net operating income | $74,000 | 7,218 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,086,000 | 4,337 |
| Total interest expense | $3,361,000 | 3,734 |
| Net interest income | $2,725,000 | 4,932 |
| Provision for loan and lease losses | $693,000 | 1,220 |
| Total noninterest income | $470,000 | 4,553 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $17,000 | 7,155 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $453,000 | 3,005 |
| Total noninterest expense | $2,484,000 | 4,688 |
| Salaries and employee benefits | $1,540,000 | 4,293 |
| Premises and equipment expense | $407,000 | 4,117 |
| Additional noninterest expense | $537,000 | 5,621 |
| Pre-tax net operating income | $18,000 | 7,594 |
| Securities gains (losses) | $-1,000 | 7,322 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $17,000 | 7,615 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $17,000 | 7,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,001 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 876 |
| Net operating income | $18,000 | 7,599 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,006,000 | 4,390 |
| Total interest expense | $2,149,000 | 3,840 |
| Net interest income | $1,857,000 | 4,892 |
| Provision for loan and lease losses | $356,000 | 1,348 |
| Total noninterest income | $69,000 | 7,314 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $11,000 | 7,206 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $58,000 | 6,055 |
| Total noninterest expense | $1,648,000 | 4,710 |
| Salaries and employee benefits | $1,048,000 | 4,265 |
| Premises and equipment expense | $271,000 | 4,142 |
| Additional noninterest expense | $329,000 | 5,857 |
| Pre-tax net operating income | $-78,000 | 7,941 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-78,000 | 7,961 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-78,000 | 7,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,947 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 837 |
| Net operating income | $-78,000 | 7,954 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,896,000 | 4,551 |
| Total interest expense | $998,000 | 4,019 |
| Net interest income | $898,000 | 4,997 |
| Provision for loan and lease losses | $197,000 | 1,183 |
| Total noninterest income | $18,000 | 7,949 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $6,000 | 7,199 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $12,000 | 7,222 |
| Total noninterest expense | $831,000 | 4,688 |
| Salaries and employee benefits | $545,000 | 4,169 |
| Premises and equipment expense | $131,000 | 4,247 |
| Additional noninterest expense | $155,000 | 6,036 |
| Pre-tax net operating income | $-112,000 | 8,168 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-112,000 | 8,197 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-112,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 712 |
| Net operating income | $-112,000 | 8,185 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,697,000 | 5,722 |
| Total interest expense | $2,171,000 | 5,186 |
| Net interest income | $2,526,000 | 5,997 |
| Provision for loan and lease losses | $654,000 | 1,498 |
| Total noninterest income | $30,000 | 8,345 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $10,000 | 7,420 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $20,000 | 7,978 |
| Total noninterest expense | $2,449,000 | 5,559 |
| Salaries and employee benefits | $1,647,000 | 4,893 |
| Premises and equipment expense | $345,000 | 5,369 |
| Additional noninterest expense | $457,000 | 6,751 |
| Pre-tax net operating income | $-547,000 | 8,281 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-547,000 | 8,315 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-547,000 | 8,315 |
| 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 | $57,000 | 992 |
| Net operating income | $-547,000 | 8,309 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,989,000 | 6,144 |
| Total interest expense | $1,263,000 | 5,797 |
| Net interest income | $1,726,000 | 6,288 |
| Provision for loan and lease losses | $396,000 | 1,719 |
| Total noninterest income | $20,000 | 8,458 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $6,000 | 7,517 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $14,000 | 8,072 |
| Total noninterest expense | $1,828,000 | 5,546 |
| Salaries and employee benefits | $1,241,000 | 4,864 |
| Premises and equipment expense | $239,000 | 5,613 |
| Additional noninterest expense | $348,000 | 6,725 |
| Pre-tax net operating income | $-478,000 | 8,441 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-478,000 | 8,466 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-478,000 | 8,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 840 |
| Net operating income | $-478,000 | 8,456 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,612,000 | 6,634 |
| Total interest expense | $609,000 | 6,425 |
| Net interest income | $1,003,000 | 6,653 |
| Provision for loan and lease losses | $212,000 | 2,010 |
| Total noninterest income | $12,000 | 8,524 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,000 | 7,616 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,000 | 8,084 |
| Total noninterest expense | $1,181,000 | 5,655 |
| Salaries and employee benefits | $740,000 | 5,230 |
| Premises and equipment expense | $133,000 | 6,083 |
| Additional noninterest expense | $308,000 | 6,003 |
| Pre-tax net operating income | $-378,000 | 8,516 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-378,000 | 8,533 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-378,000 | 8,534 |
| 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 | $26,000 | 720 |
| Net operating income | $-378,000 | 8,531 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $721,000 | 6,882 |
| Total interest expense | $273,000 | 6,616 |
| Net interest income | $448,000 | 6,951 |
| Provision for loan and lease losses | $68,000 | 2,673 |
| Total noninterest income | $4,000 | 8,590 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,000 | 7,643 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,266 |
| Total noninterest expense | $570,000 | 5,778 |
| Salaries and employee benefits | $389,000 | 5,105 |
| Premises and equipment expense | $49,000 | 6,794 |
| Additional noninterest expense | $132,000 | 6,413 |
| Pre-tax net operating income | $-186,000 | 8,530 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-186,000 | 8,554 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-186,000 | 8,553 |
| 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 | $12,000 | 539 |
| Net operating income | $-186,000 | 8,546 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 8,284 |
| Total interest expense | $301,000 | 8,183 |
| Net interest income | $757,000 | 8,269 |
| Provision for loan and lease losses | $245,000 | 3,204 |
| Total noninterest income | $6,000 | 8,695 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,000 | 7,685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,000 | 8,603 |
| Total noninterest expense | $999,000 | 7,754 |
| Salaries and employee benefits | $669,000 | 7,381 |
| Premises and equipment expense | $93,000 | 7,939 |
| Additional noninterest expense | $237,000 | 7,999 |
| Pre-tax net operating income | $-481,000 | 8,496 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-481,000 | 8,541 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-481,000 | 8,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $12,500,000 | 146 |
| Net operating income | $-481,000 | 8,521 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $500,000 | 8,592 |
| Total interest expense | $79,000 | 8,663 |
| Net interest income | $421,000 | 8,525 |
| Provision for loan and lease losses | $198,000 | 2,988 |
| Total noninterest income | $4,000 | 8,757 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,000 | 7,763 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,000 | 8,618 |
| Total noninterest expense | $569,000 | 8,132 |
| Salaries and employee benefits | $376,000 | 7,872 |
| Premises and equipment expense | $49,000 | 8,275 |
| Additional noninterest expense | $144,000 | 8,255 |
| Pre-tax net operating income | $-342,000 | 8,544 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-342,000 | 8,578 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-342,000 | 8,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $12,500,000 | 102 |
| Net operating income | $-342,000 | 8,550 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $185,000 | 8,765 |
| Total interest expense | $19,000 | 8,762 |
| Net interest income | $166,000 | 8,729 |
| Provision for loan and lease losses | $85,000 | 3,670 |
| Total noninterest income | $0 | 8,806 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $229,000 | 8,619 |
| Salaries and employee benefits | $129,000 | 8,597 |
| Premises and equipment expense | $19,000 | 8,606 |
| Additional noninterest expense | $81,000 | 8,432 |
| Pre-tax net operating income | $-148,000 | 8,522 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-148,000 | 8,547 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-148,000 | 8,547 |
| 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 | $12,500,000 | 67 |
| Net operating income | $-148,000 | 8,524 |
* 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.