Home > Millennium Bank > Income and Expense

Millennium Bank, Income and Expense

2008-03-31 (YTD Data)		Rank
Total interest income	$1,166,000	5,883
Total interest expense	$504,000	5,742
Net interest income	$662,000	5,840
Provision for loan and lease losses	$0	6,080
Total noninterest income	$83,000	5,799
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$30,000	5,688
Trading account gains and fees	$0	158
Additional Noninterest Income	$53,000	4,930
Total noninterest expense	$442,000	6,607
Salaries and employee benefits	$282,000	6,243
Premises and equipment expense	$44,000	7,000
Additional noninterest expense	$116,000	6,795
Pre-tax net operating income	$303,000	4,129
Securities gains (losses)	$0	2,688
Applicable income taxes	$117,000	2,620
Income before extraordinary items	$186,000	4,803
Extraordinary gains, net	$0	15
Net income	$186,000	4,808
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$213,000	1,224
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$186,000	4,692
2007-12-31 (YTD Data)		Rank
Total interest income	$12,206,000	3,236
Total interest expense	$6,274,000	2,897
Net interest income	$5,932,000	3,530
Provision for loan and lease losses	$71,000	5,334
Total noninterest income	$922,000	3,697
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$374,000	3,653
Trading account gains and fees	$0	178
Additional Noninterest Income	$548,000	3,163
Total noninterest expense	$4,518,000	3,740
Salaries and employee benefits	$2,753,000	3,456
Premises and equipment expense	$536,000	4,162
Additional noninterest expense	$1,229,000	4,012
Pre-tax net operating income	$2,265,000	3,048
Securities gains (losses)	$-27,000	7,838
Applicable income taxes	$858,000	2,056
Income before extraordinary items	$1,380,000	3,612
Extraordinary gains, net	$0	39
Net income	$1,380,000	3,611
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,483
Cash dividends	$500,000	3,679
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,397,280	3,578
2007-09-30 (YTD Data)		Rank
Total interest income	$9,258,000	3,212
Total interest expense	$4,780,000	2,849
Net interest income	$4,478,000	3,522
Provision for loan and lease losses	$71,000	4,657
Total noninterest income	$731,000	3,591
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$285,000	3,617
Trading account gains and fees	$0	184
Additional Noninterest Income	$446,000	3,026
Total noninterest expense	$3,494,000	3,628
Salaries and employee benefits	$2,141,000	3,344
Premises and equipment expense	$429,000	3,957
Additional noninterest expense	$924,000	3,935
Pre-tax net operating income	$1,644,000	3,269
Securities gains (losses)	$0	1,655
Applicable income taxes	$629,000	2,220
Income before extraordinary items	$1,015,000	3,861
Extraordinary gains, net	$0	33
Net income	$1,015,000	3,860
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,926
Cash dividends	$250,000	3,844
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,015,000	3,847
2007-06-30 (YTD Data)		Rank
Total interest income	$6,142,000	3,229
Total interest expense	$3,147,000	2,882
Net interest income	$2,995,000	3,538
Provision for loan and lease losses	$71,000	3,828
Total noninterest income	$447,000	3,787
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$187,000	3,648
Trading account gains and fees	$0	168
Additional Noninterest Income	$260,000	3,267
Total noninterest expense	$2,322,000	3,666
Salaries and employee benefits	$1,424,000	3,383
Premises and equipment expense	$278,000	4,068
Additional noninterest expense	$620,000	3,927
Pre-tax net operating income	$1,049,000	3,425
Securities gains (losses)	$0	1,444
Applicable income taxes	$402,000	2,374
Income before extraordinary items	$647,000	4,004
Extraordinary gains, net	$0	29
Net income	$647,000	4,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,139
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$647,000	3,997
2007-03-31 (YTD Data)		Rank
Total interest income	$3,036,000	3,249
Total interest expense	$1,539,000	2,920
Net interest income	$1,497,000	3,544
Provision for loan and lease losses	$71,000	2,566
Total noninterest income	$259,000	3,444
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$92,000	3,616
Trading account gains and fees	$0	195
Additional Noninterest Income	$167,000	2,832
Total noninterest expense	$1,164,000	3,655
Salaries and employee benefits	$727,000	3,347
Premises and equipment expense	$140,000	4,053
Additional noninterest expense	$297,000	4,008
Pre-tax net operating income	$521,000	3,429
Securities gains (losses)	$0	1,187
Applicable income taxes	$199,000	2,409
Income before extraordinary items	$322,000	4,008
Extraordinary gains, net	$0	22
Net income	$322,000	4,009
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,049
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$322,000	3,989
2006-12-31 (YTD Data)		Rank
Total interest income	$10,775,000	3,383
Total interest expense	$4,695,000	3,187
Net interest income	$6,080,000	3,488
Provision for loan and lease losses	$207,000	3,467
Total noninterest income	$950,000	3,672
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$412,000	3,476
Trading account gains and fees	$0	130
Additional Noninterest Income	$538,000	3,216
Total noninterest expense	$4,529,000	3,621
Salaries and employee benefits	$2,778,000	3,341
Premises and equipment expense	$527,000	4,123
Additional noninterest expense	$1,224,000	3,870
Pre-tax net operating income	$2,294,000	3,341
Securities gains (losses)	$0	1,687
Applicable income taxes	$879,000	2,353
Income before extraordinary items	$1,415,000	3,910
Extraordinary gains, net	$0	51
Net income	$1,415,000	3,910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-27,000	8,209
Cash dividends	$600,000	3,434
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,415,000	3,890
2006-09-30 (YTD Data)		Rank
Total interest income	$7,837,000	3,435
Total interest expense	$3,277,000	3,271
Net interest income	$4,560,000	3,507
Provision for loan and lease losses	$137,000	3,546
Total noninterest income	$726,000	3,633
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$320,000	3,425
Trading account gains and fees	$0	126
Additional Noninterest Income	$406,000	3,193
Total noninterest expense	$3,469,000	3,560
Salaries and employee benefits	$2,147,000	3,259
Premises and equipment expense	$401,000	4,103
Additional noninterest expense	$921,000	3,858
Pre-tax net operating income	$1,680,000	3,515
Securities gains (losses)	$0	1,388
Applicable income taxes	$644,000	2,486
Income before extraordinary items	$1,036,000	4,088
Extraordinary gains, net	$0	45
Net income	$1,036,000	4,091
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	8,015
Cash dividends	$250,000	3,894
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,036,000	4,071
2006-06-30 (YTD Data)		Rank
Total interest income	$5,011,000	3,491
Total interest expense	$1,982,000	3,410
Net interest income	$3,029,000	3,523
Provision for loan and lease losses	$137,000	2,799
Total noninterest income	$455,000	3,741
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$215,000	3,385
Trading account gains and fees	$0	126
Additional Noninterest Income	$240,000	3,399
Total noninterest expense	$2,303,000	3,570
Salaries and employee benefits	$1,443,000	3,243
Premises and equipment expense	$263,000	4,152
Additional noninterest expense	$597,000	3,929
Pre-tax net operating income	$1,044,000	3,706
Securities gains (losses)	$0	1,185
Applicable income taxes	$400,000	2,617
Income before extraordinary items	$644,000	4,274
Extraordinary gains, net	$0	39
Net income	$644,000	4,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,236
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$644,000	4,264
2006-03-31 (YTD Data)		Rank
Total interest income	$2,403,000	3,540
Total interest expense	$908,000	3,510
Net interest income	$1,495,000	3,545
Provision for loan and lease losses	$25,000	4,252
Total noninterest income	$216,000	3,811
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$110,000	3,276
Trading account gains and fees	$0	115
Additional Noninterest Income	$106,000	3,612
Total noninterest expense	$1,149,000	3,599
Salaries and employee benefits	$720,000	3,253
Premises and equipment expense	$132,000	4,139
Additional noninterest expense	$297,000	3,932
Pre-tax net operating income	$537,000	3,578
Securities gains (losses)	$0	955
Applicable income taxes	$205,000	2,571
Income before extraordinary items	$332,000	4,153
Extraordinary gains, net	$0	21
Net income	$332,000	4,153
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	1,771
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$332,000	4,132
2005-12-31 (YTD Data)		Rank
Total interest income	$8,347,000	3,632
Total interest expense	$2,664,000	3,654
Net interest income	$5,683,000	3,580
Provision for loan and lease losses	$233,000	3,330
Total noninterest income	$1,260,000	3,030
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$498,000	3,063
Trading account gains and fees	$0	138
Additional Noninterest Income	$762,000	2,624
Total noninterest expense	$4,434,000	3,579
Salaries and employee benefits	$2,854,000	3,109
Premises and equipment expense	$504,000	4,157
Additional noninterest expense	$1,076,000	4,174
Pre-tax net operating income	$2,276,000	3,385
Securities gains (losses)	$0	2,296
Applicable income taxes	$871,000	2,470
Income before extraordinary items	$1,405,000	3,946
Extraordinary gains, net	$0	46
Net income	$1,405,000	3,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-22,000	8,283
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,405,000	3,915
2005-09-30 (YTD Data)		Rank
Total interest income	$6,015,000	3,703
Total interest expense	$1,837,000	3,735
Net interest income	$4,178,000	3,639
Provision for loan and lease losses	$113,000	3,996
Total noninterest income	$965,000	2,983
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$368,000	3,088
Trading account gains and fees	$0	126
Additional Noninterest Income	$597,000	2,559
Total noninterest expense	$3,288,000	3,582
Salaries and employee benefits	$2,100,000	3,132
Premises and equipment expense	$390,000	4,042
Additional noninterest expense	$798,000	4,189
Pre-tax net operating income	$1,742,000	3,381
Securities gains (losses)	$0	2,317
Applicable income taxes	$667,000	2,463
Income before extraordinary items	$1,075,000	3,970
Extraordinary gains, net	$0	35
Net income	$1,075,000	3,970
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-55,000	8,473
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,075,000	3,924
2005-06-30 (YTD Data)		Rank
Total interest income	$3,795,000	3,784
Total interest expense	$1,113,000	3,835
Net interest income	$2,682,000	3,718
Provision for loan and lease losses	$73,000	3,895
Total noninterest income	$604,000	3,076
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$233,000	3,180
Trading account gains and fees	$0	116
Additional Noninterest Income	$371,000	2,672
Total noninterest expense	$2,099,000	3,673
Salaries and employee benefits	$1,317,000	3,293
Premises and equipment expense	$262,000	4,005
Additional noninterest expense	$520,000	4,236
Pre-tax net operating income	$1,114,000	3,428
Securities gains (losses)	$0	2,146
Applicable income taxes	$426,000	2,512
Income before extraordinary items	$688,000	4,040
Extraordinary gains, net	$0	30
Net income	$688,000	4,042
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-50,000	8,480
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$688,000	3,981
2005-03-31 (YTD Data)		Rank
Total interest income	$1,817,000	3,892
Total interest expense	$506,000	3,996
Net interest income	$1,311,000	3,776
Provision for loan and lease losses	$28,000	4,295
Total noninterest income	$320,000	2,902
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$115,000	3,135
Trading account gains and fees	$0	115
Additional Noninterest Income	$205,000	2,446
Total noninterest expense	$1,012,000	3,812
Salaries and employee benefits	$639,000	3,379
Premises and equipment expense	$125,000	4,196
Additional noninterest expense	$248,000	4,387
Pre-tax net operating income	$591,000	3,261
Securities gains (losses)	$0	1,685
Applicable income taxes	$226,000	2,405
Income before extraordinary items	$365,000	3,865
Extraordinary gains, net	$0	24
Net income	$365,000	3,867
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	8,248
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$365,000	3,822
2004-12-31 (YTD Data)		Rank
Total interest income	$6,436,000	4,048
Total interest expense	$1,790,000	3,988
Net interest income	$4,646,000	4,021
Provision for loan and lease losses	$353,000	2,617
Total noninterest income	$1,185,000	3,154
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$547,000	2,940
Trading account gains and fees	$0	138
Additional Noninterest Income	$638,000	2,875
Total noninterest expense	$3,902,000	3,836
Salaries and employee benefits	$2,366,000	3,495
Premises and equipment expense	$477,000	4,244
Additional noninterest expense	$1,059,000	4,142
Pre-tax net operating income	$1,576,000	4,126
Securities gains (losses)	$0	3,819
Applicable income taxes	$606,000	3,012
Income before extraordinary items	$970,000	4,782
Extraordinary gains, net	$0	34
Net income	$970,000	4,782
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$193,000	2,628
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$970,000	4,716
2004-09-30 (YTD Data)		Rank
Total interest income	$4,722,000	4,099
Total interest expense	$1,309,000	4,026
Net interest income	$3,413,000	4,082
Provision for loan and lease losses	$123,000	3,948
Total noninterest income	$878,000	3,197
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$419,000	2,895
Trading account gains and fees	$0	134
Additional Noninterest Income	$459,000	2,947
Total noninterest expense	$2,982,000	3,729
Salaries and employee benefits	$1,818,000	3,400
Premises and equipment expense	$367,000	4,143
Additional noninterest expense	$797,000	4,101
Pre-tax net operating income	$1,186,000	4,181
Securities gains (losses)	$0	3,710
Applicable income taxes	$454,000	3,067
Income before extraordinary items	$732,000	4,844
Extraordinary gains, net	$0	26
Net income	$732,000	4,844
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	4,640
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$732,000	4,755
2004-06-30 (YTD Data)		Rank
Total interest income	$3,092,000	4,145
Total interest expense	$858,000	4,063
Net interest income	$2,234,000	4,138
Provision for loan and lease losses	$123,000	3,073
Total noninterest income	$601,000	3,165
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$278,000	2,883
Trading account gains and fees	$0	130
Additional Noninterest Income	$323,000	2,863
Total noninterest expense	$1,970,000	3,783
Salaries and employee benefits	$1,194,000	3,462
Premises and equipment expense	$234,000	4,282
Additional noninterest expense	$542,000	4,061
Pre-tax net operating income	$742,000	4,308
Securities gains (losses)	$0	3,413
Applicable income taxes	$284,000	3,171
Income before extraordinary items	$458,000	4,959
Extraordinary gains, net	$0	21
Net income	$458,000	4,959
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,398
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$458,000	4,870
2004-03-31 (YTD Data)		Rank
Total interest income	$1,532,000	4,198
Total interest expense	$430,000	4,105
Net interest income	$1,102,000	4,177
Provision for loan and lease losses	$55,000	3,182
Total noninterest income	$252,000	3,512
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$133,000	2,922
Trading account gains and fees	$0	121
Additional Noninterest Income	$119,000	3,364
Total noninterest expense	$957,000	3,895
Salaries and employee benefits	$592,000	3,516
Premises and equipment expense	$111,000	4,485
Additional noninterest expense	$254,000	4,267
Pre-tax net operating income	$342,000	4,496
Securities gains (losses)	$0	2,934
Applicable income taxes	$131,000	3,339
Income before extraordinary items	$211,000	5,200
Extraordinary gains, net	$0	16
Net income	$211,000	5,199
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,968
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$211,000	5,081
2003-12-31 (YTD Data)		Rank
Total interest income	$3,034,000	6,476
Total interest expense	$901,000	6,408
Net interest income	$2,133,000	6,382
Provision for loan and lease losses	$34,000	6,715
Total noninterest income	$824,000	4,170
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$279,000	4,486
Trading account gains and fees	$0	160
Additional Noninterest Income	$545,000	3,437
Total noninterest expense	$1,941,000	6,085
Salaries and employee benefits	$1,191,000	5,667
Premises and equipment expense	$220,000	6,535
Additional noninterest expense	$530,000	6,379
Pre-tax net operating income	$982,000	5,222
Securities gains (losses)	$3,000	4,078
Applicable income taxes	$381,000	3,883
Income before extraordinary items	$604,000	5,937
Extraordinary gains, net	$0	54
Net income	$604,000	5,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	8,615
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$602,080	5,766
2003-09-30 (YTD Data)		Rank
Total interest income	$1,519,000	7,597
Total interest expense	$473,000	7,436
Net interest income	$1,046,000	7,567
Provision for loan and lease losses	$34,000	6,318
Total noninterest income	$498,000	4,753
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$144,000	5,398
Trading account gains and fees	$0	153
Additional Noninterest Income	$354,000	3,757
Total noninterest expense	$1,031,000	7,125
Salaries and employee benefits	$648,000	6,710
Premises and equipment expense	$115,000	7,361
Additional noninterest expense	$268,000	7,418
Pre-tax net operating income	$479,000	6,377
Securities gains (losses)	$0	4,204
Applicable income taxes	$185,000	4,776
Income before extraordinary items	$294,000	6,976
Extraordinary gains, net	$0	40
Net income	$294,000	6,978
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,291
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$294,000	6,809
2003-06-30 (YTD Data)		Rank
Total interest income	$152,000	9,167
Total interest expense	$49,000	9,100
Net interest income	$103,000	9,166
Provision for loan and lease losses	$34,000	5,657
Total noninterest income	$27,000	8,841
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$11,000	7,900
Trading account gains and fees	$0	150
Additional Noninterest Income	$16,000	8,080
Total noninterest expense	$88,000	9,227
Salaries and employee benefits	$45,000	9,220
Premises and equipment expense	$9,000	9,155
Additional noninterest expense	$34,000	9,178
Pre-tax net operating income	$8,000	8,619
Securities gains (losses)	$0	3,782
Applicable income taxes	$10,000	6,956
Income before extraordinary items	$-2,000	8,771
Extraordinary gains, net	$0	30
Net income	$-2,000	8,774
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	$-2,000	8,661
2003-03-31 (YTD Data)		Rank
Total interest income	$1,368,000	4,699
Total interest expense	$419,000	4,898
Net interest income	$949,000	4,554
Provision for loan and lease losses	$46,000	3,791
Total noninterest income	$340,000	2,963
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$118,000	3,121
Trading account gains and fees	$0	134
Additional Noninterest Income	$222,000	2,540
Total noninterest expense	$851,000	4,175
Salaries and employee benefits	$523,000	3,768
Premises and equipment expense	$93,000	4,937
Additional noninterest expense	$235,000	4,421
Pre-tax net operating income	$392,000	4,082
Securities gains (losses)	$0	2,891
Applicable income taxes	$148,000	3,248
Income before extraordinary items	$244,000	4,778
Extraordinary gains, net	$0	21
Net income	$244,000	4,778
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	2,377
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$244,000	4,582
2002-12-31 (YTD Data)		Rank
Total interest income	$5,140,000	5,087
Total interest expense	$1,711,000	5,304
Net interest income	$3,429,000	4,821
Provision for loan and lease losses	$256,000	3,804
Total noninterest income	$975,000	3,538
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$387,000	3,610
Trading account gains and fees	$0	153
Additional Noninterest Income	$588,000	3,002
Total noninterest expense	$2,977,000	4,487
Salaries and employee benefits	$1,738,000	4,203
Premises and equipment expense	$369,000	4,926
Additional noninterest expense	$870,000	4,651
Pre-tax net operating income	$1,171,000	4,782
Securities gains (losses)	$10,000	3,604
Applicable income taxes	$423,000	3,774
Income before extraordinary items	$758,000	5,348
Extraordinary gains, net	$0	70
Net income	$758,000	5,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,876
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$3,000	849
Net operating income	$751,600	5,228
2001-12-31 (YTD Data)		Rank
Total interest income	$4,314,000	6,094
Total interest expense	$1,901,000	6,262
Net interest income	$2,413,000	5,836
Provision for loan and lease losses	$202,000	4,102
Total noninterest income	$299,000	6,441
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$210,000	5,048
Trading account gains and fees	$0	177
Additional Noninterest Income	$89,000	6,670
Total noninterest expense	$2,246,000	5,311
Salaries and employee benefits	$1,362,000	4,860
Premises and equipment expense	$257,000	6,000
Additional noninterest expense	$627,000	5,681
Pre-tax net operating income	$264,000	7,573
Securities gains (losses)	$0	4,612
Applicable income taxes	$-65,000	9,195
Income before extraordinary items	$329,000	6,960
Extraordinary gains, net	$0	105
Net income	$329,000	6,960
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,336
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$1,934,000	324
Net operating income	$329,000	6,836
2000-12-31 (YTD Data)		Rank
Total interest income	$2,932,000	7,482
Total interest expense	$1,432,000	7,289
Net interest income	$1,500,000	7,471
Provision for loan and lease losses	$199,000	3,780
Total noninterest income	$113,000	8,411
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	7,016
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	8,376
Total noninterest expense	$1,502,000	6,746
Salaries and employee benefits	$893,000	6,342
Premises and equipment expense	$171,000	7,229
Additional noninterest expense	$438,000	6,864
Pre-tax net operating income	$-88,000	9,235
Securities gains (losses)	$-1,000	7,406
Applicable income taxes	$-2,000	9,274
Income before extraordinary items	$-87,000	9,254
Extraordinary gains, net	$0	38
Net income	$-87,000	9,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-86,020	9,250
1999-12-31 (YTD Data)		Rank
Total interest income	$891,000	9,709
Total interest expense	$349,000	9,730
Net interest income	$542,000	9,618
Provision for loan and lease losses	$170,000	3,962
Total noninterest income	$68,000	9,323
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	8,565
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	7,990
Total noninterest expense	$926,000	8,342
Salaries and employee benefits	$377,000	9,016
Premises and equipment expense	$83,000	8,967
Additional noninterest expense	$466,000	6,770
Pre-tax net operating income	$-486,000	9,837
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$-486,000	9,887
Extraordinary gains, net	$0	35
Net income	$-486,000	9,884
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$5,684,000	215
Net operating income	$-486,000	9,867

* 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.