Home > Southern Bank of Commerce > Income and Expense
Southern Bank of Commerce, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $784,000 | 7,525 |
| Total interest expense | $463,000 | 6,438 |
| Net interest income | $321,000 | 7,897 |
| Provision for loan and lease losses | $20,000 | 6,682 |
| Total noninterest income | $0 | 7,938 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $31,000 | 6,373 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-31,000 | 7,877 |
| Total noninterest expense | $957,000 | 6,390 |
| Salaries and employee benefits | $416,000 | 6,727 |
| Premises and equipment expense | $144,000 | 5,843 |
| Additional noninterest expense | $397,000 | 5,845 |
| Pre-tax net operating income | $-656,000 | 6,769 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-656,000 | 6,907 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-656,000 | 6,907 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-656,000 | 6,907 |
| Net charge-offs | $320,000 | 2,859 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-656,000 | 6,893 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $399,000 | 7,562 |
| Total interest expense | $239,000 | 6,480 |
| Net interest income | $160,000 | 7,947 |
| Provision for loan and lease losses | $20,000 | 5,880 |
| Total noninterest income | $-12,000 | 8,106 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $15,000 | 6,393 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-27,000 | 8,053 |
| Total noninterest expense | $426,000 | 6,627 |
| Salaries and employee benefits | $213,000 | 6,726 |
| Premises and equipment expense | $75,000 | 5,786 |
| Additional noninterest expense | $138,000 | 6,509 |
| Pre-tax net operating income | $-298,000 | 7,057 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-298,000 | 7,201 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-298,000 | 7,201 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-298,000 | 7,202 |
| Net charge-offs | $47,000 | 3,624 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-298,000 | 7,145 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,951,000 | 7,370 |
| Total interest expense | $1,181,000 | 6,469 |
| Net interest income | $770,000 | 7,837 |
| Provision for loan and lease losses | $825,000 | 2,991 |
| Total noninterest income | $116,000 | 7,151 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $104,000 | 5,845 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $12,000 | 7,639 |
| Total noninterest expense | $1,973,000 | 6,265 |
| Salaries and employee benefits | $905,000 | 6,638 |
| Premises and equipment expense | $325,000 | 5,600 |
| Additional noninterest expense | $743,000 | 5,669 |
| Pre-tax net operating income | $-1,912,000 | 7,334 |
| Securities gains (losses) | $6,000 | 2,702 |
| Applicable income taxes | $310,000 | 2,356 |
| Income before extraordinary items | $-2,216,000 | 7,442 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,216,000 | 7,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $565,000 | 2,631 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,222,000 | 7,531 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,528,000 | 7,391 |
| Total interest expense | $910,000 | 6,535 |
| Net interest income | $618,000 | 7,857 |
| Provision for loan and lease losses | $757,000 | 2,161 |
| Total noninterest income | $106,000 | 7,054 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $83,000 | 5,793 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $23,000 | 7,331 |
| Total noninterest expense | $1,487,000 | 6,244 |
| Salaries and employee benefits | $686,000 | 6,638 |
| Premises and equipment expense | $248,000 | 5,592 |
| Additional noninterest expense | $553,000 | 5,645 |
| Pre-tax net operating income | $-1,520,000 | 7,736 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $-428,000 | 7,841 |
| Income before extraordinary items | $-1,091,000 | 7,549 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,091,000 | 7,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $486,000 | 1,982 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,091,720 | 7,662 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,054,000 | 7,415 |
| Total interest expense | $626,000 | 6,605 |
| Net interest income | $428,000 | 7,867 |
| Provision for loan and lease losses | $697,000 | 1,539 |
| Total noninterest income | $75,000 | 7,048 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $61,000 | 5,679 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $14,000 | 7,482 |
| Total noninterest expense | $1,001,000 | 6,266 |
| Salaries and employee benefits | $460,000 | 6,682 |
| Premises and equipment expense | $124,000 | 6,316 |
| Additional noninterest expense | $417,000 | 5,298 |
| Pre-tax net operating income | $-1,195,000 | 7,997 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $-304,000 | 8,073 |
| Income before extraordinary items | $-890,000 | 7,955 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-890,000 | 7,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $397,000 | 1,514 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-890,750 | 7,940 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $557,000 | 7,388 |
| Total interest expense | $331,000 | 6,639 |
| Net interest income | $226,000 | 7,859 |
| Provision for loan and lease losses | $97,000 | 2,780 |
| Total noninterest income | $35,000 | 7,145 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $28,000 | 5,782 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $7,000 | 7,488 |
| Total noninterest expense | $507,000 | 6,264 |
| Salaries and employee benefits | $229,000 | 6,714 |
| Premises and equipment expense | $91,000 | 5,433 |
| Additional noninterest expense | $187,000 | 5,554 |
| Pre-tax net operating income | $-343,000 | 7,949 |
| Securities gains (losses) | $-1,000 | 8,175 |
| Applicable income taxes | $-132,000 | 8,189 |
| Income before extraordinary items | $-212,000 | 7,854 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-212,000 | 7,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 1,466 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-211,360 | 7,823 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,545,000 | 7,169 |
| Total interest expense | $1,300,000 | 6,720 |
| Net interest income | $1,245,000 | 7,441 |
| Provision for loan and lease losses | $175,000 | 4,119 |
| Total noninterest income | $173,000 | 6,941 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $146,000 | 5,476 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $27,000 | 7,619 |
| Total noninterest expense | $1,977,000 | 6,249 |
| Salaries and employee benefits | $991,000 | 6,454 |
| Premises and equipment expense | $313,000 | 5,679 |
| Additional noninterest expense | $673,000 | 5,833 |
| Pre-tax net operating income | $-734,000 | 7,938 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-283,000 | 8,201 |
| Income before extraordinary items | $-451,000 | 7,855 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-451,000 | 7,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $502,000 | 1,687 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-451,000 | 7,845 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,949,000 | 7,179 |
| Total interest expense | $961,000 | 6,761 |
| Net interest income | $988,000 | 7,409 |
| Provision for loan and lease losses | $30,000 | 5,532 |
| Total noninterest income | $136,000 | 6,910 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $112,000 | 5,447 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $24,000 | 7,528 |
| Total noninterest expense | $1,366,000 | 6,434 |
| Salaries and employee benefits | $739,000 | 6,467 |
| Premises and equipment expense | $251,000 | 5,511 |
| Additional noninterest expense | $376,000 | 6,555 |
| Pre-tax net operating income | $-272,000 | 7,943 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-107,000 | 8,245 |
| Income before extraordinary items | $-165,000 | 7,911 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-165,000 | 7,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $401,000 | 1,262 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-165,000 | 7,894 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,346,000 | 7,137 |
| Total interest expense | $653,000 | 6,753 |
| Net interest income | $693,000 | 7,370 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $91,000 | 6,962 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $75,000 | 5,454 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $16,000 | 7,569 |
| Total noninterest expense | $915,000 | 6,463 |
| Salaries and employee benefits | $507,000 | 6,446 |
| Premises and equipment expense | $142,000 | 5,958 |
| Additional noninterest expense | $266,000 | 6,432 |
| Pre-tax net operating income | $-131,000 | 8,019 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-52,000 | 8,295 |
| Income before extraordinary items | $-79,000 | 7,964 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-79,000 | 7,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 973 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-79,000 | 7,957 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $708,000 | 7,067 |
| Total interest expense | $348,000 | 6,656 |
| Net interest income | $360,000 | 7,339 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $44,000 | 7,005 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $33,000 | 5,642 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $11,000 | 7,311 |
| Total noninterest expense | $423,000 | 6,695 |
| Salaries and employee benefits | $257,000 | 6,465 |
| Premises and equipment expense | $81,000 | 5,658 |
| Additional noninterest expense | $85,000 | 7,376 |
| Pre-tax net operating income | $-19,000 | 7,946 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-8,000 | 8,236 |
| Income before extraordinary items | $-11,000 | 7,915 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-11,000 | 7,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 800 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-11,000 | 7,903 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,086,000 | 6,714 |
| Total interest expense | $1,293,000 | 6,431 |
| Net interest income | $1,793,000 | 6,809 |
| Provision for loan and lease losses | $891,000 | 1,162 |
| Total noninterest income | $418,000 | 5,511 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $195,000 | 5,044 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $223,000 | 4,907 |
| Total noninterest expense | $1,807,000 | 6,429 |
| Salaries and employee benefits | $1,084,000 | 6,203 |
| Premises and equipment expense | $367,000 | 5,185 |
| Additional noninterest expense | $356,000 | 7,285 |
| Pre-tax net operating income | $-487,000 | 8,253 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-190,000 | 8,442 |
| Income before extraordinary items | $-297,000 | 8,195 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-297,000 | 8,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,260 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-297,000 | 8,194 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,337,000 | 6,725 |
| Total interest expense | $934,000 | 6,475 |
| Net interest income | $1,403,000 | 6,798 |
| Provision for loan and lease losses | $61,000 | 4,844 |
| Total noninterest income | $337,000 | 5,385 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $135,000 | 5,233 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $202,000 | 4,525 |
| Total noninterest expense | $1,308,000 | 6,522 |
| Salaries and employee benefits | $783,000 | 6,282 |
| Premises and equipment expense | $220,000 | 5,824 |
| Additional noninterest expense | $305,000 | 7,058 |
| Pre-tax net operating income | $371,000 | 6,722 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $132,000 | 4,629 |
| Income before extraordinary items | $239,000 | 7,015 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $239,000 | 7,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 1,143 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $239,000 | 7,018 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,565,000 | 6,702 |
| Total interest expense | $596,000 | 6,485 |
| Net interest income | $969,000 | 6,734 |
| Provision for loan and lease losses | $41,000 | 4,698 |
| Total noninterest income | $247,000 | 5,177 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $92,000 | 5,198 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $155,000 | 4,244 |
| Total noninterest expense | $882,000 | 6,533 |
| Salaries and employee benefits | $531,000 | 6,276 |
| Premises and equipment expense | $145,000 | 5,863 |
| Additional noninterest expense | $206,000 | 7,038 |
| Pre-tax net operating income | $293,000 | 6,507 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $109,000 | 4,411 |
| Income before extraordinary items | $184,000 | 6,874 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $184,000 | 6,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 959 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $184,000 | 6,882 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $789,000 | 6,674 |
| Total interest expense | $290,000 | 6,449 |
| Net interest income | $499,000 | 6,690 |
| Provision for loan and lease losses | $35,000 | 3,693 |
| Total noninterest income | $122,000 | 5,168 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $39,000 | 5,460 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $83,000 | 4,074 |
| Total noninterest expense | $438,000 | 6,553 |
| Salaries and employee benefits | $268,000 | 6,251 |
| Premises and equipment expense | $73,000 | 5,861 |
| Additional noninterest expense | $97,000 | 7,148 |
| Pre-tax net operating income | $148,000 | 6,442 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $55,000 | 4,377 |
| Income before extraordinary items | $93,000 | 6,842 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $93,000 | 6,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 958 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $93,000 | 6,837 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,930,000 | 6,647 |
| Total interest expense | $998,000 | 6,297 |
| Net interest income | $1,932,000 | 6,712 |
| Provision for loan and lease losses | $298,000 | 2,883 |
| Total noninterest income | $498,000 | 5,253 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $174,000 | 5,339 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $324,000 | 4,173 |
| Total noninterest expense | $1,808,000 | 6,398 |
| Salaries and employee benefits | $1,137,000 | 5,955 |
| Premises and equipment expense | $365,000 | 5,152 |
| Additional noninterest expense | $306,000 | 7,608 |
| Pre-tax net operating income | $324,000 | 7,309 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $121,000 | 5,211 |
| Income before extraordinary items | $203,000 | 7,568 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $203,000 | 7,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,800 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $203,000 | 7,538 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,152,000 | 6,691 |
| Total interest expense | $719,000 | 6,286 |
| Net interest income | $1,433,000 | 6,784 |
| Provision for loan and lease losses | $83,000 | 4,565 |
| Total noninterest income | $380,000 | 5,228 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $137,000 | 5,260 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $243,000 | 4,180 |
| Total noninterest expense | $1,262,000 | 6,599 |
| Salaries and employee benefits | $764,000 | 6,289 |
| Premises and equipment expense | $273,000 | 5,144 |
| Additional noninterest expense | $225,000 | 7,649 |
| Pre-tax net operating income | $468,000 | 6,511 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $177,000 | 4,593 |
| Income before extraordinary items | $291,000 | 6,962 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $291,000 | 6,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,579 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $291,000 | 6,922 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,404,000 | 6,712 |
| Total interest expense | $471,000 | 6,187 |
| Net interest income | $933,000 | 6,834 |
| Provision for loan and lease losses | $46,000 | 4,697 |
| Total noninterest income | $231,000 | 5,422 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $92,000 | 5,209 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $139,000 | 4,488 |
| Total noninterest expense | $823,000 | 6,664 |
| Salaries and employee benefits | $497,000 | 6,360 |
| Premises and equipment expense | $179,000 | 5,190 |
| Additional noninterest expense | $147,000 | 7,662 |
| Pre-tax net operating income | $295,000 | 6,609 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $111,000 | 4,681 |
| Income before extraordinary items | $184,000 | 7,050 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $184,000 | 7,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,003 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $184,000 | 7,013 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $676,000 | 6,821 |
| Total interest expense | $231,000 | 6,167 |
| Net interest income | $445,000 | 7,008 |
| Provision for loan and lease losses | $16,000 | 4,844 |
| Total noninterest income | $106,000 | 5,559 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $39,000 | 5,509 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $67,000 | 4,538 |
| Total noninterest expense | $407,000 | 6,722 |
| Salaries and employee benefits | $246,000 | 6,433 |
| Premises and equipment expense | $91,000 | 5,179 |
| Additional noninterest expense | $70,000 | 7,797 |
| Pre-tax net operating income | $128,000 | 6,853 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $48,000 | 4,803 |
| Income before extraordinary items | $80,000 | 7,232 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $80,000 | 7,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,610 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $80,000 | 7,200 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,683,000 | 6,728 |
| Total interest expense | $822,000 | 6,188 |
| Net interest income | $1,861,000 | 6,819 |
| Provision for loan and lease losses | $150,000 | 4,230 |
| Total noninterest income | $480,000 | 5,371 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $167,000 | 5,592 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $313,000 | 4,184 |
| Total noninterest expense | $1,615,000 | 6,681 |
| Salaries and employee benefits | $978,000 | 6,345 |
| Premises and equipment expense | $275,000 | 5,935 |
| Additional noninterest expense | $362,000 | 7,340 |
| Pre-tax net operating income | $576,000 | 6,464 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $219,000 | 4,638 |
| Income before extraordinary items | $357,000 | 6,986 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $357,000 | 6,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,767 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $357,000 | 6,934 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,994,000 | 6,759 |
| Total interest expense | $597,000 | 6,263 |
| Net interest income | $1,397,000 | 6,830 |
| Provision for loan and lease losses | $118,000 | 4,014 |
| Total noninterest income | $367,000 | 5,342 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $118,000 | 5,739 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $249,000 | 4,074 |
| Total noninterest expense | $1,153,000 | 6,793 |
| Salaries and employee benefits | $683,000 | 6,523 |
| Premises and equipment expense | $201,000 | 5,968 |
| Additional noninterest expense | $269,000 | 7,342 |
| Pre-tax net operating income | $493,000 | 6,357 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $189,000 | 4,533 |
| Income before extraordinary items | $304,000 | 6,868 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $304,000 | 6,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,153 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $304,000 | 6,797 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,306,000 | 6,837 |
| Total interest expense | $382,000 | 6,396 |
| Net interest income | $924,000 | 6,877 |
| Provision for loan and lease losses | $85,000 | 3,829 |
| Total noninterest income | $267,000 | 5,103 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $75,000 | 5,834 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $192,000 | 3,811 |
| Total noninterest expense | $757,000 | 6,871 |
| Salaries and employee benefits | $446,000 | 6,636 |
| Premises and equipment expense | $132,000 | 6,048 |
| Additional noninterest expense | $179,000 | 7,384 |
| Pre-tax net operating income | $349,000 | 6,190 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $132,000 | 4,458 |
| Income before extraordinary items | $217,000 | 6,740 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $217,000 | 6,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,817 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $217,000 | 6,653 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $640,000 | 6,920 |
| Total interest expense | $195,000 | 6,419 |
| Net interest income | $445,000 | 7,004 |
| Provision for loan and lease losses | $35,000 | 3,916 |
| Total noninterest income | $131,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $28,000 | 6,308 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $103,000 | 3,651 |
| Total noninterest expense | $362,000 | 7,030 |
| Salaries and employee benefits | $213,000 | 6,818 |
| Premises and equipment expense | $75,000 | 5,696 |
| Additional noninterest expense | $74,000 | 7,797 |
| Pre-tax net operating income | $179,000 | 6,077 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $68,000 | 4,390 |
| Income before extraordinary items | $111,000 | 6,682 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $111,000 | 6,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,212 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $111,000 | 6,562 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,384,000 | 7,165 |
| Total interest expense | $780,000 | 6,772 |
| Net interest income | $1,604,000 | 7,200 |
| Provision for loan and lease losses | $216,000 | 3,884 |
| Total noninterest income | $402,000 | 5,951 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $113,000 | 6,360 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $289,000 | 4,583 |
| Total noninterest expense | $1,349,000 | 7,171 |
| Salaries and employee benefits | $810,000 | 6,885 |
| Premises and equipment expense | $220,000 | 6,535 |
| Additional noninterest expense | $319,000 | 7,643 |
| Pre-tax net operating income | $441,000 | 6,880 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $114,000 | 5,580 |
| Income before extraordinary items | $327,000 | 7,150 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $327,000 | 7,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,563 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $327,000 | 7,009 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,754,000 | 7,298 |
| Total interest expense | $593,000 | 6,879 |
| Net interest income | $1,161,000 | 7,345 |
| Provision for loan and lease losses | $186,000 | 3,459 |
| Total noninterest income | $311,000 | 5,945 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $83,000 | 6,443 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $228,000 | 4,538 |
| Total noninterest expense | $936,000 | 7,361 |
| Salaries and employee benefits | $554,000 | 7,117 |
| Premises and equipment expense | $203,000 | 5,970 |
| Additional noninterest expense | $179,000 | 8,183 |
| Pre-tax net operating income | $350,000 | 6,950 |
| Securities gains (losses) | $9,000 | 3,379 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $359,000 | 6,602 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $359,000 | 6,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,532 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $350,000 | 6,478 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,136,000 | 7,422 |
| Total interest expense | $378,000 | 7,128 |
| Net interest income | $758,000 | 7,409 |
| Provision for loan and lease losses | $117,000 | 3,616 |
| Total noninterest income | $197,000 | 6,048 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $51,000 | 6,554 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $146,000 | 4,618 |
| Total noninterest expense | $610,000 | 7,443 |
| Salaries and employee benefits | $361,000 | 7,205 |
| Premises and equipment expense | $144,000 | 5,786 |
| Additional noninterest expense | $105,000 | 8,380 |
| Pre-tax net operating income | $228,000 | 6,984 |
| Securities gains (losses) | $9,000 | 2,996 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $237,000 | 6,638 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $237,000 | 6,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,501 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $228,000 | 6,514 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $556,000 | 7,508 |
| Total interest expense | $190,000 | 7,219 |
| Net interest income | $366,000 | 7,502 |
| Provision for loan and lease losses | $77,000 | 2,778 |
| Total noninterest income | $108,000 | 5,715 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $22,000 | 6,745 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $86,000 | 4,205 |
| Total noninterest expense | $299,000 | 7,524 |
| Salaries and employee benefits | $182,000 | 7,209 |
| Premises and equipment expense | $68,000 | 5,942 |
| Additional noninterest expense | $49,000 | 8,519 |
| Pre-tax net operating income | $98,000 | 7,223 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $105,000 | 6,805 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $105,000 | 6,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,563 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $98,000 | 6,777 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,123,000 | 7,719 |
| Total interest expense | $781,000 | 7,572 |
| Net interest income | $1,342,000 | 7,696 |
| Provision for loan and lease losses | $218,000 | 4,192 |
| Total noninterest income | $254,000 | 6,821 |
| Gross Fiduciary activities income | $75,000 | 1,045 |
| Service charges on deposit accounts | $10,000 | 8,083 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $169,000 | 5,349 |
| Total noninterest expense | $1,050,000 | 7,834 |
| Salaries and employee benefits | $636,000 | 7,563 |
| Premises and equipment expense | $173,000 | 7,122 |
| Additional noninterest expense | $241,000 | 8,237 |
| Pre-tax net operating income | $328,000 | 7,449 |
| Securities gains (losses) | $-28,000 | 9,027 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $300,000 | 7,322 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $300,000 | 7,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 3,476 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 715 |
| Net operating income | $328,000 | 7,082 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,971,000 | 8,240 |
| Total interest expense | $1,184,000 | 7,634 |
| Net interest income | $787,000 | 8,695 |
| Provision for loan and lease losses | $80,000 | 5,977 |
| Total noninterest income | $218,000 | 7,142 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $65,000 | 7,289 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $153,000 | 5,514 |
| Total noninterest expense | $823,000 | 8,403 |
| Salaries and employee benefits | $506,000 | 8,148 |
| Premises and equipment expense | $153,000 | 7,470 |
| Additional noninterest expense | $164,000 | 8,958 |
| Pre-tax net operating income | $102,000 | 8,316 |
| Securities gains (losses) | $-5,000 | 9,212 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $97,000 | 8,355 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $97,000 | 8,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,614 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $102,000 | 8,207 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $950,000 | 9,434 |
| Total interest expense | $536,000 | 9,176 |
| Net interest income | $414,000 | 9,567 |
| Provision for loan and lease losses | $117,000 | 5,008 |
| Total noninterest income | $126,000 | 8,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 8,252 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,317 |
| Total noninterest expense | $598,000 | 9,095 |
| Salaries and employee benefits | $367,000 | 8,918 |
| Premises and equipment expense | $96,000 | 8,515 |
| Additional noninterest expense | $135,000 | 9,370 |
| Pre-tax net operating income | $-175,000 | 9,316 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-175,000 | 9,350 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-175,000 | 9,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,148 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 753 |
| Net operating income | $-175,000 | 9,348 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $114,000 | 10,173 |
| Total interest expense | $9,000 | 10,175 |
| Net interest income | $105,000 | 10,149 |
| Provision for loan and lease losses | $50,000 | 6,505 |
| Total noninterest income | $0 | 10,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $402,000 | 9,873 |
| Salaries and employee benefits | $196,000 | 9,930 |
| Premises and equipment expense | $44,000 | 9,748 |
| Additional noninterest expense | $162,000 | 9,416 |
| Pre-tax net operating income | $-347,000 | 9,744 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-347,000 | 9,805 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-347,000 | 9,805 |
| 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 | $3,684,000 | 320 |
| Net operating income | $-347,000 | 9,784 |
* 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.