Home > The Bank of Tallahassee > Income and Expense
The Bank of Tallahassee, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,730,000 | 5,060 |
| Total interest expense | $2,512,000 | 4,732 |
| Net interest income | $3,218,000 | 5,213 |
| Provision for loan and lease losses | $2,600,000 | 1,529 |
| Total noninterest income | $330,000 | 5,672 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $236,000 | 4,479 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $94,000 | 6,009 |
| Total noninterest expense | $12,521,000 | 1,561 |
| Salaries and employee benefits | $1,532,000 | 5,273 |
| Premises and equipment expense | $641,000 | 3,730 |
| Additional noninterest expense | $10,348,000 | 663 |
| Pre-tax net operating income | $-11,573,000 | 8,019 |
| Securities gains (losses) | $97,000 | 1,147 |
| Applicable income taxes | $-1,030,000 | 7,716 |
| Income before extraordinary items | $-10,446,000 | 8,006 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-10,446,000 | 8,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 3,501 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $274,000 | 689 |
| Net operating income | $-10,534,270 | 8,037 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,310,000 | 5,142 |
| Total interest expense | $1,934,000 | 4,781 |
| Net interest income | $2,376,000 | 5,301 |
| Provision for loan and lease losses | $208,000 | 4,152 |
| Total noninterest income | $243,000 | 5,766 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $169,000 | 4,605 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $74,000 | 6,057 |
| Total noninterest expense | $2,358,000 | 4,949 |
| Salaries and employee benefits | $1,085,000 | 5,453 |
| Premises and equipment expense | $448,000 | 3,954 |
| Additional noninterest expense | $825,000 | 4,473 |
| Pre-tax net operating income | $53,000 | 6,579 |
| Securities gains (losses) | $12,000 | 2,294 |
| Applicable income taxes | $22,000 | 4,556 |
| Income before extraordinary items | $43,000 | 6,438 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $43,000 | 6,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,512 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 811 |
| Net operating income | $35,080 | 6,632 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,854,000 | 5,232 |
| Total interest expense | $1,332,000 | 4,834 |
| Net interest income | $1,522,000 | 5,429 |
| Provision for loan and lease losses | $48,000 | 5,233 |
| Total noninterest income | $161,000 | 5,852 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $113,000 | 4,608 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $48,000 | 6,189 |
| Total noninterest expense | $1,531,000 | 5,063 |
| Salaries and employee benefits | $703,000 | 5,589 |
| Premises and equipment expense | $291,000 | 4,047 |
| Additional noninterest expense | $537,000 | 4,524 |
| Pre-tax net operating income | $104,000 | 6,371 |
| Securities gains (losses) | $12,000 | 2,370 |
| Applicable income taxes | $38,000 | 4,270 |
| Income before extraordinary items | $78,000 | 6,495 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $78,000 | 6,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,297 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 718 |
| Net operating income | $69,960 | 6,493 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,450,000 | 5,281 |
| Total interest expense | $681,000 | 4,948 |
| Net interest income | $769,000 | 5,414 |
| Provision for loan and lease losses | $23,000 | 4,788 |
| Total noninterest income | $81,000 | 5,841 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $57,000 | 4,544 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $24,000 | 6,230 |
| Total noninterest expense | $769,000 | 5,058 |
| Salaries and employee benefits | $381,000 | 5,397 |
| Premises and equipment expense | $148,000 | 4,024 |
| Additional noninterest expense | $240,000 | 4,816 |
| Pre-tax net operating income | $58,000 | 6,508 |
| Securities gains (losses) | $12,000 | 1,897 |
| Applicable income taxes | $23,000 | 4,277 |
| Income before extraordinary items | $47,000 | 6,627 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $47,000 | 6,628 |
| 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 | $30,000 | 594 |
| Net operating income | $38,960 | 6,654 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,980,000 | 6,234 |
| Total interest expense | $1,774,000 | 6,084 |
| Net interest income | $2,206,000 | 6,289 |
| Provision for loan and lease losses | $19,000 | 6,366 |
| Total noninterest income | $174,000 | 6,931 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $110,000 | 5,894 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $64,000 | 6,820 |
| Total noninterest expense | $2,090,000 | 6,101 |
| Salaries and employee benefits | $901,000 | 6,698 |
| Premises and equipment expense | $364,000 | 5,298 |
| Additional noninterest expense | $825,000 | 5,246 |
| Pre-tax net operating income | $271,000 | 6,678 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $117,000 | 4,355 |
| Income before extraordinary items | $154,000 | 6,943 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $154,000 | 6,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,709 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 980 |
| Net operating income | $154,000 | 6,921 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,499,000 | 6,663 |
| Total interest expense | $1,130,000 | 6,453 |
| Net interest income | $1,369,000 | 6,761 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $100,000 | 7,318 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $62,000 | 6,296 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $38,000 | 7,108 |
| Total noninterest expense | $1,192,000 | 6,765 |
| Salaries and employee benefits | $507,000 | 7,296 |
| Premises and equipment expense | $225,000 | 5,784 |
| Additional noninterest expense | $460,000 | 6,029 |
| Pre-tax net operating income | $277,000 | 6,655 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $91,000 | 4,529 |
| Income before extraordinary items | $186,000 | 6,874 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $186,000 | 6,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,441 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 887 |
| Net operating income | $186,000 | 6,864 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,025,000 | 7,600 |
| Total interest expense | $449,000 | 7,381 |
| Net interest income | $576,000 | 7,661 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $43,000 | 7,805 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $28,000 | 6,731 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $15,000 | 7,629 |
| Total noninterest expense | $440,000 | 7,859 |
| Salaries and employee benefits | $192,000 | 8,140 |
| Premises and equipment expense | $91,000 | 6,934 |
| Additional noninterest expense | $157,000 | 7,498 |
| Pre-tax net operating income | $179,000 | 6,764 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $78,000 | 4,370 |
| Income before extraordinary items | $101,000 | 7,115 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $101,000 | 7,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 903 |
| Net operating income | $101,000 | 7,101 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,457,000 | 5,359 |
| Total interest expense | $791,000 | 4,598 |
| Net interest income | $666,000 | 5,880 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $67,000 | 6,329 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $42,000 | 5,203 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $25,000 | 6,275 |
| Total noninterest expense | $593,000 | 5,788 |
| Salaries and employee benefits | $301,000 | 6,043 |
| Premises and equipment expense | $136,000 | 4,150 |
| Additional noninterest expense | $156,000 | 6,015 |
| Pre-tax net operating income | $110,000 | 6,542 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $110,000 | 6,239 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $110,000 | 6,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $110,000 | 6,222 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,135,000 | 5,479 |
| Total interest expense | $2,556,000 | 4,765 |
| Net interest income | $2,579,000 | 5,932 |
| Provision for loan and lease losses | $181,000 | 3,687 |
| Total noninterest income | $239,000 | 6,608 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $141,000 | 5,626 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $98,000 | 6,364 |
| Total noninterest expense | $2,295,000 | 5,746 |
| Salaries and employee benefits | $1,190,000 | 5,943 |
| Premises and equipment expense | $530,000 | 4,111 |
| Additional noninterest expense | $575,000 | 6,174 |
| Pre-tax net operating income | $342,000 | 6,978 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $342,000 | 6,741 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $342,000 | 6,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,935 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $342,000 | 6,748 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,745,000 | 5,560 |
| Total interest expense | $1,813,000 | 4,839 |
| Net interest income | $1,932,000 | 5,996 |
| Provision for loan and lease losses | $130,000 | 3,706 |
| Total noninterest income | $179,000 | 6,670 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $102,000 | 5,761 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $77,000 | 6,285 |
| Total noninterest expense | $1,727,000 | 5,725 |
| Salaries and employee benefits | $891,000 | 5,907 |
| Premises and equipment expense | $399,000 | 4,119 |
| Additional noninterest expense | $437,000 | 6,148 |
| Pre-tax net operating income | $254,000 | 7,213 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $254,000 | 6,954 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $254,000 | 6,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $254,000 | 6,959 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,347,000 | 5,710 |
| Total interest expense | $1,100,000 | 4,973 |
| Net interest income | $1,247,000 | 6,121 |
| Provision for loan and lease losses | $103,000 | 3,273 |
| Total noninterest income | $110,000 | 6,811 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $66,000 | 5,810 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $44,000 | 6,558 |
| Total noninterest expense | $1,130,000 | 5,803 |
| Salaries and employee benefits | $587,000 | 5,974 |
| Premises and equipment expense | $260,000 | 4,176 |
| Additional noninterest expense | $283,000 | 6,250 |
| Pre-tax net operating income | $124,000 | 7,544 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $124,000 | 7,353 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $124,000 | 7,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $124,000 | 7,354 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,076,000 | 5,904 |
| Total interest expense | $469,000 | 5,289 |
| Net interest income | $607,000 | 6,203 |
| Provision for loan and lease losses | $17,000 | 4,701 |
| Total noninterest income | $56,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $34,000 | 5,706 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,566 |
| Total noninterest expense | $572,000 | 5,769 |
| Salaries and employee benefits | $297,000 | 5,962 |
| Premises and equipment expense | $131,000 | 4,167 |
| Additional noninterest expense | $144,000 | 6,179 |
| Pre-tax net operating income | $74,000 | 7,388 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $74,000 | 7,134 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $74,000 | 7,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $74,000 | 7,135 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,498,000 | 6,184 |
| Total interest expense | $1,399,000 | 5,418 |
| Net interest income | $2,099,000 | 6,528 |
| Provision for loan and lease losses | $148,000 | 4,176 |
| Total noninterest income | $182,000 | 7,209 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $102,000 | 6,267 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $80,000 | 6,751 |
| Total noninterest expense | $1,826,000 | 6,378 |
| Salaries and employee benefits | $978,000 | 6,407 |
| Premises and equipment expense | $320,000 | 5,554 |
| Additional noninterest expense | $528,000 | 6,424 |
| Pre-tax net operating income | $307,000 | 7,352 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $309,000 | 7,145 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $309,000 | 7,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,434 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $307,000 | 7,137 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,478,000 | 6,348 |
| Total interest expense | $963,000 | 5,541 |
| Net interest income | $1,515,000 | 6,649 |
| Provision for loan and lease losses | $129,000 | 3,777 |
| Total noninterest income | $126,000 | 7,357 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $69,000 | 6,447 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,861 |
| Total noninterest expense | $1,302,000 | 6,505 |
| Salaries and employee benefits | $708,000 | 6,508 |
| Premises and equipment expense | $206,000 | 5,962 |
| Additional noninterest expense | $388,000 | 6,445 |
| Pre-tax net operating income | $210,000 | 7,584 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $212,000 | 7,384 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $212,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,700 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $210,000 | 7,358 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,529,000 | 6,511 |
| Total interest expense | $577,000 | 5,670 |
| Net interest income | $952,000 | 6,783 |
| Provision for loan and lease losses | $104,000 | 3,302 |
| Total noninterest income | $85,000 | 7,319 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $46,000 | 6,418 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $39,000 | 6,823 |
| Total noninterest expense | $831,000 | 6,643 |
| Salaries and employee benefits | $445,000 | 6,667 |
| Premises and equipment expense | $137,000 | 5,971 |
| Additional noninterest expense | $249,000 | 6,550 |
| Pre-tax net operating income | $102,000 | 7,840 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $104,000 | 7,708 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $104,000 | 7,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $102,000 | 7,677 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $700,000 | 6,746 |
| Total interest expense | $252,000 | 5,946 |
| Net interest income | $448,000 | 6,992 |
| Provision for loan and lease losses | $62,000 | 2,802 |
| Total noninterest income | $41,000 | 7,388 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $22,000 | 6,479 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,923 |
| Total noninterest expense | $391,000 | 6,833 |
| Salaries and employee benefits | $202,000 | 6,950 |
| Premises and equipment expense | $69,000 | 5,998 |
| Additional noninterest expense | $120,000 | 6,679 |
| Pre-tax net operating income | $36,000 | 8,080 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $38,000 | 7,964 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $38,000 | 7,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $36,000 | 7,974 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,037,000 | 7,343 |
| Total interest expense | $680,000 | 6,660 |
| Net interest income | $1,357,000 | 7,510 |
| Provision for loan and lease losses | $70,000 | 5,501 |
| Total noninterest income | $122,000 | 7,875 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $75,000 | 6,866 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $47,000 | 7,478 |
| Total noninterest expense | $1,322,000 | 7,223 |
| Salaries and employee benefits | $651,000 | 7,470 |
| Premises and equipment expense | $238,000 | 6,319 |
| Additional noninterest expense | $433,000 | 6,942 |
| Pre-tax net operating income | $87,000 | 8,150 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $87,000 | 8,154 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $87,000 | 8,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $2,691,000 | 306 |
| Net operating income | $87,000 | 8,112 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,421,000 | 7,518 |
| Total interest expense | $462,000 | 6,897 |
| Net interest income | $959,000 | 7,661 |
| Provision for loan and lease losses | $57,000 | 5,224 |
| Total noninterest income | $88,000 | 7,950 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $56,000 | 6,905 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 7,635 |
| Total noninterest expense | $955,000 | 7,278 |
| Salaries and employee benefits | $469,000 | 7,508 |
| Premises and equipment expense | $169,000 | 6,448 |
| Additional noninterest expense | $317,000 | 6,969 |
| Pre-tax net operating income | $35,000 | 8,352 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $35,000 | 8,373 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $35,000 | 8,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $2,691,000 | 223 |
| Net operating income | $35,000 | 8,332 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $876,000 | 7,715 |
| Total interest expense | $281,000 | 7,129 |
| Net interest income | $595,000 | 7,834 |
| Provision for loan and lease losses | $35,000 | 5,187 |
| Total noninterest income | $54,000 | 8,092 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $36,000 | 6,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 7,850 |
| Total noninterest expense | $609,000 | 7,430 |
| Salaries and employee benefits | $298,000 | 7,693 |
| Premises and equipment expense | $85,000 | 7,103 |
| Additional noninterest expense | $226,000 | 6,840 |
| Pre-tax net operating income | $5,000 | 8,492 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $5,000 | 8,538 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,000 | 8,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $2,626,000 | 153 |
| Net operating income | $5,000 | 8,489 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $413,000 | 7,852 |
| Total interest expense | $128,000 | 7,392 |
| Net interest income | $285,000 | 7,941 |
| Provision for loan and lease losses | $23,000 | 4,653 |
| Total noninterest income | $24,000 | 8,222 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $17,000 | 7,025 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $7,000 | 8,076 |
| Total noninterest expense | $299,000 | 7,506 |
| Salaries and employee benefits | $146,000 | 7,753 |
| Premises and equipment expense | $50,000 | 6,793 |
| Additional noninterest expense | $103,000 | 7,078 |
| Pre-tax net operating income | $-13,000 | 8,620 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-13,000 | 8,666 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-13,000 | 8,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-13,000 | 8,615 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,184,000 | 8,414 |
| Total interest expense | $349,000 | 8,293 |
| Net interest income | $835,000 | 8,356 |
| Provision for loan and lease losses | $116,000 | 5,097 |
| Total noninterest income | $62,000 | 8,683 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $50,000 | 7,429 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $12,000 | 8,712 |
| Total noninterest expense | $1,032,000 | 7,809 |
| Salaries and employee benefits | $505,000 | 8,064 |
| Premises and equipment expense | $111,000 | 7,926 |
| Additional noninterest expense | $416,000 | 7,060 |
| Pre-tax net operating income | $-251,000 | 8,724 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-251,000 | 8,803 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-251,000 | 8,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-251,000 | 8,739 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $797,000 | 8,616 |
| Total interest expense | $237,000 | 8,518 |
| Net interest income | $560,000 | 8,561 |
| Provision for loan and lease losses | $101,000 | 4,636 |
| Total noninterest income | $40,000 | 8,838 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $31,000 | 7,618 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,738 |
| Total noninterest expense | $790,000 | 7,764 |
| Salaries and employee benefits | $373,000 | 8,086 |
| Premises and equipment expense | $113,000 | 7,400 |
| Additional noninterest expense | $304,000 | 7,104 |
| Pre-tax net operating income | $-291,000 | 8,864 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-291,000 | 8,941 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-291,000 | 8,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,966 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-291,000 | 8,876 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $475,000 | 8,760 |
| Total interest expense | $135,000 | 8,740 |
| Net interest income | $340,000 | 8,693 |
| Provision for loan and lease losses | $44,000 | 5,358 |
| Total noninterest income | $25,000 | 8,890 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $18,000 | 7,723 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $7,000 | 8,670 |
| Total noninterest expense | $527,000 | 7,779 |
| Salaries and employee benefits | $242,000 | 8,146 |
| Premises and equipment expense | $74,000 | 7,447 |
| Additional noninterest expense | $211,000 | 7,001 |
| Pre-tax net operating income | $-206,000 | 8,922 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-206,000 | 9,006 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-206,000 | 9,005 |
| 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 | $-206,000 | 8,933 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $207,000 | 8,916 |
| Total interest expense | $57,000 | 8,908 |
| Net interest income | $150,000 | 8,847 |
| Provision for loan and lease losses | $13,000 | 5,878 |
| Total noninterest income | $11,000 | 8,960 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,000 | 7,710 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $276,000 | 7,702 |
| Salaries and employee benefits | $121,000 | 8,179 |
| Premises and equipment expense | $38,000 | 7,422 |
| Additional noninterest expense | $117,000 | 6,723 |
| Pre-tax net operating income | $-128,000 | 9,011 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-128,000 | 9,074 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-128,000 | 9,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-128,000 | 9,008 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $690,000 | 9,062 |
| Total interest expense | $200,000 | 9,066 |
| Net interest income | $490,000 | 9,009 |
| Provision for loan and lease losses | $101,000 | 5,673 |
| Total noninterest income | $22,000 | 9,163 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $16,000 | 8,021 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,000 | 9,043 |
| Total noninterest expense | $965,000 | 8,006 |
| Salaries and employee benefits | $480,000 | 8,218 |
| Premises and equipment expense | $132,000 | 7,696 |
| Additional noninterest expense | $353,000 | 7,456 |
| Pre-tax net operating income | $-554,000 | 9,004 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-553,000 | 9,056 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-553,000 | 9,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-554,000 | 9,017 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $78,000 | 9,580 |
| Total interest expense | $6,000 | 9,573 |
| Net interest income | $72,000 | 9,564 |
| Provision for loan and lease losses | $8,000 | 8,004 |
| Total noninterest income | $1,000 | 9,549 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,000 | 9,443 |
| Total noninterest expense | $471,000 | 9,234 |
| Salaries and employee benefits | $207,000 | 9,385 |
| Premises and equipment expense | $67,000 | 8,842 |
| Additional noninterest expense | $197,000 | 8,680 |
| Pre-tax net operating income | $-406,000 | 9,111 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-406,000 | 9,184 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-406,000 | 9,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $6,300,000 | 137 |
| Net operating income | $-406,000 | 9,141 |
* 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.