Home > The Peachtree Bank > Income and Expense
The Peachtree Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,339,000 | 2,928 |
| Total interest expense | $1,977,000 | 2,255 |
| Net interest income | $1,362,000 | 3,733 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $69,000 | 6,144 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $42,000 | 5,126 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $27,000 | 6,042 |
| Total noninterest expense | $933,000 | 4,450 |
| Salaries and employee benefits | $590,000 | 4,021 |
| Premises and equipment expense | $80,000 | 5,724 |
| Additional noninterest expense | $263,000 | 4,531 |
| Pre-tax net operating income | $498,000 | 3,078 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $196,000 | 1,999 |
| Income before extraordinary items | $302,000 | 3,780 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $302,000 | 3,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,840,000 | 130 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $302,000 | 3,703 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $47,083,000 | 889 |
| Total interest expense | $23,898,000 | 825 |
| Net interest income | $23,185,000 | 949 |
| Provision for loan and lease losses | $5,652,000 | 371 |
| Total noninterest income | $1,193,000 | 3,151 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $320,000 | 3,961 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $873,000 | 2,426 |
| Total noninterest expense | $10,619,000 | 1,747 |
| Salaries and employee benefits | $6,112,000 | 1,638 |
| Premises and equipment expense | $927,000 | 2,740 |
| Additional noninterest expense | $3,580,000 | 1,547 |
| Pre-tax net operating income | $8,107,000 | 1,038 |
| Securities gains (losses) | $237,000 | 409 |
| Applicable income taxes | $2,889,000 | 840 |
| Income before extraordinary items | $5,455,000 | 1,176 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,455,000 | 1,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,972,000 | 624 |
| Cash dividends | $500,000 | 3,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $5,300,950 | 1,199 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $36,403,000 | 864 |
| Total interest expense | $18,136,000 | 814 |
| Net interest income | $18,267,000 | 905 |
| Provision for loan and lease losses | $1,337,000 | 702 |
| Total noninterest income | $948,000 | 3,030 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $229,000 | 4,051 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $719,000 | 2,280 |
| Total noninterest expense | $7,698,000 | 1,784 |
| Salaries and employee benefits | $4,542,000 | 1,665 |
| Premises and equipment expense | $689,000 | 2,746 |
| Additional noninterest expense | $2,467,000 | 1,651 |
| Pre-tax net operating income | $10,180,000 | 688 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $3,637,000 | 596 |
| Income before extraordinary items | $6,543,000 | 799 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,543,000 | 797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,785,000 | 437 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $6,543,000 | 789 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $24,365,000 | 863 |
| Total interest expense | $11,966,000 | 823 |
| Net interest income | $12,399,000 | 900 |
| Provision for loan and lease losses | $1,037,000 | 571 |
| Total noninterest income | $580,000 | 3,231 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $151,000 | 4,076 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $429,000 | 2,476 |
| Total noninterest expense | $5,001,000 | 1,844 |
| Salaries and employee benefits | $2,966,000 | 1,731 |
| Premises and equipment expense | $465,000 | 2,735 |
| Additional noninterest expense | $1,570,000 | 1,737 |
| Pre-tax net operating income | $6,941,000 | 710 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,523,000 | 603 |
| Income before extraordinary items | $4,418,000 | 827 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,418,000 | 826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,283,000 | 381 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $4,418,000 | 814 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,126,000 | 857 |
| Total interest expense | $5,797,000 | 845 |
| Net interest income | $6,329,000 | 883 |
| Provision for loan and lease losses | $220,000 | 1,090 |
| Total noninterest income | $291,000 | 3,173 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $79,000 | 3,930 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $212,000 | 2,459 |
| Total noninterest expense | $2,582,000 | 1,788 |
| Salaries and employee benefits | $1,582,000 | 1,642 |
| Premises and equipment expense | $235,000 | 2,728 |
| Additional noninterest expense | $765,000 | 1,751 |
| Pre-tax net operating income | $3,818,000 | 648 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,399,000 | 562 |
| Income before extraordinary items | $2,419,000 | 748 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,419,000 | 747 |
| 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 | $2,419,000 | 739 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,857,000 | 3,130 |
| Total interest expense | $4,841,000 | 3,114 |
| Net interest income | $7,016,000 | 3,099 |
| Provision for loan and lease losses | $61,000 | 5,306 |
| Total noninterest income | $366,000 | 5,782 |
| Gross Fiduciary activities income | $6,000 | 1,339 |
| Service charges on deposit accounts | $84,000 | 6,375 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $276,000 | 4,462 |
| Total noninterest expense | $2,495,000 | 5,485 |
| Salaries and employee benefits | $1,413,000 | 5,392 |
| Premises and equipment expense | $279,000 | 5,927 |
| Additional noninterest expense | $803,000 | 5,220 |
| Pre-tax net operating income | $4,826,000 | 1,951 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,810,000 | 1,439 |
| Income before extraordinary items | $3,016,000 | 2,275 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,016,000 | 2,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,486 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,016,000 | 2,252 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $30,261,000 | 963 |
| Total interest expense | $13,119,000 | 931 |
| Net interest income | $17,142,000 | 991 |
| Provision for loan and lease losses | $2,210,000 | 364 |
| Total noninterest income | $1,155,000 | 2,663 |
| Gross Fiduciary activities income | $13,000 | 1,175 |
| Service charges on deposit accounts | $234,000 | 4,068 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $908,000 | 1,964 |
| Total noninterest expense | $8,486,000 | 1,584 |
| Salaries and employee benefits | $4,690,000 | 1,590 |
| Premises and equipment expense | $706,000 | 2,620 |
| Additional noninterest expense | $3,090,000 | 1,296 |
| Pre-tax net operating income | $7,601,000 | 1,013 |
| Securities gains (losses) | $-27,000 | 7,950 |
| Applicable income taxes | $2,703,000 | 860 |
| Income before extraordinary items | $4,871,000 | 1,174 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,871,000 | 1,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,992 |
| Cash dividends | $1,455,000 | 1,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,888,280 | 1,155 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $19,140,000 | 999 |
| Total interest expense | $8,113,000 | 954 |
| Net interest income | $11,027,000 | 1,034 |
| Provision for loan and lease losses | $700,000 | 716 |
| Total noninterest income | $738,000 | 2,736 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $161,000 | 3,996 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $577,000 | 2,020 |
| Total noninterest expense | $4,825,000 | 1,844 |
| Salaries and employee benefits | $2,806,000 | 1,747 |
| Premises and equipment expense | $450,000 | 2,720 |
| Additional noninterest expense | $1,569,000 | 1,686 |
| Pre-tax net operating income | $6,240,000 | 833 |
| Securities gains (losses) | $-27,000 | 8,184 |
| Applicable income taxes | $2,210,000 | 736 |
| Income before extraordinary items | $4,003,000 | 961 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,003,000 | 962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $549,000 | 2,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,020,280 | 934 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,919,000 | 1,043 |
| Total interest expense | $3,800,000 | 960 |
| Net interest income | $5,119,000 | 1,104 |
| Provision for loan and lease losses | $225,000 | 1,018 |
| Total noninterest income | $348,000 | 2,798 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $80,000 | 3,936 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $268,000 | 2,103 |
| Total noninterest expense | $2,363,000 | 1,884 |
| Salaries and employee benefits | $1,392,000 | 1,765 |
| Premises and equipment expense | $224,000 | 2,731 |
| Additional noninterest expense | $747,000 | 1,750 |
| Pre-tax net operating income | $2,879,000 | 881 |
| Securities gains (losses) | $-27,000 | 8,441 |
| Applicable income taxes | $979,000 | 799 |
| Income before extraordinary items | $1,873,000 | 1,019 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,873,000 | 1,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $165,000 | 2,621 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,890,820 | 992 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $27,107,000 | 1,234 |
| Total interest expense | $10,557,000 | 1,062 |
| Net interest income | $16,550,000 | 1,321 |
| Provision for loan and lease losses | $754,000 | 1,331 |
| Total noninterest income | $2,094,000 | 2,142 |
| Gross Fiduciary activities income | $14,000 | 1,245 |
| Service charges on deposit accounts | $302,000 | 4,167 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,778,000 | 1,467 |
| Total noninterest expense | $9,321,000 | 1,819 |
| Salaries and employee benefits | $5,585,000 | 1,681 |
| Premises and equipment expense | $955,000 | 2,467 |
| Additional noninterest expense | $2,781,000 | 1,817 |
| Pre-tax net operating income | $8,569,000 | 1,131 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,189,000 | 920 |
| Income before extraordinary items | $5,380,000 | 1,329 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,380,000 | 1,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,766 |
| Cash dividends | $489,000 | 3,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,380,000 | 1,311 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,984,000 | 1,278 |
| Total interest expense | $7,291,000 | 1,093 |
| Net interest income | $11,693,000 | 1,379 |
| Provision for loan and lease losses | $529,000 | 1,337 |
| Total noninterest income | $1,644,000 | 2,062 |
| Gross Fiduciary activities income | $10,000 | 1,214 |
| Service charges on deposit accounts | $225,000 | 4,207 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,409,000 | 1,419 |
| Total noninterest expense | $6,935,000 | 1,816 |
| Salaries and employee benefits | $4,185,000 | 1,652 |
| Premises and equipment expense | $717,000 | 2,454 |
| Additional noninterest expense | $2,033,000 | 1,834 |
| Pre-tax net operating income | $5,873,000 | 1,217 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,194,000 | 991 |
| Income before extraordinary items | $3,679,000 | 1,447 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,679,000 | 1,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,839 |
| Cash dividends | $333,000 | 3,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,679,000 | 1,423 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,850,000 | 1,327 |
| Total interest expense | $4,505,000 | 1,106 |
| Net interest income | $7,345,000 | 1,450 |
| Provision for loan and lease losses | $254,000 | 1,755 |
| Total noninterest income | $1,036,000 | 2,121 |
| Gross Fiduciary activities income | $6,000 | 1,239 |
| Service charges on deposit accounts | $148,000 | 4,183 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $882,000 | 1,471 |
| Total noninterest expense | $4,519,000 | 1,833 |
| Salaries and employee benefits | $2,725,000 | 1,685 |
| Premises and equipment expense | $478,000 | 2,430 |
| Additional noninterest expense | $1,316,000 | 1,871 |
| Pre-tax net operating income | $3,608,000 | 1,298 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,349,000 | 1,039 |
| Income before extraordinary items | $2,259,000 | 1,529 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,259,000 | 1,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,656 |
| Cash dividends | $193,000 | 3,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,259,000 | 1,504 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,483,000 | 1,405 |
| Total interest expense | $2,092,000 | 1,123 |
| Net interest income | $3,391,000 | 1,565 |
| Provision for loan and lease losses | $82,000 | 2,374 |
| Total noninterest income | $512,000 | 2,105 |
| Gross Fiduciary activities income | $2,000 | 1,263 |
| Service charges on deposit accounts | $66,000 | 4,389 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $444,000 | 1,446 |
| Total noninterest expense | $2,180,000 | 1,899 |
| Salaries and employee benefits | $1,300,000 | 1,779 |
| Premises and equipment expense | $240,000 | 2,439 |
| Additional noninterest expense | $640,000 | 1,916 |
| Pre-tax net operating income | $1,641,000 | 1,391 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $612,000 | 1,130 |
| Income before extraordinary items | $1,029,000 | 1,622 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,029,000 | 1,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,991 |
| Cash dividends | $66,000 | 3,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,029,000 | 1,602 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,033,000 | 1,680 |
| Total interest expense | $4,963,000 | 1,648 |
| Net interest income | $12,070,000 | 1,683 |
| Provision for loan and lease losses | $963,000 | 1,074 |
| Total noninterest income | $1,576,000 | 2,598 |
| Gross Fiduciary activities income | $73,000 | 999 |
| Service charges on deposit accounts | $287,000 | 4,415 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,216,000 | 1,892 |
| Total noninterest expense | $8,277,000 | 1,938 |
| Salaries and employee benefits | $4,959,000 | 1,777 |
| Premises and equipment expense | $901,000 | 2,515 |
| Additional noninterest expense | $2,417,000 | 2,029 |
| Pre-tax net operating income | $4,406,000 | 1,884 |
| Securities gains (losses) | $149,000 | 988 |
| Applicable income taxes | $1,691,000 | 1,465 |
| Income before extraordinary items | $2,864,000 | 2,168 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,864,000 | 2,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,429 |
| Cash dividends | $214,000 | 4,785 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,768,640 | 2,174 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,927,000 | 1,777 |
| Total interest expense | $3,386,000 | 1,770 |
| Net interest income | $8,541,000 | 1,762 |
| Provision for loan and lease losses | $744,000 | 1,026 |
| Total noninterest income | $1,226,000 | 2,540 |
| Gross Fiduciary activities income | $67,000 | 963 |
| Service charges on deposit accounts | $223,000 | 4,376 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $936,000 | 1,854 |
| Total noninterest expense | $6,248,000 | 1,919 |
| Salaries and employee benefits | $3,762,000 | 1,743 |
| Premises and equipment expense | $689,000 | 2,454 |
| Additional noninterest expense | $1,797,000 | 2,005 |
| Pre-tax net operating income | $2,775,000 | 2,202 |
| Securities gains (losses) | $149,000 | 939 |
| Applicable income taxes | $1,072,000 | 1,674 |
| Income before extraordinary items | $1,852,000 | 2,494 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,852,000 | 2,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,607 |
| Cash dividends | $155,000 | 4,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,756,640 | 2,536 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,491,000 | 1,865 |
| Total interest expense | $2,080,000 | 1,906 |
| Net interest income | $5,411,000 | 1,844 |
| Provision for loan and lease losses | $534,000 | 929 |
| Total noninterest income | $897,000 | 2,374 |
| Gross Fiduciary activities income | $47,000 | 960 |
| Service charges on deposit accounts | $151,000 | 4,319 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $699,000 | 1,717 |
| Total noninterest expense | $4,213,000 | 1,897 |
| Salaries and employee benefits | $2,570,000 | 1,710 |
| Premises and equipment expense | $447,000 | 2,521 |
| Additional noninterest expense | $1,196,000 | 2,005 |
| Pre-tax net operating income | $1,561,000 | 2,500 |
| Securities gains (losses) | $149,000 | 790 |
| Applicable income taxes | $601,000 | 1,924 |
| Income before extraordinary items | $1,109,000 | 2,690 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,109,000 | 2,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,000 |
| Cash dividends | $103,000 | 4,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,012,150 | 2,823 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,577,000 | 1,962 |
| Total interest expense | $998,000 | 1,988 |
| Net interest income | $2,579,000 | 1,932 |
| Provision for loan and lease losses | $288,000 | 867 |
| Total noninterest income | $376,000 | 2,651 |
| Gross Fiduciary activities income | $15,000 | 1,045 |
| Service charges on deposit accounts | $79,000 | 4,141 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $282,000 | 1,958 |
| Total noninterest expense | $2,023,000 | 1,979 |
| Salaries and employee benefits | $1,237,000 | 1,788 |
| Premises and equipment expense | $216,000 | 2,624 |
| Additional noninterest expense | $570,000 | 2,071 |
| Pre-tax net operating income | $644,000 | 2,896 |
| Securities gains (losses) | $38,000 | 1,356 |
| Applicable income taxes | $250,000 | 2,201 |
| Income before extraordinary items | $432,000 | 3,303 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $432,000 | 3,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,486 |
| Cash dividends | $53,000 | 3,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $407,680 | 3,345 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,299,000 | 2,520 |
| Total interest expense | $3,614,000 | 2,438 |
| Net interest income | $7,685,000 | 2,508 |
| Provision for loan and lease losses | $972,000 | 1,218 |
| Total noninterest income | $1,752,000 | 2,548 |
| Gross Fiduciary activities income | $49,000 | 1,080 |
| Service charges on deposit accounts | $330,000 | 4,088 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,373,000 | 1,941 |
| Total noninterest expense | $6,888,000 | 2,290 |
| Salaries and employee benefits | $3,924,000 | 2,166 |
| Premises and equipment expense | $723,000 | 3,003 |
| Additional noninterest expense | $2,241,000 | 2,153 |
| Pre-tax net operating income | $1,577,000 | 3,999 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $535,000 | 3,266 |
| Income before extraordinary items | $1,042,000 | 4,527 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,042,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,636 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,042,000 | 4,356 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,994,000 | 2,695 |
| Total interest expense | $2,684,000 | 2,534 |
| Net interest income | $5,310,000 | 2,746 |
| Provision for loan and lease losses | $642,000 | 1,328 |
| Total noninterest income | $1,196,000 | 2,788 |
| Gross Fiduciary activities income | $37,000 | 1,071 |
| Service charges on deposit accounts | $239,000 | 4,180 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $920,000 | 2,172 |
| Total noninterest expense | $4,675,000 | 2,520 |
| Salaries and employee benefits | $2,633,000 | 2,411 |
| Premises and equipment expense | $509,000 | 3,172 |
| Additional noninterest expense | $1,533,000 | 2,344 |
| Pre-tax net operating income | $1,189,000 | 4,101 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $405,000 | 3,393 |
| Income before extraordinary items | $784,000 | 4,650 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $784,000 | 4,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 1,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $784,000 | 4,472 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,184,000 | 2,794 |
| Total interest expense | $1,747,000 | 2,650 |
| Net interest income | $3,437,000 | 2,808 |
| Provision for loan and lease losses | $352,000 | 1,577 |
| Total noninterest income | $678,000 | 3,079 |
| Gross Fiduciary activities income | $25,000 | 1,084 |
| Service charges on deposit accounts | $148,000 | 4,326 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $505,000 | 2,426 |
| Total noninterest expense | $2,675,000 | 2,888 |
| Salaries and employee benefits | $1,459,000 | 2,847 |
| Premises and equipment expense | $297,000 | 3,520 |
| Additional noninterest expense | $919,000 | 2,561 |
| Pre-tax net operating income | $1,088,000 | 3,315 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $383,000 | 2,780 |
| Income before extraordinary items | $705,000 | 3,844 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $705,000 | 3,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 1,526 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $705,000 | 3,649 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,651,000 | 2,752 |
| Total interest expense | $882,000 | 2,686 |
| Net interest income | $1,769,000 | 2,739 |
| Provision for loan and lease losses | $253,000 | 1,105 |
| Total noninterest income | $266,000 | 3,503 |
| Gross Fiduciary activities income | $13,000 | 1,092 |
| Service charges on deposit accounts | $68,000 | 4,446 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $185,000 | 2,856 |
| Total noninterest expense | $1,197,000 | 3,160 |
| Salaries and employee benefits | $651,000 | 3,135 |
| Premises and equipment expense | $142,000 | 3,648 |
| Additional noninterest expense | $404,000 | 2,834 |
| Pre-tax net operating income | $585,000 | 3,143 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $207,000 | 2,633 |
| Income before extraordinary items | $378,000 | 3,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $378,000 | 3,613 |
| 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 | $378,000 | 3,441 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,163,000 | 3,250 |
| Total interest expense | $3,515,000 | 3,084 |
| Net interest income | $5,648,000 | 3,300 |
| Provision for loan and lease losses | $406,000 | 2,795 |
| Total noninterest income | $948,000 | 3,596 |
| Gross Fiduciary activities income | $23,000 | 1,252 |
| Service charges on deposit accounts | $305,000 | 4,190 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $620,000 | 2,908 |
| Total noninterest expense | $4,427,000 | 3,270 |
| Salaries and employee benefits | $2,419,000 | 3,201 |
| Premises and equipment expense | $535,000 | 3,744 |
| Additional noninterest expense | $1,473,000 | 2,992 |
| Pre-tax net operating income | $1,763,000 | 3,710 |
| Securities gains (losses) | $205,000 | 1,149 |
| Applicable income taxes | $700,000 | 2,844 |
| Income before extraordinary items | $1,268,000 | 3,943 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,268,000 | 3,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,185 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,136,800 | 4,127 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,097,000 | 3,984 |
| Total interest expense | $4,305,000 | 3,583 |
| Net interest income | $3,792,000 | 4,302 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $945,000 | 3,473 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $147,000 | 5,839 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $798,000 | 2,392 |
| Total noninterest expense | $3,746,000 | 3,627 |
| Salaries and employee benefits | $2,165,000 | 3,355 |
| Premises and equipment expense | $438,000 | 4,319 |
| Additional noninterest expense | $1,143,000 | 3,656 |
| Pre-tax net operating income | $751,000 | 5,649 |
| Securities gains (losses) | $48,000 | 2,391 |
| Applicable income taxes | $299,000 | 4,273 |
| Income before extraordinary items | $500,000 | 6,079 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $500,000 | 6,081 |
| 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 | $0 | 922 |
| Net operating income | $469,280 | 6,097 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,763,000 | 4,712 |
| Total interest expense | $3,841,000 | 4,112 |
| Net interest income | $2,922,000 | 5,248 |
| Provision for loan and lease losses | $342,000 | 2,612 |
| Total noninterest income | $440,000 | 5,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 6,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $337,000 | 3,688 |
| Total noninterest expense | $2,178,000 | 5,372 |
| Salaries and employee benefits | $1,162,000 | 5,350 |
| Premises and equipment expense | $366,000 | 4,797 |
| Additional noninterest expense | $650,000 | 5,471 |
| Pre-tax net operating income | $842,000 | 5,730 |
| Securities gains (losses) | $-8,000 | 8,215 |
| Applicable income taxes | $-100,000 | 9,579 |
| Income before extraordinary items | $934,000 | 4,573 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $934,000 | 4,573 |
| 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 | $942,000 | 4,548 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,009,000 | 7,372 |
| Total interest expense | $1,461,000 | 7,074 |
| Net interest income | $1,548,000 | 7,492 |
| Provision for loan and lease losses | $319,000 | 2,531 |
| Total noninterest income | $313,000 | 6,330 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 7,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $266,000 | 4,303 |
| Total noninterest expense | $1,837,000 | 6,006 |
| Salaries and employee benefits | $1,058,000 | 5,668 |
| Premises and equipment expense | $329,000 | 5,181 |
| Additional noninterest expense | $450,000 | 6,899 |
| Pre-tax net operating income | $-295,000 | 9,710 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-295,000 | 9,763 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-295,000 | 9,762 |
| 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 | $0 | 1,035 |
| Net operating income | $-295,000 | 9,742 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $507,000 | 10,217 |
| Total interest expense | $90,000 | 10,305 |
| Net interest income | $417,000 | 10,055 |
| Provision for loan and lease losses | $81,000 | 5,561 |
| Total noninterest income | $31,000 | 10,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 8,977 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 9,156 |
| Total noninterest expense | $984,000 | 8,157 |
| Salaries and employee benefits | $603,000 | 7,745 |
| Premises and equipment expense | $122,000 | 8,215 |
| Additional noninterest expense | $259,000 | 8,513 |
| Pre-tax net operating income | $-617,000 | 10,238 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-617,000 | 10,281 |
| Extraordinary gains, net | $-99,000 | 10,427 |
| Net income | $-716,000 | 10,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $7,739,000 | 146 |
| Net operating income | $-617,000 | 10,253 |
* 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.