Home > Albemarle First Bank > Income and Expense
Albemarle First Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,028,000 | 4,102 |
| Total interest expense | $1,372,000 | 4,341 |
| Net interest income | $2,656,000 | 3,878 |
| Provision for loan and lease losses | $474,000 | 1,031 |
| Total noninterest income | $186,000 | 5,799 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $134,000 | 4,365 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $52,000 | 6,320 |
| Total noninterest expense | $3,348,000 | 2,621 |
| Salaries and employee benefits | $1,582,000 | 2,993 |
| Premises and equipment expense | $266,000 | 4,118 |
| Additional noninterest expense | $1,500,000 | 1,757 |
| Pre-tax net operating income | $-980,000 | 8,683 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-333,000 | 8,722 |
| Income before extraordinary items | $-647,000 | 8,631 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-647,000 | 8,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 1,261 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $874,000 | 276 |
| Net operating income | $-647,000 | 8,624 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,850,000 | 4,303 |
| Total interest expense | $644,000 | 4,397 |
| Net interest income | $1,206,000 | 4,141 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $78,000 | 6,127 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $63,000 | 4,435 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,090 |
| Total noninterest expense | $1,125,000 | 3,656 |
| Salaries and employee benefits | $600,000 | 3,768 |
| Premises and equipment expense | $125,000 | 4,297 |
| Additional noninterest expense | $400,000 | 3,117 |
| Pre-tax net operating income | $114,000 | 6,893 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $39,000 | 4,751 |
| Income before extraordinary items | $75,000 | 7,115 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $75,000 | 7,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $75,000 | 7,120 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,022,000 | 4,136 |
| Total interest expense | $2,275,000 | 4,065 |
| Net interest income | $4,747,000 | 4,112 |
| Provision for loan and lease losses | $320,000 | 2,696 |
| Total noninterest income | $549,000 | 5,023 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $293,000 | 4,232 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $256,000 | 4,681 |
| Total noninterest expense | $4,610,000 | 3,453 |
| Salaries and employee benefits | $2,540,000 | 3,434 |
| Premises and equipment expense | $515,000 | 4,087 |
| Additional noninterest expense | $1,555,000 | 3,135 |
| Pre-tax net operating income | $366,000 | 7,175 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $125,000 | 5,179 |
| Income before extraordinary items | $243,000 | 7,405 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $243,000 | 7,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,204 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,577,000 | 428 |
| Net operating income | $241,680 | 7,386 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,137,000 | 4,159 |
| Total interest expense | $1,663,000 | 4,004 |
| Net interest income | $3,474,000 | 4,173 |
| Provision for loan and lease losses | $320,000 | 2,078 |
| Total noninterest income | $403,000 | 5,098 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $226,000 | 4,193 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $177,000 | 4,870 |
| Total noninterest expense | $3,461,000 | 3,434 |
| Salaries and employee benefits | $1,951,000 | 3,341 |
| Premises and equipment expense | $386,000 | 4,067 |
| Additional noninterest expense | $1,124,000 | 3,197 |
| Pre-tax net operating income | $96,000 | 8,035 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $33,000 | 6,025 |
| Income before extraordinary items | $65,000 | 8,131 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $65,000 | 8,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 1,713 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $1,090,000 | 334 |
| Net operating income | $63,680 | 8,108 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,340,000 | 4,172 |
| Total interest expense | $1,075,000 | 3,936 |
| Net interest income | $2,265,000 | 4,220 |
| Provision for loan and lease losses | $255,000 | 1,746 |
| Total noninterest income | $266,000 | 5,075 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $152,000 | 4,120 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $114,000 | 4,928 |
| Total noninterest expense | $2,248,000 | 3,481 |
| Salaries and employee benefits | $1,316,000 | 3,295 |
| Premises and equipment expense | $253,000 | 4,114 |
| Additional noninterest expense | $679,000 | 3,438 |
| Pre-tax net operating income | $28,000 | 8,241 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $10,000 | 6,414 |
| Income before extraordinary items | $20,000 | 8,284 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $20,000 | 8,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 1,738 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $943,000 | 252 |
| Net operating income | $18,660 | 8,261 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,596,000 | 4,288 |
| Total interest expense | $510,000 | 3,974 |
| Net interest income | $1,086,000 | 4,368 |
| Provision for loan and lease losses | $80,000 | 2,398 |
| Total noninterest income | $120,000 | 5,254 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $72,000 | 4,184 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $48,000 | 5,277 |
| Total noninterest expense | $1,079,000 | 3,627 |
| Salaries and employee benefits | $643,000 | 3,353 |
| Premises and equipment expense | $136,000 | 3,941 |
| Additional noninterest expense | $300,000 | 3,802 |
| Pre-tax net operating income | $47,000 | 7,929 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $16,000 | 5,817 |
| Income before extraordinary items | $31,000 | 8,075 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $31,000 | 8,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,985 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $31,000 | 8,047 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,720,000 | 4,404 |
| Total interest expense | $1,672,000 | 4,192 |
| Net interest income | $4,048,000 | 4,446 |
| Provision for loan and lease losses | $357,000 | 2,593 |
| Total noninterest income | $771,000 | 4,149 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $335,000 | 4,049 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $436,000 | 3,554 |
| Total noninterest expense | $4,308,000 | 3,530 |
| Salaries and employee benefits | $2,478,000 | 3,372 |
| Premises and equipment expense | $543,000 | 3,827 |
| Additional noninterest expense | $1,287,000 | 3,547 |
| Pre-tax net operating income | $154,000 | 7,935 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $52,000 | 6,020 |
| Income before extraordinary items | $101,000 | 8,088 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $101,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,462 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $119,000 | 639 |
| Net operating income | $101,660 | 8,045 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,165,000 | 4,485 |
| Total interest expense | $1,201,000 | 4,281 |
| Net interest income | $2,964,000 | 4,517 |
| Provision for loan and lease losses | $312,000 | 2,211 |
| Total noninterest income | $647,000 | 3,903 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $262,000 | 3,972 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $385,000 | 3,266 |
| Total noninterest expense | $3,193,000 | 3,531 |
| Salaries and employee benefits | $1,851,000 | 3,357 |
| Premises and equipment expense | $395,000 | 3,909 |
| Additional noninterest expense | $947,000 | 3,578 |
| Pre-tax net operating income | $106,000 | 8,094 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $36,000 | 6,170 |
| Income before extraordinary items | $69,000 | 8,225 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $69,000 | 8,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-144,000 | 8,867 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $69,660 | 8,184 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,646,000 | 4,640 |
| Total interest expense | $752,000 | 4,469 |
| Net interest income | $1,894,000 | 4,653 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $322,000 | 4,640 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $182,000 | 3,874 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $140,000 | 4,440 |
| Total noninterest expense | $2,133,000 | 3,556 |
| Salaries and employee benefits | $1,236,000 | 3,354 |
| Premises and equipment expense | $269,000 | 3,850 |
| Additional noninterest expense | $628,000 | 3,612 |
| Pre-tax net operating income | $33,000 | 8,337 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $12,000 | 6,573 |
| Income before extraordinary items | $23,000 | 8,436 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $23,000 | 8,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-212,000 | 8,991 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $21,680 | 8,388 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,268,000 | 4,816 |
| Total interest expense | $369,000 | 4,557 |
| Net interest income | $899,000 | 4,831 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $138,000 | 4,988 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $83,000 | 4,031 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $55,000 | 4,930 |
| Total noninterest expense | $1,019,000 | 3,697 |
| Salaries and employee benefits | $589,000 | 3,531 |
| Premises and equipment expense | $139,000 | 3,799 |
| Additional noninterest expense | $291,000 | 3,838 |
| Pre-tax net operating income | $3,000 | 8,508 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $3,000 | 8,552 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,000 | 8,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,817 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,720 | 8,515 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,357,000 | 4,664 |
| Total interest expense | $1,523,000 | 4,820 |
| Net interest income | $3,834,000 | 4,497 |
| Provision for loan and lease losses | $1,023,000 | 1,159 |
| Total noninterest income | $420,000 | 5,867 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $299,000 | 4,306 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $121,000 | 6,209 |
| Total noninterest expense | $6,293,000 | 2,492 |
| Salaries and employee benefits | $2,474,000 | 3,292 |
| Premises and equipment expense | $602,000 | 3,506 |
| Additional noninterest expense | $3,217,000 | 1,535 |
| Pre-tax net operating income | $-3,062,000 | 9,114 |
| Securities gains (losses) | $224,000 | 1,267 |
| Applicable income taxes | $-965,000 | 9,132 |
| Income before extraordinary items | $-1,873,000 | 9,112 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,873,000 | 9,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,226,000 | 784 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,333,000 | 318 |
| Net operating income | $-2,020,840 | 9,079 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,094,000 | 4,649 |
| Total interest expense | $1,163,000 | 4,908 |
| Net interest income | $2,931,000 | 4,457 |
| Provision for loan and lease losses | $325,000 | 2,361 |
| Total noninterest income | $307,000 | 5,972 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $220,000 | 4,368 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 6,329 |
| Total noninterest expense | $5,100,000 | 2,319 |
| Salaries and employee benefits | $1,805,000 | 3,359 |
| Premises and equipment expense | $445,000 | 3,554 |
| Additional noninterest expense | $2,850,000 | 1,303 |
| Pre-tax net operating income | $-2,187,000 | 9,167 |
| Securities gains (losses) | $225,000 | 1,161 |
| Applicable income taxes | $-667,000 | 9,185 |
| Income before extraordinary items | $-1,295,000 | 9,157 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,295,000 | 9,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $657,000 | 951 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,333,000 | 223 |
| Net operating income | $-1,443,500 | 9,129 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,820,000 | 4,579 |
| Total interest expense | $800,000 | 4,929 |
| Net interest income | $2,020,000 | 4,367 |
| Provision for loan and lease losses | $250,000 | 2,117 |
| Total noninterest income | $198,000 | 6,037 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $142,000 | 4,419 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $56,000 | 6,368 |
| Total noninterest expense | $4,270,000 | 1,851 |
| Salaries and employee benefits | $1,220,000 | 3,327 |
| Premises and equipment expense | $303,000 | 3,453 |
| Additional noninterest expense | $2,747,000 | 923 |
| Pre-tax net operating income | $-2,302,000 | 9,224 |
| Securities gains (losses) | $225,000 | 969 |
| Applicable income taxes | $-706,000 | 9,231 |
| Income before extraordinary items | $-1,371,000 | 9,232 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,371,000 | 9,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,049 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,339,000 | 138 |
| Net operating income | $-1,519,500 | 9,203 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,387,000 | 4,660 |
| Total interest expense | $409,000 | 4,974 |
| Net interest income | $978,000 | 4,464 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $107,000 | 5,736 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $77,000 | 4,164 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $30,000 | 6,231 |
| Total noninterest expense | $1,024,000 | 3,581 |
| Salaries and employee benefits | $597,000 | 3,384 |
| Premises and equipment expense | $145,000 | 3,578 |
| Additional noninterest expense | $282,000 | 3,842 |
| Pre-tax net operating income | $-14,000 | 8,786 |
| Securities gains (losses) | $32,000 | 1,647 |
| Applicable income taxes | $6,000 | 6,816 |
| Income before extraordinary items | $12,000 | 8,603 |
| Extraordinary gains, net | $-1,603,000 | 9,310 |
| Net income | $-1,591,000 | 9,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 1,338 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-9,440 | 8,726 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,632,000 | 4,752 |
| Total interest expense | $2,153,000 | 4,581 |
| Net interest income | $3,479,000 | 4,775 |
| Provision for loan and lease losses | $750,000 | 1,730 |
| Total noninterest income | $371,000 | 5,964 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $284,000 | 4,352 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 6,718 |
| Total noninterest expense | $3,564,000 | 3,901 |
| Salaries and employee benefits | $1,900,000 | 3,915 |
| Premises and equipment expense | $472,000 | 4,109 |
| Additional noninterest expense | $1,192,000 | 3,623 |
| Pre-tax net operating income | $-464,000 | 8,961 |
| Securities gains (losses) | $40,000 | 2,603 |
| Applicable income taxes | $-144,000 | 9,101 |
| Income before extraordinary items | $-280,000 | 8,951 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-280,000 | 8,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $787,000 | 1,181 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-306,400 | 8,913 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,703,000 | 5,159 |
| Total interest expense | $2,849,000 | 4,922 |
| Net interest income | $2,854,000 | 5,258 |
| Provision for loan and lease losses | $1,020,000 | 1,219 |
| Total noninterest income | $211,000 | 7,197 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $171,000 | 5,495 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $40,000 | 8,001 |
| Total noninterest expense | $2,384,000 | 5,125 |
| Salaries and employee benefits | $1,275,000 | 5,103 |
| Premises and equipment expense | $284,000 | 5,701 |
| Additional noninterest expense | $825,000 | 4,691 |
| Pre-tax net operating income | $-339,000 | 9,063 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-115,000 | 9,286 |
| Income before extraordinary items | $-224,000 | 9,071 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-224,000 | 9,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $332,000 | 2,083 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $4,063,000 | 217 |
| Net operating income | $-224,000 | 9,013 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,416,000 | 6,993 |
| Total interest expense | $1,775,000 | 6,641 |
| Net interest income | $1,641,000 | 7,227 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $95,000 | 8,666 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 7,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,043 |
| Total noninterest expense | $1,545,000 | 6,620 |
| Salaries and employee benefits | $812,000 | 6,673 |
| Premises and equipment expense | $214,000 | 6,555 |
| Additional noninterest expense | $519,000 | 6,284 |
| Pre-tax net operating income | $-109,000 | 9,252 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-466,000 | 9,786 |
| Income before extraordinary items | $357,000 | 7,120 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $357,000 | 7,118 |
| 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 | $357,000 | 7,113 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $951,000 | 9,651 |
| Total interest expense | $390,000 | 9,665 |
| Net interest income | $561,000 | 9,582 |
| Provision for loan and lease losses | $207,000 | 3,482 |
| Total noninterest income | $28,000 | 9,889 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 8,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,956 |
| Total noninterest expense | $1,267,000 | 7,383 |
| Salaries and employee benefits | $599,000 | 7,760 |
| Premises and equipment expense | $193,000 | 6,926 |
| Additional noninterest expense | $475,000 | 6,706 |
| Pre-tax net operating income | $-885,000 | 10,035 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-8,000 | 9,652 |
| Income before extraordinary items | $-877,000 | 10,056 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-877,000 | 10,056 |
| 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 | $-877,000 | 10,046 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $51,000 | 10,435 |
| Total interest expense | $0 | 10,441 |
| Net interest income | $51,000 | 10,418 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $0 | 10,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $386,000 | 10,097 |
| Salaries and employee benefits | $173,000 | 10,212 |
| Premises and equipment expense | $39,000 | 10,038 |
| Additional noninterest expense | $174,000 | 9,413 |
| Pre-tax net operating income | $-335,000 | 10,101 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $8,000 | 9,125 |
| Income before extraordinary items | $-343,000 | 10,154 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-343,000 | 10,150 |
| 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 | $7,194,000 | 164 |
| Net operating income | $-343,000 | 10,127 |
* 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.