Home > Bank South > Income and Expense
Bank South, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,564,000 | 3,713 |
| Total interest expense | $1,004,000 | 4,001 |
| Net interest income | $1,560,000 | 3,437 |
| Provision for loan and lease losses | $212,000 | 1,104 |
| Total noninterest income | $65,000 | 6,376 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $44,000 | 5,130 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $21,000 | 6,540 |
| Total noninterest expense | $832,000 | 4,683 |
| Salaries and employee benefits | $494,000 | 4,476 |
| Premises and equipment expense | $89,000 | 5,403 |
| Additional noninterest expense | $249,000 | 4,551 |
| Pre-tax net operating income | $581,000 | 3,193 |
| Securities gains (losses) | $2,000 | 969 |
| Applicable income taxes | $213,000 | 2,314 |
| Income before extraordinary items | $370,000 | 3,677 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $370,000 | 3,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-128,000 | 8,537 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $368,720 | 3,673 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,244,000 | 3,790 |
| Total interest expense | $3,418,000 | 3,981 |
| Net interest income | $5,826,000 | 3,604 |
| Provision for loan and lease losses | $210,000 | 3,430 |
| Total noninterest income | $315,000 | 6,075 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $205,000 | 4,930 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $110,000 | 6,170 |
| Total noninterest expense | $3,392,000 | 4,493 |
| Salaries and employee benefits | $2,031,000 | 4,216 |
| Premises and equipment expense | $418,000 | 4,784 |
| Additional noninterest expense | $943,000 | 4,704 |
| Pre-tax net operating income | $2,539,000 | 3,101 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $935,000 | 2,298 |
| Income before extraordinary items | $1,604,000 | 3,619 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,604,000 | 3,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $351,000 | 1,486 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,604,000 | 3,597 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,658,000 | 3,877 |
| Total interest expense | $2,402,000 | 4,070 |
| Net interest income | $4,256,000 | 3,686 |
| Provision for loan and lease losses | $174,000 | 3,168 |
| Total noninterest income | $246,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $160,000 | 4,898 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $86,000 | 6,103 |
| Total noninterest expense | $2,522,000 | 4,506 |
| Salaries and employee benefits | $1,455,000 | 4,342 |
| Premises and equipment expense | $309,000 | 4,829 |
| Additional noninterest expense | $758,000 | 4,454 |
| Pre-tax net operating income | $1,806,000 | 3,331 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $667,000 | 2,443 |
| Income before extraordinary items | $1,139,000 | 3,863 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,139,000 | 3,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $354,000 | 1,032 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,139,000 | 3,854 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,271,000 | 3,938 |
| Total interest expense | $1,503,000 | 4,111 |
| Net interest income | $2,768,000 | 3,763 |
| Provision for loan and lease losses | $138,000 | 2,788 |
| Total noninterest income | $205,000 | 5,582 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $113,000 | 4,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $92,000 | 5,303 |
| Total noninterest expense | $1,722,000 | 4,452 |
| Salaries and employee benefits | $964,000 | 4,373 |
| Premises and equipment expense | $198,000 | 4,966 |
| Additional noninterest expense | $560,000 | 4,124 |
| Pre-tax net operating income | $1,113,000 | 3,535 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $406,000 | 2,604 |
| Income before extraordinary items | $707,000 | 4,043 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $707,000 | 4,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $355,000 | 734 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $707,000 | 4,030 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,064,000 | 3,986 |
| Total interest expense | $724,000 | 4,086 |
| Net interest income | $1,340,000 | 3,855 |
| Provision for loan and lease losses | $94,000 | 2,089 |
| Total noninterest income | $107,000 | 5,456 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $60,000 | 4,537 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $47,000 | 5,227 |
| Total noninterest expense | $858,000 | 4,473 |
| Salaries and employee benefits | $480,000 | 4,408 |
| Premises and equipment expense | $101,000 | 4,920 |
| Additional noninterest expense | $277,000 | 4,151 |
| Pre-tax net operating income | $495,000 | 3,754 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $183,000 | 2,734 |
| Income before extraordinary items | $312,000 | 4,322 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $312,000 | 4,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 453 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $312,000 | 4,307 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,770,000 | 4,244 |
| Total interest expense | $2,153,000 | 4,226 |
| Net interest income | $4,617,000 | 4,186 |
| Provision for loan and lease losses | $200,000 | 3,577 |
| Total noninterest income | $391,000 | 5,764 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $211,000 | 4,924 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $180,000 | 5,377 |
| Total noninterest expense | $3,142,000 | 4,617 |
| Salaries and employee benefits | $1,735,000 | 4,593 |
| Premises and equipment expense | $385,000 | 4,977 |
| Additional noninterest expense | $1,022,000 | 4,353 |
| Pre-tax net operating income | $1,666,000 | 4,132 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $623,000 | 3,010 |
| Income before extraordinary items | $1,043,000 | 4,716 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,043,000 | 4,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,711 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,043,000 | 4,687 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,821,000 | 4,367 |
| Total interest expense | $1,493,000 | 4,302 |
| Net interest income | $3,328,000 | 4,315 |
| Provision for loan and lease losses | $136,000 | 3,626 |
| Total noninterest income | $301,000 | 5,758 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $156,000 | 4,984 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $145,000 | 5,246 |
| Total noninterest expense | $2,333,000 | 4,644 |
| Salaries and employee benefits | $1,271,000 | 4,647 |
| Premises and equipment expense | $289,000 | 4,963 |
| Additional noninterest expense | $773,000 | 4,291 |
| Pre-tax net operating income | $1,160,000 | 4,390 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $440,000 | 3,157 |
| Income before extraordinary items | $720,000 | 5,012 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $720,000 | 5,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,341 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $720,000 | 4,970 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,027,000 | 4,491 |
| Total interest expense | $908,000 | 4,424 |
| Net interest income | $2,119,000 | 4,432 |
| Provision for loan and lease losses | $72,000 | 3,910 |
| Total noninterest income | $196,000 | 5,783 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $100,000 | 5,027 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $96,000 | 5,271 |
| Total noninterest expense | $1,488,000 | 4,748 |
| Salaries and employee benefits | $834,000 | 4,684 |
| Premises and equipment expense | $187,000 | 5,041 |
| Additional noninterest expense | $467,000 | 4,605 |
| Pre-tax net operating income | $755,000 | 4,421 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $291,000 | 3,159 |
| Income before extraordinary items | $464,000 | 5,064 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $464,000 | 5,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,519 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $464,000 | 5,017 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,443,000 | 4,598 |
| Total interest expense | $401,000 | 4,674 |
| Net interest income | $1,042,000 | 4,489 |
| Provision for loan and lease losses | $36,000 | 3,732 |
| Total noninterest income | $100,000 | 5,685 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $52,000 | 4,904 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $48,000 | 5,277 |
| Total noninterest expense | $729,000 | 4,847 |
| Salaries and employee benefits | $415,000 | 4,699 |
| Premises and equipment expense | $92,000 | 5,144 |
| Additional noninterest expense | $222,000 | 4,733 |
| Pre-tax net operating income | $377,000 | 4,426 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $153,000 | 3,060 |
| Income before extraordinary items | $224,000 | 5,139 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $224,000 | 5,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $224,000 | 5,113 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,938,000 | 4,891 |
| Total interest expense | $1,111,000 | 5,356 |
| Net interest income | $3,827,000 | 4,630 |
| Provision for loan and lease losses | $262,000 | 3,175 |
| Total noninterest income | $383,000 | 5,890 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $188,000 | 5,353 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $195,000 | 5,160 |
| Total noninterest expense | $2,809,000 | 4,893 |
| Salaries and employee benefits | $1,535,000 | 4,866 |
| Premises and equipment expense | $374,000 | 4,988 |
| Additional noninterest expense | $900,000 | 4,698 |
| Pre-tax net operating income | $1,139,000 | 4,916 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $418,000 | 3,646 |
| Income before extraordinary items | $721,000 | 5,511 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $721,000 | 5,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,972 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $721,000 | 5,430 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,566,000 | 4,994 |
| Total interest expense | $790,000 | 5,483 |
| Net interest income | $2,776,000 | 4,722 |
| Provision for loan and lease losses | $196,000 | 3,023 |
| Total noninterest income | $301,000 | 5,802 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $142,000 | 5,389 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $159,000 | 4,995 |
| Total noninterest expense | $2,174,000 | 4,725 |
| Salaries and employee benefits | $1,128,000 | 4,888 |
| Premises and equipment expense | $280,000 | 4,982 |
| Additional noninterest expense | $766,000 | 4,218 |
| Pre-tax net operating income | $707,000 | 5,496 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $257,000 | 4,031 |
| Income before extraordinary items | $450,000 | 6,054 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $450,000 | 6,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,016 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $450,000 | 5,978 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,267,000 | 5,152 |
| Total interest expense | $516,000 | 5,561 |
| Net interest income | $1,751,000 | 4,885 |
| Provision for loan and lease losses | $72,000 | 4,068 |
| Total noninterest income | $170,000 | 6,193 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $96,000 | 5,356 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $74,000 | 5,746 |
| Total noninterest expense | $1,407,000 | 4,859 |
| Salaries and employee benefits | $740,000 | 4,971 |
| Premises and equipment expense | $183,000 | 5,061 |
| Additional noninterest expense | $484,000 | 4,415 |
| Pre-tax net operating income | $442,000 | 5,616 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $159,000 | 4,153 |
| Income before extraordinary items | $283,000 | 6,165 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $283,000 | 6,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,550 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $283,000 | 6,093 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,143,000 | 5,143 |
| Total interest expense | $267,000 | 5,529 |
| Net interest income | $876,000 | 4,894 |
| Provision for loan and lease losses | $36,000 | 3,870 |
| Total noninterest income | $89,000 | 6,038 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $48,000 | 5,292 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $41,000 | 5,508 |
| Total noninterest expense | $711,000 | 4,867 |
| Salaries and employee benefits | $368,000 | 5,005 |
| Premises and equipment expense | $91,000 | 5,132 |
| Additional noninterest expense | $252,000 | 4,289 |
| Pre-tax net operating income | $218,000 | 5,621 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $76,000 | 4,215 |
| Income before extraordinary items | $142,000 | 6,134 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $142,000 | 6,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,644 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $142,000 | 6,021 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,101,000 | 5,551 |
| Total interest expense | $1,113,000 | 5,809 |
| Net interest income | $2,988,000 | 5,319 |
| Provision for loan and lease losses | $445,000 | 2,386 |
| Total noninterest income | $517,000 | 5,343 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $153,000 | 5,820 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $364,000 | 4,144 |
| Total noninterest expense | $2,597,000 | 5,084 |
| Salaries and employee benefits | $1,409,000 | 5,069 |
| Premises and equipment expense | $368,000 | 5,014 |
| Additional noninterest expense | $820,000 | 4,965 |
| Pre-tax net operating income | $463,000 | 6,794 |
| Securities gains (losses) | $13,000 | 3,473 |
| Applicable income taxes | $173,000 | 5,110 |
| Income before extraordinary items | $303,000 | 7,271 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $303,000 | 7,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $491,000 | 1,627 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $294,680 | 7,159 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,003,000 | 5,704 |
| Total interest expense | $842,000 | 5,922 |
| Net interest income | $2,161,000 | 5,464 |
| Provision for loan and lease losses | $350,000 | 2,253 |
| Total noninterest income | $460,000 | 4,961 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $118,000 | 5,818 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $342,000 | 3,821 |
| Total noninterest expense | $2,012,000 | 4,962 |
| Salaries and employee benefits | $1,069,000 | 5,018 |
| Premises and equipment expense | $268,000 | 5,096 |
| Additional noninterest expense | $675,000 | 4,587 |
| Pre-tax net operating income | $259,000 | 7,397 |
| Securities gains (losses) | $13,000 | 3,204 |
| Applicable income taxes | $99,000 | 5,577 |
| Income before extraordinary items | $173,000 | 7,764 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $173,000 | 7,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $448,000 | 1,279 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $164,680 | 7,670 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,008,000 | 5,734 |
| Total interest expense | $577,000 | 5,960 |
| Net interest income | $1,431,000 | 5,480 |
| Provision for loan and lease losses | $330,000 | 1,664 |
| Total noninterest income | $316,000 | 4,854 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $79,000 | 5,792 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $237,000 | 3,717 |
| Total noninterest expense | $1,319,000 | 5,007 |
| Salaries and employee benefits | $708,000 | 5,036 |
| Premises and equipment expense | $179,000 | 5,067 |
| Additional noninterest expense | $432,000 | 4,732 |
| Pre-tax net operating income | $98,000 | 8,026 |
| Securities gains (losses) | $13,000 | 2,823 |
| Applicable income taxes | $39,000 | 6,120 |
| Income before extraordinary items | $72,000 | 8,210 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $72,000 | 8,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 904 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $63,550 | 8,165 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,001,000 | 5,766 |
| Total interest expense | $308,000 | 5,862 |
| Net interest income | $693,000 | 5,579 |
| Provision for loan and lease losses | $210,000 | 1,306 |
| Total noninterest income | $157,000 | 4,778 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 5,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $119,000 | 3,615 |
| Total noninterest expense | $636,000 | 5,148 |
| Salaries and employee benefits | $352,000 | 5,058 |
| Premises and equipment expense | $90,000 | 5,048 |
| Additional noninterest expense | $194,000 | 5,069 |
| Pre-tax net operating income | $4,000 | 8,650 |
| Securities gains (losses) | $8,000 | 2,242 |
| Applicable income taxes | $3,000 | 7,063 |
| Income before extraordinary items | $9,000 | 8,645 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $9,000 | 8,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $458,000 | 526 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,000 | 8,616 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,126,000 | 5,805 |
| Total interest expense | $1,431,000 | 5,869 |
| Net interest income | $2,695,000 | 5,656 |
| Provision for loan and lease losses | $165,000 | 4,742 |
| Total noninterest income | $418,000 | 5,670 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $130,000 | 6,118 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $288,000 | 4,346 |
| Total noninterest expense | $2,544,000 | 5,026 |
| Salaries and employee benefits | $1,424,000 | 4,887 |
| Premises and equipment expense | $373,000 | 4,879 |
| Additional noninterest expense | $747,000 | 5,175 |
| Pre-tax net operating income | $404,000 | 7,146 |
| Securities gains (losses) | $18,000 | 3,224 |
| Applicable income taxes | $151,000 | 5,518 |
| Income before extraordinary items | $271,000 | 7,469 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $271,000 | 7,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,273 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $259,480 | 7,423 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,671,000 | 5,847 |
| Total interest expense | $1,982,000 | 6,124 |
| Net interest income | $2,689,000 | 5,476 |
| Provision for loan and lease losses | $244,000 | 3,680 |
| Total noninterest income | $436,000 | 5,459 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $175,000 | 5,452 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $261,000 | 4,403 |
| Total noninterest expense | $2,160,000 | 5,451 |
| Salaries and employee benefits | $1,197,000 | 5,334 |
| Premises and equipment expense | $358,000 | 4,953 |
| Additional noninterest expense | $605,000 | 5,802 |
| Pre-tax net operating income | $721,000 | 5,745 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $252,000 | 4,594 |
| Income before extraordinary items | $471,000 | 6,211 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $471,000 | 6,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,944 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $469,700 | 6,095 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,721,000 | 6,706 |
| Total interest expense | $1,752,000 | 6,699 |
| Net interest income | $1,969,000 | 6,605 |
| Provision for loan and lease losses | $371,000 | 2,417 |
| Total noninterest income | $238,000 | 6,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 5,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 6,548 |
| Total noninterest expense | $1,594,000 | 6,500 |
| Salaries and employee benefits | $946,000 | 6,142 |
| Premises and equipment expense | $167,000 | 7,292 |
| Additional noninterest expense | $481,000 | 6,569 |
| Pre-tax net operating income | $242,000 | 8,175 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $95,000 | 6,574 |
| Income before extraordinary items | $147,000 | 8,434 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $147,000 | 8,433 |
| 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 | $147,000 | 8,436 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,243,000 | 9,373 |
| Total interest expense | $506,000 | 9,423 |
| Net interest income | $737,000 | 9,205 |
| Provision for loan and lease losses | $76,000 | 5,754 |
| Total noninterest income | $30,000 | 9,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 8,610 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 9,434 |
| Total noninterest expense | $814,000 | 8,685 |
| Salaries and employee benefits | $420,000 | 8,785 |
| Premises and equipment expense | $149,000 | 7,678 |
| Additional noninterest expense | $245,000 | 8,606 |
| Pre-tax net operating income | $-123,000 | 9,553 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-25,000 | 9,744 |
| Income before extraordinary items | $-98,000 | 9,570 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-98,000 | 9,568 |
| 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 | $-98,000 | 9,549 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $255,000 | 10,334 |
| Total interest expense | $75,000 | 10,318 |
| Net interest income | $180,000 | 10,319 |
| Provision for loan and lease losses | $70,000 | 5,864 |
| Total noninterest income | $4,000 | 10,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,010 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 10,319 |
| Total noninterest expense | $390,000 | 10,085 |
| Salaries and employee benefits | $197,000 | 10,119 |
| Premises and equipment expense | $94,000 | 8,844 |
| Additional noninterest expense | $99,000 | 10,132 |
| Pre-tax net operating income | $-276,000 | 10,047 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-276,000 | 10,100 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-276,000 | 10,096 |
| 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 | $4,000,000 | 275 |
| Net operating income | $-276,000 | 10,069 |
* 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.