Home > Business First National Bank > Income and Expense
Business First National Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,116,000 | 3,574 |
| Total interest expense | $3,810,000 | 3,424 |
| Net interest income | $4,306,000 | 3,635 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $469,000 | 4,560 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $356,000 | 3,145 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $113,000 | 5,595 |
| Total noninterest expense | $4,844,000 | 2,740 |
| Salaries and employee benefits | $2,316,000 | 3,135 |
| Premises and equipment expense | $652,000 | 2,864 |
| Additional noninterest expense | $1,876,000 | 2,126 |
| Pre-tax net operating income | $-69,000 | 7,767 |
| Securities gains (losses) | $-2,000 | 7,433 |
| Applicable income taxes | $1,000 | 6,113 |
| Income before extraordinary items | $-72,000 | 7,818 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-72,000 | 7,815 |
| 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 | $76,000 | 815 |
| Net operating income | $-70,000 | 7,797 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,381,000 | 3,598 |
| Total interest expense | $2,551,000 | 3,407 |
| Net interest income | $2,830,000 | 3,688 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $306,000 | 4,616 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $228,000 | 3,225 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $78,000 | 5,568 |
| Total noninterest expense | $3,274,000 | 2,755 |
| Salaries and employee benefits | $1,578,000 | 3,110 |
| Premises and equipment expense | $447,000 | 2,837 |
| Additional noninterest expense | $1,249,000 | 2,146 |
| Pre-tax net operating income | $-138,000 | 8,029 |
| Securities gains (losses) | $-2,000 | 7,706 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-140,000 | 8,062 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-140,000 | 8,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 666 |
| Net operating income | $-138,000 | 8,052 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,609,000 | 3,664 |
| Total interest expense | $1,230,000 | 3,479 |
| Net interest income | $1,379,000 | 3,760 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $160,000 | 4,478 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $117,000 | 3,122 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $43,000 | 5,388 |
| Total noninterest expense | $1,489,000 | 3,002 |
| Salaries and employee benefits | $812,000 | 3,050 |
| Premises and equipment expense | $230,000 | 2,784 |
| Additional noninterest expense | $447,000 | 2,875 |
| Pre-tax net operating income | $50,000 | 7,283 |
| Securities gains (losses) | $-2,000 | 8,059 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $48,000 | 7,181 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $48,000 | 7,181 |
| 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 | $50,000 | 7,142 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,855,000 | 3,915 |
| Total interest expense | $3,510,000 | 3,906 |
| Net interest income | $5,345,000 | 3,831 |
| Provision for loan and lease losses | $195,000 | 3,582 |
| Total noninterest income | $513,000 | 5,074 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $322,000 | 3,981 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $191,000 | 5,200 |
| Total noninterest expense | $5,316,000 | 3,182 |
| Salaries and employee benefits | $2,936,000 | 3,189 |
| Premises and equipment expense | $880,000 | 2,764 |
| Additional noninterest expense | $1,500,000 | 3,284 |
| Pre-tax net operating income | $347,000 | 6,961 |
| Securities gains (losses) | $-47,000 | 7,924 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $300,000 | 6,917 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $300,000 | 6,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,859 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $386,000 | 643 |
| Net operating income | $347,000 | 6,725 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,516,000 | 3,942 |
| Total interest expense | $2,516,000 | 3,940 |
| Net interest income | $4,000,000 | 3,848 |
| Provision for loan and lease losses | $89,000 | 4,402 |
| Total noninterest income | $355,000 | 5,259 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $225,000 | 4,158 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $130,000 | 5,386 |
| Total noninterest expense | $3,969,000 | 3,191 |
| Salaries and employee benefits | $2,254,000 | 3,114 |
| Premises and equipment expense | $648,000 | 2,822 |
| Additional noninterest expense | $1,067,000 | 3,436 |
| Pre-tax net operating income | $297,000 | 7,018 |
| Securities gains (losses) | $-24,000 | 7,907 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $273,000 | 6,859 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $273,000 | 6,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,572 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 486 |
| Net operating income | $297,000 | 6,735 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,218,000 | 3,977 |
| Total interest expense | $1,571,000 | 3,988 |
| Net interest income | $2,647,000 | 3,887 |
| Provision for loan and lease losses | $89,000 | 3,618 |
| Total noninterest income | $228,000 | 5,343 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $145,000 | 4,206 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $83,000 | 5,507 |
| Total noninterest expense | $2,669,000 | 3,168 |
| Salaries and employee benefits | $1,513,000 | 3,092 |
| Premises and equipment expense | $433,000 | 2,799 |
| Additional noninterest expense | $723,000 | 3,380 |
| Pre-tax net operating income | $117,000 | 7,582 |
| Securities gains (losses) | $-24,000 | 8,142 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $93,000 | 7,582 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $93,000 | 7,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $387,000 | 359 |
| Net operating income | $117,000 | 7,411 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,071,000 | 3,976 |
| Total interest expense | $752,000 | 3,988 |
| Net interest income | $1,319,000 | 3,902 |
| Provision for loan and lease losses | $42,000 | 3,489 |
| Total noninterest income | $106,000 | 5,470 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $72,000 | 4,162 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,852 |
| Total noninterest expense | $1,324,000 | 3,208 |
| Salaries and employee benefits | $733,000 | 3,208 |
| Premises and equipment expense | $213,000 | 2,850 |
| Additional noninterest expense | $378,000 | 3,273 |
| Pre-tax net operating income | $59,000 | 7,581 |
| Securities gains (losses) | $-24,000 | 8,419 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $35,000 | 7,764 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $35,000 | 7,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $370,000 | 207 |
| Net operating income | $59,000 | 7,392 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,460,000 | 3,964 |
| Total interest expense | $2,412,000 | 3,913 |
| Net interest income | $5,048,000 | 3,928 |
| Provision for loan and lease losses | $182,000 | 3,734 |
| Total noninterest income | $371,000 | 5,879 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $301,000 | 4,180 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $70,000 | 6,947 |
| Total noninterest expense | $5,684,000 | 2,892 |
| Salaries and employee benefits | $2,941,000 | 3,015 |
| Premises and equipment expense | $832,000 | 2,795 |
| Additional noninterest expense | $1,911,000 | 2,598 |
| Pre-tax net operating income | $-447,000 | 8,485 |
| Securities gains (losses) | $29,000 | 1,127 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-418,000 | 8,522 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-418,000 | 8,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,087 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 861 |
| Net operating income | $-447,000 | 8,510 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,417,000 | 4,012 |
| Total interest expense | $1,698,000 | 3,954 |
| Net interest income | $3,719,000 | 3,973 |
| Provision for loan and lease losses | $182,000 | 3,112 |
| Total noninterest income | $278,000 | 5,934 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $232,000 | 4,118 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $46,000 | 7,164 |
| Total noninterest expense | $3,879,000 | 3,110 |
| Salaries and employee benefits | $2,119,000 | 3,110 |
| Premises and equipment expense | $652,000 | 2,665 |
| Additional noninterest expense | $1,108,000 | 3,240 |
| Pre-tax net operating income | $-64,000 | 8,401 |
| Securities gains (losses) | $29,000 | 1,083 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-35,000 | 8,390 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-35,000 | 8,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,687 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $-3,000 | 8,776 |
| Net operating income | $-64,000 | 8,395 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,433,000 | 4,091 |
| Total interest expense | $1,052,000 | 3,990 |
| Net interest income | $2,381,000 | 4,079 |
| Provision for loan and lease losses | $122,000 | 2,993 |
| Total noninterest income | $193,000 | 5,813 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $165,000 | 3,927 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $28,000 | 7,271 |
| Total noninterest expense | $2,506,000 | 3,183 |
| Salaries and employee benefits | $1,411,000 | 3,089 |
| Premises and equipment expense | $420,000 | 2,718 |
| Additional noninterest expense | $675,000 | 3,456 |
| Pre-tax net operating income | $-54,000 | 8,430 |
| Securities gains (losses) | $29,000 | 979 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-25,000 | 8,433 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-25,000 | 8,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,825 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-54,000 | 8,438 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,639,000 | 4,204 |
| Total interest expense | $513,000 | 3,952 |
| Net interest income | $1,126,000 | 4,251 |
| Provision for loan and lease losses | $61,000 | 2,818 |
| Total noninterest income | $118,000 | 5,312 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $97,000 | 3,512 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $1,232,000 | 3,243 |
| Salaries and employee benefits | $709,000 | 3,094 |
| Premises and equipment expense | $204,000 | 2,835 |
| Additional noninterest expense | $319,000 | 3,619 |
| Pre-tax net operating income | $-49,000 | 8,576 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-49,000 | 8,595 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-49,000 | 8,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,779 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-49,000 | 8,573 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,090,000 | 4,791 |
| Total interest expense | $1,287,000 | 4,919 |
| Net interest income | $3,803,000 | 4,654 |
| Provision for loan and lease losses | $266,000 | 3,140 |
| Total noninterest income | $1,181,000 | 3,164 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $411,000 | 3,582 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $770,000 | 2,563 |
| Total noninterest expense | $4,045,000 | 3,710 |
| Salaries and employee benefits | $1,989,000 | 4,018 |
| Premises and equipment expense | $422,000 | 4,597 |
| Additional noninterest expense | $1,634,000 | 2,922 |
| Pre-tax net operating income | $673,000 | 6,183 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $673,000 | 5,688 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $673,000 | 5,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,390 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 843 |
| Net operating income | $673,000 | 5,627 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,556,000 | 5,004 |
| Total interest expense | $864,000 | 5,199 |
| Net interest income | $2,692,000 | 4,808 |
| Provision for loan and lease losses | $209,000 | 2,924 |
| Total noninterest income | $926,000 | 3,093 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $290,000 | 3,747 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $636,000 | 2,419 |
| Total noninterest expense | $2,924,000 | 3,789 |
| Salaries and employee benefits | $1,426,000 | 4,117 |
| Premises and equipment expense | $289,000 | 4,880 |
| Additional noninterest expense | $1,209,000 | 2,915 |
| Pre-tax net operating income | $485,000 | 6,384 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $485,000 | 5,883 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $485,000 | 5,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,190 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $485,000 | 5,808 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,185,000 | 5,267 |
| Total interest expense | $532,000 | 5,472 |
| Net interest income | $1,653,000 | 5,090 |
| Provision for loan and lease losses | $156,000 | 2,636 |
| Total noninterest income | $564,000 | 3,306 |
| 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 | $382,000 | 2,583 |
| Total noninterest expense | $1,847,000 | 3,990 |
| Salaries and employee benefits | $880,000 | 4,403 |
| Premises and equipment expense | $193,000 | 4,879 |
| Additional noninterest expense | $774,000 | 3,028 |
| Pre-tax net operating income | $214,000 | 7,083 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $214,000 | 6,761 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $214,000 | 6,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $214,000 | 6,675 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,029,000 | 5,492 |
| Total interest expense | $265,000 | 5,558 |
| Net interest income | $764,000 | 5,363 |
| Provision for loan and lease losses | $96,000 | 2,191 |
| Total noninterest income | $254,000 | 3,487 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $90,000 | 3,830 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $164,000 | 2,783 |
| Total noninterest expense | $869,000 | 4,208 |
| Salaries and employee benefits | $378,000 | 4,925 |
| Premises and equipment expense | $117,000 | 4,321 |
| Additional noninterest expense | $374,000 | 3,098 |
| Pre-tax net operating income | $53,000 | 7,880 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $53,000 | 7,729 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $53,000 | 7,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,046 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $53,000 | 7,661 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,007,000 | 5,639 |
| Total interest expense | $1,249,000 | 5,438 |
| Net interest income | $2,758,000 | 5,581 |
| Provision for loan and lease losses | $207,000 | 3,962 |
| Total noninterest income | $1,125,000 | 3,446 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $227,000 | 4,982 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $898,000 | 2,550 |
| Total noninterest expense | $3,425,000 | 4,187 |
| Salaries and employee benefits | $1,380,000 | 5,137 |
| Premises and equipment expense | $430,000 | 4,505 |
| Additional noninterest expense | $1,615,000 | 2,880 |
| Pre-tax net operating income | $251,000 | 7,634 |
| Securities gains (losses) | $11,000 | 3,560 |
| Applicable income taxes | $2,000 | 7,318 |
| Income before extraordinary items | $260,000 | 7,469 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $260,000 | 7,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,002 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $4,776,000 | 206 |
| Net operating income | $249,110 | 7,393 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,936,000 | 5,784 |
| Total interest expense | $988,000 | 5,417 |
| Net interest income | $1,948,000 | 5,793 |
| Provision for loan and lease losses | $155,000 | 3,838 |
| Total noninterest income | $902,000 | 3,363 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $152,000 | 5,273 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $750,000 | 2,458 |
| Total noninterest expense | $2,527,000 | 4,231 |
| Salaries and employee benefits | $973,000 | 5,343 |
| Premises and equipment expense | $314,000 | 4,572 |
| Additional noninterest expense | $1,240,000 | 2,802 |
| Pre-tax net operating income | $168,000 | 7,884 |
| Securities gains (losses) | $11,000 | 3,280 |
| Applicable income taxes | $2,000 | 7,369 |
| Income before extraordinary items | $177,000 | 7,738 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $177,000 | 7,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,399 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $166,110 | 7,659 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,919,000 | 5,882 |
| Total interest expense | $645,000 | 5,599 |
| Net interest income | $1,274,000 | 5,866 |
| Provision for loan and lease losses | $104,000 | 3,807 |
| Total noninterest income | $676,000 | 3,085 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $91,000 | 5,480 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $585,000 | 2,220 |
| Total noninterest expense | $1,738,000 | 4,119 |
| Salaries and employee benefits | $656,000 | 5,318 |
| Premises and equipment expense | $205,000 | 4,630 |
| Additional noninterest expense | $877,000 | 2,671 |
| Pre-tax net operating income | $108,000 | 7,940 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,000 | 7,353 |
| Income before extraordinary items | $106,000 | 7,890 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $106,000 | 7,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $106,000 | 7,717 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $927,000 | 6,006 |
| Total interest expense | $308,000 | 5,862 |
| Net interest income | $619,000 | 5,960 |
| Provision for loan and lease losses | $52,000 | 3,624 |
| Total noninterest income | $116,000 | 5,535 |
| 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 | $78,000 | 4,393 |
| Total noninterest expense | $641,000 | 5,116 |
| Salaries and employee benefits | $307,000 | 5,548 |
| Premises and equipment expense | $97,000 | 4,800 |
| Additional noninterest expense | $237,000 | 4,391 |
| Pre-tax net operating income | $42,000 | 8,115 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $41,000 | 8,078 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $41,000 | 8,077 |
| 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 | $41,000 | 7,929 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,207,000 | 7,636 |
| Total interest expense | $790,000 | 7,546 |
| Net interest income | $1,417,000 | 7,564 |
| Provision for loan and lease losses | $557,000 | 2,200 |
| Total noninterest income | $275,000 | 6,656 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $90,000 | 6,759 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $185,000 | 5,185 |
| Total noninterest expense | $2,069,000 | 5,768 |
| Salaries and employee benefits | $815,000 | 6,831 |
| Premises and equipment expense | $370,000 | 4,916 |
| Additional noninterest expense | $884,000 | 4,604 |
| Pre-tax net operating income | $-935,000 | 9,105 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,000 | 7,615 |
| Income before extraordinary items | $-935,000 | 9,164 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-935,000 | 9,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,170 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $2,229,000 | 273 |
| Net operating income | $-935,000 | 9,131 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $639,000 | 9,358 |
| Total interest expense | $169,000 | 9,411 |
| Net interest income | $470,000 | 9,230 |
| Provision for loan and lease losses | $110,000 | 5,436 |
| Total noninterest income | $57,000 | 9,083 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $17,000 | 8,172 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $40,000 | 8,001 |
| Total noninterest expense | $1,694,000 | 6,350 |
| Salaries and employee benefits | $705,000 | 7,182 |
| Premises and equipment expense | $308,000 | 5,445 |
| Additional noninterest expense | $681,000 | 5,389 |
| Pre-tax net operating income | $-1,277,000 | 9,425 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,000 | 7,858 |
| Income before extraordinary items | $-1,278,000 | 9,466 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,278,000 | 9,466 |
| 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 | $6,090,000 | 141 |
| Net operating income | $-1,278,000 | 9,436 |
* 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.