Home > Carolina National Bank and Trust Company > Income and Expense
Carolina National Bank and Trust Company, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,392,000 | 2,487 |
| Total interest expense | $8,036,000 | 2,308 |
| Net interest income | $8,356,000 | 2,621 |
| Provision for loan and lease losses | $212,000 | 3,772 |
| Total noninterest income | $386,000 | 5,565 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $266,000 | 4,335 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $120,000 | 5,934 |
| Total noninterest expense | $5,924,000 | 2,996 |
| Salaries and employee benefits | $2,762,000 | 3,451 |
| Premises and equipment expense | $894,000 | 2,817 |
| Additional noninterest expense | $2,268,000 | 2,376 |
| Pre-tax net operating income | $2,606,000 | 2,735 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $953,000 | 1,924 |
| Income before extraordinary items | $1,653,000 | 3,220 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,653,000 | 3,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 3,121 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,653,000 | 3,209 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,302,000 | 2,497 |
| Total interest expense | $5,897,000 | 2,345 |
| Net interest income | $6,405,000 | 2,586 |
| Provision for loan and lease losses | $212,000 | 2,907 |
| Total noninterest income | $284,000 | 5,646 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $196,000 | 4,377 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $88,000 | 6,009 |
| Total noninterest expense | $4,409,000 | 3,000 |
| Salaries and employee benefits | $2,040,000 | 3,472 |
| Premises and equipment expense | $657,000 | 2,846 |
| Additional noninterest expense | $1,712,000 | 2,317 |
| Pre-tax net operating income | $2,068,000 | 2,769 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $757,000 | 1,977 |
| Income before extraordinary items | $1,311,000 | 3,256 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,311,000 | 3,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,644 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,311,000 | 3,245 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,076,000 | 2,543 |
| Total interest expense | $3,789,000 | 2,431 |
| Net interest income | $4,287,000 | 2,608 |
| Provision for loan and lease losses | $94,000 | 3,390 |
| Total noninterest income | $183,000 | 5,749 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $126,000 | 4,462 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $57,000 | 6,076 |
| Total noninterest expense | $2,746,000 | 3,197 |
| Salaries and employee benefits | $1,339,000 | 3,550 |
| Premises and equipment expense | $431,000 | 2,914 |
| Additional noninterest expense | $976,000 | 2,686 |
| Pre-tax net operating income | $1,630,000 | 2,536 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $597,000 | 1,847 |
| Income before extraordinary items | $1,033,000 | 2,970 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,033,000 | 2,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,834 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,033,000 | 2,955 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,955,000 | 2,582 |
| Total interest expense | $1,810,000 | 2,530 |
| Net interest income | $2,145,000 | 2,598 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $103,000 | 5,473 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $69,000 | 4,205 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $34,000 | 5,782 |
| Total noninterest expense | $1,352,000 | 3,244 |
| Salaries and employee benefits | $704,000 | 3,441 |
| Premises and equipment expense | $209,000 | 3,000 |
| Additional noninterest expense | $439,000 | 2,927 |
| Pre-tax net operating income | $896,000 | 2,353 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $328,000 | 1,754 |
| Income before extraordinary items | $568,000 | 2,755 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $568,000 | 2,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,009 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $568,000 | 2,742 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,534,000 | 2,786 |
| Total interest expense | $5,542,000 | 2,776 |
| Net interest income | $7,992,000 | 2,756 |
| Provision for loan and lease losses | $603,000 | 1,603 |
| Total noninterest income | $412,000 | 5,543 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $216,000 | 4,820 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $196,000 | 5,158 |
| Total noninterest expense | $4,666,000 | 3,538 |
| Salaries and employee benefits | $2,364,000 | 3,765 |
| Premises and equipment expense | $649,000 | 3,544 |
| Additional noninterest expense | $1,653,000 | 3,036 |
| Pre-tax net operating income | $3,135,000 | 2,694 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,149,000 | 2,006 |
| Income before extraordinary items | $1,986,000 | 3,117 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,986,000 | 3,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,037 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,986,000 | 3,107 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,654,000 | 2,891 |
| Total interest expense | $3,816,000 | 2,902 |
| Net interest income | $5,838,000 | 2,845 |
| Provision for loan and lease losses | $340,000 | 1,939 |
| Total noninterest income | $300,000 | 5,636 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $163,000 | 4,855 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $137,000 | 5,292 |
| Total noninterest expense | $3,369,000 | 3,638 |
| Salaries and employee benefits | $1,716,000 | 3,857 |
| Premises and equipment expense | $452,000 | 3,762 |
| Additional noninterest expense | $1,201,000 | 3,134 |
| Pre-tax net operating income | $2,429,000 | 2,723 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $863,000 | 2,082 |
| Income before extraordinary items | $1,566,000 | 3,110 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,566,000 | 3,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,566,000 | 3,100 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,104,000 | 2,978 |
| Total interest expense | $2,325,000 | 3,014 |
| Net interest income | $3,779,000 | 2,940 |
| Provision for loan and lease losses | $251,000 | 1,752 |
| Total noninterest income | $207,000 | 5,553 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $110,000 | 4,799 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $97,000 | 5,198 |
| Total noninterest expense | $2,179,000 | 3,728 |
| Salaries and employee benefits | $1,133,000 | 3,909 |
| Premises and equipment expense | $296,000 | 3,809 |
| Additional noninterest expense | $750,000 | 3,299 |
| Pre-tax net operating income | $1,556,000 | 2,809 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $529,000 | 2,227 |
| Income before extraordinary items | $1,027,000 | 3,155 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,027,000 | 3,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,027,000 | 3,139 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,855,000 | 3,094 |
| Total interest expense | $1,066,000 | 3,096 |
| Net interest income | $1,789,000 | 3,077 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $96,000 | 5,679 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $51,000 | 4,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,314 |
| Total noninterest expense | $1,102,000 | 3,716 |
| Salaries and employee benefits | $630,000 | 3,623 |
| Premises and equipment expense | $144,000 | 3,911 |
| Additional noninterest expense | $328,000 | 3,629 |
| Pre-tax net operating income | $633,000 | 3,195 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $215,000 | 2,504 |
| Income before extraordinary items | $418,000 | 3,578 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $418,000 | 3,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $418,000 | 3,559 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,012,000 | 3,755 |
| Total interest expense | $2,997,000 | 3,332 |
| Net interest income | $5,015,000 | 3,940 |
| Provision for loan and lease losses | $559,000 | 1,742 |
| Total noninterest income | $374,000 | 5,862 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $197,000 | 5,074 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $177,000 | 5,415 |
| Total noninterest expense | $3,891,000 | 3,938 |
| Salaries and employee benefits | $2,323,000 | 3,687 |
| Premises and equipment expense | $475,000 | 4,327 |
| Additional noninterest expense | $1,093,000 | 4,126 |
| Pre-tax net operating income | $939,000 | 5,532 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $318,000 | 4,058 |
| Income before extraordinary items | $621,000 | 5,928 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $621,000 | 5,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $621,000 | 5,903 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,456,000 | 3,992 |
| Total interest expense | $2,002,000 | 3,510 |
| Net interest income | $3,454,000 | 4,186 |
| Provision for loan and lease losses | $457,000 | 1,518 |
| Total noninterest income | $271,000 | 5,988 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $177,000 | 4,724 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $94,000 | 6,039 |
| Total noninterest expense | $2,715,000 | 4,137 |
| Salaries and employee benefits | $1,614,000 | 3,889 |
| Premises and equipment expense | $344,000 | 4,415 |
| Additional noninterest expense | $757,000 | 4,365 |
| Pre-tax net operating income | $553,000 | 6,193 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $187,000 | 4,516 |
| Income before extraordinary items | $366,000 | 6,564 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $366,000 | 6,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $366,000 | 6,521 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,320,000 | 4,187 |
| Total interest expense | $1,235,000 | 3,546 |
| Net interest income | $2,085,000 | 4,492 |
| Provision for loan and lease losses | $320,000 | 1,432 |
| Total noninterest income | $163,000 | 6,177 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $108,000 | 4,882 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $55,000 | 6,254 |
| Total noninterest expense | $1,734,000 | 4,273 |
| Salaries and employee benefits | $1,024,000 | 4,001 |
| Premises and equipment expense | $222,000 | 4,471 |
| Additional noninterest expense | $488,000 | 4,463 |
| Pre-tax net operating income | $194,000 | 7,254 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $66,000 | 5,270 |
| Income before extraordinary items | $128,000 | 7,522 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $128,000 | 7,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $128,000 | 7,477 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,496,000 | 4,500 |
| Total interest expense | $546,000 | 3,778 |
| Net interest income | $950,000 | 4,789 |
| Provision for loan and lease losses | $154,000 | 1,359 |
| Total noninterest income | $79,000 | 6,196 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $38,000 | 5,561 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $41,000 | 5,596 |
| Total noninterest expense | $835,000 | 4,421 |
| Salaries and employee benefits | $466,000 | 4,316 |
| Premises and equipment expense | $108,000 | 4,611 |
| Additional noninterest expense | $261,000 | 4,224 |
| Pre-tax net operating income | $40,000 | 8,020 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $14,000 | 5,897 |
| Income before extraordinary items | $26,000 | 8,160 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $26,000 | 8,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $26,000 | 8,134 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,876,000 | 5,647 |
| Total interest expense | $1,229,000 | 5,054 |
| Net interest income | $2,647,000 | 5,820 |
| Provision for loan and lease losses | $522,000 | 1,894 |
| Total noninterest income | $273,000 | 6,591 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $133,000 | 6,006 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $140,000 | 5,820 |
| Total noninterest expense | $3,149,000 | 4,506 |
| Salaries and employee benefits | $1,753,000 | 4,417 |
| Premises and equipment expense | $403,000 | 4,733 |
| Additional noninterest expense | $993,000 | 4,378 |
| Pre-tax net operating income | $-751,000 | 8,741 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-259,000 | 8,843 |
| Income before extraordinary items | $-492,000 | 8,717 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-492,000 | 8,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-492,000 | 8,691 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,623,000 | 5,972 |
| Total interest expense | $843,000 | 5,296 |
| Net interest income | $1,780,000 | 6,164 |
| Provision for loan and lease losses | $391,000 | 1,815 |
| Total noninterest income | $206,000 | 6,619 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $14,000 | 7,719 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $192,000 | 4,583 |
| Total noninterest expense | $2,361,000 | 4,483 |
| Salaries and employee benefits | $1,299,000 | 4,420 |
| Premises and equipment expense | $300,000 | 4,749 |
| Additional noninterest expense | $762,000 | 4,230 |
| Pre-tax net operating income | $-766,000 | 8,852 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-265,000 | 8,933 |
| Income before extraordinary items | $-501,000 | 8,810 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-501,000 | 8,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-501,000 | 8,785 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,577,000 | 6,306 |
| Total interest expense | $497,000 | 5,668 |
| Net interest income | $1,080,000 | 6,456 |
| Provision for loan and lease losses | $293,000 | 1,626 |
| Total noninterest income | $141,000 | 6,599 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $9,000 | 7,775 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $132,000 | 4,565 |
| Total noninterest expense | $1,551,000 | 4,559 |
| Salaries and employee benefits | $861,000 | 4,466 |
| Premises and equipment expense | $192,000 | 4,896 |
| Additional noninterest expense | $498,000 | 4,324 |
| Pre-tax net operating income | $-623,000 | 8,939 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-144,000 | 8,968 |
| Income before extraordinary items | $-479,000 | 8,927 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-479,000 | 8,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-479,000 | 8,905 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $721,000 | 6,617 |
| Total interest expense | $235,000 | 5,876 |
| Net interest income | $486,000 | 6,763 |
| Provision for loan and lease losses | $103,000 | 2,085 |
| Total noninterest income | $67,000 | 6,667 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $4,000 | 7,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $63,000 | 4,647 |
| Total noninterest expense | $781,000 | 4,552 |
| Salaries and employee benefits | $438,000 | 4,435 |
| Premises and equipment expense | $94,000 | 5,013 |
| Additional noninterest expense | $249,000 | 4,333 |
| Pre-tax net operating income | $-331,000 | 8,983 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-113,000 | 9,040 |
| Income before extraordinary items | $-218,000 | 8,955 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-218,000 | 8,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-218,000 | 8,930 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 7,913 |
| Total interest expense | $511,000 | 7,692 |
| Net interest income | $1,138,000 | 7,902 |
| Provision for loan and lease losses | $648,000 | 1,744 |
| Total noninterest income | $305,000 | 6,566 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $9,000 | 7,947 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $296,000 | 4,542 |
| Total noninterest expense | $2,631,000 | 5,029 |
| Salaries and employee benefits | $1,487,000 | 4,873 |
| Premises and equipment expense | $345,000 | 5,221 |
| Additional noninterest expense | $799,000 | 5,049 |
| Pre-tax net operating income | $-1,836,000 | 9,066 |
| Securities gains (losses) | $-12,000 | 8,804 |
| Applicable income taxes | $-623,000 | 9,105 |
| Income before extraordinary items | $-1,225,000 | 9,065 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,225,000 | 9,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,217,080 | 9,018 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,070,000 | 8,228 |
| Total interest expense | $343,000 | 8,054 |
| Net interest income | $727,000 | 8,210 |
| Provision for loan and lease losses | $420,000 | 1,956 |
| Total noninterest income | $252,000 | 6,392 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $5,000 | 8,030 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $247,000 | 4,401 |
| Total noninterest expense | $1,883,000 | 5,187 |
| Salaries and employee benefits | $1,067,000 | 5,026 |
| Premises and equipment expense | $252,000 | 5,303 |
| Additional noninterest expense | $564,000 | 5,226 |
| Pre-tax net operating income | $-1,324,000 | 9,120 |
| Securities gains (losses) | $-12,000 | 8,961 |
| Applicable income taxes | $-454,000 | 9,166 |
| Income before extraordinary items | $-882,000 | 9,109 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-882,000 | 9,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-874,080 | 9,068 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $618,000 | 8,499 |
| Total interest expense | $213,000 | 8,249 |
| Net interest income | $405,000 | 8,501 |
| Provision for loan and lease losses | $296,000 | 1,889 |
| Total noninterest income | $188,000 | 6,138 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $3,000 | 8,063 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $185,000 | 4,173 |
| Total noninterest expense | $1,273,000 | 5,131 |
| Salaries and employee benefits | $711,000 | 5,022 |
| Premises and equipment expense | $168,000 | 5,277 |
| Additional noninterest expense | $394,000 | 5,057 |
| Pre-tax net operating income | $-976,000 | 9,155 |
| Securities gains (losses) | $-12,000 | 9,065 |
| Applicable income taxes | $-336,000 | 9,205 |
| Income before extraordinary items | $-652,000 | 9,168 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-652,000 | 9,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-644,080 | 9,116 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $252,000 | 8,780 |
| Total interest expense | $108,000 | 8,326 |
| Net interest income | $144,000 | 8,885 |
| Provision for loan and lease losses | $161,000 | 1,609 |
| Total noninterest income | $91,000 | 6,131 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,000 | 8,100 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $90,000 | 4,120 |
| Total noninterest expense | $571,000 | 5,512 |
| Salaries and employee benefits | $337,000 | 5,232 |
| Premises and equipment expense | $87,000 | 5,158 |
| Additional noninterest expense | $147,000 | 6,005 |
| Pre-tax net operating income | $-497,000 | 9,196 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-169,000 | 9,248 |
| Income before extraordinary items | $-328,000 | 9,196 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-328,000 | 9,192 |
| 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 | $-328,000 | 9,143 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $299,000 | 9,238 |
| Total interest expense | $164,000 | 9,114 |
| Net interest income | $135,000 | 9,274 |
| Provision for loan and lease losses | $152,000 | 4,891 |
| Total noninterest income | $150,000 | 7,827 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,000 | 8,184 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $149,000 | 5,615 |
| Total noninterest expense | $2,270,000 | 5,437 |
| Salaries and employee benefits | $560,000 | 7,890 |
| Premises and equipment expense | $141,000 | 7,569 |
| Additional noninterest expense | $1,569,000 | 2,857 |
| Pre-tax net operating income | $-2,137,000 | 9,253 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-719,000 | 9,277 |
| Income before extraordinary items | $-1,418,000 | 9,235 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,418,000 | 9,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $9,300,000 | 68 |
| Net operating income | $-1,418,000 | 9,205 |
* 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.