Home > Central Florida State Bank > Income and Expense
Central Florida State Bank, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,952,000 | 5,792 |
| Total interest expense | $869,000 | 4,729 |
| Net interest income | $2,083,000 | 6,000 |
| Provision for loan and lease losses | $3,004,000 | 1,191 |
| Total noninterest income | $-1,695,000 | 7,287 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $41,000 | 6,479 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-1,736,000 | 7,250 |
| Total noninterest expense | $2,986,000 | 4,895 |
| Salaries and employee benefits | $1,042,000 | 5,791 |
| Premises and equipment expense | $419,000 | 4,462 |
| Additional noninterest expense | $1,525,000 | 3,816 |
| Pre-tax net operating income | $-5,602,000 | 7,089 |
| Securities gains (losses) | $-6,000 | 6,837 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-5,608,000 | 7,096 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,608,000 | 7,094 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-5,608,000 | 7,095 |
| Net charge-offs | $4,172,000 | 926 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-5,602,000 | 7,084 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,273,000 | 5,794 |
| Total interest expense | $680,000 | 4,755 |
| Net interest income | $1,593,000 | 6,008 |
| Provision for loan and lease losses | $2,371,000 | 1,101 |
| Total noninterest income | $-1,756,000 | 7,384 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $30,000 | 6,526 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-1,786,000 | 7,368 |
| Total noninterest expense | $2,251,000 | 4,885 |
| Salaries and employee benefits | $799,000 | 5,773 |
| Premises and equipment expense | $328,000 | 4,411 |
| Additional noninterest expense | $1,124,000 | 3,861 |
| Pre-tax net operating income | $-4,785,000 | 7,222 |
| Securities gains (losses) | $-5,000 | 6,954 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-4,790,000 | 7,239 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,790,000 | 7,237 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-4,790,000 | 7,238 |
| Net charge-offs | $3,164,000 | 907 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-4,785,000 | 7,233 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,590,000 | 5,751 |
| Total interest expense | $460,000 | 4,833 |
| Net interest income | $1,130,000 | 5,935 |
| Provision for loan and lease losses | $515,000 | 2,273 |
| Total noninterest income | $33,000 | 6,853 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $20,000 | 6,547 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 6,489 |
| Total noninterest expense | $2,477,000 | 3,597 |
| Salaries and employee benefits | $560,000 | 5,720 |
| Premises and equipment expense | $215,000 | 4,497 |
| Additional noninterest expense | $1,702,000 | 2,007 |
| Pre-tax net operating income | $-1,829,000 | 7,150 |
| Securities gains (losses) | $-4,000 | 6,995 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-1,833,000 | 7,194 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,833,000 | 7,195 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,833,000 | 7,195 |
| Net charge-offs | $2,292,000 | 830 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,829,000 | 7,180 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $811,000 | 5,753 |
| Total interest expense | $227,000 | 4,980 |
| Net interest income | $584,000 | 5,886 |
| Provision for loan and lease losses | $380,000 | 1,691 |
| Total noninterest income | $27,000 | 6,580 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $10,000 | 6,519 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $17,000 | 5,953 |
| Total noninterest expense | $947,000 | 4,341 |
| Salaries and employee benefits | $282,000 | 5,753 |
| Premises and equipment expense | $103,000 | 4,637 |
| Additional noninterest expense | $562,000 | 2,879 |
| Pre-tax net operating income | $-716,000 | 7,189 |
| Securities gains (losses) | $-3,000 | 7,054 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-719,000 | 7,222 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-719,000 | 7,222 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-719,000 | 7,223 |
| Net charge-offs | $2,115,000 | 523 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-716,000 | 7,216 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,780,000 | 5,537 |
| Total interest expense | $1,263,000 | 4,681 |
| Net interest income | $2,517,000 | 5,752 |
| Provision for loan and lease losses | $4,668,000 | 1,209 |
| Total noninterest income | $170,000 | 6,160 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $41,000 | 6,372 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $129,000 | 5,136 |
| Total noninterest expense | $3,169,000 | 4,875 |
| Salaries and employee benefits | $1,309,000 | 5,427 |
| Premises and equipment expense | $432,000 | 4,563 |
| Additional noninterest expense | $1,428,000 | 4,136 |
| Pre-tax net operating income | $-5,150,000 | 7,116 |
| Securities gains (losses) | $356,000 | 1,121 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-4,794,000 | 7,161 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,794,000 | 7,161 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-4,794,000 | 7,161 |
| Net charge-offs | $4,260,000 | 1,159 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-5,150,000 | 7,162 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,903,000 | 5,571 |
| Total interest expense | $1,011,000 | 4,674 |
| Net interest income | $1,892,000 | 5,826 |
| Provision for loan and lease losses | $3,455,000 | 1,154 |
| Total noninterest income | $108,000 | 6,456 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $32,000 | 6,416 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $76,000 | 5,558 |
| Total noninterest expense | $2,308,000 | 4,963 |
| Salaries and employee benefits | $1,026,000 | 5,356 |
| Premises and equipment expense | $333,000 | 4,560 |
| Additional noninterest expense | $949,000 | 4,462 |
| Pre-tax net operating income | $-3,763,000 | 7,279 |
| Securities gains (losses) | $353,000 | 959 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-3,410,000 | 7,318 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-3,410,000 | 7,317 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-3,410,000 | 7,318 |
| Net charge-offs | $3,586,000 | 983 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,763,000 | 7,329 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,028,000 | 5,514 |
| Total interest expense | $695,000 | 4,704 |
| Net interest income | $1,333,000 | 5,720 |
| Provision for loan and lease losses | $2,400,000 | 1,109 |
| Total noninterest income | $83,000 | 6,328 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $21,000 | 6,463 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $62,000 | 5,330 |
| Total noninterest expense | $1,659,000 | 4,755 |
| Salaries and employee benefits | $700,000 | 5,320 |
| Premises and equipment expense | $221,000 | 4,603 |
| Additional noninterest expense | $738,000 | 3,996 |
| Pre-tax net operating income | $-2,643,000 | 7,372 |
| Securities gains (losses) | $369,000 | 605 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-2,274,000 | 7,374 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,274,000 | 7,373 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,274,000 | 7,374 |
| Net charge-offs | $1,408,000 | 1,421 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,643,000 | 7,402 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,040,000 | 5,513 |
| Total interest expense | $347,000 | 4,845 |
| Net interest income | $693,000 | 5,687 |
| Provision for loan and lease losses | $2,400,000 | 646 |
| Total noninterest income | $30,000 | 6,746 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $11,000 | 6,478 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $19,000 | 5,996 |
| Total noninterest expense | $806,000 | 4,895 |
| Salaries and employee benefits | $345,000 | 5,408 |
| Premises and equipment expense | $112,000 | 4,636 |
| Additional noninterest expense | $349,000 | 4,161 |
| Pre-tax net operating income | $-2,483,000 | 7,650 |
| Securities gains (losses) | $368,000 | 322 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,115,000 | 7,656 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,115,000 | 7,657 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,115,000 | 7,657 |
| Net charge-offs | $850,000 | 1,159 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,483,000 | 7,678 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,435,000 | 4,889 |
| Total interest expense | $2,444,000 | 3,958 |
| Net interest income | $2,991,000 | 5,393 |
| Provision for loan and lease losses | $3,579,000 | 1,773 |
| Total noninterest income | $-396,000 | 7,868 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $57,000 | 6,369 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-453,000 | 7,796 |
| Total noninterest expense | $3,223,000 | 4,975 |
| Salaries and employee benefits | $1,618,000 | 4,969 |
| Premises and equipment expense | $476,000 | 4,506 |
| Additional noninterest expense | $1,129,000 | 4,899 |
| Pre-tax net operating income | $-4,207,000 | 7,088 |
| Securities gains (losses) | $204,000 | 1,537 |
| Applicable income taxes | $74,000 | 3,046 |
| Income before extraordinary items | $-4,077,000 | 7,166 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,077,000 | 7,165 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,077,000 | 7,165 |
| Net charge-offs | $2,249,000 | 1,896 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-4,281,000 | 7,190 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,250,000 | 4,846 |
| Total interest expense | $2,006,000 | 3,841 |
| Net interest income | $2,244,000 | 5,412 |
| Provision for loan and lease losses | $3,194,000 | 1,427 |
| Total noninterest income | $-457,000 | 8,003 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $45,000 | 6,374 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-502,000 | 7,960 |
| Total noninterest expense | $2,443,000 | 4,947 |
| Salaries and employee benefits | $1,221,000 | 4,991 |
| Premises and equipment expense | $367,000 | 4,490 |
| Additional noninterest expense | $855,000 | 4,866 |
| Pre-tax net operating income | $-3,850,000 | 7,400 |
| Securities gains (losses) | $1,000 | 3,393 |
| Applicable income taxes | $410,000 | 1,602 |
| Income before extraordinary items | $-4,259,000 | 7,510 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,259,000 | 7,510 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,259,000 | 7,510 |
| Net charge-offs | $2,368,000 | 1,367 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,260,000 | 7,517 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,941,000 | 4,766 |
| Total interest expense | $1,396,000 | 3,852 |
| Net interest income | $1,545,000 | 5,333 |
| Provision for loan and lease losses | $350,000 | 3,472 |
| Total noninterest income | $-493,000 | 8,108 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $34,000 | 6,274 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-527,000 | 8,084 |
| Total noninterest expense | $1,686,000 | 4,886 |
| Salaries and employee benefits | $827,000 | 4,998 |
| Premises and equipment expense | $245,000 | 4,511 |
| Additional noninterest expense | $614,000 | 4,657 |
| Pre-tax net operating income | $-984,000 | 7,018 |
| Securities gains (losses) | $-7,000 | 7,447 |
| Applicable income taxes | $-380,000 | 7,500 |
| Income before extraordinary items | $-611,000 | 6,872 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-611,000 | 6,872 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-611,000 | 6,872 |
| Net charge-offs | $22,000 | 5,547 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-606,520 | 6,851 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,489,000 | 4,776 |
| Total interest expense | $735,000 | 3,817 |
| Net interest income | $754,000 | 5,386 |
| Provision for loan and lease losses | $75,000 | 4,299 |
| Total noninterest income | $53,000 | 6,292 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $17,000 | 6,257 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $36,000 | 5,346 |
| Total noninterest expense | $840,000 | 4,807 |
| Salaries and employee benefits | $437,000 | 4,885 |
| Premises and equipment expense | $124,000 | 4,533 |
| Additional noninterest expense | $279,000 | 4,631 |
| Pre-tax net operating income | $-108,000 | 6,684 |
| Securities gains (losses) | $-1,000 | 7,699 |
| Applicable income taxes | $-41,000 | 7,394 |
| Income before extraordinary items | $-68,000 | 6,724 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-68,000 | 6,725 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-68,000 | 6,725 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-67,360 | 6,620 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,478,000 | 4,309 |
| Total interest expense | $3,864,000 | 3,601 |
| Net interest income | $3,614,000 | 4,884 |
| Provision for loan and lease losses | $1,938,000 | 1,833 |
| Total noninterest income | $316,000 | 5,743 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $72,000 | 6,294 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $244,000 | 4,490 |
| Total noninterest expense | $3,404,000 | 4,728 |
| Salaries and employee benefits | $1,893,000 | 4,646 |
| Premises and equipment expense | $522,000 | 4,344 |
| Additional noninterest expense | $989,000 | 4,856 |
| Pre-tax net operating income | $-1,412,000 | 7,181 |
| Securities gains (losses) | $45,000 | 1,683 |
| Applicable income taxes | $-499,000 | 7,498 |
| Income before extraordinary items | $-868,000 | 6,929 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-868,000 | 6,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,247,000 | 1,734 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-896,800 | 7,061 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,887,000 | 4,257 |
| Total interest expense | $2,998,000 | 3,628 |
| Net interest income | $2,889,000 | 4,727 |
| Provision for loan and lease losses | $846,000 | 2,024 |
| Total noninterest income | $242,000 | 5,775 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $54,000 | 6,347 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $188,000 | 4,535 |
| Total noninterest expense | $2,551,000 | 4,712 |
| Salaries and employee benefits | $1,451,000 | 4,586 |
| Premises and equipment expense | $390,000 | 4,378 |
| Additional noninterest expense | $710,000 | 4,908 |
| Pre-tax net operating income | $-266,000 | 7,085 |
| Securities gains (losses) | $45,000 | 1,495 |
| Applicable income taxes | $-86,000 | 7,515 |
| Income before extraordinary items | $-135,000 | 6,833 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-135,000 | 6,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,971 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-163,800 | 7,038 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,046,000 | 4,220 |
| Total interest expense | $2,100,000 | 3,622 |
| Net interest income | $1,946,000 | 4,706 |
| Provision for loan and lease losses | $795,000 | 1,429 |
| Total noninterest income | $191,000 | 5,524 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $37,000 | 6,331 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $154,000 | 4,270 |
| Total noninterest expense | $1,665,000 | 4,799 |
| Salaries and employee benefits | $968,000 | 4,632 |
| Premises and equipment expense | $256,000 | 4,442 |
| Additional noninterest expense | $441,000 | 5,116 |
| Pre-tax net operating income | $-323,000 | 7,455 |
| Securities gains (losses) | $45,000 | 1,513 |
| Applicable income taxes | $-106,000 | 7,865 |
| Income before extraordinary items | $-172,000 | 7,368 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-172,000 | 7,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 3,355 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-200,800 | 7,388 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,089,000 | 4,195 |
| Total interest expense | $1,139,000 | 3,574 |
| Net interest income | $950,000 | 4,795 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $91,000 | 5,627 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $17,000 | 6,420 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $74,000 | 4,349 |
| Total noninterest expense | $862,000 | 4,716 |
| Salaries and employee benefits | $508,000 | 4,499 |
| Premises and equipment expense | $105,000 | 5,030 |
| Additional noninterest expense | $249,000 | 4,702 |
| Pre-tax net operating income | $179,000 | 5,153 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $67,000 | 3,264 |
| Income before extraordinary items | $112,000 | 5,680 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $112,000 | 5,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,845 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $112,000 | 5,577 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,080,000 | 4,013 |
| Total interest expense | $5,142,000 | 3,396 |
| Net interest income | $3,938,000 | 4,665 |
| Provision for loan and lease losses | $89,000 | 5,085 |
| Total noninterest income | $441,000 | 5,289 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $58,000 | 6,627 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $383,000 | 3,817 |
| Total noninterest expense | $3,509,000 | 4,509 |
| Salaries and employee benefits | $2,092,000 | 4,253 |
| Premises and equipment expense | $412,000 | 4,932 |
| Additional noninterest expense | $1,005,000 | 4,649 |
| Pre-tax net operating income | $781,000 | 5,215 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $290,000 | 3,414 |
| Income before extraordinary items | $492,000 | 5,705 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $492,000 | 5,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,217 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,266 |
| Net operating income | $491,360 | 5,694 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,715,000 | 4,067 |
| Total interest expense | $3,779,000 | 3,447 |
| Net interest income | $2,936,000 | 4,700 |
| Provision for loan and lease losses | $89,000 | 4,391 |
| Total noninterest income | $300,000 | 5,535 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $41,000 | 6,701 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $259,000 | 4,024 |
| Total noninterest expense | $2,652,000 | 4,469 |
| Salaries and employee benefits | $1,568,000 | 4,243 |
| Premises and equipment expense | $333,000 | 4,700 |
| Additional noninterest expense | $751,000 | 4,588 |
| Pre-tax net operating income | $495,000 | 5,799 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $187,000 | 3,790 |
| Income before extraordinary items | $309,000 | 6,272 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $309,000 | 6,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,179 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $308,360 | 6,270 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,463,000 | 4,096 |
| Total interest expense | $2,510,000 | 3,443 |
| Net interest income | $1,953,000 | 4,737 |
| Provision for loan and lease losses | $73,000 | 3,790 |
| Total noninterest income | $190,000 | 5,677 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $26,000 | 6,785 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $164,000 | 4,159 |
| Total noninterest expense | $1,800,000 | 4,447 |
| Salaries and employee benefits | $1,085,000 | 4,152 |
| Premises and equipment expense | $227,000 | 4,648 |
| Additional noninterest expense | $488,000 | 4,656 |
| Pre-tax net operating income | $270,000 | 6,227 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $102,000 | 4,108 |
| Income before extraordinary items | $168,000 | 6,606 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $168,000 | 6,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,191 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $168,000 | 6,596 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,229,000 | 4,096 |
| Total interest expense | $1,240,000 | 3,450 |
| Net interest income | $989,000 | 4,717 |
| Provision for loan and lease losses | $73,000 | 2,552 |
| Total noninterest income | $93,000 | 5,686 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $13,000 | 6,796 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $80,000 | 4,208 |
| Total noninterest expense | $911,000 | 4,409 |
| Salaries and employee benefits | $551,000 | 4,132 |
| Premises and equipment expense | $115,000 | 4,635 |
| Additional noninterest expense | $245,000 | 4,603 |
| Pre-tax net operating income | $98,000 | 6,693 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $41,000 | 4,335 |
| Income before extraordinary items | $57,000 | 7,060 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $57,000 | 7,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,074 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $57,000 | 7,045 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,359,000 | 4,085 |
| Total interest expense | $4,034,000 | 3,576 |
| Net interest income | $4,325,000 | 4,446 |
| Provision for loan and lease losses | $350,000 | 2,520 |
| Total noninterest income | $475,000 | 5,247 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $51,000 | 6,878 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $424,000 | 3,634 |
| Total noninterest expense | $3,444,000 | 4,451 |
| Salaries and employee benefits | $2,060,000 | 4,175 |
| Premises and equipment expense | $450,000 | 4,566 |
| Additional noninterest expense | $934,000 | 4,735 |
| Pre-tax net operating income | $1,006,000 | 5,190 |
| Securities gains (losses) | $4,000 | 1,309 |
| Applicable income taxes | $382,000 | 3,487 |
| Income before extraordinary items | $628,000 | 5,721 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $628,000 | 5,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $399,000 | 1,391 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,087 |
| Net operating income | $625,440 | 5,719 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,166,000 | 4,106 |
| Total interest expense | $2,843,000 | 3,632 |
| Net interest income | $3,323,000 | 4,419 |
| Provision for loan and lease losses | $210,000 | 2,785 |
| Total noninterest income | $347,000 | 5,314 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $37,000 | 6,990 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $310,000 | 3,680 |
| Total noninterest expense | $2,657,000 | 4,337 |
| Salaries and employee benefits | $1,600,000 | 4,055 |
| Premises and equipment expense | $328,000 | 4,650 |
| Additional noninterest expense | $729,000 | 4,578 |
| Pre-tax net operating income | $803,000 | 5,222 |
| Securities gains (losses) | $-4,000 | 7,334 |
| Applicable income taxes | $304,000 | 3,567 |
| Income before extraordinary items | $495,000 | 5,784 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $495,000 | 5,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $497,560 | 5,774 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,050,000 | 4,087 |
| Total interest expense | $1,787,000 | 3,673 |
| Net interest income | $2,263,000 | 4,354 |
| Provision for loan and lease losses | $160,000 | 2,479 |
| Total noninterest income | $223,000 | 5,392 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $27,000 | 6,945 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $196,000 | 3,782 |
| Total noninterest expense | $1,745,000 | 4,410 |
| Salaries and employee benefits | $1,052,000 | 4,116 |
| Premises and equipment expense | $229,000 | 4,518 |
| Additional noninterest expense | $464,000 | 4,716 |
| Pre-tax net operating income | $581,000 | 5,078 |
| Securities gains (losses) | $-4,000 | 7,633 |
| Applicable income taxes | $222,000 | 3,475 |
| Income before extraordinary items | $355,000 | 5,657 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $355,000 | 5,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $357,560 | 5,640 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,945,000 | 4,160 |
| Total interest expense | $832,000 | 3,720 |
| Net interest income | $1,113,000 | 4,392 |
| Provision for loan and lease losses | $40,000 | 3,523 |
| Total noninterest income | $96,000 | 5,679 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $14,000 | 6,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $82,000 | 4,095 |
| Total noninterest expense | $882,000 | 4,385 |
| Salaries and employee benefits | $536,000 | 4,082 |
| Premises and equipment expense | $112,000 | 4,612 |
| Additional noninterest expense | $234,000 | 4,666 |
| Pre-tax net operating income | $287,000 | 5,077 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $107,000 | 3,507 |
| Income before extraordinary items | $178,000 | 5,585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $178,000 | 5,585 |
| 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 | $179,280 | 5,566 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,726,000 | 4,734 |
| Total interest expense | $2,117,000 | 4,268 |
| Net interest income | $3,609,000 | 4,927 |
| Provision for loan and lease losses | $379,000 | 2,371 |
| Total noninterest income | $152,000 | 7,474 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $37,000 | 7,277 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $115,000 | 6,187 |
| Total noninterest expense | $2,794,000 | 5,021 |
| Salaries and employee benefits | $1,713,000 | 4,631 |
| Premises and equipment expense | $340,000 | 5,373 |
| Additional noninterest expense | $741,000 | 5,428 |
| Pre-tax net operating income | $588,000 | 6,461 |
| Securities gains (losses) | $-13,000 | 7,637 |
| Applicable income taxes | $220,000 | 4,542 |
| Income before extraordinary items | $355,000 | 6,952 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $355,000 | 6,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,206 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $363,320 | 6,906 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,996,000 | 4,916 |
| Total interest expense | $1,443,000 | 4,403 |
| Net interest income | $2,553,000 | 5,112 |
| Provision for loan and lease losses | $283,000 | 2,289 |
| Total noninterest income | $73,000 | 8,004 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $20,000 | 7,448 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $53,000 | 6,977 |
| Total noninterest expense | $1,961,000 | 5,207 |
| Salaries and employee benefits | $1,179,000 | 4,880 |
| Premises and equipment expense | $239,000 | 5,570 |
| Additional noninterest expense | $543,000 | 5,461 |
| Pre-tax net operating income | $382,000 | 6,869 |
| Securities gains (losses) | $-10,000 | 7,915 |
| Applicable income taxes | $140,000 | 4,882 |
| Income before extraordinary items | $232,000 | 7,286 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $232,000 | 7,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $238,400 | 7,215 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,422,000 | 5,163 |
| Total interest expense | $844,000 | 4,632 |
| Net interest income | $1,578,000 | 5,335 |
| Provision for loan and lease losses | $194,000 | 2,211 |
| Total noninterest income | $41,000 | 8,164 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $14,000 | 7,451 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $27,000 | 7,318 |
| Total noninterest expense | $1,209,000 | 5,449 |
| Salaries and employee benefits | $710,000 | 5,202 |
| Premises and equipment expense | $144,000 | 5,822 |
| Additional noninterest expense | $355,000 | 5,472 |
| Pre-tax net operating income | $216,000 | 7,114 |
| Securities gains (losses) | $-7,000 | 8,039 |
| Applicable income taxes | $78,000 | 5,103 |
| Income before extraordinary items | $131,000 | 7,500 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $131,000 | 7,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,392 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $135,480 | 7,428 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,124,000 | 5,369 |
| Total interest expense | $398,000 | 4,703 |
| Net interest income | $726,000 | 5,622 |
| Provision for loan and lease losses | $85,000 | 2,331 |
| Total noninterest income | $20,000 | 8,219 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $2,000 | 7,752 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 7,012 |
| Total noninterest expense | $573,000 | 5,652 |
| Salaries and employee benefits | $338,000 | 5,408 |
| Premises and equipment expense | $63,000 | 6,224 |
| Additional noninterest expense | $172,000 | 5,558 |
| Pre-tax net operating income | $88,000 | 7,398 |
| Securities gains (losses) | $-3,000 | 8,297 |
| Applicable income taxes | $33,000 | 5,220 |
| Income before extraordinary items | $52,000 | 7,732 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $52,000 | 7,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,295 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $53,920 | 7,681 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,025,000 | 6,392 |
| Total interest expense | $951,000 | 5,801 |
| Net interest income | $2,074,000 | 6,521 |
| Provision for loan and lease losses | $372,000 | 2,506 |
| Total noninterest income | $47,000 | 8,607 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $6,000 | 7,821 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,000 | 7,647 |
| Total noninterest expense | $1,605,000 | 6,702 |
| Salaries and employee benefits | $992,000 | 6,298 |
| Premises and equipment expense | $138,000 | 7,464 |
| Additional noninterest expense | $475,000 | 6,698 |
| Pre-tax net operating income | $144,000 | 7,966 |
| Securities gains (losses) | $-17,000 | 8,347 |
| Applicable income taxes | $55,000 | 5,989 |
| Income before extraordinary items | $72,000 | 8,202 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $72,000 | 8,202 |
| 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 | $8,679,000 | 134 |
| Net operating income | $82,880 | 8,129 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,025,000 | 6,717 |
| Total interest expense | $650,000 | 6,035 |
| Net interest income | $1,375,000 | 6,872 |
| Provision for loan and lease losses | $302,000 | 2,252 |
| Total noninterest income | $30,000 | 8,702 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,000 | 7,885 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 7,817 |
| Total noninterest expense | $1,054,000 | 7,027 |
| Salaries and employee benefits | $656,000 | 6,662 |
| Premises and equipment expense | $82,000 | 7,847 |
| Additional noninterest expense | $316,000 | 6,976 |
| Pre-tax net operating income | $49,000 | 8,304 |
| Securities gains (losses) | $-14,000 | 8,572 |
| Applicable income taxes | $9,000 | 6,807 |
| Income before extraordinary items | $26,000 | 8,413 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $26,000 | 8,415 |
| 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 | $8,679,000 | 101 |
| Net operating income | $36,360 | 8,326 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,178,000 | 7,082 |
| Total interest expense | $401,000 | 6,282 |
| Net interest income | $777,000 | 7,284 |
| Provision for loan and lease losses | $102,000 | 3,423 |
| Total noninterest income | $18,000 | 8,782 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,000 | 7,934 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $16,000 | 7,964 |
| Total noninterest expense | $659,000 | 7,255 |
| Salaries and employee benefits | $418,000 | 6,829 |
| Premises and equipment expense | $48,000 | 8,038 |
| Additional noninterest expense | $193,000 | 7,212 |
| Pre-tax net operating income | $34,000 | 8,328 |
| Securities gains (losses) | $-10,000 | 8,693 |
| Applicable income taxes | $9,000 | 6,693 |
| Income before extraordinary items | $15,000 | 8,487 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $15,000 | 8,489 |
| 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 | $21,400 | 8,389 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $553,000 | 7,271 |
| Total interest expense | $189,000 | 6,483 |
| Net interest income | $364,000 | 7,469 |
| Provision for loan and lease losses | $56,000 | 3,163 |
| Total noninterest income | $9,000 | 8,820 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,000 | 7,932 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $8,000 | 7,967 |
| Total noninterest expense | $297,000 | 7,524 |
| Salaries and employee benefits | $194,000 | 7,072 |
| Premises and equipment expense | $22,000 | 8,152 |
| Additional noninterest expense | $81,000 | 7,616 |
| Pre-tax net operating income | $20,000 | 8,314 |
| Securities gains (losses) | $-3,000 | 8,790 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $11,000 | 8,454 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $11,000 | 8,454 |
| 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 | $12,950 | 8,371 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,411,000 | 8,161 |
| Total interest expense | $460,000 | 7,900 |
| Net interest income | $951,000 | 8,179 |
| Provision for loan and lease losses | $203,000 | 4,002 |
| Total noninterest income | $28,000 | 8,961 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,000 | 8,011 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $25,000 | 8,275 |
| Total noninterest expense | $1,080,000 | 7,710 |
| Salaries and employee benefits | $672,000 | 7,410 |
| Premises and equipment expense | $93,000 | 8,154 |
| Additional noninterest expense | $315,000 | 7,663 |
| Pre-tax net operating income | $-304,000 | 8,746 |
| Securities gains (losses) | $-25,000 | 8,894 |
| Applicable income taxes | $-125,000 | 8,970 |
| Income before extraordinary items | $-204,000 | 8,780 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-204,000 | 8,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-188,000 | 8,704 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $928,000 | 8,443 |
| Total interest expense | $301,000 | 8,235 |
| Net interest income | $627,000 | 8,434 |
| Provision for loan and lease losses | $142,000 | 4,004 |
| Total noninterest income | $19,000 | 9,045 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,000 | 8,072 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $17,000 | 8,372 |
| Total noninterest expense | $808,000 | 7,715 |
| Salaries and employee benefits | $516,000 | 7,320 |
| Premises and equipment expense | $67,000 | 8,235 |
| Additional noninterest expense | $225,000 | 7,775 |
| Pre-tax net operating income | $-304,000 | 8,874 |
| Securities gains (losses) | $-21,000 | 9,015 |
| Applicable income taxes | $-119,000 | 9,078 |
| Income before extraordinary items | $-206,000 | 8,901 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-206,000 | 8,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-192,560 | 8,827 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $524,000 | 8,676 |
| Total interest expense | $184,000 | 8,439 |
| Net interest income | $340,000 | 8,693 |
| Provision for loan and lease losses | $89,000 | 4,177 |
| Total noninterest income | $17,000 | 9,018 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $2,000 | 8,080 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $15,000 | 8,141 |
| Total noninterest expense | $529,000 | 7,771 |
| Salaries and employee benefits | $335,000 | 7,403 |
| Premises and equipment expense | $44,000 | 8,257 |
| Additional noninterest expense | $150,000 | 7,776 |
| Pre-tax net operating income | $-261,000 | 8,961 |
| Securities gains (losses) | $-16,000 | 9,089 |
| Applicable income taxes | $-104,000 | 9,142 |
| Income before extraordinary items | $-173,000 | 8,991 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-173,000 | 8,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-162,760 | 8,901 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $225,000 | 8,859 |
| Total interest expense | $71,000 | 8,769 |
| Net interest income | $154,000 | 8,822 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $6,000 | 9,110 |
| 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 | $5,000 | 8,460 |
| Total noninterest expense | $265,000 | 7,792 |
| Salaries and employee benefits | $161,000 | 7,534 |
| Premises and equipment expense | $25,000 | 8,112 |
| Additional noninterest expense | $79,000 | 7,694 |
| Pre-tax net operating income | $-145,000 | 9,027 |
| Securities gains (losses) | $-7,000 | 9,134 |
| Applicable income taxes | $-34,000 | 9,147 |
| Income before extraordinary items | $-118,000 | 9,056 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-118,000 | 9,053 |
| 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 | $-112,540 | 8,982 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $295,000 | 9,242 |
| Total interest expense | $64,000 | 9,229 |
| Net interest income | $231,000 | 9,220 |
| Provision for loan and lease losses | $100,000 | 5,681 |
| Total noninterest income | $10,000 | 9,225 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,000 | 8,170 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,967 |
| Total noninterest expense | $685,000 | 8,571 |
| Salaries and employee benefits | $433,000 | 8,387 |
| Premises and equipment expense | $35,000 | 9,116 |
| Additional noninterest expense | $217,000 | 8,432 |
| Pre-tax net operating income | $-544,000 | 8,999 |
| Securities gains (losses) | $-1,000 | 8,656 |
| Applicable income taxes | $-204,000 | 9,139 |
| Income before extraordinary items | $-341,000 | 8,983 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-341,000 | 8,982 |
| 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 | $5,931,000 | 129 |
| Net operating income | $-340,360 | 8,937 |
* 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.