Home > Chestatee State Bank > Income and Expense
Chestatee State Bank, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,661,000 | 2,970 |
| Total interest expense | $4,011,000 | 1,617 |
| Net interest income | $3,650,000 | 4,087 |
| Provision for loan and lease losses | $6,307,000 | 729 |
| Total noninterest income | $-1,544,000 | 7,715 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $422,000 | 2,483 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-1,966,000 | 7,709 |
| Total noninterest expense | $7,248,000 | 2,001 |
| Salaries and employee benefits | $2,683,000 | 2,681 |
| Premises and equipment expense | $352,000 | 4,414 |
| Additional noninterest expense | $4,213,000 | 1,281 |
| Pre-tax net operating income | $-11,449,000 | 7,583 |
| Securities gains (losses) | $345,000 | 975 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-11,104,000 | 7,597 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-11,104,000 | 7,597 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-11,104,000 | 7,597 |
| Net charge-offs | $9,035,000 | 494 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-11,449,000 | 7,600 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,212,000 | 2,944 |
| Total interest expense | $2,762,000 | 1,634 |
| Net interest income | $2,450,000 | 4,069 |
| Provision for loan and lease losses | $1,972,000 | 1,291 |
| Total noninterest income | $397,000 | 3,653 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $286,000 | 2,454 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $111,000 | 4,471 |
| Total noninterest expense | $5,023,000 | 1,956 |
| Salaries and employee benefits | $1,795,000 | 2,691 |
| Premises and equipment expense | $226,000 | 4,550 |
| Additional noninterest expense | $3,002,000 | 1,185 |
| Pre-tax net operating income | $-4,148,000 | 7,502 |
| Securities gains (losses) | $20,000 | 2,363 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-4,128,000 | 7,533 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,128,000 | 7,532 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-4,128,000 | 7,533 |
| Net charge-offs | $3,080,000 | 816 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,148,000 | 7,530 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,644,000 | 2,955 |
| Total interest expense | $1,431,000 | 1,648 |
| Net interest income | $1,213,000 | 4,130 |
| Provision for loan and lease losses | $524,000 | 1,777 |
| Total noninterest income | $177,000 | 3,929 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $132,000 | 2,600 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $45,000 | 4,859 |
| Total noninterest expense | $2,568,000 | 1,931 |
| Salaries and employee benefits | $904,000 | 2,713 |
| Premises and equipment expense | $117,000 | 4,526 |
| Additional noninterest expense | $1,547,000 | 1,134 |
| Pre-tax net operating income | $-1,702,000 | 7,555 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,702,000 | 7,604 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,702,000 | 7,606 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,702,000 | 7,606 |
| Net charge-offs | $2,378,000 | 576 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,702,000 | 7,599 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,071,000 | 2,951 |
| Total interest expense | $8,086,000 | 1,476 |
| Net interest income | $2,985,000 | 5,397 |
| Provision for loan and lease losses | $1,960,000 | 2,505 |
| Total noninterest income | $-1,207,000 | 7,942 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $581,000 | 2,599 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,788,000 | 7,940 |
| Total noninterest expense | $8,614,000 | 2,297 |
| Salaries and employee benefits | $3,716,000 | 2,626 |
| Premises and equipment expense | $602,000 | 3,862 |
| Additional noninterest expense | $4,296,000 | 1,738 |
| Pre-tax net operating income | $-8,796,000 | 7,437 |
| Securities gains (losses) | $375,000 | 1,059 |
| Applicable income taxes | $-1,853,000 | 7,497 |
| Income before extraordinary items | $-6,568,000 | 7,403 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,568,000 | 7,401 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,568,000 | 7,401 |
| Net charge-offs | $7,325,000 | 859 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-6,860,500 | 7,430 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,480,000 | 2,948 |
| Total interest expense | $6,383,000 | 1,478 |
| Net interest income | $2,097,000 | 5,588 |
| Provision for loan and lease losses | $919,000 | 2,907 |
| Total noninterest income | $474,000 | 4,325 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $439,000 | 2,588 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $35,000 | 6,592 |
| Total noninterest expense | $5,948,000 | 2,483 |
| Salaries and employee benefits | $2,830,000 | 2,597 |
| Premises and equipment expense | $468,000 | 3,809 |
| Additional noninterest expense | $2,650,000 | 1,993 |
| Pre-tax net operating income | $-4,296,000 | 7,443 |
| Securities gains (losses) | $355,000 | 882 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-3,941,000 | 7,483 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,941,000 | 7,483 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,941,000 | 7,483 |
| Net charge-offs | $3,172,000 | 1,145 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,296,000 | 7,524 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,707,000 | 2,951 |
| Total interest expense | $4,245,000 | 1,549 |
| Net interest income | $1,462,000 | 5,466 |
| Provision for loan and lease losses | $100,000 | 5,300 |
| Total noninterest income | $307,000 | 4,376 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $296,000 | 2,554 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $11,000 | 7,209 |
| Total noninterest expense | $3,796,000 | 2,634 |
| Salaries and employee benefits | $1,918,000 | 2,595 |
| Premises and equipment expense | $332,000 | 3,650 |
| Additional noninterest expense | $1,546,000 | 2,267 |
| Pre-tax net operating income | $-2,127,000 | 7,419 |
| Securities gains (losses) | $116,000 | 1,380 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-2,011,000 | 7,487 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,011,000 | 7,487 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,011,000 | 7,486 |
| Net charge-offs | $1,606,000 | 1,287 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,127,000 | 7,511 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,900,000 | 2,946 |
| Total interest expense | $2,114,000 | 1,606 |
| Net interest income | $786,000 | 5,266 |
| Provision for loan and lease losses | $100,000 | 3,845 |
| Total noninterest income | $154,000 | 4,329 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $147,000 | 2,511 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $7,000 | 7,131 |
| Total noninterest expense | $1,939,000 | 2,495 |
| Salaries and employee benefits | $991,000 | 2,570 |
| Premises and equipment expense | $171,000 | 3,628 |
| Additional noninterest expense | $777,000 | 2,038 |
| Pre-tax net operating income | $-1,099,000 | 7,659 |
| Securities gains (losses) | $116,000 | 925 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-983,000 | 7,698 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-983,000 | 7,700 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-983,000 | 7,699 |
| Net charge-offs | $918,000 | 1,002 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,099,000 | 7,729 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,455,000 | 2,557 |
| Total interest expense | $9,567,000 | 1,696 |
| Net interest income | $4,888,000 | 4,013 |
| Provision for loan and lease losses | $6,579,000 | 824 |
| Total noninterest income | $844,000 | 3,758 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $703,000 | 2,342 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $141,000 | 5,417 |
| Total noninterest expense | $7,544,000 | 2,507 |
| Salaries and employee benefits | $4,134,000 | 2,437 |
| Premises and equipment expense | $734,000 | 3,393 |
| Additional noninterest expense | $2,676,000 | 2,222 |
| Pre-tax net operating income | $-8,391,000 | 7,949 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $-372,000 | 7,388 |
| Income before extraordinary items | $-8,018,000 | 7,946 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-8,018,000 | 7,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,296,000 | 778 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-8,018,960 | 7,982 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,777,000 | 2,420 |
| Total interest expense | $7,334,000 | 1,727 |
| Net interest income | $4,443,000 | 3,541 |
| Provision for loan and lease losses | $2,644,000 | 983 |
| Total noninterest income | $595,000 | 3,978 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $529,000 | 2,348 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $66,000 | 6,225 |
| Total noninterest expense | $5,545,000 | 2,552 |
| Salaries and employee benefits | $3,116,000 | 2,447 |
| Premises and equipment expense | $568,000 | 3,327 |
| Additional noninterest expense | $1,861,000 | 2,288 |
| Pre-tax net operating income | $-3,151,000 | 8,037 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $-1,124,000 | 8,079 |
| Income before extraordinary items | $-2,026,000 | 7,873 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,026,000 | 7,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,715,000 | 928 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,026,640 | 7,949 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,199,000 | 2,370 |
| Total interest expense | $5,073,000 | 1,738 |
| Net interest income | $3,126,000 | 3,383 |
| Provision for loan and lease losses | $180,000 | 3,306 |
| Total noninterest income | $382,000 | 4,107 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $348,000 | 2,364 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $34,000 | 6,622 |
| Total noninterest expense | $3,682,000 | 2,563 |
| Salaries and employee benefits | $2,067,000 | 2,493 |
| Premises and equipment expense | $383,000 | 3,321 |
| Additional noninterest expense | $1,232,000 | 2,285 |
| Pre-tax net operating income | $-354,000 | 7,486 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-124,000 | 7,895 |
| Income before extraordinary items | $-230,000 | 7,445 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-230,000 | 7,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $844,000 | 957 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-230,000 | 7,426 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,418,000 | 2,278 |
| Total interest expense | $2,746,000 | 1,706 |
| Net interest income | $1,672,000 | 3,193 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $237,000 | 3,632 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $178,000 | 2,282 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $59,000 | 4,725 |
| Total noninterest expense | $1,817,000 | 2,591 |
| Salaries and employee benefits | $1,021,000 | 2,540 |
| Premises and equipment expense | $200,000 | 3,228 |
| Additional noninterest expense | $596,000 | 2,322 |
| Pre-tax net operating income | $92,000 | 6,092 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $32,000 | 3,996 |
| Income before extraordinary items | $60,000 | 6,422 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $60,000 | 6,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 1,166 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $60,000 | 6,325 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $24,510,000 | 1,748 |
| Total interest expense | $12,059,000 | 1,656 |
| Net interest income | $12,451,000 | 1,822 |
| Provision for loan and lease losses | $5,634,000 | 373 |
| Total noninterest income | $967,000 | 3,603 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $751,000 | 2,236 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $216,000 | 4,906 |
| Total noninterest expense | $7,476,000 | 2,439 |
| Salaries and employee benefits | $4,233,000 | 2,377 |
| Premises and equipment expense | $812,000 | 3,044 |
| Additional noninterest expense | $2,431,000 | 2,226 |
| Pre-tax net operating income | $308,000 | 6,571 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-18,000 | 7,838 |
| Income before extraordinary items | $326,000 | 6,324 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $326,000 | 6,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 2,289 |
| Cash dividends | $775,000 | 3,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $326,000 | 6,306 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,898,000 | 1,712 |
| Total interest expense | $9,018,000 | 1,659 |
| Net interest income | $9,880,000 | 1,719 |
| Provision for loan and lease losses | $884,000 | 1,003 |
| Total noninterest income | $672,000 | 3,768 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $562,000 | 2,228 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $110,000 | 5,629 |
| Total noninterest expense | $5,939,000 | 2,287 |
| Salaries and employee benefits | $3,578,000 | 2,115 |
| Premises and equipment expense | $620,000 | 2,993 |
| Additional noninterest expense | $1,741,000 | 2,280 |
| Pre-tax net operating income | $3,729,000 | 1,770 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,333,000 | 1,337 |
| Income before extraordinary items | $2,396,000 | 2,070 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,396,000 | 2,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,933 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,396,000 | 2,051 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,515,000 | 1,731 |
| Total interest expense | $5,846,000 | 1,718 |
| Net interest income | $6,669,000 | 1,722 |
| Provision for loan and lease losses | $517,000 | 1,004 |
| Total noninterest income | $446,000 | 3,796 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $377,000 | 2,216 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $69,000 | 5,763 |
| Total noninterest expense | $3,990,000 | 2,287 |
| Salaries and employee benefits | $2,449,000 | 2,087 |
| Premises and equipment expense | $443,000 | 2,854 |
| Additional noninterest expense | $1,098,000 | 2,409 |
| Pre-tax net operating income | $2,608,000 | 1,761 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $932,000 | 1,337 |
| Income before extraordinary items | $1,676,000 | 2,034 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,676,000 | 2,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,676,000 | 2,018 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,121,000 | 1,764 |
| Total interest expense | $2,835,000 | 1,755 |
| Net interest income | $3,286,000 | 1,751 |
| Provision for loan and lease losses | $209,000 | 1,122 |
| Total noninterest income | $216,000 | 3,845 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $186,000 | 2,187 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $30,000 | 5,964 |
| Total noninterest expense | $2,004,000 | 2,285 |
| Salaries and employee benefits | $1,222,000 | 2,101 |
| Premises and equipment expense | $241,000 | 2,674 |
| Additional noninterest expense | $541,000 | 2,436 |
| Pre-tax net operating income | $1,289,000 | 1,773 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $461,000 | 1,363 |
| Income before extraordinary items | $828,000 | 2,007 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $828,000 | 2,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,481 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $828,000 | 1,995 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $21,135,000 | 1,898 |
| Total interest expense | $8,509,000 | 1,938 |
| Net interest income | $12,626,000 | 1,821 |
| Provision for loan and lease losses | $1,140,000 | 926 |
| Total noninterest income | $960,000 | 3,646 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $803,000 | 2,105 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $157,000 | 5,538 |
| Total noninterest expense | $7,708,000 | 2,294 |
| Salaries and employee benefits | $4,466,000 | 2,191 |
| Premises and equipment expense | $923,000 | 2,660 |
| Additional noninterest expense | $2,319,000 | 2,246 |
| Pre-tax net operating income | $4,738,000 | 1,985 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,661,000 | 1,522 |
| Income before extraordinary items | $3,077,000 | 2,232 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,077,000 | 2,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,517,000 | 485 |
| Cash dividends | $750,000 | 3,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,077,000 | 2,220 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $15,361,000 | 1,937 |
| Total interest expense | $5,985,000 | 1,993 |
| Net interest income | $9,376,000 | 1,857 |
| Provision for loan and lease losses | $817,000 | 929 |
| Total noninterest income | $702,000 | 3,712 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $595,000 | 2,136 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $107,000 | 5,724 |
| Total noninterest expense | $5,802,000 | 2,282 |
| Salaries and employee benefits | $3,328,000 | 2,211 |
| Premises and equipment expense | $722,000 | 2,565 |
| Additional noninterest expense | $1,752,000 | 2,224 |
| Pre-tax net operating income | $3,459,000 | 2,085 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,236,000 | 1,616 |
| Income before extraordinary items | $2,223,000 | 2,380 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,223,000 | 2,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,119,000 | 421 |
| Cash dividends | $250,000 | 3,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,223,000 | 2,371 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,870,000 | 1,959 |
| Total interest expense | $3,676,000 | 2,044 |
| Net interest income | $6,194,000 | 1,882 |
| Provision for loan and lease losses | $591,000 | 857 |
| Total noninterest income | $469,000 | 3,673 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $401,000 | 2,098 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 5,845 |
| Total noninterest expense | $3,898,000 | 2,266 |
| Salaries and employee benefits | $2,290,000 | 2,150 |
| Premises and equipment expense | $501,000 | 2,461 |
| Additional noninterest expense | $1,107,000 | 2,336 |
| Pre-tax net operating income | $2,174,000 | 2,178 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $776,000 | 1,702 |
| Income before extraordinary items | $1,398,000 | 2,478 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,398,000 | 2,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,134 |
| Cash dividends | $250,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,398,000 | 2,461 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,711,000 | 2,013 |
| Total interest expense | $1,736,000 | 2,057 |
| Net interest income | $2,975,000 | 1,953 |
| Provision for loan and lease losses | $86,000 | 2,261 |
| Total noninterest income | $239,000 | 3,578 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $203,000 | 2,015 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,743 |
| Total noninterest expense | $1,962,000 | 2,265 |
| Salaries and employee benefits | $1,156,000 | 2,137 |
| Premises and equipment expense | $251,000 | 2,459 |
| Additional noninterest expense | $555,000 | 2,309 |
| Pre-tax net operating income | $1,166,000 | 2,030 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $416,000 | 1,607 |
| Income before extraordinary items | $750,000 | 2,329 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $750,000 | 2,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $750,000 | 2,302 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,354,000 | 2,041 |
| Total interest expense | $5,810,000 | 1,940 |
| Net interest income | $10,544,000 | 2,105 |
| Provision for loan and lease losses | $674,000 | 1,485 |
| Total noninterest income | $1,087,000 | 3,357 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $903,000 | 1,901 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $184,000 | 5,330 |
| Total noninterest expense | $7,215,000 | 2,319 |
| Salaries and employee benefits | $3,963,000 | 2,310 |
| Premises and equipment expense | $975,000 | 2,422 |
| Additional noninterest expense | $2,277,000 | 2,202 |
| Pre-tax net operating income | $3,742,000 | 2,328 |
| Securities gains (losses) | $-52,000 | 8,203 |
| Applicable income taxes | $1,250,000 | 1,938 |
| Income before extraordinary items | $2,440,000 | 2,647 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,440,000 | 2,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,421 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,474,320 | 2,598 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,881,000 | 2,056 |
| Total interest expense | $4,208,000 | 1,900 |
| Net interest income | $7,673,000 | 2,143 |
| Provision for loan and lease losses | $178,000 | 3,228 |
| Total noninterest income | $873,000 | 3,209 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $692,000 | 1,855 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $181,000 | 4,822 |
| Total noninterest expense | $5,439,000 | 2,286 |
| Salaries and employee benefits | $2,981,000 | 2,281 |
| Premises and equipment expense | $762,000 | 2,320 |
| Additional noninterest expense | $1,696,000 | 2,184 |
| Pre-tax net operating income | $2,929,000 | 2,285 |
| Securities gains (losses) | $-52,000 | 8,493 |
| Applicable income taxes | $1,018,000 | 1,852 |
| Income before extraordinary items | $1,859,000 | 2,628 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,859,000 | 2,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 1,909 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,892,800 | 2,560 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,629,000 | 2,062 |
| Total interest expense | $2,703,000 | 1,854 |
| Net interest income | $4,926,000 | 2,195 |
| Provision for loan and lease losses | $97,000 | 3,417 |
| Total noninterest income | $583,000 | 3,170 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $475,000 | 1,756 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $108,000 | 5,022 |
| Total noninterest expense | $3,580,000 | 2,304 |
| Salaries and employee benefits | $2,000,000 | 2,260 |
| Premises and equipment expense | $467,000 | 2,480 |
| Additional noninterest expense | $1,113,000 | 2,201 |
| Pre-tax net operating income | $1,832,000 | 2,340 |
| Securities gains (losses) | $-52,000 | 8,601 |
| Applicable income taxes | $626,000 | 1,935 |
| Income before extraordinary items | $1,154,000 | 2,744 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,154,000 | 2,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,327 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,187,800 | 2,631 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,682,000 | 2,102 |
| Total interest expense | $1,278,000 | 1,853 |
| Net interest income | $2,404,000 | 2,244 |
| Provision for loan and lease losses | $48,000 | 3,267 |
| Total noninterest income | $304,000 | 3,026 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $232,000 | 1,753 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $72,000 | 4,397 |
| Total noninterest expense | $1,809,000 | 2,292 |
| Salaries and employee benefits | $1,013,000 | 2,247 |
| Premises and equipment expense | $231,000 | 2,529 |
| Additional noninterest expense | $565,000 | 2,163 |
| Pre-tax net operating income | $851,000 | 2,446 |
| Securities gains (losses) | $-30,000 | 8,724 |
| Applicable income taxes | $287,000 | 2,044 |
| Income before extraordinary items | $534,000 | 2,896 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $534,000 | 2,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 1,622 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $553,500 | 2,745 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,826,000 | 2,238 |
| Total interest expense | $3,970,000 | 2,049 |
| Net interest income | $8,856,000 | 2,305 |
| Provision for loan and lease losses | $610,000 | 1,619 |
| Total noninterest income | $1,044,000 | 3,440 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $762,000 | 2,231 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $282,000 | 4,385 |
| Total noninterest expense | $6,799,000 | 2,356 |
| Salaries and employee benefits | $3,597,000 | 2,422 |
| Premises and equipment expense | $1,023,000 | 2,241 |
| Additional noninterest expense | $2,179,000 | 2,236 |
| Pre-tax net operating income | $2,491,000 | 3,023 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $852,000 | 2,419 |
| Income before extraordinary items | $1,642,000 | 3,413 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,642,000 | 3,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,012 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,640,020 | 3,351 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,332,000 | 2,277 |
| Total interest expense | $2,861,000 | 2,094 |
| Net interest income | $6,471,000 | 2,333 |
| Provision for loan and lease losses | $334,000 | 2,076 |
| Total noninterest income | $785,000 | 3,452 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $582,000 | 2,214 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $203,000 | 4,472 |
| Total noninterest expense | $5,073,000 | 2,349 |
| Salaries and employee benefits | $2,672,000 | 2,422 |
| Premises and equipment expense | $757,000 | 2,274 |
| Additional noninterest expense | $1,644,000 | 2,196 |
| Pre-tax net operating income | $1,849,000 | 3,079 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $661,000 | 2,412 |
| Income before extraordinary items | $1,191,000 | 3,556 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,191,000 | 3,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 1,444 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,189,080 | 3,491 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,153,000 | 2,283 |
| Total interest expense | $1,881,000 | 2,103 |
| Net interest income | $4,272,000 | 2,339 |
| Provision for loan and lease losses | $317,000 | 1,468 |
| Total noninterest income | $549,000 | 3,363 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $404,000 | 2,134 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $145,000 | 4,372 |
| Total noninterest expense | $3,397,000 | 2,332 |
| Salaries and employee benefits | $1,789,000 | 2,405 |
| Premises and equipment expense | $502,000 | 2,279 |
| Additional noninterest expense | $1,106,000 | 2,186 |
| Pre-tax net operating income | $1,107,000 | 3,302 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $403,000 | 2,544 |
| Income before extraordinary items | $712,000 | 3,811 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $712,000 | 3,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 1,817 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $706,880 | 3,738 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,091,000 | 2,277 |
| Total interest expense | $937,000 | 2,133 |
| Net interest income | $2,154,000 | 2,315 |
| Provision for loan and lease losses | $252,000 | 946 |
| Total noninterest income | $289,000 | 3,196 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $204,000 | 2,041 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $85,000 | 4,044 |
| Total noninterest expense | $1,688,000 | 2,351 |
| Salaries and employee benefits | $903,000 | 2,400 |
| Premises and equipment expense | $252,000 | 2,288 |
| Additional noninterest expense | $533,000 | 2,231 |
| Pre-tax net operating income | $503,000 | 3,509 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $181,000 | 2,741 |
| Income before extraordinary items | $322,000 | 4,084 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $322,000 | 4,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,115 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $322,000 | 3,941 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,830,000 | 2,413 |
| Total interest expense | $4,172,000 | 2,132 |
| Net interest income | $7,658,000 | 2,517 |
| Provision for loan and lease losses | $3,677,000 | 408 |
| Total noninterest income | $1,147,000 | 3,400 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $852,000 | 2,012 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $295,000 | 4,548 |
| Total noninterest expense | $6,379,000 | 2,464 |
| Salaries and employee benefits | $3,197,000 | 2,628 |
| Premises and equipment expense | $1,047,000 | 2,174 |
| Additional noninterest expense | $2,135,000 | 2,265 |
| Pre-tax net operating income | $-1,251,000 | 9,014 |
| Securities gains (losses) | $54,000 | 2,448 |
| Applicable income taxes | $-480,000 | 9,085 |
| Income before extraordinary items | $-717,000 | 8,972 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-717,000 | 8,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,640,000 | 447 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,380,000 | 313 |
| Net operating income | $-751,560 | 8,926 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,754,000 | 2,478 |
| Total interest expense | $3,066,000 | 2,246 |
| Net interest income | $5,688,000 | 2,561 |
| Provision for loan and lease losses | $2,519,000 | 447 |
| Total noninterest income | $862,000 | 3,466 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $626,000 | 2,063 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $236,000 | 4,489 |
| Total noninterest expense | $4,575,000 | 2,574 |
| Salaries and employee benefits | $2,389,000 | 2,638 |
| Premises and equipment expense | $756,000 | 2,252 |
| Additional noninterest expense | $1,430,000 | 2,501 |
| Pre-tax net operating income | $-544,000 | 8,979 |
| Securities gains (losses) | $29,000 | 2,717 |
| Applicable income taxes | $-184,000 | 9,110 |
| Income before extraordinary items | $-331,000 | 8,969 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-331,000 | 8,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,201 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,380,000 | 220 |
| Net operating income | $-349,560 | 8,912 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,690,000 | 2,563 |
| Total interest expense | $2,008,000 | 2,362 |
| Net interest income | $3,682,000 | 2,644 |
| Provision for loan and lease losses | $2,173,000 | 376 |
| Total noninterest income | $610,000 | 3,305 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $407,000 | 2,068 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $203,000 | 4,006 |
| Total noninterest expense | $3,014,000 | 2,587 |
| Salaries and employee benefits | $1,512,000 | 2,758 |
| Premises and equipment expense | $516,000 | 2,191 |
| Additional noninterest expense | $986,000 | 2,397 |
| Pre-tax net operating income | $-895,000 | 9,141 |
| Securities gains (losses) | $29,000 | 2,379 |
| Applicable income taxes | $-312,000 | 9,203 |
| Income before extraordinary items | $-554,000 | 9,145 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-554,000 | 9,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,999 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,380,000 | 136 |
| Net operating income | $-572,560 | 9,096 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,795,000 | 2,633 |
| Total interest expense | $1,017,000 | 2,404 |
| Net interest income | $1,778,000 | 2,727 |
| Provision for loan and lease losses | $177,000 | 1,507 |
| Total noninterest income | $237,000 | 3,758 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $186,000 | 2,154 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $51,000 | 5,226 |
| Total noninterest expense | $1,558,000 | 2,484 |
| Salaries and employee benefits | $816,000 | 2,569 |
| Premises and equipment expense | $282,000 | 2,025 |
| Additional noninterest expense | $460,000 | 2,517 |
| Pre-tax net operating income | $280,000 | 4,965 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $101,000 | 3,916 |
| Income before extraordinary items | $179,000 | 5,596 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $179,000 | 5,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $2,380,000 | 72 |
| Net operating income | $179,000 | 5,399 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,637,000 | 2,856 |
| Total interest expense | $4,456,000 | 2,495 |
| Net interest income | $6,181,000 | 3,071 |
| Provision for loan and lease losses | $1,020,000 | 1,326 |
| Total noninterest income | $739,000 | 4,187 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $629,000 | 2,482 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $110,000 | 6,258 |
| Total noninterest expense | $5,284,000 | 2,788 |
| Salaries and employee benefits | $2,753,000 | 2,843 |
| Premises and equipment expense | $765,000 | 2,774 |
| Additional noninterest expense | $1,766,000 | 2,582 |
| Pre-tax net operating income | $616,000 | 6,368 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $178,000 | 5,281 |
| Income before extraordinary items | $438,000 | 6,656 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $438,000 | 6,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,599 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $5,750,000 | 134 |
| Net operating income | $438,000 | 6,535 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,488,000 | 3,820 |
| Total interest expense | $4,360,000 | 3,553 |
| Net interest income | $4,128,000 | 4,028 |
| Provision for loan and lease losses | $568,000 | 1,996 |
| Total noninterest income | $526,000 | 4,934 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $417,000 | 3,273 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $109,000 | 6,235 |
| Total noninterest expense | $4,233,000 | 3,254 |
| Salaries and employee benefits | $2,003,000 | 3,587 |
| Premises and equipment expense | $595,000 | 3,381 |
| Additional noninterest expense | $1,635,000 | 2,662 |
| Pre-tax net operating income | $-147,000 | 8,914 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-72,000 | 9,208 |
| Income before extraordinary items | $-75,000 | 8,928 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-75,000 | 8,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,802 |
| Cash dividends | $145,000 | 5,377 |
| Sale, conversion, retirement of capital stock, net | $3,750,000 | 226 |
| Net operating income | $-75,000 | 8,869 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,169,000 | 4,977 |
| Total interest expense | $2,822,000 | 5,152 |
| Net interest income | $3,347,000 | 4,771 |
| Provision for loan and lease losses | $347,000 | 2,590 |
| Total noninterest income | $439,000 | 5,265 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 4,011 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 5,749 |
| Total noninterest expense | $2,796,000 | 4,476 |
| Salaries and employee benefits | $1,356,000 | 4,734 |
| Premises and equipment expense | $168,000 | 7,276 |
| Additional noninterest expense | $1,272,000 | 3,242 |
| Pre-tax net operating income | $643,000 | 6,429 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $42,000 | 7,376 |
| Income before extraordinary items | $601,000 | 5,844 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $601,000 | 5,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $601,000 | 5,858 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,417,000 | 6,913 |
| Total interest expense | $1,330,000 | 7,339 |
| Net interest income | $2,087,000 | 6,483 |
| Provision for loan and lease losses | $245,000 | 3,088 |
| Total noninterest income | $346,000 | 6,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,383 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,379 |
| Total noninterest expense | $1,891,000 | 5,883 |
| Salaries and employee benefits | $947,000 | 6,110 |
| Premises and equipment expense | $108,000 | 8,478 |
| Additional noninterest expense | $836,000 | 4,639 |
| Pre-tax net operating income | $297,000 | 8,108 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $297,000 | 7,618 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $297,000 | 7,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $297,000 | 7,591 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $962,000 | 9,885 |
| Total interest expense | $355,000 | 9,970 |
| Net interest income | $607,000 | 9,725 |
| Provision for loan and lease losses | $152,000 | 4,118 |
| Total noninterest income | $130,000 | 8,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 8,384 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,772 |
| Total noninterest expense | $1,328,000 | 7,163 |
| Salaries and employee benefits | $644,000 | 7,503 |
| Premises and equipment expense | $186,000 | 6,941 |
| Additional noninterest expense | $498,000 | 6,456 |
| Pre-tax net operating income | $-743,000 | 10,278 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-743,000 | 10,317 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-743,000 | 10,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $9,483,000 | 108 |
| Net operating income | $-743,000 | 10,292 |
* 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.