Home > Community Bank of West Georgia > Income and Expense
Community Bank of West Georgia, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,088,000 | 3,810 |
| Total interest expense | $1,819,000 | 1,834 |
| Net interest income | $269,000 | 7,499 |
| Provision for loan and lease losses | $2,204,000 | 701 |
| Total noninterest income | $-39,000 | 8,126 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $16,000 | 6,311 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-55,000 | 8,090 |
| Total noninterest expense | $1,712,000 | 2,798 |
| Salaries and employee benefits | $569,000 | 4,051 |
| Premises and equipment expense | $193,000 | 3,319 |
| Additional noninterest expense | $950,000 | 1,710 |
| Pre-tax net operating income | $-3,686,000 | 7,976 |
| Securities gains (losses) | $301,000 | 499 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-3,385,000 | 7,998 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,385,000 | 8,000 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-3,385,000 | 7,999 |
| Net charge-offs | $837,000 | 1,058 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,686,000 | 8,013 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,426,000 | 3,170 |
| Total interest expense | $7,812,000 | 2,012 |
| Net interest income | $3,614,000 | 4,884 |
| Provision for loan and lease losses | $6,285,000 | 855 |
| Total noninterest income | $275,000 | 5,969 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $89,000 | 6,055 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $186,000 | 4,959 |
| Total noninterest expense | $5,500,000 | 3,312 |
| Salaries and employee benefits | $2,728,000 | 3,526 |
| Premises and equipment expense | $768,000 | 3,280 |
| Additional noninterest expense | $2,004,000 | 2,869 |
| Pre-tax net operating income | $-7,896,000 | 7,935 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $338,000 | 2,264 |
| Income before extraordinary items | $-8,234,000 | 7,954 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-8,234,000 | 7,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,552,000 | 885 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $122,000 | 917 |
| Net operating income | $-8,234,000 | 7,988 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,118,000 | 3,070 |
| Total interest expense | $5,895,000 | 2,074 |
| Net interest income | $3,223,000 | 4,387 |
| Provision for loan and lease losses | $5,497,000 | 615 |
| Total noninterest income | $170,000 | 6,412 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $64,000 | 6,143 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $106,000 | 5,543 |
| Total noninterest expense | $4,093,000 | 3,326 |
| Salaries and employee benefits | $2,189,000 | 3,380 |
| Premises and equipment expense | $599,000 | 3,201 |
| Additional noninterest expense | $1,305,000 | 3,139 |
| Pre-tax net operating income | $-6,197,000 | 8,162 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $215,000 | 2,829 |
| Income before extraordinary items | $-6,412,000 | 8,165 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-6,412,000 | 8,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,255,000 | 1,135 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 928 |
| Net operating income | $-6,412,000 | 8,195 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,368,000 | 2,971 |
| Total interest expense | $4,051,000 | 2,104 |
| Net interest income | $2,317,000 | 4,182 |
| Provision for loan and lease losses | $1,770,000 | 854 |
| Total noninterest income | $93,000 | 6,760 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $53,000 | 5,861 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $40,000 | 6,423 |
| Total noninterest expense | $2,702,000 | 3,361 |
| Salaries and employee benefits | $1,489,000 | 3,356 |
| Premises and equipment expense | $421,000 | 3,075 |
| Additional noninterest expense | $792,000 | 3,390 |
| Pre-tax net operating income | $-2,062,000 | 8,169 |
| Securities gains (losses) | $39,000 | 1,619 |
| Applicable income taxes | $215,000 | 2,593 |
| Income before extraordinary items | $-2,238,000 | 8,236 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,238,000 | 8,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $934,000 | 903 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 875 |
| Net operating income | $-2,277,000 | 8,227 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,352,000 | 2,922 |
| Total interest expense | $2,130,000 | 2,132 |
| Net interest income | $1,222,000 | 4,057 |
| Provision for loan and lease losses | $1,595,000 | 454 |
| Total noninterest income | $3,000 | 8,242 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $29,000 | 5,728 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-26,000 | 8,427 |
| Total noninterest expense | $1,321,000 | 3,432 |
| Salaries and employee benefits | $745,000 | 3,371 |
| Premises and equipment expense | $202,000 | 3,203 |
| Additional noninterest expense | $374,000 | 3,483 |
| Pre-tax net operating income | $-1,691,000 | 8,349 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $215,000 | 1,875 |
| Income before extraordinary items | $-1,906,000 | 8,381 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,906,000 | 8,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $821,000 | 520 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 853 |
| Net operating income | $-1,906,000 | 8,377 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,812,000 | 2,711 |
| Total interest expense | $8,409,000 | 2,232 |
| Net interest income | $6,403,000 | 3,347 |
| Provision for loan and lease losses | $712,000 | 1,829 |
| Total noninterest income | $282,000 | 6,147 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $97,000 | 6,051 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $185,000 | 5,221 |
| Total noninterest expense | $4,985,000 | 3,442 |
| Salaries and employee benefits | $2,896,000 | 3,321 |
| Premises and equipment expense | $722,000 | 3,365 |
| Additional noninterest expense | $1,367,000 | 3,692 |
| Pre-tax net operating income | $988,000 | 4,767 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $303,000 | 3,370 |
| Income before extraordinary items | $685,000 | 5,093 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $685,000 | 5,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,378 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $4,011,000 | 287 |
| Net operating income | $685,000 | 5,083 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,027,000 | 2,729 |
| Total interest expense | $6,176,000 | 2,267 |
| Net interest income | $4,851,000 | 3,313 |
| Provision for loan and lease losses | $351,000 | 2,079 |
| Total noninterest income | $139,000 | 6,881 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $40,000 | 6,723 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $99,000 | 5,819 |
| Total noninterest expense | $3,652,000 | 3,492 |
| Salaries and employee benefits | $2,161,000 | 3,321 |
| Premises and equipment expense | $534,000 | 3,376 |
| Additional noninterest expense | $957,000 | 3,833 |
| Pre-tax net operating income | $987,000 | 4,390 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $354,000 | 2,965 |
| Income before extraordinary items | $633,000 | 4,902 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $633,000 | 4,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $4,011,000 | 212 |
| Net operating income | $633,000 | 4,893 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,236,000 | 2,785 |
| Total interest expense | $3,985,000 | 2,333 |
| Net interest income | $3,251,000 | 3,321 |
| Provision for loan and lease losses | $268,000 | 1,709 |
| Total noninterest income | $107,000 | 6,739 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $17,000 | 7,048 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $90,000 | 5,306 |
| Total noninterest expense | $2,403,000 | 3,562 |
| Salaries and employee benefits | $1,457,000 | 3,328 |
| Premises and equipment expense | $359,000 | 3,363 |
| Additional noninterest expense | $587,000 | 4,076 |
| Pre-tax net operating income | $687,000 | 4,357 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $232,000 | 3,069 |
| Income before extraordinary items | $455,000 | 4,783 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $455,000 | 4,783 |
| 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 | $1,472,000 | 226 |
| Net operating income | $455,000 | 4,781 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,597,000 | 2,795 |
| Total interest expense | $1,940,000 | 2,379 |
| Net interest income | $1,657,000 | 3,267 |
| Provision for loan and lease losses | $136,000 | 1,610 |
| Total noninterest income | $68,000 | 6,298 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $9,000 | 7,042 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $59,000 | 4,788 |
| Total noninterest expense | $1,184,000 | 3,608 |
| Salaries and employee benefits | $730,000 | 3,338 |
| Premises and equipment expense | $179,000 | 3,407 |
| Additional noninterest expense | $275,000 | 4,226 |
| Pre-tax net operating income | $405,000 | 3,966 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $117,000 | 3,061 |
| Income before extraordinary items | $288,000 | 4,280 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $288,000 | 4,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $288,000 | 4,256 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,716,000 | 3,395 |
| Total interest expense | $5,286,000 | 2,888 |
| Net interest income | $5,430,000 | 3,783 |
| Provision for loan and lease losses | $544,000 | 1,774 |
| Total noninterest income | $112,000 | 7,624 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $81,000 | 6,429 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $31,000 | 7,671 |
| Total noninterest expense | $4,415,000 | 3,678 |
| Salaries and employee benefits | $2,699,000 | 3,415 |
| Premises and equipment expense | $638,000 | 3,594 |
| Additional noninterest expense | $1,078,000 | 4,276 |
| Pre-tax net operating income | $583,000 | 6,244 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-422,000 | 8,554 |
| Income before extraordinary items | $1,005,000 | 4,703 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,005,000 | 4,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,128 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $2,880,000 | 375 |
| Net operating income | $1,005,000 | 4,701 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,369,000 | 3,592 |
| Total interest expense | $3,441,000 | 3,158 |
| Net interest income | $3,928,000 | 3,904 |
| Provision for loan and lease losses | $437,000 | 1,581 |
| Total noninterest income | $86,000 | 7,678 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $65,000 | 6,410 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $21,000 | 7,800 |
| Total noninterest expense | $3,113,000 | 3,871 |
| Salaries and employee benefits | $1,895,000 | 3,583 |
| Premises and equipment expense | $471,000 | 3,642 |
| Additional noninterest expense | $747,000 | 4,507 |
| Pre-tax net operating income | $464,000 | 6,369 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-423,000 | 8,682 |
| Income before extraordinary items | $887,000 | 4,457 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $887,000 | 4,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,313 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $2,280,000 | 298 |
| Net operating income | $887,000 | 4,448 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,494,000 | 3,793 |
| Total interest expense | $2,055,000 | 3,308 |
| Net interest income | $2,439,000 | 4,109 |
| Provision for loan and lease losses | $372,000 | 1,237 |
| Total noninterest income | $64,000 | 7,618 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $43,000 | 6,440 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $21,000 | 7,503 |
| Total noninterest expense | $1,971,000 | 4,041 |
| Salaries and employee benefits | $1,194,000 | 3,755 |
| Premises and equipment expense | $313,000 | 3,643 |
| Additional noninterest expense | $464,000 | 4,716 |
| Pre-tax net operating income | $160,000 | 7,322 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,000 | 6,505 |
| Income before extraordinary items | $158,000 | 7,093 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $158,000 | 7,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,609 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $1,900,000 | 222 |
| Net operating income | $158,000 | 7,105 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,035,000 | 4,026 |
| Total interest expense | $907,000 | 3,513 |
| Net interest income | $1,128,000 | 4,346 |
| Provision for loan and lease losses | $170,000 | 1,293 |
| Total noninterest income | $20,000 | 8,055 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $20,000 | 6,506 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,611 |
| Total noninterest expense | $918,000 | 4,256 |
| Salaries and employee benefits | $528,000 | 4,134 |
| Premises and equipment expense | $161,000 | 3,575 |
| Additional noninterest expense | $229,000 | 4,739 |
| Pre-tax net operating income | $60,000 | 7,572 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $60,000 | 7,363 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $60,000 | 7,361 |
| 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 | $1,000,000 | 140 |
| Net operating income | $60,000 | 7,371 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,866,000 | 4,660 |
| Total interest expense | $2,638,000 | 3,680 |
| Net interest income | $3,228,000 | 5,265 |
| Provision for loan and lease losses | $136,000 | 4,286 |
| Total noninterest income | $131,000 | 7,658 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $65,000 | 6,834 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $66,000 | 7,037 |
| Total noninterest expense | $3,031,000 | 4,739 |
| Salaries and employee benefits | $1,591,000 | 4,862 |
| Premises and equipment expense | $672,000 | 3,340 |
| Additional noninterest expense | $768,000 | 5,296 |
| Pre-tax net operating income | $192,000 | 7,727 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $192,000 | 7,626 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $192,000 | 7,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,564 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $350,000 | 572 |
| Net operating income | $192,000 | 7,591 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,125,000 | 4,820 |
| Total interest expense | $1,839,000 | 3,730 |
| Net interest income | $2,286,000 | 5,472 |
| Provision for loan and lease losses | $136,000 | 3,626 |
| Total noninterest income | $111,000 | 7,538 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $45,000 | 6,963 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $66,000 | 6,601 |
| Total noninterest expense | $2,185,000 | 4,834 |
| Salaries and employee benefits | $1,151,000 | 4,951 |
| Premises and equipment expense | $513,000 | 3,295 |
| Additional noninterest expense | $521,000 | 5,583 |
| Pre-tax net operating income | $76,000 | 8,103 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $76,000 | 8,077 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $76,000 | 8,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,845 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $350,000 | 438 |
| Net operating income | $76,000 | 8,047 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,612,000 | 4,916 |
| Total interest expense | $1,150,000 | 3,740 |
| Net interest income | $1,462,000 | 5,576 |
| Provision for loan and lease losses | $136,000 | 2,829 |
| Total noninterest income | $92,000 | 7,200 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $26,000 | 7,089 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $66,000 | 5,981 |
| Total noninterest expense | $1,425,000 | 4,906 |
| Salaries and employee benefits | $717,000 | 5,170 |
| Premises and equipment expense | $354,000 | 3,160 |
| Additional noninterest expense | $354,000 | 5,485 |
| Pre-tax net operating income | $-7,000 | 8,370 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-7,000 | 8,392 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-7,000 | 8,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,134 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $350,000 | 321 |
| Net operating income | $-7,000 | 8,361 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,199,000 | 5,174 |
| Total interest expense | $516,000 | 3,932 |
| Net interest income | $683,000 | 5,806 |
| Provision for loan and lease losses | $129,000 | 1,651 |
| Total noninterest income | $17,000 | 8,358 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $11,000 | 7,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $664,000 | 5,182 |
| Salaries and employee benefits | $343,000 | 5,358 |
| Premises and equipment expense | $166,000 | 3,360 |
| Additional noninterest expense | $155,000 | 5,895 |
| Pre-tax net operating income | $-93,000 | 8,636 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-93,000 | 8,659 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-93,000 | 8,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,934 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-93,000 | 8,636 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,052,000 | 6,368 |
| Total interest expense | $1,237,000 | 5,035 |
| Net interest income | $1,815,000 | 6,876 |
| Provision for loan and lease losses | $374,000 | 2,497 |
| Total noninterest income | $18,000 | 8,790 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $18,000 | 7,685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $1,959,000 | 6,063 |
| Salaries and employee benefits | $966,000 | 6,391 |
| Premises and equipment expense | $440,000 | 4,482 |
| Additional noninterest expense | $553,000 | 6,255 |
| Pre-tax net operating income | $-500,000 | 8,665 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $2,000 | 7,032 |
| Income before extraordinary items | $-494,000 | 8,718 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-494,000 | 8,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-502,000 | 8,695 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,093,000 | 6,635 |
| Total interest expense | $839,000 | 5,313 |
| Net interest income | $1,254,000 | 7,102 |
| Provision for loan and lease losses | $234,000 | 2,704 |
| Total noninterest income | $19,000 | 8,813 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $17,000 | 7,679 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,821 |
| Total noninterest expense | $1,396,000 | 6,213 |
| Salaries and employee benefits | $702,000 | 6,451 |
| Premises and equipment expense | $321,000 | 4,549 |
| Additional noninterest expense | $373,000 | 6,534 |
| Pre-tax net operating income | $-357,000 | 8,721 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $2,000 | 7,080 |
| Income before extraordinary items | $-351,000 | 8,752 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-351,000 | 8,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-359,000 | 8,733 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,301,000 | 6,846 |
| Total interest expense | $499,000 | 5,655 |
| Net interest income | $802,000 | 7,219 |
| Provision for loan and lease losses | $182,000 | 2,348 |
| Total noninterest income | $13,000 | 8,868 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $11,000 | 7,732 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $863,000 | 6,496 |
| Salaries and employee benefits | $446,000 | 6,636 |
| Premises and equipment expense | $185,000 | 5,027 |
| Additional noninterest expense | $232,000 | 6,763 |
| Pre-tax net operating income | $-230,000 | 8,784 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-222,000 | 8,813 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-222,000 | 8,814 |
| 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 | $-230,000 | 8,789 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $581,000 | 7,166 |
| Total interest expense | $220,000 | 6,074 |
| Net interest income | $361,000 | 7,481 |
| Provision for loan and lease losses | $111,000 | 1,949 |
| Total noninterest income | $9,000 | 8,820 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $9,000 | 7,564 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $412,000 | 6,677 |
| Salaries and employee benefits | $223,000 | 6,679 |
| Premises and equipment expense | $94,000 | 5,013 |
| Additional noninterest expense | $95,000 | 7,267 |
| Pre-tax net operating income | $-153,000 | 8,862 |
| Securities gains (losses) | $8,000 | 2,145 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-145,000 | 8,904 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-145,000 | 8,904 |
| 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 | $-153,000 | 8,879 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,068,000 | 8,520 |
| Total interest expense | $302,000 | 8,447 |
| Net interest income | $766,000 | 8,461 |
| Provision for loan and lease losses | $308,000 | 3,101 |
| Total noninterest income | $29,000 | 8,949 |
| 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 | $26,000 | 8,239 |
| Total noninterest expense | $1,122,000 | 7,632 |
| Salaries and employee benefits | $608,000 | 7,659 |
| Premises and equipment expense | $242,000 | 6,277 |
| Additional noninterest expense | $272,000 | 7,944 |
| Pre-tax net operating income | $-635,000 | 8,875 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-635,000 | 8,946 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-635,000 | 8,945 |
| 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 | $9,000,000 | 99 |
| Net operating income | $-635,000 | 8,893 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $559,000 | 8,878 |
| Total interest expense | $154,000 | 8,834 |
| Net interest income | $405,000 | 8,846 |
| Provision for loan and lease losses | $236,000 | 2,975 |
| Total noninterest income | $16,000 | 9,072 |
| 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 | $14,000 | 8,509 |
| Total noninterest expense | $1,350,000 | 6,322 |
| Salaries and employee benefits | $410,000 | 7,886 |
| Premises and equipment expense | $163,000 | 6,579 |
| Additional noninterest expense | $777,000 | 4,148 |
| Pre-tax net operating income | $-1,165,000 | 9,100 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-1,165,000 | 9,142 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,165,000 | 9,141 |
| 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 | $9,000,000 | 67 |
| Net operating income | $-1,165,000 | 9,100 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $203,000 | 9,120 |
| Total interest expense | $47,000 | 9,106 |
| Net interest income | $156,000 | 9,103 |
| Provision for loan and lease losses | $126,000 | 3,381 |
| Total noninterest income | $4,000 | 9,171 |
| 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 | $2,000 | 9,014 |
| Total noninterest expense | $991,000 | 6,023 |
| Salaries and employee benefits | $215,000 | 8,353 |
| Premises and equipment expense | $81,000 | 7,268 |
| Additional noninterest expense | $695,000 | 3,253 |
| Pre-tax net operating income | $-957,000 | 9,150 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-957,000 | 9,203 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-957,000 | 9,203 |
| 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 | $9,000,000 | 44 |
| Net operating income | $-957,000 | 9,157 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $10,000 | 9,292 |
| Total interest expense | $1,000 | 9,281 |
| Net interest income | $9,000 | 9,285 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $0 | 9,248 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 9,145 |
| Total noninterest expense | $611,000 | 5,274 |
| Salaries and employee benefits | $27,000 | 9,251 |
| Premises and equipment expense | $0 | 9,263 |
| Additional noninterest expense | $584,000 | 2,017 |
| Pre-tax net operating income | $-602,000 | 9,225 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-602,000 | 9,261 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-602,000 | 9,258 |
| 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 | $7,000,000 | 31 |
| Net operating income | $-602,000 | 9,223 |
* 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.