Home > First Bank and Trust of Mississippi > Income and Expense
First Bank and Trust of Mississippi, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,384,000 | 5,800 |
| Total interest expense | $1,644,000 | 5,204 |
| Net interest income | $1,740,000 | 6,128 |
| Provision for loan and lease losses | $602,000 | 2,474 |
| Total noninterest income | $432,000 | 4,667 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $83,000 | 5,793 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $349,000 | 3,416 |
| Total noninterest expense | $2,795,000 | 4,449 |
| Salaries and employee benefits | $1,307,000 | 4,900 |
| Premises and equipment expense | $472,000 | 3,793 |
| Additional noninterest expense | $1,016,000 | 3,818 |
| Pre-tax net operating income | $-1,225,000 | 7,639 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-1,225,000 | 7,619 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,225,000 | 7,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,265 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $1,765,000 | 241 |
| Net operating income | $-1,225,000 | 7,717 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,271,000 | 5,859 |
| Total interest expense | $1,080,000 | 5,389 |
| Net interest income | $1,191,000 | 6,082 |
| Provision for loan and lease losses | $144,000 | 3,739 |
| Total noninterest income | $78,000 | 6,990 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $78,000 | 5,295 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $0 | 8,191 |
| Total noninterest expense | $1,660,000 | 4,805 |
| Salaries and employee benefits | $723,000 | 5,505 |
| Premises and equipment expense | $288,000 | 4,084 |
| Additional noninterest expense | $649,000 | 3,930 |
| Pre-tax net operating income | $-535,000 | 7,635 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-535,000 | 7,722 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-535,000 | 7,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,432 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $-35,000 | 8,392 |
| Net operating income | $-535,000 | 7,702 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,178,000 | 5,852 |
| Total interest expense | $560,000 | 5,469 |
| Net interest income | $618,000 | 6,026 |
| Provision for loan and lease losses | $45,000 | 3,899 |
| Total noninterest income | $31,000 | 7,280 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $25,000 | 5,933 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $6,000 | 7,600 |
| Total noninterest expense | $787,000 | 4,976 |
| Salaries and employee benefits | $360,000 | 5,557 |
| Premises and equipment expense | $133,000 | 4,350 |
| Additional noninterest expense | $294,000 | 4,183 |
| Pre-tax net operating income | $-183,000 | 7,735 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-183,000 | 7,817 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-183,000 | 7,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,353 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-183,000 | 7,784 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,978,000 | 5,736 |
| Total interest expense | $2,309,000 | 5,485 |
| Net interest income | $2,669,000 | 5,798 |
| Provision for loan and lease losses | $122,000 | 4,597 |
| Total noninterest income | $136,000 | 7,247 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $75,000 | 6,371 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $61,000 | 6,885 |
| Total noninterest expense | $2,789,000 | 5,235 |
| Salaries and employee benefits | $1,385,000 | 5,543 |
| Premises and equipment expense | $295,000 | 5,813 |
| Additional noninterest expense | $1,109,000 | 4,310 |
| Pre-tax net operating income | $-106,000 | 7,565 |
| Securities gains (losses) | $4,000 | 1,644 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-102,000 | 7,637 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-102,000 | 7,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,761 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 1,053 |
| Net operating income | $-106,000 | 7,617 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,671,000 | 5,804 |
| Total interest expense | $1,661,000 | 5,608 |
| Net interest income | $2,010,000 | 5,827 |
| Provision for loan and lease losses | $122,000 | 3,833 |
| Total noninterest income | $85,000 | 7,476 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $54,000 | 6,449 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $31,000 | 7,315 |
| Total noninterest expense | $2,025,000 | 5,320 |
| Salaries and employee benefits | $1,010,000 | 5,611 |
| Premises and equipment expense | $205,000 | 6,016 |
| Additional noninterest expense | $810,000 | 4,327 |
| Pre-tax net operating income | $-52,000 | 7,735 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $-52,000 | 7,785 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-52,000 | 7,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-148,000 | 8,432 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 933 |
| Net operating income | $-52,000 | 7,765 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,375,000 | 5,901 |
| Total interest expense | $1,077,000 | 5,692 |
| Net interest income | $1,298,000 | 5,950 |
| Provision for loan and lease losses | $105,000 | 3,205 |
| Total noninterest income | $60,000 | 7,472 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $34,000 | 6,547 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $26,000 | 7,121 |
| Total noninterest expense | $1,354,000 | 5,348 |
| Salaries and employee benefits | $663,000 | 5,736 |
| Premises and equipment expense | $137,000 | 6,041 |
| Additional noninterest expense | $554,000 | 4,257 |
| Pre-tax net operating income | $-101,000 | 7,979 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-101,000 | 8,000 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-101,000 | 7,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 7,963 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 784 |
| Net operating income | $-101,000 | 7,993 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,150,000 | 5,982 |
| Total interest expense | $500,000 | 5,857 |
| Net interest income | $650,000 | 5,953 |
| Provision for loan and lease losses | $52,000 | 3,040 |
| Total noninterest income | $22,000 | 7,786 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $19,000 | 6,411 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,000 | 8,103 |
| Total noninterest expense | $650,000 | 5,504 |
| Salaries and employee benefits | $321,000 | 5,863 |
| Premises and equipment expense | $71,000 | 5,997 |
| Additional noninterest expense | $258,000 | 4,436 |
| Pre-tax net operating income | $-30,000 | 7,978 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-30,000 | 8,001 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-30,000 | 8,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,916 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 537 |
| Net operating income | $-30,000 | 7,985 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,092,000 | 6,061 |
| Total interest expense | $1,891,000 | 5,553 |
| Net interest income | $2,201,000 | 6,340 |
| Provision for loan and lease losses | $205,000 | 3,480 |
| Total noninterest income | $13,000 | 8,462 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $59,000 | 6,743 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-46,000 | 8,658 |
| Total noninterest expense | $2,464,000 | 5,531 |
| Salaries and employee benefits | $1,193,000 | 5,938 |
| Premises and equipment expense | $282,000 | 5,896 |
| Additional noninterest expense | $989,000 | 4,550 |
| Pre-tax net operating income | $-455,000 | 8,238 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-455,000 | 8,270 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-455,000 | 8,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,358 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $3,003,000 | 364 |
| Net operating income | $-455,000 | 8,267 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,038,000 | 6,096 |
| Total interest expense | $1,398,000 | 5,534 |
| Net interest income | $1,640,000 | 6,414 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $64,000 | 7,969 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $42,000 | 6,883 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $22,000 | 7,774 |
| Total noninterest expense | $1,734,000 | 5,710 |
| Salaries and employee benefits | $854,000 | 6,046 |
| Premises and equipment expense | $217,000 | 5,851 |
| Additional noninterest expense | $663,000 | 4,897 |
| Pre-tax net operating income | $-210,000 | 8,305 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-210,000 | 8,325 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-210,000 | 8,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,446 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $950,000 | 379 |
| Net operating income | $-210,000 | 8,319 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,926,000 | 6,218 |
| Total interest expense | $888,000 | 5,544 |
| Net interest income | $1,038,000 | 6,574 |
| Provision for loan and lease losses | $105,000 | 3,244 |
| Total noninterest income | $41,000 | 8,050 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $25,000 | 7,011 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,000 | 7,752 |
| Total noninterest expense | $1,132,000 | 5,794 |
| Salaries and employee benefits | $562,000 | 6,096 |
| Premises and equipment expense | $160,000 | 5,602 |
| Additional noninterest expense | $410,000 | 5,122 |
| Pre-tax net operating income | $-158,000 | 8,380 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-158,000 | 8,393 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-158,000 | 8,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 325 |
| Net operating income | $-158,000 | 8,393 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $886,000 | 6,391 |
| Total interest expense | $390,000 | 5,767 |
| Net interest income | $496,000 | 6,705 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $12,000 | 8,372 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $557,000 | 5,848 |
| Salaries and employee benefits | $246,000 | 6,500 |
| Premises and equipment expense | $97,000 | 5,056 |
| Additional noninterest expense | $214,000 | 4,968 |
| Pre-tax net operating income | $-79,000 | 8,412 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-79,000 | 8,431 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-79,000 | 8,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,335 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-79,000 | 8,415 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,439,000 | 7,961 |
| Total interest expense | $578,000 | 7,382 |
| Net interest income | $861,000 | 8,147 |
| Provision for loan and lease losses | $305,000 | 2,776 |
| Total noninterest income | $15,000 | 8,634 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $26,000 | 7,394 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-11,000 | 8,798 |
| Total noninterest expense | $1,455,000 | 6,968 |
| Salaries and employee benefits | $664,000 | 7,395 |
| Premises and equipment expense | $159,000 | 7,175 |
| Additional noninterest expense | $632,000 | 5,890 |
| Pre-tax net operating income | $-884,000 | 8,614 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-884,000 | 8,647 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-884,000 | 8,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,376 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $196,000 | 654 |
| Net operating income | $-884,000 | 8,628 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $698,000 | 8,420 |
| Total interest expense | $276,000 | 7,980 |
| Net interest income | $422,000 | 8,523 |
| Provision for loan and lease losses | $235,000 | 2,646 |
| Total noninterest income | $16,000 | 8,654 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $15,000 | 7,525 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,692 |
| Total noninterest expense | $788,000 | 7,639 |
| Salaries and employee benefits | $405,000 | 7,761 |
| Premises and equipment expense | $83,000 | 7,752 |
| Additional noninterest expense | $300,000 | 7,100 |
| Pre-tax net operating income | $-585,000 | 8,627 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-585,000 | 8,669 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-585,000 | 8,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,415 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $205,000 | 490 |
| Net operating income | $-585,000 | 8,645 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $170,000 | 8,776 |
| Total interest expense | $65,000 | 8,611 |
| Net interest income | $105,000 | 8,787 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $4,000 | 8,739 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $4,000 | 7,684 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $214,000 | 8,654 |
| Salaries and employee benefits | $108,000 | 8,677 |
| Premises and equipment expense | $21,000 | 8,548 |
| Additional noninterest expense | $85,000 | 8,380 |
| Pre-tax net operating income | $-105,000 | 8,491 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-105,000 | 8,517 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-105,000 | 8,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-105,000 | 8,493 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $432,000 | 7,764 |
| Total interest expense | $179,000 | 6,799 |
| Net interest income | $253,000 | 8,052 |
| Provision for loan and lease losses | $24,000 | 4,451 |
| Total noninterest income | $59,000 | 6,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $59,000 | 4,816 |
| Total noninterest expense | $387,000 | 6,856 |
| Salaries and employee benefits | $221,000 | 6,741 |
| Premises and equipment expense | $47,000 | 6,898 |
| Additional noninterest expense | $119,000 | 6,701 |
| Pre-tax net operating income | $-99,000 | 8,645 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-99,000 | 8,667 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-99,000 | 8,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-99,000 | 8,645 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,748,000 | 7,634 |
| Total interest expense | $746,000 | 6,433 |
| Net interest income | $1,002,000 | 8,015 |
| Provision for loan and lease losses | $104,000 | 4,924 |
| Total noninterest income | $1,182,000 | 3,162 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,182,000 | 1,926 |
| Total noninterest expense | $2,529,000 | 5,262 |
| Salaries and employee benefits | $1,379,000 | 5,228 |
| Premises and equipment expense | $346,000 | 5,257 |
| Additional noninterest expense | $804,000 | 5,077 |
| Pre-tax net operating income | $-449,000 | 8,636 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-449,000 | 8,697 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-449,000 | 8,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,748 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 546 |
| Net operating income | $-449,000 | 8,668 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,301,000 | 7,690 |
| Total interest expense | $575,000 | 6,354 |
| Net interest income | $726,000 | 8,101 |
| Provision for loan and lease losses | $102,000 | 4,242 |
| Total noninterest income | $956,000 | 3,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $956,000 | 1,828 |
| Total noninterest expense | $1,908,000 | 5,198 |
| Salaries and employee benefits | $1,087,000 | 5,016 |
| Premises and equipment expense | $218,000 | 5,734 |
| Additional noninterest expense | $603,000 | 5,032 |
| Pre-tax net operating income | $-328,000 | 8,708 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-328,000 | 8,745 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-328,000 | 8,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,578 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 419 |
| Net operating income | $-328,000 | 8,723 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $864,000 | 7,743 |
| Total interest expense | $400,000 | 6,290 |
| Net interest income | $464,000 | 8,224 |
| Provision for loan and lease losses | $99,000 | 3,536 |
| Total noninterest income | $627,000 | 3,077 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $627,000 | 1,863 |
| Total noninterest expense | $1,310,000 | 5,112 |
| Salaries and employee benefits | $740,000 | 4,971 |
| Premises and equipment expense | $131,000 | 6,070 |
| Additional noninterest expense | $439,000 | 4,766 |
| Pre-tax net operating income | $-318,000 | 8,825 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-318,000 | 8,861 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-318,000 | 8,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 315 |
| Net operating income | $-318,000 | 8,835 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $429,000 | 7,789 |
| Total interest expense | $211,000 | 6,201 |
| Net interest income | $218,000 | 8,346 |
| Provision for loan and lease losses | $29,000 | 4,417 |
| Total noninterest income | $279,000 | 3,270 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $279,000 | 1,976 |
| Total noninterest expense | $631,000 | 5,281 |
| Salaries and employee benefits | $365,000 | 5,033 |
| Premises and equipment expense | $62,000 | 6,230 |
| Additional noninterest expense | $204,000 | 5,003 |
| Pre-tax net operating income | $-163,000 | 8,876 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-163,000 | 8,919 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-163,000 | 8,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-163,000 | 8,887 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,000,000 | 7,538 |
| Total interest expense | $1,116,000 | 5,802 |
| Net interest income | $884,000 | 8,285 |
| Provision for loan and lease losses | $158,000 | 4,497 |
| Total noninterest income | $2,303,000 | 2,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,303,000 | 1,318 |
| Total noninterest expense | $3,418,000 | 4,198 |
| Salaries and employee benefits | $1,978,000 | 3,961 |
| Premises and equipment expense | $249,000 | 6,190 |
| Additional noninterest expense | $1,191,000 | 3,748 |
| Pre-tax net operating income | $-389,000 | 8,775 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $40,000 | 6,430 |
| Income before extraordinary items | $-429,000 | 8,878 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-429,000 | 8,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,389 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 565 |
| Net operating income | $-429,000 | 8,814 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,528,000 | 7,582 |
| Total interest expense | $838,000 | 5,933 |
| Net interest income | $690,000 | 8,304 |
| Provision for loan and lease losses | $185,000 | 3,467 |
| Total noninterest income | $2,005,000 | 1,894 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,005,000 | 1,229 |
| Total noninterest expense | $2,537,000 | 4,219 |
| Salaries and employee benefits | $1,571,000 | 3,770 |
| Premises and equipment expense | $187,000 | 6,172 |
| Additional noninterest expense | $779,000 | 4,140 |
| Pre-tax net operating income | $-27,000 | 8,685 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $88,000 | 5,709 |
| Income before extraordinary items | $-115,000 | 8,844 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-115,000 | 8,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,724 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-115,000 | 8,773 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,005,000 | 7,674 |
| Total interest expense | $549,000 | 6,112 |
| Net interest income | $456,000 | 8,352 |
| Provision for loan and lease losses | $47,000 | 5,247 |
| Total noninterest income | $1,450,000 | 1,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,450,000 | 1,164 |
| Total noninterest expense | $1,690,000 | 4,214 |
| Salaries and employee benefits | $1,047,000 | 3,777 |
| Premises and equipment expense | $119,000 | 6,291 |
| Additional noninterest expense | $524,000 | 4,094 |
| Pre-tax net operating income | $169,000 | 7,463 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $66,000 | 5,622 |
| Income before extraordinary items | $103,000 | 7,925 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $103,000 | 7,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,623 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $103,000 | 7,748 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $517,000 | 7,658 |
| Total interest expense | $257,000 | 6,407 |
| Net interest income | $260,000 | 8,184 |
| Provision for loan and lease losses | $-6,000 | 9,169 |
| Total noninterest income | $663,000 | 1,861 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $663,000 | 1,209 |
| Total noninterest expense | $841,000 | 4,212 |
| Salaries and employee benefits | $527,000 | 3,746 |
| Premises and equipment expense | $53,000 | 6,622 |
| Additional noninterest expense | $261,000 | 4,074 |
| Pre-tax net operating income | $88,000 | 7,397 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $49,000 | 5,135 |
| Income before extraordinary items | $39,000 | 8,116 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $39,000 | 8,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,727 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $39,000 | 7,971 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,072,000 | 7,768 |
| Total interest expense | $1,041,000 | 6,825 |
| Net interest income | $1,031,000 | 8,221 |
| Provision for loan and lease losses | $310,000 | 3,349 |
| Total noninterest income | $2,742,000 | 1,660 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,742,000 | 1,059 |
| Total noninterest expense | $2,920,000 | 4,548 |
| Salaries and employee benefits | $1,901,000 | 3,914 |
| Premises and equipment expense | $228,000 | 6,413 |
| Additional noninterest expense | $791,000 | 4,962 |
| Pre-tax net operating income | $543,000 | 6,596 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $53,000 | 6,492 |
| Income before extraordinary items | $490,000 | 6,454 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $490,000 | 6,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,273 |
| Cash dividends | $76,000 | 5,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $490,000 | 6,293 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,007,000 | 8,206 |
| Total interest expense | $1,347,000 | 7,306 |
| Net interest income | $660,000 | 8,926 |
| Provision for loan and lease losses | $35,000 | 7,117 |
| Total noninterest income | $1,469,000 | 2,547 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,469,000 | 1,549 |
| Total noninterest expense | $2,517,000 | 4,919 |
| Salaries and employee benefits | $1,680,000 | 4,138 |
| Premises and equipment expense | $234,000 | 6,299 |
| Additional noninterest expense | $603,000 | 5,817 |
| Pre-tax net operating income | $-423,000 | 9,122 |
| Securities gains (losses) | $783,000 | 466 |
| Applicable income taxes | $2,000 | 7,831 |
| Income before extraordinary items | $358,000 | 6,792 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $358,000 | 6,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,192 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-417,170 | 9,151 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,485,000 | 8,971 |
| Total interest expense | $956,000 | 8,311 |
| Net interest income | $529,000 | 9,412 |
| Provision for loan and lease losses | $26,000 | 7,369 |
| Total noninterest income | $347,000 | 5,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $347,000 | 3,635 |
| Total noninterest expense | $1,792,000 | 6,071 |
| Salaries and employee benefits | $1,157,000 | 5,362 |
| Premises and equipment expense | $202,000 | 6,737 |
| Additional noninterest expense | $433,000 | 6,898 |
| Pre-tax net operating income | $-942,000 | 9,707 |
| Securities gains (losses) | $1,117,000 | 152 |
| Applicable income taxes | $4,000 | 8,229 |
| Income before extraordinary items | $171,000 | 8,270 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $171,000 | 8,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,174 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 923 |
| Net operating income | $-923,660 | 9,712 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,297,000 | 9,317 |
| Total interest expense | $735,000 | 8,866 |
| Net interest income | $562,000 | 9,576 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $112,000 | 8,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $112,000 | 6,354 |
| Total noninterest expense | $1,908,000 | 5,855 |
| Salaries and employee benefits | $1,156,000 | 5,304 |
| Premises and equipment expense | $251,000 | 6,029 |
| Additional noninterest expense | $501,000 | 6,516 |
| Pre-tax net operating income | $-1,304,000 | 10,109 |
| Securities gains (losses) | $1,436,000 | 171 |
| Applicable income taxes | $2,000 | 8,682 |
| Income before extraordinary items | $130,000 | 8,785 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $130,000 | 8,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,834 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 992 |
| Net operating income | $-1,277,280 | 10,108 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,080,000 | 9,784 |
| Total interest expense | $614,000 | 9,437 |
| Net interest income | $466,000 | 9,981 |
| Provision for loan and lease losses | $48,000 | 6,686 |
| Total noninterest income | $257,000 | 6,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $257,000 | 4,361 |
| Total noninterest expense | $626,000 | 9,345 |
| Salaries and employee benefits | $325,000 | 9,464 |
| Premises and equipment expense | $69,000 | 9,377 |
| Additional noninterest expense | $232,000 | 8,773 |
| Pre-tax net operating income | $49,000 | 9,620 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $48,000 | 9,634 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $48,000 | 9,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,892 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 650 |
| Net operating income | $48,000 | 9,574 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,116,000 | 10,179 |
| Total interest expense | $657,000 | 9,664 |
| Net interest income | $459,000 | 10,464 |
| Provision for loan and lease losses | $62,000 | 6,121 |
| Total noninterest income | $175,000 | 8,204 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $175,000 | 5,286 |
| Total noninterest expense | $688,000 | 9,425 |
| Salaries and employee benefits | $295,000 | 9,986 |
| Premises and equipment expense | $68,000 | 9,770 |
| Additional noninterest expense | $325,000 | 8,074 |
| Pre-tax net operating income | $-116,000 | 10,501 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,000 | 10,030 |
| Income before extraordinary items | $-117,000 | 10,543 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-117,000 | 10,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,811 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-117,000 | 10,516 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,130,000 | 10,624 |
| Total interest expense | $671,000 | 10,057 |
| Net interest income | $459,000 | 10,972 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $305,000 | 6,880 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $305,000 | 4,034 |
| Total noninterest expense | $748,000 | 9,640 |
| Salaries and employee benefits | $376,000 | 9,770 |
| Premises and equipment expense | $79,000 | 9,841 |
| Additional noninterest expense | $293,000 | 8,956 |
| Pre-tax net operating income | $-4,000 | 10,810 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-4,000 | 10,828 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-4,000 | 10,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,098 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 925 |
| Net operating income | $-4,000 | 10,781 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,041,000 | 11,211 |
| Total interest expense | $619,000 | 10,607 |
| Net interest income | $422,000 | 11,550 |
| Provision for loan and lease losses | $7,000 | 8,542 |
| Total noninterest income | $63,000 | 11,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $63,000 | 8,620 |
| Total noninterest expense | $676,000 | 10,278 |
| Salaries and employee benefits | $209,000 | 11,442 |
| Premises and equipment expense | $64,000 | 10,656 |
| Additional noninterest expense | $403,000 | 8,161 |
| Pre-tax net operating income | $-198,000 | 11,670 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,000 | 11,074 |
| Income before extraordinary items | $-200,000 | 11,682 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-200,000 | 11,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-200,000 | 11,670 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $867,000 | 11,957 |
| Total interest expense | $471,000 | 11,222 |
| Net interest income | $396,000 | 12,229 |
| Provision for loan and lease losses | $-12,000 | 11,781 |
| Total noninterest income | $57,000 | 11,782 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $57,000 | 9,251 |
| Total noninterest expense | $471,000 | 11,749 |
| Salaries and employee benefits | $213,000 | 11,971 |
| Premises and equipment expense | $55,000 | 11,452 |
| Additional noninterest expense | $203,000 | 11,122 |
| Pre-tax net operating income | $-6,000 | 12,109 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,000 | 11,577 |
| Income before extraordinary items | $-7,000 | 12,052 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-7,000 | 12,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,022 |
| Net operating income | $-7,000 | 12,077 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $869,000 | 12,548 |
| Total interest expense | $469,000 | 11,843 |
| Net interest income | $400,000 | 12,814 |
| Provision for loan and lease losses | $-56,000 | 12,780 |
| Total noninterest income | $40,000 | 12,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $40,000 | 10,664 |
| Total noninterest expense | $456,000 | 12,384 |
| Salaries and employee benefits | $199,000 | 12,651 |
| Premises and equipment expense | $51,000 | 12,175 |
| Additional noninterest expense | $206,000 | 11,647 |
| Pre-tax net operating income | $40,000 | 12,223 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $39,000 | 12,314 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $39,000 | 12,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 11,891 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,161 |
| Net operating income | $39,000 | 12,177 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,066,000 | 12,900 |
| Total interest expense | $627,000 | 12,167 |
| Net interest income | $439,000 | 13,271 |
| Provision for loan and lease losses | $8,000 | 11,328 |
| Total noninterest income | $28,000 | 13,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $28,000 | 11,929 |
| Total noninterest expense | $459,000 | 12,862 |
| Salaries and employee benefits | $203,000 | 13,128 |
| Premises and equipment expense | $47,000 | 12,796 |
| Additional noninterest expense | $209,000 | 12,115 |
| Pre-tax net operating income | $0 | 12,692 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $0 | 12,887 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $0 | 12,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 6,766 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $373,000 | 612 |
| Net operating income | $0 | 12,664 |
* 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.