Home > First Bank of the South > Income and Expense
First Bank of the South, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,084,000 | 4,336 |
| Total interest expense | $1,619,000 | 4,557 |
| Net interest income | $2,465,000 | 4,075 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $81,000 | 7,108 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $41,000 | 6,344 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $40,000 | 6,612 |
| Total noninterest expense | $968,000 | 6,333 |
| Salaries and employee benefits | $575,000 | 6,143 |
| Premises and equipment expense | $226,000 | 4,661 |
| Additional noninterest expense | $167,000 | 7,387 |
| Pre-tax net operating income | $1,578,000 | 2,592 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $561,000 | 1,921 |
| Income before extraordinary items | $1,017,000 | 3,007 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,017,000 | 3,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,017,000 | 2,990 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,497,000 | 835 |
| Total interest expense | $5,291,000 | 925 |
| Net interest income | $7,206,000 | 779 |
| Provision for loan and lease losses | $265,000 | 917 |
| Total noninterest income | $463,000 | 2,317 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $163,000 | 2,441 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $300,000 | 1,963 |
| Total noninterest expense | $2,373,000 | 1,947 |
| Salaries and employee benefits | $1,570,000 | 1,660 |
| Premises and equipment expense | $285,000 | 2,288 |
| Additional noninterest expense | $518,000 | 2,536 |
| Pre-tax net operating income | $5,031,000 | 520 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,878,000 | 464 |
| Income before extraordinary items | $3,153,000 | 589 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,153,000 | 589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $413,000 | 469 |
| Cash dividends | $8,550,000 | 166 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $3,153,000 | 576 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $46,272,000 | 825 |
| Total interest expense | $17,148,000 | 976 |
| Net interest income | $29,124,000 | 756 |
| Provision for loan and lease losses | $665,000 | 1,470 |
| Total noninterest income | $1,034,000 | 3,463 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $690,000 | 2,400 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $344,000 | 4,035 |
| Total noninterest expense | $10,418,000 | 1,708 |
| Salaries and employee benefits | $6,669,000 | 1,492 |
| Premises and equipment expense | $1,132,000 | 2,182 |
| Additional noninterest expense | $2,617,000 | 2,031 |
| Pre-tax net operating income | $19,075,000 | 560 |
| Securities gains (losses) | $-201,000 | 8,375 |
| Applicable income taxes | $7,038,000 | 495 |
| Income before extraordinary items | $11,836,000 | 642 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $11,836,000 | 641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,090 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 1,062 |
| Net operating income | $11,964,640 | 627 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $33,858,000 | 851 |
| Total interest expense | $12,074,000 | 1,009 |
| Net interest income | $21,784,000 | 779 |
| Provision for loan and lease losses | $575,000 | 1,253 |
| Total noninterest income | $799,000 | 3,401 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $522,000 | 2,392 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $277,000 | 3,882 |
| Total noninterest expense | $7,878,000 | 1,698 |
| Salaries and employee benefits | $5,039,000 | 1,476 |
| Premises and equipment expense | $856,000 | 2,183 |
| Additional noninterest expense | $1,983,000 | 1,967 |
| Pre-tax net operating income | $14,130,000 | 589 |
| Securities gains (losses) | $-31,000 | 8,000 |
| Applicable income taxes | $5,225,000 | 527 |
| Income before extraordinary items | $8,874,000 | 669 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $8,874,000 | 668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,550 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $8,893,840 | 661 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $21,963,000 | 857 |
| Total interest expense | $7,621,000 | 1,004 |
| Net interest income | $14,342,000 | 791 |
| Provision for loan and lease losses | $440,000 | 1,097 |
| Total noninterest income | $548,000 | 3,314 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $350,000 | 2,347 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $198,000 | 3,764 |
| Total noninterest expense | $5,286,000 | 1,691 |
| Salaries and employee benefits | $3,309,000 | 1,503 |
| Premises and equipment expense | $567,000 | 2,186 |
| Additional noninterest expense | $1,410,000 | 1,851 |
| Pre-tax net operating income | $9,164,000 | 604 |
| Securities gains (losses) | $-31,000 | 8,225 |
| Applicable income taxes | $3,380,000 | 539 |
| Income before extraordinary items | $5,753,000 | 690 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,753,000 | 689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,027 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,772,840 | 675 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,534,000 | 879 |
| Total interest expense | $3,576,000 | 1,014 |
| Net interest income | $6,958,000 | 807 |
| Provision for loan and lease losses | $300,000 | 761 |
| Total noninterest income | $294,000 | 3,127 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $174,000 | 2,295 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $120,000 | 3,380 |
| Total noninterest expense | $2,605,000 | 1,719 |
| Salaries and employee benefits | $1,632,000 | 1,529 |
| Premises and equipment expense | $282,000 | 2,212 |
| Additional noninterest expense | $691,000 | 1,893 |
| Pre-tax net operating income | $4,347,000 | 619 |
| Securities gains (losses) | $-31,000 | 8,470 |
| Applicable income taxes | $1,594,000 | 560 |
| Income before extraordinary items | $2,722,000 | 706 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,722,000 | 705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,741,840 | 688 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $28,553,000 | 1,161 |
| Total interest expense | $8,186,000 | 1,383 |
| Net interest income | $20,367,000 | 1,057 |
| Provision for loan and lease losses | $770,000 | 1,311 |
| Total noninterest income | $1,035,000 | 3,470 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $646,000 | 2,511 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $389,000 | 3,819 |
| Total noninterest expense | $7,730,000 | 2,157 |
| Salaries and employee benefits | $4,851,000 | 1,911 |
| Premises and equipment expense | $927,000 | 2,527 |
| Additional noninterest expense | $1,952,000 | 2,548 |
| Pre-tax net operating income | $12,902,000 | 772 |
| Securities gains (losses) | $-309,000 | 8,660 |
| Applicable income taxes | $4,609,000 | 687 |
| Income before extraordinary items | $7,984,000 | 903 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,984,000 | 903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,068 |
| Cash dividends | $6,137,000 | 551 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,181,760 | 869 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,385,000 | 1,186 |
| Total interest expense | $5,702,000 | 1,406 |
| Net interest income | $14,683,000 | 1,091 |
| Provision for loan and lease losses | $620,000 | 1,174 |
| Total noninterest income | $821,000 | 3,341 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $486,000 | 2,492 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $335,000 | 3,603 |
| Total noninterest expense | $5,615,000 | 2,210 |
| Salaries and employee benefits | $3,566,000 | 1,924 |
| Premises and equipment expense | $679,000 | 2,567 |
| Additional noninterest expense | $1,370,000 | 2,690 |
| Pre-tax net operating income | $9,269,000 | 796 |
| Securities gains (losses) | $-7,000 | 7,795 |
| Applicable income taxes | $3,419,000 | 694 |
| Income before extraordinary items | $5,843,000 | 922 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,843,000 | 923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,171 |
| Cash dividends | $2,187,000 | 981 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,847,480 | 904 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,948,000 | 1,207 |
| Total interest expense | $3,475,000 | 1,442 |
| Net interest income | $9,473,000 | 1,113 |
| Provision for loan and lease losses | $470,000 | 1,030 |
| Total noninterest income | $597,000 | 3,113 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $324,000 | 2,463 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $273,000 | 3,236 |
| Total noninterest expense | $3,650,000 | 2,250 |
| Salaries and employee benefits | $2,333,000 | 1,941 |
| Premises and equipment expense | $445,000 | 2,592 |
| Additional noninterest expense | $872,000 | 2,804 |
| Pre-tax net operating income | $5,950,000 | 803 |
| Securities gains (losses) | $-7,000 | 8,039 |
| Applicable income taxes | $2,191,000 | 713 |
| Income before extraordinary items | $3,752,000 | 931 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,752,000 | 932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,147 |
| Cash dividends | $2,187,000 | 663 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,756,480 | 908 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,175,000 | 1,247 |
| Total interest expense | $1,520,000 | 1,571 |
| Net interest income | $4,655,000 | 1,123 |
| Provision for loan and lease losses | $280,000 | 839 |
| Total noninterest income | $263,000 | 3,351 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $161,000 | 2,413 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $102,000 | 3,698 |
| Total noninterest expense | $1,827,000 | 2,272 |
| Salaries and employee benefits | $1,150,000 | 1,982 |
| Premises and equipment expense | $229,000 | 2,549 |
| Additional noninterest expense | $448,000 | 2,700 |
| Pre-tax net operating income | $2,811,000 | 835 |
| Securities gains (losses) | $-7,000 | 8,456 |
| Applicable income taxes | $1,036,000 | 745 |
| Income before extraordinary items | $1,768,000 | 980 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,768,000 | 981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $2,187,000 | 332 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,772,480 | 958 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,252,000 | 1,502 |
| Total interest expense | $3,610,000 | 2,239 |
| Net interest income | $15,642,000 | 1,290 |
| Provision for loan and lease losses | $1,105,000 | 958 |
| Total noninterest income | $964,000 | 3,644 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $635,000 | 2,577 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $329,000 | 4,094 |
| Total noninterest expense | $7,079,000 | 2,251 |
| Salaries and employee benefits | $4,494,000 | 1,942 |
| Premises and equipment expense | $898,000 | 2,523 |
| Additional noninterest expense | $1,687,000 | 2,821 |
| Pre-tax net operating income | $8,422,000 | 1,041 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,018,000 | 903 |
| Income before extraordinary items | $5,404,000 | 1,209 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,404,000 | 1,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-181,000 | 8,867 |
| Cash dividends | $2,333,000 | 1,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,404,000 | 1,180 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,681,000 | 1,557 |
| Total interest expense | $2,415,000 | 2,423 |
| Net interest income | $11,266,000 | 1,335 |
| Provision for loan and lease losses | $820,000 | 938 |
| Total noninterest income | $732,000 | 3,623 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $475,000 | 2,613 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $257,000 | 4,014 |
| Total noninterest expense | $5,152,000 | 2,313 |
| Salaries and employee benefits | $3,293,000 | 1,981 |
| Premises and equipment expense | $660,000 | 2,566 |
| Additional noninterest expense | $1,199,000 | 2,936 |
| Pre-tax net operating income | $6,026,000 | 1,100 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,156,000 | 954 |
| Income before extraordinary items | $3,870,000 | 1,276 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,870,000 | 1,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,522 |
| Cash dividends | $2,333,000 | 853 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,870,000 | 1,237 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,664,000 | 1,629 |
| Total interest expense | $1,534,000 | 2,526 |
| Net interest income | $7,130,000 | 1,384 |
| Provision for loan and lease losses | $600,000 | 825 |
| Total noninterest income | $473,000 | 3,704 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $322,000 | 2,560 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $151,000 | 4,291 |
| Total noninterest expense | $3,371,000 | 2,354 |
| Salaries and employee benefits | $2,144,000 | 2,033 |
| Premises and equipment expense | $444,000 | 2,534 |
| Additional noninterest expense | $783,000 | 2,994 |
| Pre-tax net operating income | $3,632,000 | 1,181 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,301,000 | 1,042 |
| Income before extraordinary items | $2,331,000 | 1,392 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,331,000 | 1,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,580 |
| Cash dividends | $2,333,000 | 622 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,331,000 | 1,340 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,200,000 | 1,679 |
| Total interest expense | $764,000 | 2,560 |
| Net interest income | $3,436,000 | 1,445 |
| Provision for loan and lease losses | $300,000 | 782 |
| Total noninterest income | $228,000 | 3,729 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $151,000 | 2,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $77,000 | 4,245 |
| Total noninterest expense | $1,671,000 | 2,384 |
| Salaries and employee benefits | $1,037,000 | 2,126 |
| Premises and equipment expense | $225,000 | 2,519 |
| Additional noninterest expense | $409,000 | 2,854 |
| Pre-tax net operating income | $1,693,000 | 1,250 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $618,000 | 1,097 |
| Income before extraordinary items | $1,075,000 | 1,495 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,075,000 | 1,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 8,771 |
| Cash dividends | $2,333,000 | 335 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,075,000 | 1,409 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,000,000 | 1,883 |
| Total interest expense | $3,221,000 | 2,688 |
| Net interest income | $11,779,000 | 1,651 |
| Provision for loan and lease losses | $740,000 | 1,553 |
| Total noninterest income | $939,000 | 3,843 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $582,000 | 2,769 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $357,000 | 4,176 |
| Total noninterest expense | $6,196,000 | 2,525 |
| Salaries and employee benefits | $3,800,000 | 2,243 |
| Premises and equipment expense | $696,000 | 3,097 |
| Additional noninterest expense | $1,700,000 | 2,756 |
| Pre-tax net operating income | $5,782,000 | 1,430 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $1,116,000 | 2,034 |
| Income before extraordinary items | $4,667,000 | 1,363 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,667,000 | 1,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,652 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 166 |
| Net operating income | $4,666,190 | 1,295 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,943,000 | 1,971 |
| Total interest expense | $2,505,000 | 2,676 |
| Net interest income | $8,438,000 | 1,743 |
| Provision for loan and lease losses | $370,000 | 2,151 |
| Total noninterest income | $704,000 | 3,932 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $441,000 | 2,741 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $263,000 | 4,284 |
| Total noninterest expense | $4,452,000 | 2,632 |
| Salaries and employee benefits | $2,789,000 | 2,281 |
| Premises and equipment expense | $488,000 | 3,286 |
| Additional noninterest expense | $1,175,000 | 2,939 |
| Pre-tax net operating income | $4,320,000 | 1,478 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $579,000 | 2,743 |
| Income before extraordinary items | $3,741,000 | 1,325 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,741,000 | 1,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,399 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 110 |
| Net operating income | $3,741,000 | 1,249 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,249,000 | 2,005 |
| Total interest expense | $1,727,000 | 2,668 |
| Net interest income | $5,522,000 | 1,766 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $455,000 | 3,954 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $297,000 | 2,671 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $158,000 | 4,487 |
| Total noninterest expense | $2,956,000 | 2,636 |
| Salaries and employee benefits | $1,863,000 | 2,273 |
| Premises and equipment expense | $319,000 | 3,316 |
| Additional noninterest expense | $774,000 | 2,956 |
| Pre-tax net operating income | $2,721,000 | 1,547 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $61,000 | 5,708 |
| Income before extraordinary items | $2,660,000 | 1,243 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,660,000 | 1,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,495 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 71 |
| Net operating income | $2,660,000 | 1,160 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,597,000 | 2,037 |
| Total interest expense | $869,000 | 2,724 |
| Net interest income | $2,728,000 | 1,784 |
| Provision for loan and lease losses | $225,000 | 1,208 |
| Total noninterest income | $195,000 | 4,228 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $143,000 | 2,678 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $52,000 | 5,197 |
| Total noninterest expense | $1,462,000 | 2,649 |
| Salaries and employee benefits | $915,000 | 2,295 |
| Premises and equipment expense | $160,000 | 3,310 |
| Additional noninterest expense | $387,000 | 2,937 |
| Pre-tax net operating income | $1,236,000 | 1,697 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $1,236,000 | 1,333 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,236,000 | 1,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,558 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 35 |
| Net operating income | $1,236,000 | 1,246 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,065,000 | 2,755 |
| Total interest expense | $3,144,000 | 3,417 |
| Net interest income | $7,921,000 | 2,423 |
| Provision for loan and lease losses | $364,000 | 3,036 |
| Total noninterest income | $538,000 | 5,015 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $340,000 | 3,948 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $198,000 | 5,053 |
| Total noninterest expense | $4,525,000 | 3,208 |
| Salaries and employee benefits | $2,533,000 | 3,084 |
| Premises and equipment expense | $584,000 | 3,485 |
| Additional noninterest expense | $1,408,000 | 3,114 |
| Pre-tax net operating income | $3,570,000 | 2,174 |
| Securities gains (losses) | $192,000 | 1,204 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $3,762,000 | 1,595 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,762,000 | 1,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,499 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,570,000 | 1,624 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,554,000 | 4,207 |
| Total interest expense | $2,987,000 | 4,743 |
| Net interest income | $4,567,000 | 3,703 |
| Provision for loan and lease losses | $515,000 | 2,145 |
| Total noninterest income | $297,000 | 6,454 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $135,000 | 6,013 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $162,000 | 5,371 |
| Total noninterest expense | $2,348,000 | 5,175 |
| Salaries and employee benefits | $1,505,000 | 4,497 |
| Premises and equipment expense | $287,000 | 5,667 |
| Additional noninterest expense | $556,000 | 6,126 |
| Pre-tax net operating income | $2,001,000 | 3,169 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $2,001,000 | 2,536 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,001,000 | 2,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,001,000 | 2,446 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,983,000 | 7,429 |
| Total interest expense | $1,257,000 | 7,682 |
| Net interest income | $1,726,000 | 7,065 |
| Provision for loan and lease losses | $570,000 | 1,692 |
| Total noninterest income | $94,000 | 8,678 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 7,929 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,569 |
| Total noninterest expense | $1,419,000 | 6,955 |
| Salaries and employee benefits | $804,000 | 6,712 |
| Premises and equipment expense | $175,000 | 7,161 |
| Additional noninterest expense | $440,000 | 6,848 |
| Pre-tax net operating income | $-169,000 | 9,313 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-169,000 | 9,343 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-169,000 | 9,342 |
| 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 | $10,600,000 | 60 |
| Net operating income | $-169,000 | 9,342 |
* 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.