Home > First Community Bank > Income and Expense

First Community Bank, Income and Expense

2007-09-30 (YTD Data)		Rank
Total interest income	$3,817,000	5,698
Total interest expense	$1,684,000	5,567
Net interest income	$2,133,000	5,669
Provision for loan and lease losses	$0	6,528
Total noninterest income	$362,000	5,126
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$82,000	5,941
Trading account gains and fees	$0	184
Additional Noninterest Income	$280,000	3,880
Total noninterest expense	$2,564,000	4,575
Salaries and employee benefits	$1,394,000	4,601
Premises and equipment expense	$397,000	4,184
Additional noninterest expense	$773,000	4,483
Pre-tax net operating income	$-69,000	7,767
Securities gains (losses)	$0	1,655
Applicable income taxes	$-8,000	8,017
Income before extraordinary items	$-61,000	7,798
Extraordinary gains, net	$0	33
Net income	$-61,000	7,795
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,320
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$22,000	1,016
Net operating income	$-61,000	7,782
2007-06-30 (YTD Data)		Rank
Total interest income	$2,576,000	5,693
Total interest expense	$1,158,000	5,483
Net interest income	$1,418,000	5,718
Provision for loan and lease losses	$0	6,209
Total noninterest income	$259,000	5,008
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$55,000	5,947
Trading account gains and fees	$0	168
Additional Noninterest Income	$204,000	3,747
Total noninterest expense	$1,669,000	4,662
Salaries and employee benefits	$926,000	4,662
Premises and equipment expense	$258,000	4,285
Additional noninterest expense	$485,000	4,670
Pre-tax net operating income	$8,000	7,743
Securities gains (losses)	$0	1,444
Applicable income taxes	$-8,000	8,131
Income before extraordinary items	$16,000	7,719
Extraordinary gains, net	$0	29
Net income	$16,000	7,718
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,005
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$1,000	1,036
Net operating income	$16,000	7,705
2007-03-31 (YTD Data)		Rank
Total interest income	$1,288,000	5,694
Total interest expense	$585,000	5,451
Net interest income	$703,000	5,746
Provision for loan and lease losses	$0	5,779
Total noninterest income	$138,000	4,817
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$27,000	5,944
Trading account gains and fees	$0	195
Additional Noninterest Income	$111,000	3,572
Total noninterest expense	$842,000	4,648
Salaries and employee benefits	$469,000	4,644
Premises and equipment expense	$127,000	4,340
Additional noninterest expense	$246,000	4,596
Pre-tax net operating income	$-1,000	7,857
Securities gains (losses)	$0	1,187
Applicable income taxes	$-8,000	8,236
Income before extraordinary items	$7,000	7,783
Extraordinary gains, net	$0	22
Net income	$7,000	7,782
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,566
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$1,000	868
Net operating income	$7,000	7,762
2006-12-31 (YTD Data)		Rank
Total interest income	$4,852,000	5,642
Total interest expense	$1,897,000	5,545
Net interest income	$2,955,000	5,569
Provision for loan and lease losses	$10,000	6,573
Total noninterest income	$376,000	5,736
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$109,000	6,027
Trading account gains and fees	$0	130
Additional Noninterest Income	$267,000	4,518
Total noninterest expense	$3,110,000	4,761
Salaries and employee benefits	$1,654,000	4,886
Premises and equipment expense	$424,000	4,743
Additional noninterest expense	$1,032,000	4,410
Pre-tax net operating income	$211,000	7,365
Securities gains (losses)	$0	1,687
Applicable income taxes	$58,000	5,351
Income before extraordinary items	$153,000	7,474
Extraordinary gains, net	$0	51
Net income	$153,000	7,476
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,021
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$6,000	1,193
Net operating income	$153,000	7,470
2006-09-30 (YTD Data)		Rank
Total interest income	$3,552,000	5,705
Total interest expense	$1,332,000	5,647
Net interest income	$2,220,000	5,624
Provision for loan and lease losses	$0	6,685
Total noninterest income	$285,000	5,745
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$83,000	6,071
Trading account gains and fees	$0	126
Additional Noninterest Income	$202,000	4,525
Total noninterest expense	$2,305,000	4,794
Salaries and employee benefits	$1,219,000	4,915
Premises and equipment expense	$303,000	4,909
Additional noninterest expense	$783,000	4,337
Pre-tax net operating income	$200,000	7,415
Securities gains (losses)	$0	1,388
Applicable income taxes	$55,000	5,380
Income before extraordinary items	$145,000	7,511
Extraordinary gains, net	$0	45
Net income	$145,000	7,513
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$1,000	1,026
Net operating income	$145,000	7,515
2006-06-30 (YTD Data)		Rank
Total interest income	$2,321,000	5,730
Total interest expense	$834,000	5,698
Net interest income	$1,487,000	5,622
Provision for loan and lease losses	$0	6,419
Total noninterest income	$186,000	5,799
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$59,000	6,001
Trading account gains and fees	$0	126
Additional Noninterest Income	$127,000	4,635
Total noninterest expense	$1,518,000	4,841
Salaries and employee benefits	$813,000	4,941
Premises and equipment expense	$187,000	5,145
Additional noninterest expense	$518,000	4,360
Pre-tax net operating income	$155,000	7,354
Securities gains (losses)	$0	1,185
Applicable income taxes	$46,000	5,280
Income before extraordinary items	$109,000	7,466
Extraordinary gains, net	$0	39
Net income	$109,000	7,467
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$1,000	869
Net operating income	$109,000	7,469
2006-03-31 (YTD Data)		Rank
Total interest income	$1,129,000	5,775
Total interest expense	$374,000	5,862
Net interest income	$755,000	5,585
Provision for loan and lease losses	$0	6,013
Total noninterest income	$86,000	5,923
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$28,000	6,029
Trading account gains and fees	$0	115
Additional Noninterest Income	$58,000	4,825
Total noninterest expense	$737,000	4,962
Salaries and employee benefits	$400,000	5,013
Premises and equipment expense	$93,000	5,175
Additional noninterest expense	$244,000	4,549
Pre-tax net operating income	$104,000	7,007
Securities gains (losses)	$0	955
Applicable income taxes	$32,000	4,955
Income before extraordinary items	$72,000	7,166
Extraordinary gains, net	$0	21
Net income	$72,000	7,166
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	629
Net operating income	$72,000	7,167
2005-12-31 (YTD Data)		Rank
Total interest income	$4,192,000	5,689
Total interest expense	$1,241,000	5,739
Net interest income	$2,951,000	5,570
Provision for loan and lease losses	$72,000	5,255
Total noninterest income	$291,000	6,380
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$99,000	6,305
Trading account gains and fees	$0	138
Additional Noninterest Income	$192,000	5,246
Total noninterest expense	$2,765,000	5,048
Salaries and employee benefits	$1,500,000	5,050
Premises and equipment expense	$384,000	4,986
Additional noninterest expense	$881,000	4,846
Pre-tax net operating income	$405,000	7,052
Securities gains (losses)	$0	2,296
Applicable income taxes	$-228,000	8,691
Income before extraordinary items	$633,000	5,884
Extraordinary gains, net	$0	46
Net income	$633,000	5,888
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,618
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$43,000	817
Net operating income	$633,000	5,852
2005-09-30 (YTD Data)		Rank
Total interest income	$3,046,000	5,750
Total interest expense	$877,000	5,782
Net interest income	$2,169,000	5,630
Provision for loan and lease losses	$44,000	5,480
Total noninterest income	$202,000	6,570
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$72,000	6,383
Trading account gains and fees	$0	126
Additional Noninterest Income	$130,000	5,457
Total noninterest expense	$2,087,000	4,996
Salaries and employee benefits	$1,100,000	5,097
Premises and equipment expense	$284,000	5,014
Additional noninterest expense	$703,000	4,612
Pre-tax net operating income	$240,000	7,479
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$240,000	7,242
Extraordinary gains, net	$0	35
Net income	$240,000	7,243
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$16,000	702
Net operating income	$240,000	7,202
2005-06-30 (YTD Data)		Rank
Total interest income	$1,957,000	5,807
Total interest expense	$555,000	5,777
Net interest income	$1,402,000	5,711
Provision for loan and lease losses	$21,000	5,614
Total noninterest income	$98,000	7,094
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$48,000	6,369
Trading account gains and fees	$0	116
Additional Noninterest Income	$50,000	6,409
Total noninterest expense	$1,330,000	5,135
Salaries and employee benefits	$696,000	5,264
Premises and equipment expense	$186,000	5,060
Additional noninterest expense	$448,000	4,737
Pre-tax net operating income	$149,000	7,548
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$149,000	7,359
Extraordinary gains, net	$0	30
Net income	$149,000	7,360
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$16,000	574
Net operating income	$149,000	7,310
2005-03-31 (YTD Data)		Rank
Total interest income	$954,000	5,872
Total interest expense	$266,000	5,801
Net interest income	$688,000	5,787
Provision for loan and lease losses	$9,000	5,480
Total noninterest income	$49,000	7,108
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$23,000	6,401
Trading account gains and fees	$0	115
Additional Noninterest Income	$26,000	6,409
Total noninterest expense	$634,000	5,323
Salaries and employee benefits	$336,000	5,419
Premises and equipment expense	$90,000	5,217
Additional noninterest expense	$208,000	4,944
Pre-tax net operating income	$94,000	7,314
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$94,000	7,002
Extraordinary gains, net	$0	24
Net income	$94,000	7,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$16,000	409
Net operating income	$94,000	6,975
2004-12-31 (YTD Data)		Rank
Total interest income	$3,355,000	6,088
Total interest expense	$937,000	5,847
Net interest income	$2,418,000	6,103
Provision for loan and lease losses	$86,000	5,249
Total noninterest income	$332,000	6,198
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$111,000	6,314
Trading account gains and fees	$0	138
Additional Noninterest Income	$221,000	4,902
Total noninterest expense	$2,562,000	5,216
Salaries and employee benefits	$1,357,000	5,290
Premises and equipment expense	$384,000	4,897
Additional noninterest expense	$821,000	5,001
Pre-tax net operating income	$102,000	8,111
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$102,000	8,083
Extraordinary gains, net	$0	34
Net income	$102,000	8,082
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	$102,000	8,040
2004-09-30 (YTD Data)		Rank
Total interest income	$2,438,000	6,192
Total interest expense	$681,000	5,904
Net interest income	$1,757,000	6,200
Provision for loan and lease losses	$63,000	5,070
Total noninterest income	$254,000	6,187
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$82,000	6,374
Trading account gains and fees	$0	134
Additional Noninterest Income	$172,000	4,813
Total noninterest expense	$1,928,000	5,158
Salaries and employee benefits	$1,016,000	5,270
Premises and equipment expense	$290,000	4,862
Additional noninterest expense	$622,000	4,936
Pre-tax net operating income	$20,000	8,410
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$20,000	8,441
Extraordinary gains, net	$0	26
Net income	$20,000	8,444
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	$20,000	8,399
2004-06-30 (YTD Data)		Rank
Total interest income	$1,555,000	6,350
Total interest expense	$447,000	5,975
Net interest income	$1,108,000	6,374
Provision for loan and lease losses	$30,000	5,293
Total noninterest income	$200,000	5,820
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$55,000	6,376
Trading account gains and fees	$0	130
Additional Noninterest Income	$145,000	4,372
Total noninterest expense	$1,296,000	5,149
Salaries and employee benefits	$681,000	5,277
Premises and equipment expense	$199,000	4,771
Additional noninterest expense	$416,000	4,929
Pre-tax net operating income	$-18,000	8,581
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$-18,000	8,625
Extraordinary gains, net	$0	21
Net income	$-18,000	8,627
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	$-18,000	8,580
2004-03-31 (YTD Data)		Rank
Total interest income	$755,000	6,459
Total interest expense	$223,000	6,040
Net interest income	$532,000	6,518
Provision for loan and lease losses	$9,000	5,706
Total noninterest income	$86,000	6,123
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$28,000	6,308
Trading account gains and fees	$0	121
Additional Noninterest Income	$58,000	4,809
Total noninterest expense	$649,000	5,170
Salaries and employee benefits	$341,000	5,286
Premises and equipment expense	$103,000	4,692
Additional noninterest expense	$205,000	4,985
Pre-tax net operating income	$-40,000	8,706
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-40,000	8,745
Extraordinary gains, net	$0	16
Net income	$-40,000	8,746
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	$-40,000	8,707
2003-12-31 (YTD Data)		Rank
Total interest income	$2,914,000	6,629
Total interest expense	$940,000	6,286
Net interest income	$1,974,000	6,629
Provision for loan and lease losses	$90,000	5,469
Total noninterest income	$555,000	5,159
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$80,000	6,892
Trading account gains and fees	$0	160
Additional Noninterest Income	$475,000	3,668
Total noninterest expense	$2,667,000	4,982
Salaries and employee benefits	$1,413,000	5,059
Premises and equipment expense	$399,000	4,737
Additional noninterest expense	$855,000	4,823
Pre-tax net operating income	$-228,000	8,713
Securities gains (losses)	$90,000	1,978
Applicable income taxes	$0	7,459
Income before extraordinary items	$-138,000	8,743
Extraordinary gains, net	$0	54
Net income	$-138,000	8,746
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-228,000	8,730
2003-09-30 (YTD Data)		Rank
Total interest income	$2,154,000	6,753
Total interest expense	$723,000	6,376
Net interest income	$1,431,000	6,768
Provision for loan and lease losses	$68,000	5,354
Total noninterest income	$443,000	5,056
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$58,000	7,002
Trading account gains and fees	$0	153
Additional Noninterest Income	$385,000	3,606
Total noninterest expense	$2,009,000	4,967
Salaries and employee benefits	$1,072,000	5,006
Premises and equipment expense	$298,000	4,734
Additional noninterest expense	$639,000	4,791
Pre-tax net operating income	$-203,000	8,822
Securities gains (losses)	$90,000	1,840
Applicable income taxes	$0	7,524
Income before extraordinary items	$-113,000	8,842
Extraordinary gains, net	$0	40
Net income	$-113,000	8,843
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-203,000	8,834
2003-06-30 (YTD Data)		Rank
Total interest income	$1,410,000	6,862
Total interest expense	$497,000	6,404
Net interest income	$913,000	6,905
Provision for loan and lease losses	$42,000	5,388
Total noninterest income	$270,000	5,266
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$39,000	6,980
Trading account gains and fees	$0	150
Additional Noninterest Income	$231,000	3,762
Total noninterest expense	$1,289,000	5,092
Salaries and employee benefits	$684,000	5,170
Premises and equipment expense	$193,000	4,808
Additional noninterest expense	$412,000	4,898
Pre-tax net operating income	$-148,000	8,879
Securities gains (losses)	$90,000	1,588
Applicable income taxes	$0	7,529
Income before extraordinary items	$-58,000	8,870
Extraordinary gains, net	$0	30
Net income	$-58,000	8,871
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-148,000	8,886
2003-03-31 (YTD Data)		Rank
Total interest income	$684,000	6,967
Total interest expense	$250,000	6,492
Net interest income	$434,000	7,063
Provision for loan and lease losses	$20,000	5,233
Total noninterest income	$109,000	5,690
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$16,000	7,223
Trading account gains and fees	$0	134
Additional Noninterest Income	$93,000	4,068
Total noninterest expense	$595,000	5,366
Salaries and employee benefits	$315,000	5,474
Premises and equipment expense	$90,000	5,048
Additional noninterest expense	$190,000	5,155
Pre-tax net operating income	$-72,000	8,931
Securities gains (losses)	$46,000	1,434
Applicable income taxes	$0	7,403
Income before extraordinary items	$-26,000	8,896
Extraordinary gains, net	$0	21
Net income	$-26,000	8,893
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-72,000	8,912
2002-12-31 (YTD Data)		Rank
Total interest income	$2,778,000	7,072
Total interest expense	$1,097,000	6,694
Net interest income	$1,681,000	7,141
Provision for loan and lease losses	$20,000	7,508
Total noninterest income	$350,000	6,101
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$56,000	7,422
Trading account gains and fees	$0	153
Additional Noninterest Income	$294,000	4,307
Total noninterest expense	$1,897,000	6,064
Salaries and employee benefits	$967,000	6,259
Premises and equipment expense	$287,000	5,714
Additional noninterest expense	$643,000	5,689
Pre-tax net operating income	$114,000	8,263
Securities gains (losses)	$37,000	2,669
Applicable income taxes	$0	7,681
Income before extraordinary items	$151,000	8,082
Extraordinary gains, net	$0	70
Net income	$151,000	8,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,632
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$6,000	829
Net operating income	$114,000	8,169
2001-12-31 (YTD Data)		Rank
Total interest income	$3,177,000	7,057
Total interest expense	$1,723,000	6,560
Net interest income	$1,454,000	7,412
Provision for loan and lease losses	$0	8,228
Total noninterest income	$158,000	7,768
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$37,000	7,853
Trading account gains and fees	$0	177
Additional Noninterest Income	$121,000	5,991
Total noninterest expense	$1,543,000	6,700
Salaries and employee benefits	$731,000	7,059
Premises and equipment expense	$238,000	6,235
Additional noninterest expense	$574,000	6,004
Pre-tax net operating income	$69,000	8,468
Securities gains (losses)	$-182,000	9,537
Applicable income taxes	$0	7,903
Income before extraordinary items	$-113,000	8,965
Extraordinary gains, net	$0	105
Net income	$-113,000	8,964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-50,000	9,411
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$1,000	905
Net operating income	$69,000	8,405
2000-12-31 (YTD Data)		Rank
Total interest income	$3,082,000	7,334
Total interest expense	$1,761,000	6,678
Net interest income	$1,321,000	7,822
Provision for loan and lease losses	$30,000	7,204
Total noninterest income	$115,000	8,380
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$22,000	8,235
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	6,597
Total noninterest expense	$1,344,000	7,125
Salaries and employee benefits	$639,000	7,499
Premises and equipment expense	$207,000	6,651
Additional noninterest expense	$498,000	6,442
Pre-tax net operating income	$62,000	8,932
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$62,000	8,918
Extraordinary gains, net	$0	38
Net income	$62,000	8,917
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	5,042
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$37,000	801
Net operating income	$62,000	8,903
1999-12-31 (YTD Data)		Rank
Total interest income	$2,530,000	7,878
Total interest expense	$1,436,000	7,119
Net interest income	$1,094,000	8,418
Provision for loan and lease losses	$45,000	6,711
Total noninterest income	$60,000	9,448
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	8,649
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	8,128
Total noninterest expense	$1,198,000	7,573
Salaries and employee benefits	$506,000	8,313
Premises and equipment expense	$194,000	6,910
Additional noninterest expense	$498,000	6,530
Pre-tax net operating income	$-89,000	9,525
Securities gains (losses)	$4,000	2,267
Applicable income taxes	$0	8,765
Income before extraordinary items	$-85,000	9,556
Extraordinary gains, net	$0	35
Net income	$-85,000	9,553
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	4,770
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$24,000	926
Net operating income	$-89,000	9,537
1998-12-31 (YTD Data)		Rank
Total interest income	$2,387,000	8,226
Total interest expense	$1,325,000	7,599
Net interest income	$1,062,000	8,652
Provision for loan and lease losses	$108,000	4,961
Total noninterest income	$35,000	10,036
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	8,758
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	9,566
Total noninterest expense	$1,180,000	7,595
Salaries and employee benefits	$577,000	7,885
Premises and equipment expense	$150,000	7,646
Additional noninterest expense	$453,000	6,781
Pre-tax net operating income	$-191,000	9,990
Securities gains (losses)	$48,000	1,766
Applicable income taxes	$15,000	8,979
Income before extraordinary items	$-158,000	10,014
Extraordinary gains, net	$0	32
Net income	$-158,000	10,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,720
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$5,421,000	216
Net operating income	$-206,000	10,022
1997-12-31 (YTD Data)		Rank
Total interest income	$2,347,000	8,576
Total interest expense	$1,506,000	7,331
Net interest income	$841,000	9,572
Provision for loan and lease losses	$49,000	6,723
Total noninterest income	$76,000	9,837
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$12,000	9,252
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	7,887
Total noninterest expense	$847,000	8,864
Salaries and employee benefits	$368,000	9,470
Premises and equipment expense	$150,000	7,796
Additional noninterest expense	$329,000	8,029
Pre-tax net operating income	$21,000	10,319
Securities gains (losses)	$-2,000	9,246
Applicable income taxes	$0	10,065
Income before extraordinary items	$19,000	10,356
Extraordinary gains, net	$0	44
Net income	$19,000	10,358
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,371
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$21,000	10,311
1996-12-31 (YTD Data)		Rank
Total interest income	$2,379,000	8,860
Total interest expense	$1,615,000	7,293
Net interest income	$764,000	10,213
Provision for loan and lease losses	$-5,000	11,061
Total noninterest income	$197,000	8,278
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$9,000	9,771
Trading account gains and fees	NA	NA
Additional Noninterest Income	$188,000	5,346
Total noninterest expense	$743,000	9,664
Salaries and employee benefits	$299,000	10,355
Premises and equipment expense	$115,000	8,909
Additional noninterest expense	$329,000	8,583
Pre-tax net operating income	$223,000	9,642
Securities gains (losses)	$-10,000	10,276
Applicable income taxes	$0	10,572
Income before extraordinary items	$213,000	9,172
Extraordinary gains, net	$0	53
Net income	$213,000	9,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	11,005
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$223,000	9,020
1995-12-31 (YTD Data)		Rank
Total interest income	$2,159,000	9,481
Total interest expense	$1,367,000	8,065
Net interest income	$792,000	10,555
Provision for loan and lease losses	$6,000	8,588
Total noninterest income	$233,000	7,951
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$10,000	10,187
Trading account gains and fees	NA	NA
Additional Noninterest Income	$223,000	4,811
Total noninterest expense	$735,000	10,053
Salaries and employee benefits	$327,000	10,523
Premises and equipment expense	$115,000	9,181
Additional noninterest expense	$293,000	9,311
Pre-tax net operating income	$284,000	9,868
Securities gains (losses)	$0	3,831
Applicable income taxes	$0	11,151
Income before extraordinary items	$284,000	9,094
Extraordinary gains, net	$0	65
Net income	$284,000	9,100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	4,506
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$284,000	9,068
1994-12-31 (YTD Data)		Rank
Total interest income	$1,473,000	10,786
Total interest expense	$812,000	9,545
Net interest income	$661,000	11,518
Provision for loan and lease losses	$159,000	3,501
Total noninterest income	$11,000	12,464
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$9,000	10,745
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	12,485
Total noninterest expense	$809,000	10,211
Salaries and employee benefits	$273,000	11,448
Premises and equipment expense	$120,000	9,390
Additional noninterest expense	$416,000	8,662
Pre-tax net operating income	$-296,000	12,309
Securities gains (losses)	$-10,000	9,836
Applicable income taxes	$0	11,630
Income before extraordinary items	$-306,000	12,283
Extraordinary gains, net	$0	249
Net income	$-306,000	12,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$166,000	2,815
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-296,000	12,290
1993-12-31 (YTD Data)		Rank
Total interest income	$1,503,000	11,238
Total interest expense	$896,000	9,569
Net interest income	$607,000	12,198
Provision for loan and lease losses	$68,000	6,717
Total noninterest income	$10,000	13,170
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	11,238
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	13,164
Total noninterest expense	$697,000	11,188
Salaries and employee benefits	$214,000	12,503
Premises and equipment expense	$133,000	9,383
Additional noninterest expense	$350,000	9,838
Pre-tax net operating income	$-148,000	12,646
Securities gains (losses)	$36,000	3,866
Applicable income taxes	$0	12,141
Income before extraordinary items	$-112,000	12,672
Extraordinary gains, net	$0	3,149
Net income	$-112,000	12,692
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	7,730
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-148,000	12,619
1992-12-31 (YTD Data)		Rank
Total interest income	$1,694,000	11,529
Total interest expense	$1,101,000	9,979
Net interest income	$593,000	12,728
Provision for loan and lease losses	$124,000	6,630
Total noninterest income	$5,000	13,838
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$4,000	11,701
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,000	13,843
Total noninterest expense	$839,000	10,808
Salaries and employee benefits	$416,000	10,675
Premises and equipment expense	$126,000	9,817
Additional noninterest expense	$297,000	10,861
Pre-tax net operating income	$-365,000	13,213
Securities gains (losses)	$82,000	3,330
Applicable income taxes	$0	12,680
Income before extraordinary items	$-283,000	13,241
Extraordinary gains, net	$0	1,422
Net income	$-283,000	13,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	5,216
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$1,000	1,141
Net operating income	$-365,000	13,196

* 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.