Home > First Community Bank of Georgia > Income and Expense
First Community Bank of Georgia, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,124,000 | 5,485 |
| Total interest expense | $1,757,000 | 5,746 |
| Net interest income | $3,367,000 | 5,180 |
| Provision for loan and lease losses | $200,000 | 3,517 |
| Total noninterest income | $632,000 | 4,599 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $418,000 | 3,444 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $214,000 | 4,989 |
| Total noninterest expense | $2,323,000 | 5,711 |
| Salaries and employee benefits | $1,288,000 | 5,682 |
| Premises and equipment expense | $272,000 | 5,990 |
| Additional noninterest expense | $763,000 | 5,375 |
| Pre-tax net operating income | $1,476,000 | 4,323 |
| Securities gains (losses) | $3,000 | 1,365 |
| Applicable income taxes | $489,000 | 3,184 |
| Income before extraordinary items | $990,000 | 4,746 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $990,000 | 4,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,321 |
| Cash dividends | $214,000 | 4,862 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,153 |
| Net operating income | $987,990 | 4,744 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,815,000 | 5,506 |
| Total interest expense | $1,276,000 | 5,766 |
| Net interest income | $2,539,000 | 5,206 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $472,000 | 4,640 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $307,000 | 3,517 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $165,000 | 4,935 |
| Total noninterest expense | $1,754,000 | 5,685 |
| Salaries and employee benefits | $989,000 | 5,582 |
| Premises and equipment expense | $204,000 | 6,013 |
| Additional noninterest expense | $561,000 | 5,425 |
| Pre-tax net operating income | $1,212,000 | 4,276 |
| Securities gains (losses) | $2,000 | 1,183 |
| Applicable income taxes | $401,000 | 3,172 |
| Income before extraordinary items | $813,000 | 4,661 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $813,000 | 4,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,687 |
| Cash dividends | $214,000 | 4,072 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 971 |
| Net operating income | $811,660 | 4,660 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,435,000 | 5,606 |
| Total interest expense | $797,000 | 5,814 |
| Net interest income | $1,638,000 | 5,343 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $300,000 | 4,742 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $195,000 | 3,600 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $105,000 | 5,032 |
| Total noninterest expense | $1,162,000 | 5,717 |
| Salaries and employee benefits | $666,000 | 5,581 |
| Premises and equipment expense | $136,000 | 6,020 |
| Additional noninterest expense | $360,000 | 5,532 |
| Pre-tax net operating income | $746,000 | 4,483 |
| Securities gains (losses) | $1,000 | 1,053 |
| Applicable income taxes | $242,000 | 3,352 |
| Income before extraordinary items | $505,000 | 4,851 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $505,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $214,000 | 3,595 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $504,320 | 4,851 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,157,000 | 5,700 |
| Total interest expense | $374,000 | 5,862 |
| Net interest income | $783,000 | 5,456 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $147,000 | 4,738 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $94,000 | 3,616 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,003 |
| Total noninterest expense | $591,000 | 5,675 |
| Salaries and employee benefits | $345,000 | 5,482 |
| Premises and equipment expense | $66,000 | 6,124 |
| Additional noninterest expense | $180,000 | 5,503 |
| Pre-tax net operating income | $324,000 | 4,771 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $103,000 | 3,558 |
| Income before extraordinary items | $221,000 | 5,110 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $221,000 | 5,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 1,896 |
| Cash dividends | $214,000 | 2,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $221,000 | 5,104 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,105,000 | 5,748 |
| Total interest expense | $1,207,000 | 5,794 |
| Net interest income | $2,898,000 | 5,614 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $663,000 | 4,535 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $421,000 | 3,445 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $242,000 | 4,803 |
| Total noninterest expense | $2,286,000 | 5,661 |
| Salaries and employee benefits | $1,242,000 | 5,680 |
| Premises and equipment expense | $297,000 | 5,764 |
| Additional noninterest expense | $747,000 | 5,393 |
| Pre-tax net operating income | $1,215,000 | 4,879 |
| Securities gains (losses) | $7,000 | 1,594 |
| Applicable income taxes | $392,000 | 3,731 |
| Income before extraordinary items | $830,000 | 5,260 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $830,000 | 5,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,834 |
| Cash dividends | $178,000 | 5,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $825,240 | 5,253 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,985,000 | 5,815 |
| Total interest expense | $857,000 | 5,838 |
| Net interest income | $2,128,000 | 5,691 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $500,000 | 4,544 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $311,000 | 3,477 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $189,000 | 4,726 |
| Total noninterest expense | $1,695,000 | 5,665 |
| Salaries and employee benefits | $914,000 | 5,717 |
| Premises and equipment expense | $222,000 | 5,778 |
| Additional noninterest expense | $559,000 | 5,352 |
| Pre-tax net operating income | $888,000 | 5,061 |
| Securities gains (losses) | $8,000 | 1,553 |
| Applicable income taxes | $290,000 | 3,860 |
| Income before extraordinary items | $606,000 | 5,422 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $606,000 | 5,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,660 |
| Cash dividends | $178,000 | 4,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $600,560 | 5,415 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,921,000 | 5,860 |
| Total interest expense | $538,000 | 5,855 |
| Net interest income | $1,383,000 | 5,758 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $335,000 | 4,489 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $205,000 | 3,456 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $130,000 | 4,617 |
| Total noninterest expense | $1,136,000 | 5,641 |
| Salaries and employee benefits | $613,000 | 5,687 |
| Premises and equipment expense | $143,000 | 5,844 |
| Additional noninterest expense | $380,000 | 5,263 |
| Pre-tax net operating income | $552,000 | 5,220 |
| Securities gains (losses) | $8,000 | 1,424 |
| Applicable income taxes | $182,000 | 3,953 |
| Income before extraordinary items | $378,000 | 5,578 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $378,000 | 5,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,796 |
| Cash dividends | $178,000 | 3,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $372,640 | 5,588 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $926,000 | 5,956 |
| Total interest expense | $246,000 | 6,008 |
| Net interest income | $680,000 | 5,819 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $165,000 | 4,464 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $99,000 | 3,469 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $66,000 | 4,568 |
| Total noninterest expense | $566,000 | 5,689 |
| Salaries and employee benefits | $305,000 | 5,739 |
| Premises and equipment expense | $71,000 | 5,908 |
| Additional noninterest expense | $190,000 | 5,263 |
| Pre-tax net operating income | $264,000 | 5,319 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $85,000 | 4,031 |
| Income before extraordinary items | $179,000 | 5,681 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $179,000 | 5,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $178,000 | 2,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $179,000 | 5,648 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,327,000 | 6,119 |
| Total interest expense | $809,000 | 6,225 |
| Net interest income | $2,518,000 | 5,983 |
| Provision for loan and lease losses | $112,000 | 4,824 |
| Total noninterest income | $676,000 | 4,488 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $453,000 | 3,370 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $223,000 | 4,886 |
| Total noninterest expense | $2,272,000 | 5,590 |
| Salaries and employee benefits | $1,243,000 | 5,587 |
| Premises and equipment expense | $314,000 | 5,544 |
| Additional noninterest expense | $715,000 | 5,452 |
| Pre-tax net operating income | $810,000 | 5,762 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $228,000 | 4,583 |
| Income before extraordinary items | $582,000 | 6,015 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $582,000 | 6,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,915 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $582,000 | 5,949 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,438,000 | 6,192 |
| Total interest expense | $591,000 | 6,296 |
| Net interest income | $1,847,000 | 6,066 |
| Provision for loan and lease losses | $97,000 | 4,340 |
| Total noninterest income | $516,000 | 4,446 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $348,000 | 3,324 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $168,000 | 4,870 |
| Total noninterest expense | $1,696,000 | 5,587 |
| Salaries and employee benefits | $931,000 | 5,554 |
| Premises and equipment expense | $231,000 | 5,580 |
| Additional noninterest expense | $534,000 | 5,437 |
| Pre-tax net operating income | $570,000 | 6,017 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $157,000 | 4,784 |
| Income before extraordinary items | $413,000 | 6,238 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $413,000 | 6,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,750 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $413,000 | 6,172 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,630,000 | 6,196 |
| Total interest expense | $393,000 | 6,333 |
| Net interest income | $1,237,000 | 6,063 |
| Provision for loan and lease losses | $68,000 | 4,156 |
| Total noninterest income | $343,000 | 4,472 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $232,000 | 3,306 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $111,000 | 4,953 |
| Total noninterest expense | $1,136,000 | 5,612 |
| Salaries and employee benefits | $621,000 | 5,582 |
| Premises and equipment expense | $154,000 | 5,586 |
| Additional noninterest expense | $361,000 | 5,421 |
| Pre-tax net operating income | $376,000 | 6,016 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $104,000 | 4,795 |
| Income before extraordinary items | $272,000 | 6,261 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $272,000 | 6,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,446 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $272,000 | 6,175 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $815,000 | 6,211 |
| Total interest expense | $200,000 | 6,351 |
| Net interest income | $615,000 | 6,079 |
| Provision for loan and lease losses | $38,000 | 3,803 |
| Total noninterest income | $172,000 | 4,435 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $115,000 | 3,247 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $57,000 | 4,851 |
| Total noninterest expense | $568,000 | 5,622 |
| Salaries and employee benefits | $305,000 | 5,690 |
| Premises and equipment expense | $77,000 | 5,626 |
| Additional noninterest expense | $186,000 | 5,320 |
| Pre-tax net operating income | $181,000 | 6,052 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $50,000 | 4,842 |
| Income before extraordinary items | $131,000 | 6,322 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $131,000 | 6,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 1,678 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $131,000 | 6,205 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,406,000 | 6,122 |
| Total interest expense | $949,000 | 6,266 |
| Net interest income | $2,457,000 | 5,958 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $735,000 | 4,426 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $502,000 | 3,078 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $233,000 | 4,981 |
| Total noninterest expense | $2,320,000 | 5,489 |
| Salaries and employee benefits | $1,243,000 | 5,512 |
| Premises and equipment expense | $332,000 | 5,344 |
| Additional noninterest expense | $745,000 | 5,291 |
| Pre-tax net operating income | $632,000 | 6,233 |
| Securities gains (losses) | $4,000 | 3,987 |
| Applicable income taxes | $195,000 | 4,963 |
| Income before extraordinary items | $441,000 | 6,613 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $441,000 | 6,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 3,241 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $438,240 | 6,458 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,595,000 | 6,154 |
| Total interest expense | $737,000 | 6,320 |
| Net interest income | $1,858,000 | 5,967 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $543,000 | 4,502 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $383,000 | 3,049 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $160,000 | 5,212 |
| Total noninterest expense | $1,744,000 | 5,447 |
| Salaries and employee benefits | $927,000 | 5,499 |
| Premises and equipment expense | $253,000 | 5,289 |
| Additional noninterest expense | $564,000 | 5,226 |
| Pre-tax net operating income | $477,000 | 6,384 |
| Securities gains (losses) | $4,000 | 3,690 |
| Applicable income taxes | $153,000 | 5,059 |
| Income before extraordinary items | $328,000 | 6,781 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $328,000 | 6,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,464 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $325,280 | 6,628 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,762,000 | 6,129 |
| Total interest expense | $512,000 | 6,321 |
| Net interest income | $1,250,000 | 5,934 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $334,000 | 4,707 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $259,000 | 2,981 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $75,000 | 5,841 |
| Total noninterest expense | $1,175,000 | 5,393 |
| Salaries and employee benefits | $625,000 | 5,481 |
| Premises and equipment expense | $169,000 | 5,253 |
| Additional noninterest expense | $381,000 | 5,183 |
| Pre-tax net operating income | $289,000 | 6,564 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $103,000 | 5,089 |
| Income before extraordinary items | $191,000 | 7,048 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $191,000 | 7,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,199 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $187,750 | 6,894 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $896,000 | 6,114 |
| Total interest expense | $274,000 | 6,207 |
| Net interest income | $622,000 | 5,938 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $179,000 | 4,428 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $133,000 | 2,842 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $46,000 | 5,422 |
| Total noninterest expense | $582,000 | 5,438 |
| Salaries and employee benefits | $316,000 | 5,464 |
| Premises and equipment expense | $85,000 | 5,226 |
| Additional noninterest expense | $181,000 | 5,325 |
| Pre-tax net operating income | $159,000 | 6,347 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $57,000 | 4,911 |
| Income before extraordinary items | $103,000 | 6,838 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $103,000 | 6,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,377 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $102,360 | 6,694 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,640,000 | 5,425 |
| Total interest expense | $2,404,000 | 4,232 |
| Net interest income | $2,236,000 | 6,269 |
| Provision for loan and lease losses | $340,000 | 3,182 |
| Total noninterest income | $629,000 | 4,601 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $499,000 | 2,975 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $130,000 | 5,899 |
| Total noninterest expense | $2,544,000 | 5,026 |
| Salaries and employee benefits | $1,292,000 | 5,210 |
| Premises and equipment expense | $337,000 | 5,208 |
| Additional noninterest expense | $915,000 | 4,483 |
| Pre-tax net operating income | $-19,000 | 8,671 |
| Securities gains (losses) | $52,000 | 2,371 |
| Applicable income taxes | $3,000 | 7,526 |
| Income before extraordinary items | $30,000 | 8,625 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $30,000 | 8,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 2,217 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-17,320 | 8,677 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,553,000 | 5,253 |
| Total interest expense | $3,529,000 | 4,180 |
| Net interest income | $2,024,000 | 6,396 |
| Provision for loan and lease losses | $481,000 | 2,270 |
| Total noninterest income | $542,000 | 4,837 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $459,000 | 3,045 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $83,000 | 6,816 |
| Total noninterest expense | $2,064,000 | 5,617 |
| Salaries and employee benefits | $1,006,000 | 5,956 |
| Premises and equipment expense | $276,000 | 5,792 |
| Additional noninterest expense | $782,000 | 4,862 |
| Pre-tax net operating income | $21,000 | 8,645 |
| Securities gains (losses) | $217,000 | 1,133 |
| Applicable income taxes | $32,000 | 7,036 |
| Income before extraordinary items | $206,000 | 7,684 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $206,000 | 7,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 2,124 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $17,210 | 8,656 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,710,000 | 6,721 |
| Total interest expense | $2,092,000 | 6,141 |
| Net interest income | $1,618,000 | 7,267 |
| Provision for loan and lease losses | $34,000 | 7,119 |
| Total noninterest income | $565,000 | 4,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 3,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $258,000 | 4,231 |
| Total noninterest expense | $1,483,000 | 6,791 |
| Salaries and employee benefits | $730,000 | 7,059 |
| Premises and equipment expense | $196,000 | 6,833 |
| Additional noninterest expense | $557,000 | 6,027 |
| Pre-tax net operating income | $666,000 | 6,358 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $668,000 | 5,540 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $668,000 | 5,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-170,000 | 9,809 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $666,000 | 5,555 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,155,000 | 8,321 |
| Total interest expense | $1,253,000 | 7,509 |
| Net interest income | $902,000 | 8,845 |
| Provision for loan and lease losses | $465,000 | 1,878 |
| Total noninterest income | $343,000 | 6,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 5,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $199,000 | 4,951 |
| Total noninterest expense | $1,113,000 | 7,810 |
| Salaries and employee benefits | $571,000 | 7,904 |
| Premises and equipment expense | $174,000 | 7,248 |
| Additional noninterest expense | $368,000 | 7,552 |
| Pre-tax net operating income | $-333,000 | 9,735 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-334,000 | 9,794 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-334,000 | 9,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,774 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-333,000 | 9,775 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $500,000 | 10,220 |
| Total interest expense | $226,000 | 10,160 |
| Net interest income | $274,000 | 10,226 |
| Provision for loan and lease losses | $75,000 | 5,712 |
| Total noninterest income | $56,000 | 9,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 8,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,196 |
| Total noninterest expense | $636,000 | 9,316 |
| Salaries and employee benefits | $371,000 | 9,146 |
| Premises and equipment expense | $73,000 | 9,302 |
| Additional noninterest expense | $192,000 | 9,205 |
| Pre-tax net operating income | $-381,000 | 10,124 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-381,000 | 10,170 |
| Extraordinary gains, net | $-105,000 | 10,429 |
| Net income | $-486,000 | 10,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $5,674,000 | 209 |
| Net operating income | $-381,000 | 10,142 |
* 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.