Home > First Coweta Bank > Income and Expense
First Coweta Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,468,000 | 4,292 |
| Total interest expense | $2,620,000 | 2,339 |
| Net interest income | $848,000 | 6,743 |
| Provision for loan and lease losses | $1,624,000 | 1,588 |
| Total noninterest income | $182,000 | 5,379 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $144,000 | 3,944 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $38,000 | 6,148 |
| Total noninterest expense | $3,472,000 | 2,847 |
| Salaries and employee benefits | $1,071,000 | 4,225 |
| Premises and equipment expense | $290,000 | 4,035 |
| Additional noninterest expense | $2,111,000 | 1,723 |
| Pre-tax net operating income | $-4,066,000 | 7,670 |
| Securities gains (losses) | $59,000 | 1,805 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-4,007,000 | 7,730 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,007,000 | 7,729 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-4,007,000 | 7,729 |
| Net charge-offs | $2,039,000 | 1,112 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,066,000 | 7,742 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,878,000 | 4,126 |
| Total interest expense | $1,336,000 | 2,379 |
| Net interest income | $542,000 | 6,221 |
| Provision for loan and lease losses | $670,000 | 1,505 |
| Total noninterest income | $31,000 | 6,970 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $67,000 | 4,058 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-36,000 | 8,065 |
| Total noninterest expense | $1,734,000 | 2,766 |
| Salaries and employee benefits | $533,000 | 4,253 |
| Premises and equipment expense | $151,000 | 3,954 |
| Additional noninterest expense | $1,050,000 | 1,538 |
| Pre-tax net operating income | $-1,831,000 | 7,797 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-6,000 | 7,153 |
| Income before extraordinary items | $-1,825,000 | 7,880 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,825,000 | 7,881 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,825,000 | 7,881 |
| Net charge-offs | $1,110,000 | 897 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,825,000 | 7,875 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,053,000 | 3,509 |
| Total interest expense | $6,246,000 | 2,431 |
| Net interest income | $3,807,000 | 4,726 |
| Provision for loan and lease losses | $6,707,000 | 813 |
| Total noninterest income | $338,000 | 5,623 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $336,000 | 3,811 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,000 | 7,889 |
| Total noninterest expense | $5,838,000 | 3,161 |
| Salaries and employee benefits | $3,121,000 | 3,140 |
| Premises and equipment expense | $666,000 | 3,631 |
| Additional noninterest expense | $2,051,000 | 2,805 |
| Pre-tax net operating income | $-8,400,000 | 7,950 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $-443,000 | 7,453 |
| Income before extraordinary items | $-7,956,000 | 7,944 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-7,956,000 | 7,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,554,000 | 751 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $195,000 | 786 |
| Net operating income | $-7,956,950 | 7,977 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,206,000 | 3,354 |
| Total interest expense | $4,902,000 | 2,415 |
| Net interest income | $3,304,000 | 4,306 |
| Provision for loan and lease losses | $3,460,000 | 824 |
| Total noninterest income | $847,000 | 3,221 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $254,000 | 3,815 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $593,000 | 2,549 |
| Total noninterest expense | $4,315,000 | 3,174 |
| Salaries and employee benefits | $2,406,000 | 3,090 |
| Premises and equipment expense | $503,000 | 3,620 |
| Additional noninterest expense | $1,406,000 | 2,943 |
| Pre-tax net operating income | $-3,624,000 | 8,064 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $-1,807,000 | 8,169 |
| Income before extraordinary items | $-1,816,000 | 7,819 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,816,000 | 7,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,198,000 | 1,159 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $177,000 | 616 |
| Net operating income | $-1,816,640 | 7,898 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,823,000 | 3,220 |
| Total interest expense | $3,505,000 | 2,368 |
| Net interest income | $2,318,000 | 4,179 |
| Provision for loan and lease losses | $2,100,000 | 757 |
| Total noninterest income | $468,000 | 3,665 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $161,000 | 3,926 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $307,000 | 2,981 |
| Total noninterest expense | $2,925,000 | 3,136 |
| Salaries and employee benefits | $1,715,000 | 2,931 |
| Premises and equipment expense | $345,000 | 3,591 |
| Additional noninterest expense | $865,000 | 3,116 |
| Pre-tax net operating income | $-2,239,000 | 8,185 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $-908,000 | 8,261 |
| Income before extraordinary items | $-1,330,000 | 8,111 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,330,000 | 8,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 1,272 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $152,000 | 463 |
| Net operating income | $-1,330,640 | 8,101 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,209,000 | 3,032 |
| Total interest expense | $1,892,000 | 2,352 |
| Net interest income | $1,317,000 | 3,826 |
| Provision for loan and lease losses | $500,000 | 995 |
| Total noninterest income | $245,000 | 3,562 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $77,000 | 3,952 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $168,000 | 2,844 |
| Total noninterest expense | $1,503,000 | 3,058 |
| Salaries and employee benefits | $889,000 | 2,870 |
| Premises and equipment expense | $194,000 | 3,327 |
| Additional noninterest expense | $420,000 | 3,171 |
| Pre-tax net operating income | $-441,000 | 8,043 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $-213,000 | 8,267 |
| Income before extraordinary items | $-227,000 | 7,884 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-227,000 | 7,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 912 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $137,000 | 269 |
| Net operating income | $-227,640 | 7,852 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,530,000 | 3,170 |
| Total interest expense | $6,492,000 | 2,812 |
| Net interest income | $6,038,000 | 3,484 |
| Provision for loan and lease losses | $1,065,000 | 1,366 |
| Total noninterest income | $1,019,000 | 3,501 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $308,000 | 4,024 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $711,000 | 2,734 |
| Total noninterest expense | $5,031,000 | 3,426 |
| Salaries and employee benefits | $2,714,000 | 3,496 |
| Premises and equipment expense | $653,000 | 3,618 |
| Additional noninterest expense | $1,664,000 | 3,136 |
| Pre-tax net operating income | $961,000 | 4,814 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $290,000 | 3,414 |
| Income before extraordinary items | $671,000 | 5,143 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $671,000 | 5,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,251 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $248,000 | 692 |
| Net operating income | $671,000 | 5,126 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,935,000 | 3,304 |
| Total interest expense | $4,493,000 | 3,003 |
| Net interest income | $4,442,000 | 3,546 |
| Provision for loan and lease losses | $1,065,000 | 856 |
| Total noninterest income | $709,000 | 3,656 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $220,000 | 4,130 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $489,000 | 2,887 |
| Total noninterest expense | $3,497,000 | 3,623 |
| Salaries and employee benefits | $1,885,000 | 3,692 |
| Premises and equipment expense | $449,000 | 3,835 |
| Additional noninterest expense | $1,163,000 | 3,274 |
| Pre-tax net operating income | $589,000 | 5,477 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $171,000 | 3,896 |
| Income before extraordinary items | $418,000 | 5,741 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $418,000 | 5,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 2,620 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $224,000 | 567 |
| Net operating income | $418,000 | 5,729 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,621,000 | 3,484 |
| Total interest expense | $2,746,000 | 3,213 |
| Net interest income | $2,875,000 | 3,651 |
| Provision for loan and lease losses | $250,000 | 1,793 |
| Total noninterest income | $543,000 | 3,378 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $145,000 | 4,154 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $398,000 | 2,584 |
| Total noninterest expense | $2,289,000 | 3,712 |
| Salaries and employee benefits | $1,190,000 | 3,880 |
| Premises and equipment expense | $286,000 | 3,972 |
| Additional noninterest expense | $813,000 | 3,141 |
| Pre-tax net operating income | $879,000 | 3,816 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $273,000 | 2,841 |
| Income before extraordinary items | $606,000 | 4,148 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $606,000 | 4,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,692 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 465 |
| Net operating income | $606,000 | 4,140 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,656,000 | 3,609 |
| Total interest expense | $1,310,000 | 3,301 |
| Net interest income | $1,346,000 | 3,823 |
| Provision for loan and lease losses | $70,000 | 2,576 |
| Total noninterest income | $345,000 | 2,837 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $71,000 | 4,138 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $274,000 | 2,087 |
| Total noninterest expense | $1,102,000 | 3,827 |
| Salaries and employee benefits | $572,000 | 4,016 |
| Premises and equipment expense | $139,000 | 4,082 |
| Additional noninterest expense | $391,000 | 3,229 |
| Pre-tax net operating income | $519,000 | 3,437 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $140,000 | 2,827 |
| Income before extraordinary items | $379,000 | 3,624 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $379,000 | 3,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,116 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $94,000 | 364 |
| Net operating income | $379,000 | 3,604 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,914,000 | 3,894 |
| Total interest expense | $4,074,000 | 3,554 |
| Net interest income | $4,840,000 | 4,101 |
| Provision for loan and lease losses | $560,000 | 1,724 |
| Total noninterest income | $526,000 | 5,021 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $223,000 | 4,762 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $303,000 | 4,272 |
| Total noninterest expense | $3,730,000 | 4,185 |
| Salaries and employee benefits | $1,872,000 | 4,495 |
| Premises and equipment expense | $515,000 | 4,184 |
| Additional noninterest expense | $1,343,000 | 3,605 |
| Pre-tax net operating income | $1,076,000 | 5,031 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $363,000 | 3,556 |
| Income before extraordinary items | $713,000 | 5,468 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $713,000 | 5,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,765 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $365,000 | 650 |
| Net operating income | $713,000 | 5,462 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,341,000 | 4,018 |
| Total interest expense | $2,809,000 | 3,675 |
| Net interest income | $3,532,000 | 4,217 |
| Provision for loan and lease losses | $420,000 | 1,622 |
| Total noninterest income | $388,000 | 5,084 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $160,000 | 4,898 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $228,000 | 4,263 |
| Total noninterest expense | $2,731,000 | 4,251 |
| Salaries and employee benefits | $1,375,000 | 4,530 |
| Premises and equipment expense | $361,000 | 4,377 |
| Additional noninterest expense | $995,000 | 3,630 |
| Pre-tax net operating income | $769,000 | 5,304 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $261,000 | 3,767 |
| Income before extraordinary items | $508,000 | 5,727 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $508,000 | 5,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $274,000 | 538 |
| Net operating income | $508,000 | 5,720 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,833,000 | 4,252 |
| Total interest expense | $1,625,000 | 3,912 |
| Net interest income | $2,208,000 | 4,430 |
| Provision for loan and lease losses | $260,000 | 1,707 |
| Total noninterest income | $245,000 | 5,193 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $91,000 | 5,218 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $154,000 | 4,257 |
| Total noninterest expense | $1,785,000 | 4,331 |
| Salaries and employee benefits | $875,000 | 4,704 |
| Premises and equipment expense | $228,000 | 4,532 |
| Additional noninterest expense | $682,000 | 3,556 |
| Pre-tax net operating income | $408,000 | 5,863 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $135,000 | 4,150 |
| Income before extraordinary items | $273,000 | 6,203 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $273,000 | 6,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 443 |
| Net operating income | $273,000 | 6,210 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,720,000 | 4,507 |
| Total interest expense | $705,000 | 4,162 |
| Net interest income | $1,015,000 | 4,669 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $98,000 | 5,636 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $42,000 | 5,298 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $56,000 | 4,890 |
| Total noninterest expense | $823,000 | 4,602 |
| Salaries and employee benefits | $398,000 | 5,030 |
| Premises and equipment expense | $104,000 | 4,836 |
| Additional noninterest expense | $321,000 | 3,687 |
| Pre-tax net operating income | $200,000 | 5,845 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $66,000 | 4,128 |
| Income before extraordinary items | $134,000 | 6,186 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $134,000 | 6,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $91,000 | 326 |
| Net operating income | $134,000 | 6,188 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,045,000 | 5,795 |
| Total interest expense | $1,615,000 | 5,051 |
| Net interest income | $2,430,000 | 6,122 |
| Provision for loan and lease losses | $480,000 | 1,951 |
| Total noninterest income | $297,000 | 6,343 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $97,000 | 6,336 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $200,000 | 5,167 |
| Total noninterest expense | $2,163,000 | 5,835 |
| Salaries and employee benefits | $1,146,000 | 5,928 |
| Premises and equipment expense | $324,000 | 5,516 |
| Additional noninterest expense | $693,000 | 5,613 |
| Pre-tax net operating income | $84,000 | 8,034 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-255,000 | 8,704 |
| Income before extraordinary items | $339,000 | 7,013 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $339,000 | 7,014 |
| 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 | $0 | 934 |
| Net operating income | $339,000 | 7,000 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,592,000 | 6,207 |
| Total interest expense | $979,000 | 5,495 |
| Net interest income | $1,613,000 | 6,471 |
| Provision for loan and lease losses | $415,000 | 1,668 |
| Total noninterest income | $209,000 | 6,515 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $54,000 | 6,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $155,000 | 5,131 |
| Total noninterest expense | $1,580,000 | 5,893 |
| Salaries and employee benefits | $830,000 | 6,012 |
| Premises and equipment expense | $240,000 | 5,556 |
| Additional noninterest expense | $510,000 | 5,636 |
| Pre-tax net operating income | $-173,000 | 8,473 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-173,000 | 8,505 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-173,000 | 8,505 |
| 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 | $0 | 769 |
| Net operating income | $-173,000 | 8,475 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,391,000 | 6,730 |
| Total interest expense | $444,000 | 6,346 |
| Net interest income | $947,000 | 6,804 |
| Provision for loan and lease losses | $307,000 | 1,480 |
| Total noninterest income | $159,000 | 6,221 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $29,000 | 6,990 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $130,000 | 4,617 |
| Total noninterest expense | $1,001,000 | 6,064 |
| Salaries and employee benefits | $528,000 | 6,177 |
| Premises and equipment expense | $156,000 | 5,596 |
| Additional noninterest expense | $317,000 | 5,827 |
| Pre-tax net operating income | $-202,000 | 8,554 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-202,000 | 8,585 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-202,000 | 8,585 |
| 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 | $0 | 643 |
| Net operating income | $-202,000 | 8,560 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $513,000 | 7,429 |
| Total interest expense | $135,000 | 7,352 |
| Net interest income | $378,000 | 7,377 |
| Provision for loan and lease losses | $155,000 | 1,354 |
| Total noninterest income | $72,000 | 6,381 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $493,000 | 6,157 |
| Salaries and employee benefits | $261,000 | 6,240 |
| Premises and equipment expense | $77,000 | 5,676 |
| Additional noninterest expense | $155,000 | 5,895 |
| Pre-tax net operating income | $-198,000 | 8,725 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-198,000 | 8,749 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-198,000 | 8,749 |
| 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 | $0 | 491 |
| Net operating income | $-198,000 | 8,732 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $499,000 | 8,759 |
| Total interest expense | $104,000 | 8,726 |
| Net interest income | $395,000 | 8,734 |
| Provision for loan and lease losses | $185,000 | 3,829 |
| Total noninterest income | $138,000 | 7,720 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $11,000 | 7,764 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $127,000 | 6,008 |
| Total noninterest expense | $1,156,000 | 7,517 |
| Salaries and employee benefits | $660,000 | 7,438 |
| Premises and equipment expense | $153,000 | 7,293 |
| Additional noninterest expense | $343,000 | 7,448 |
| Pre-tax net operating income | $-808,000 | 8,763 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-4,000 | 8,541 |
| Income before extraordinary items | $-804,000 | 8,795 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-804,000 | 8,796 |
| 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 | $13,565,000 | 63 |
| Net operating income | $-804,000 | 8,775 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $162,000 | 8,936 |
| Total interest expense | $19,000 | 8,925 |
| Net interest income | $143,000 | 8,917 |
| Provision for loan and lease losses | $95,000 | 4,360 |
| Total noninterest income | $41,000 | 8,591 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,000 | 7,885 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $38,000 | 7,412 |
| Total noninterest expense | $706,000 | 7,904 |
| Salaries and employee benefits | $435,000 | 7,687 |
| Premises and equipment expense | $78,000 | 7,914 |
| Additional noninterest expense | $193,000 | 7,956 |
| Pre-tax net operating income | $-617,000 | 8,807 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-617,000 | 8,848 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-617,000 | 8,849 |
| 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 | $13,540,000 | 51 |
| Net operating income | $-617,000 | 8,825 |
* 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.