Home > First Florida Bank > Income and Expense
First Florida Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,942,000 | 2,059 |
| Total interest expense | $3,791,000 | 1,235 |
| Net interest income | $1,151,000 | 4,211 |
| Provision for loan and lease losses | $19,770,000 | 112 |
| Total noninterest income | $-213,000 | 8,459 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $40,000 | 5,234 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-253,000 | 8,471 |
| Total noninterest expense | $3,748,000 | 1,288 |
| Salaries and employee benefits | $1,698,000 | 1,565 |
| Premises and equipment expense | $570,000 | 1,209 |
| Additional noninterest expense | $1,480,000 | 982 |
| Pre-tax net operating income | $-22,580,000 | 8,469 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-8,688,000 | 8,468 |
| Income before extraordinary items | $-13,892,000 | 8,459 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-13,892,000 | 8,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,406,000 | 93 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $238,000 | 190 |
| Net operating income | $-13,892,000 | 8,458 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $26,342,000 | 1,641 |
| Total interest expense | $15,788,000 | 1,263 |
| Net interest income | $10,554,000 | 2,145 |
| Provision for loan and lease losses | $29,067,000 | 121 |
| Total noninterest income | $430,000 | 5,346 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $143,000 | 5,501 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $287,000 | 4,321 |
| Total noninterest expense | $12,268,000 | 1,506 |
| Salaries and employee benefits | $6,220,000 | 1,619 |
| Premises and equipment expense | $2,056,000 | 1,295 |
| Additional noninterest expense | $3,992,000 | 1,390 |
| Pre-tax net operating income | $-30,351,000 | 8,514 |
| Securities gains (losses) | $130,000 | 541 |
| Applicable income taxes | $-11,621,000 | 8,512 |
| Income before extraordinary items | $-18,600,000 | 8,502 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-18,600,000 | 8,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,182,000 | 102 |
| Cash dividends | $2,338,000 | 1,443 |
| Sale, conversion, retirement of capital stock, net | $333,000 | 617 |
| Net operating income | $-18,683,200 | 8,499 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,083,000 | 1,536 |
| Total interest expense | $11,926,000 | 1,256 |
| Net interest income | $9,157,000 | 1,857 |
| Provision for loan and lease losses | $25,695,000 | 89 |
| Total noninterest income | $367,000 | 5,095 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $95,000 | 5,711 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $272,000 | 3,935 |
| Total noninterest expense | $8,214,000 | 1,676 |
| Salaries and employee benefits | $4,023,000 | 1,868 |
| Premises and equipment expense | $1,515,000 | 1,305 |
| Additional noninterest expense | $2,676,000 | 1,512 |
| Pre-tax net operating income | $-24,385,000 | 8,557 |
| Securities gains (losses) | $130,000 | 442 |
| Applicable income taxes | $-9,352,000 | 8,550 |
| Income before extraordinary items | $-14,903,000 | 8,547 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-14,903,000 | 8,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,091,000 | 95 |
| Cash dividends | $2,338,000 | 1,082 |
| Sale, conversion, retirement of capital stock, net | $309,000 | 500 |
| Net operating income | $-14,986,200 | 8,544 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,124,000 | 1,437 |
| Total interest expense | $7,923,000 | 1,261 |
| Net interest income | $7,201,000 | 1,602 |
| Provision for loan and lease losses | $4,418,000 | 183 |
| Total noninterest income | $189,000 | 5,697 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $51,000 | 6,069 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $138,000 | 4,484 |
| Total noninterest expense | $5,038,000 | 1,829 |
| Salaries and employee benefits | $2,604,000 | 1,957 |
| Premises and equipment expense | $957,000 | 1,390 |
| Additional noninterest expense | $1,477,000 | 1,833 |
| Pre-tax net operating income | $-2,066,000 | 8,555 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-788,000 | 8,572 |
| Income before extraordinary items | $-1,278,000 | 8,525 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,278,000 | 8,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,395 |
| Cash dividends | $2,338,000 | 771 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 550 |
| Net operating income | $-1,278,000 | 8,514 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,801,000 | 1,378 |
| Total interest expense | $3,956,000 | 1,245 |
| Net interest income | $3,845,000 | 1,485 |
| Provision for loan and lease losses | $750,000 | 360 |
| Total noninterest income | $108,000 | 5,373 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $19,000 | 6,411 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $89,000 | 3,989 |
| Total noninterest expense | $2,295,000 | 2,017 |
| Salaries and employee benefits | $1,167,000 | 2,207 |
| Premises and equipment expense | $424,000 | 1,579 |
| Additional noninterest expense | $704,000 | 1,894 |
| Pre-tax net operating income | $908,000 | 2,329 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $348,000 | 1,679 |
| Income before extraordinary items | $560,000 | 2,784 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $560,000 | 2,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $94,000 | 364 |
| Net operating income | $560,000 | 2,774 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,466,000 | 1,726 |
| Total interest expense | $11,066,000 | 1,525 |
| Net interest income | $12,400,000 | 1,863 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $196,000 | 6,950 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $64,000 | 6,666 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $132,000 | 5,861 |
| Total noninterest expense | $5,214,000 | 3,238 |
| Salaries and employee benefits | $3,086,000 | 3,055 |
| Premises and equipment expense | $922,000 | 2,664 |
| Additional noninterest expense | $1,206,000 | 3,916 |
| Pre-tax net operating income | $7,382,000 | 1,338 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,835,000 | 987 |
| Income before extraordinary items | $4,547,000 | 1,593 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,547,000 | 1,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,358 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 1,066 |
| Net operating income | $4,547,000 | 1,575 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $15,524,000 | 1,924 |
| Total interest expense | $7,181,000 | 1,702 |
| Net interest income | $8,343,000 | 2,106 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $150,000 | 6,960 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $41,000 | 6,910 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $109,000 | 5,686 |
| Total noninterest expense | $3,445,000 | 3,577 |
| Salaries and employee benefits | $2,009,000 | 3,436 |
| Premises and equipment expense | $663,000 | 2,771 |
| Additional noninterest expense | $773,000 | 4,385 |
| Pre-tax net operating income | $5,048,000 | 1,496 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,943,000 | 1,118 |
| Income before extraordinary items | $3,105,000 | 1,779 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,105,000 | 1,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,992 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 920 |
| Net operating income | $3,105,000 | 1,762 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,515,000 | 2,500 |
| Total interest expense | $3,295,000 | 2,258 |
| Net interest income | $4,220,000 | 2,680 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $75,000 | 7,410 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $20,000 | 7,168 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $55,000 | 6,230 |
| Total noninterest expense | $1,705,000 | 4,489 |
| Salaries and employee benefits | $996,000 | 4,275 |
| Premises and equipment expense | $335,000 | 3,448 |
| Additional noninterest expense | $374,000 | 5,441 |
| Pre-tax net operating income | $2,590,000 | 1,896 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $982,000 | 1,422 |
| Income before extraordinary items | $1,608,000 | 2,216 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,608,000 | 2,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,608,000 | 2,203 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,016,000 | 1,345 |
| Total interest expense | $2,937,000 | 1,273 |
| Net interest income | $4,079,000 | 1,409 |
| Provision for loan and lease losses | $230,000 | 1,009 |
| Total noninterest income | $55,000 | 6,782 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $20,000 | 6,506 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $35,000 | 5,807 |
| Total noninterest expense | $1,461,000 | 2,949 |
| Salaries and employee benefits | $777,000 | 3,051 |
| Premises and equipment expense | $297,000 | 2,120 |
| Additional noninterest expense | $387,000 | 3,215 |
| Pre-tax net operating income | $2,443,000 | 1,024 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $926,000 | 840 |
| Income before extraordinary items | $1,517,000 | 1,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,517,000 | 1,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,001 |
| Cash dividends | $690,000 | 1,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,517,000 | 1,205 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $23,424,000 | 1,425 |
| Total interest expense | $8,781,000 | 1,293 |
| Net interest income | $14,643,000 | 1,500 |
| Provision for loan and lease losses | $939,000 | 1,113 |
| Total noninterest income | $420,000 | 5,619 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $70,000 | 6,747 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $350,000 | 4,023 |
| Total noninterest expense | $5,118,000 | 3,171 |
| Salaries and employee benefits | $2,635,000 | 3,329 |
| Premises and equipment expense | $1,136,000 | 2,114 |
| Additional noninterest expense | $1,347,000 | 3,517 |
| Pre-tax net operating income | $9,006,000 | 1,072 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,440,000 | 869 |
| Income before extraordinary items | $5,566,000 | 1,288 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,566,000 | 1,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,461 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,566,000 | 1,271 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,752,000 | 1,458 |
| Total interest expense | $6,122,000 | 1,305 |
| Net interest income | $10,630,000 | 1,523 |
| Provision for loan and lease losses | $824,000 | 919 |
| Total noninterest income | $377,000 | 5,244 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $50,000 | 6,852 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $327,000 | 3,649 |
| Total noninterest expense | $3,710,000 | 3,237 |
| Salaries and employee benefits | $1,872,000 | 3,457 |
| Premises and equipment expense | $883,000 | 2,014 |
| Additional noninterest expense | $955,000 | 3,629 |
| Pre-tax net operating income | $6,473,000 | 1,106 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,480,000 | 910 |
| Income before extraordinary items | $3,993,000 | 1,350 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,993,000 | 1,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 1,809 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,993,000 | 1,328 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,614,000 | 1,484 |
| Total interest expense | $3,684,000 | 1,370 |
| Net interest income | $6,930,000 | 1,548 |
| Provision for loan and lease losses | $788,000 | 647 |
| Total noninterest income | $212,000 | 5,611 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $34,000 | 6,810 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $178,000 | 3,959 |
| Total noninterest expense | $2,388,000 | 3,315 |
| Salaries and employee benefits | $1,203,000 | 3,552 |
| Premises and equipment expense | $566,000 | 2,089 |
| Additional noninterest expense | $619,000 | 3,703 |
| Pre-tax net operating income | $3,966,000 | 1,181 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,530,000 | 937 |
| Income before extraordinary items | $2,436,000 | 1,434 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,436,000 | 1,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 1,322 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,436,000 | 1,407 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,951,000 | 1,588 |
| Total interest expense | $1,652,000 | 1,445 |
| Net interest income | $3,299,000 | 1,618 |
| Provision for loan and lease losses | $466,000 | 502 |
| Total noninterest income | $86,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $19,000 | 6,673 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $67,000 | 4,538 |
| Total noninterest expense | $1,034,000 | 3,749 |
| Salaries and employee benefits | $451,000 | 4,438 |
| Premises and equipment expense | $289,000 | 2,062 |
| Additional noninterest expense | $294,000 | 3,874 |
| Pre-tax net operating income | $1,885,000 | 1,214 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $741,000 | 963 |
| Income before extraordinary items | $1,144,000 | 1,485 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,144,000 | 1,486 |
| 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 | $1,144,000 | 1,460 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,674,000 | 1,939 |
| Total interest expense | $4,364,000 | 1,864 |
| Net interest income | $10,310,000 | 1,968 |
| Provision for loan and lease losses | $1,109,000 | 956 |
| Total noninterest income | $617,000 | 4,749 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $84,000 | 6,711 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $533,000 | 3,201 |
| Total noninterest expense | $4,694,000 | 3,305 |
| Salaries and employee benefits | $2,595,000 | 3,246 |
| Premises and equipment expense | $1,069,000 | 2,138 |
| Additional noninterest expense | $1,030,000 | 4,234 |
| Pre-tax net operating income | $5,124,000 | 1,662 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,005,000 | 1,270 |
| Income before extraordinary items | $3,119,000 | 2,010 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,119,000 | 2,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,912 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,119,000 | 1,965 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,328,000 | 2,027 |
| Total interest expense | $3,086,000 | 1,944 |
| Net interest income | $7,242,000 | 2,090 |
| Provision for loan and lease losses | $734,000 | 1,035 |
| Total noninterest income | $404,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $56,000 | 6,905 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $348,000 | 3,445 |
| Total noninterest expense | $3,514,000 | 3,292 |
| Salaries and employee benefits | $2,036,000 | 3,081 |
| Premises and equipment expense | $773,000 | 2,220 |
| Additional noninterest expense | $705,000 | 4,494 |
| Pre-tax net operating income | $3,398,000 | 1,851 |
| Securities gains (losses) | $10,000 | 2,712 |
| Applicable income taxes | $1,318,000 | 1,438 |
| Income before extraordinary items | $2,090,000 | 2,230 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,090,000 | 2,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,697 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,083,600 | 2,180 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,574,000 | 2,131 |
| Total interest expense | $1,945,000 | 2,026 |
| Net interest income | $4,629,000 | 2,158 |
| Provision for loan and lease losses | $511,000 | 963 |
| Total noninterest income | $245,000 | 5,343 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $40,000 | 6,850 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $205,000 | 3,684 |
| Total noninterest expense | $2,478,000 | 3,126 |
| Salaries and employee benefits | $1,428,000 | 2,964 |
| Premises and equipment expense | $488,000 | 2,339 |
| Additional noninterest expense | $562,000 | 3,942 |
| Pre-tax net operating income | $1,885,000 | 2,150 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $710,000 | 1,690 |
| Income before extraordinary items | $1,178,000 | 2,566 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,178,000 | 2,567 |
| 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 | $1,176,080 | 2,503 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,106,000 | 2,261 |
| Total interest expense | $915,000 | 2,175 |
| Net interest income | $2,191,000 | 2,281 |
| Provision for loan and lease losses | $272,000 | 892 |
| Total noninterest income | $86,000 | 6,123 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $22,000 | 6,668 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $64,000 | 4,614 |
| Total noninterest expense | $1,303,000 | 2,982 |
| Salaries and employee benefits | $867,000 | 2,500 |
| Premises and equipment expense | $234,000 | 2,445 |
| Additional noninterest expense | $202,000 | 5,044 |
| Pre-tax net operating income | $702,000 | 2,704 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $265,000 | 2,103 |
| Income before extraordinary items | $440,000 | 3,255 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $440,000 | 3,255 |
| 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 | $438,080 | 3,153 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,035,000 | 2,814 |
| Total interest expense | $3,365,000 | 2,588 |
| Net interest income | $6,670,000 | 2,880 |
| Provision for loan and lease losses | $451,000 | 2,350 |
| Total noninterest income | $432,000 | 5,795 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $68,000 | 7,123 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $364,000 | 4,144 |
| Total noninterest expense | $4,186,000 | 3,576 |
| Salaries and employee benefits | $2,774,000 | 2,976 |
| Premises and equipment expense | $740,000 | 2,943 |
| Additional noninterest expense | $672,000 | 5,624 |
| Pre-tax net operating income | $2,465,000 | 2,922 |
| Securities gains (losses) | $30,000 | 2,926 |
| Applicable income taxes | $944,000 | 2,260 |
| Income before extraordinary items | $1,551,000 | 3,488 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,551,000 | 3,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,531,800 | 3,341 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,260,000 | 2,961 |
| Total interest expense | $2,487,000 | 2,697 |
| Net interest income | $4,773,000 | 3,029 |
| Provision for loan and lease losses | $283,000 | 2,624 |
| Total noninterest income | $351,000 | 5,651 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $49,000 | 7,238 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $302,000 | 4,033 |
| Total noninterest expense | $3,057,000 | 3,647 |
| Salaries and employee benefits | $2,018,000 | 3,069 |
| Premises and equipment expense | $508,000 | 3,180 |
| Additional noninterest expense | $531,000 | 5,441 |
| Pre-tax net operating income | $1,784,000 | 3,094 |
| Securities gains (losses) | $30,000 | 2,693 |
| Applicable income taxes | $688,000 | 2,419 |
| Income before extraordinary items | $1,126,000 | 3,670 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,126,000 | 3,670 |
| 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 | $1,106,800 | 3,547 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,670,000 | 3,079 |
| Total interest expense | $1,650,000 | 2,793 |
| Net interest income | $3,020,000 | 3,167 |
| Provision for loan and lease losses | $178,000 | 2,759 |
| Total noninterest income | $206,000 | 5,926 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $33,000 | 7,215 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $173,000 | 4,306 |
| Total noninterest expense | $1,942,000 | 3,784 |
| Salaries and employee benefits | $1,310,000 | 3,125 |
| Premises and equipment expense | $307,000 | 3,420 |
| Additional noninterest expense | $325,000 | 5,714 |
| Pre-tax net operating income | $1,106,000 | 3,273 |
| Securities gains (losses) | $30,000 | 2,360 |
| Applicable income taxes | $433,000 | 2,538 |
| Income before extraordinary items | $703,000 | 3,851 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $703,000 | 3,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,864 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $683,800 | 3,752 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,291,000 | 3,134 |
| Total interest expense | $835,000 | 2,830 |
| Net interest income | $1,456,000 | 3,257 |
| Provision for loan and lease losses | $52,000 | 3,624 |
| Total noninterest income | $106,000 | 5,763 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $92,000 | 4,085 |
| Total noninterest expense | $951,000 | 3,821 |
| Salaries and employee benefits | $643,000 | 3,171 |
| Premises and equipment expense | $146,000 | 3,559 |
| Additional noninterest expense | $162,000 | 5,685 |
| Pre-tax net operating income | $559,000 | 3,251 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $211,000 | 2,596 |
| Income before extraordinary items | $348,000 | 3,821 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $348,000 | 3,819 |
| 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 | $348,000 | 3,639 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,470,000 | 4,314 |
| Total interest expense | $2,456,000 | 4,150 |
| Net interest income | $4,014,000 | 4,338 |
| Provision for loan and lease losses | $605,000 | 2,046 |
| Total noninterest income | $253,000 | 6,826 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $28,000 | 7,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $225,000 | 4,791 |
| Total noninterest expense | $3,027,000 | 4,425 |
| Salaries and employee benefits | $1,867,000 | 3,967 |
| Premises and equipment expense | $593,000 | 3,445 |
| Additional noninterest expense | $567,000 | 6,120 |
| Pre-tax net operating income | $635,000 | 6,313 |
| Securities gains (losses) | $-3,000 | 8,756 |
| Applicable income taxes | $-482,000 | 9,239 |
| Income before extraordinary items | $1,114,000 | 4,288 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,114,000 | 4,289 |
| 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 | $0 | 862 |
| Net operating income | $1,117,000 | 4,172 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,426,000 | 6,824 |
| Total interest expense | $1,799,000 | 6,414 |
| Net interest income | $1,627,000 | 7,102 |
| Provision for loan and lease losses | $210,000 | 4,019 |
| Total noninterest income | $98,000 | 8,544 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $6,000 | 8,300 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $92,000 | 6,609 |
| Total noninterest expense | $1,979,000 | 5,770 |
| Salaries and employee benefits | $1,099,000 | 5,654 |
| Premises and equipment expense | $480,000 | 4,030 |
| Additional noninterest expense | $400,000 | 7,141 |
| Pre-tax net operating income | $-464,000 | 9,151 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-464,000 | 9,220 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-464,000 | 9,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-464,000 | 9,179 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,103,000 | 9,319 |
| Total interest expense | $567,000 | 9,115 |
| Net interest income | $536,000 | 9,399 |
| Provision for loan and lease losses | $178,000 | 4,045 |
| Total noninterest income | $4,000 | 9,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 9,744 |
| Total noninterest expense | $1,232,000 | 7,416 |
| Salaries and employee benefits | $634,000 | 7,521 |
| Premises and equipment expense | $280,000 | 5,651 |
| Additional noninterest expense | $318,000 | 7,802 |
| Pre-tax net operating income | $-870,000 | 9,688 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-870,000 | 9,702 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-870,000 | 9,701 |
| 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 | $1,805,000 | 380 |
| Net operating income | $-870,000 | 9,700 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $158,000 | 10,146 |
| Total interest expense | $49,000 | 10,105 |
| Net interest income | $109,000 | 10,144 |
| Provision for loan and lease losses | $7,000 | 8,253 |
| Total noninterest income | $0 | 10,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $428,000 | 9,802 |
| Salaries and employee benefits | $190,000 | 9,948 |
| Premises and equipment expense | $84,000 | 8,949 |
| Additional noninterest expense | $154,000 | 9,478 |
| Pre-tax net operating income | $-326,000 | 9,731 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-326,000 | 9,786 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-326,000 | 9,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $5,691,000 | 214 |
| Net operating income | $-326,000 | 9,767 |
* 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.