Home > First Georgia Community Bank > Income and Expense
First Georgia Community Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,579,000 | 2,929 |
| Total interest expense | $7,555,000 | 1,669 |
| Net interest income | $2,024,000 | 5,764 |
| Provision for loan and lease losses | $1,221,000 | 1,636 |
| Total noninterest income | $2,364,000 | 1,557 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $593,000 | 2,165 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,771,000 | 1,209 |
| Total noninterest expense | $6,197,000 | 2,310 |
| Salaries and employee benefits | $3,106,000 | 2,454 |
| Premises and equipment expense | $617,000 | 3,119 |
| Additional noninterest expense | $2,474,000 | 1,796 |
| Pre-tax net operating income | $-3,030,000 | 8,021 |
| Securities gains (losses) | $44,000 | 1,509 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-2,986,000 | 8,011 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,986,000 | 8,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,573,000 | 368 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 1,026 |
| Net operating income | $-3,030,000 | 8,074 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,839,000 | 2,787 |
| Total interest expense | $5,324,000 | 1,649 |
| Net interest income | $1,515,000 | 5,440 |
| Provision for loan and lease losses | $1,221,000 | 1,083 |
| Total noninterest income | $1,280,000 | 1,840 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $387,000 | 2,191 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $893,000 | 1,523 |
| Total noninterest expense | $4,184,000 | 2,282 |
| Salaries and employee benefits | $2,148,000 | 2,404 |
| Premises and equipment expense | $409,000 | 3,155 |
| Additional noninterest expense | $1,627,000 | 1,785 |
| Pre-tax net operating income | $-2,610,000 | 8,217 |
| Securities gains (losses) | $44,000 | 1,531 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-2,566,000 | 8,250 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,566,000 | 8,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,176,000 | 258 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 936 |
| Net operating income | $-2,610,000 | 8,248 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,936,000 | 2,509 |
| Total interest expense | $2,859,000 | 1,640 |
| Net interest income | $1,077,000 | 4,381 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $1,054,000 | 1,279 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $187,000 | 2,203 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $867,000 | 944 |
| Total noninterest expense | $2,226,000 | 2,152 |
| Salaries and employee benefits | $1,133,000 | 2,318 |
| Premises and equipment expense | $213,000 | 3,047 |
| Additional noninterest expense | $880,000 | 1,629 |
| Pre-tax net operating income | $-95,000 | 7,545 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-95,000 | 7,635 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-95,000 | 7,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,524,000 | 259 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 813 |
| Net operating income | $-95,000 | 7,592 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,568,000 | 1,876 |
| Total interest expense | $13,011,000 | 1,550 |
| Net interest income | $9,557,000 | 2,327 |
| Provision for loan and lease losses | $15,821,000 | 186 |
| Total noninterest income | $1,199,000 | 3,143 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $930,000 | 1,882 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $269,000 | 4,439 |
| Total noninterest expense | $8,434,000 | 2,177 |
| Salaries and employee benefits | $3,939,000 | 2,513 |
| Premises and equipment expense | $843,000 | 2,956 |
| Additional noninterest expense | $3,652,000 | 1,514 |
| Pre-tax net operating income | $-13,499,000 | 8,493 |
| Securities gains (losses) | $3,000 | 1,730 |
| Applicable income taxes | $-1,519,000 | 8,444 |
| Income before extraordinary items | $-11,977,000 | 8,493 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-11,977,000 | 8,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,845,000 | 653 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 1,091 |
| Net operating income | $-11,979,670 | 8,490 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,817,000 | 1,797 |
| Total interest expense | $9,820,000 | 1,534 |
| Net interest income | $7,997,000 | 2,133 |
| Provision for loan and lease losses | $1,325,000 | 709 |
| Total noninterest income | $901,000 | 3,130 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $698,000 | 1,863 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $203,000 | 4,461 |
| Total noninterest expense | $5,952,000 | 2,282 |
| Salaries and employee benefits | $3,104,000 | 2,423 |
| Premises and equipment expense | $623,000 | 2,980 |
| Additional noninterest expense | $2,225,000 | 1,813 |
| Pre-tax net operating income | $1,621,000 | 3,295 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $525,000 | 2,472 |
| Income before extraordinary items | $1,096,000 | 3,672 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,096,000 | 3,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $926,000 | 684 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 972 |
| Net operating income | $1,096,000 | 3,654 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,115,000 | 1,786 |
| Total interest expense | $6,511,000 | 1,540 |
| Net interest income | $5,604,000 | 2,074 |
| Provision for loan and lease losses | $255,000 | 1,760 |
| Total noninterest income | $558,000 | 3,320 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $469,000 | 1,854 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $89,000 | 5,328 |
| Total noninterest expense | $3,770,000 | 2,422 |
| Salaries and employee benefits | $2,030,000 | 2,503 |
| Premises and equipment expense | $406,000 | 3,063 |
| Additional noninterest expense | $1,334,000 | 2,019 |
| Pre-tax net operating income | $2,137,000 | 2,043 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $753,000 | 1,561 |
| Income before extraordinary items | $1,384,000 | 2,353 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,384,000 | 2,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $715,000 | 560 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 897 |
| Net operating income | $1,384,000 | 2,334 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,044,000 | 1,784 |
| Total interest expense | $3,197,000 | 1,550 |
| Net interest income | $2,847,000 | 2,047 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $277,000 | 3,294 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $230,000 | 1,838 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $47,000 | 5,236 |
| Total noninterest expense | $1,800,000 | 2,544 |
| Salaries and employee benefits | $1,019,000 | 2,510 |
| Premises and equipment expense | $206,000 | 3,033 |
| Additional noninterest expense | $575,000 | 2,270 |
| Pre-tax net operating income | $1,324,000 | 1,718 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $476,000 | 1,331 |
| Income before extraordinary items | $848,000 | 1,961 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $848,000 | 1,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,851 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 756 |
| Net operating income | $848,000 | 1,952 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $21,415,000 | 1,880 |
| Total interest expense | $9,705,000 | 1,732 |
| Net interest income | $11,710,000 | 1,984 |
| Provision for loan and lease losses | $621,000 | 1,562 |
| Total noninterest income | $1,055,000 | 3,420 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $891,000 | 1,930 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $164,000 | 5,462 |
| Total noninterest expense | $6,923,000 | 2,544 |
| Salaries and employee benefits | $3,759,000 | 2,579 |
| Premises and equipment expense | $781,000 | 3,066 |
| Additional noninterest expense | $2,383,000 | 2,192 |
| Pre-tax net operating income | $5,221,000 | 1,813 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,863,000 | 1,410 |
| Income before extraordinary items | $3,358,000 | 2,082 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,358,000 | 2,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,364 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 1,080 |
| Net operating income | $3,358,000 | 2,070 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $15,332,000 | 1,939 |
| Total interest expense | $6,592,000 | 1,839 |
| Net interest income | $8,740,000 | 2,008 |
| Provision for loan and lease losses | $621,000 | 1,177 |
| Total noninterest income | $750,000 | 3,546 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $624,000 | 2,045 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $126,000 | 5,445 |
| Total noninterest expense | $5,004,000 | 2,622 |
| Salaries and employee benefits | $2,757,000 | 2,634 |
| Premises and equipment expense | $586,000 | 3,070 |
| Additional noninterest expense | $1,661,000 | 2,333 |
| Pre-tax net operating income | $3,865,000 | 1,906 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,382,000 | 1,480 |
| Income before extraordinary items | $2,483,000 | 2,160 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,483,000 | 2,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 8,265 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,483,000 | 2,147 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,665,000 | 1,990 |
| Total interest expense | $3,929,000 | 1,940 |
| Net interest income | $5,736,000 | 2,040 |
| Provision for loan and lease losses | $156,000 | 2,517 |
| Total noninterest income | $473,000 | 3,650 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $397,000 | 2,118 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $76,000 | 5,653 |
| Total noninterest expense | $3,266,000 | 2,694 |
| Salaries and employee benefits | $1,763,000 | 2,727 |
| Premises and equipment expense | $385,000 | 3,097 |
| Additional noninterest expense | $1,118,000 | 2,318 |
| Pre-tax net operating income | $2,787,000 | 1,782 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,002,000 | 1,400 |
| Income before extraordinary items | $1,785,000 | 2,023 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,785,000 | 2,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,282 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,785,000 | 2,011 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,590,000 | 2,049 |
| Total interest expense | $1,853,000 | 1,953 |
| Net interest income | $2,737,000 | 2,123 |
| Provision for loan and lease losses | $6,000 | 5,562 |
| Total noninterest income | $230,000 | 3,664 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $185,000 | 2,178 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,314 |
| Total noninterest expense | $1,538,000 | 2,818 |
| Salaries and employee benefits | $805,000 | 2,955 |
| Premises and equipment expense | $190,000 | 3,138 |
| Additional noninterest expense | $543,000 | 2,365 |
| Pre-tax net operating income | $1,423,000 | 1,702 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $513,000 | 1,371 |
| Income before extraordinary items | $910,000 | 1,954 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $910,000 | 1,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,977 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $910,000 | 1,933 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,321,000 | 2,047 |
| Total interest expense | $6,206,000 | 1,827 |
| Net interest income | $10,115,000 | 2,193 |
| Provision for loan and lease losses | $-1,000 | 8,464 |
| Total noninterest income | $887,000 | 3,835 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $747,000 | 2,229 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $140,000 | 5,848 |
| Total noninterest expense | $6,537,000 | 2,538 |
| Salaries and employee benefits | $3,453,000 | 2,631 |
| Premises and equipment expense | $770,000 | 2,999 |
| Additional noninterest expense | $2,314,000 | 2,161 |
| Pre-tax net operating income | $4,466,000 | 2,040 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $1,552,000 | 1,666 |
| Income before extraordinary items | $2,918,000 | 2,307 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,918,000 | 2,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-319,000 | 8,756 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,915,400 | 2,273 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,740,000 | 2,078 |
| Total interest expense | $4,310,000 | 1,851 |
| Net interest income | $7,430,000 | 2,213 |
| Provision for loan and lease losses | $-31,000 | 8,635 |
| Total noninterest income | $690,000 | 3,760 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $506,000 | 2,428 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $184,000 | 4,793 |
| Total noninterest expense | $5,107,000 | 2,428 |
| Salaries and employee benefits | $2,838,000 | 2,379 |
| Premises and equipment expense | $531,000 | 3,187 |
| Additional noninterest expense | $1,738,000 | 2,138 |
| Pre-tax net operating income | $3,044,000 | 2,205 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $1,055,000 | 1,807 |
| Income before extraordinary items | $1,993,000 | 2,495 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,993,000 | 2,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-311,000 | 8,786 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,990,400 | 2,465 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,332,000 | 2,149 |
| Total interest expense | $2,603,000 | 1,915 |
| Net interest income | $4,729,000 | 2,296 |
| Provision for loan and lease losses | $-178,000 | 8,761 |
| Total noninterest income | $429,000 | 3,874 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $305,000 | 2,586 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $124,000 | 4,729 |
| Total noninterest expense | $3,369,000 | 2,428 |
| Salaries and employee benefits | $1,838,000 | 2,422 |
| Premises and equipment expense | $347,000 | 3,221 |
| Additional noninterest expense | $1,184,000 | 2,075 |
| Pre-tax net operating income | $1,967,000 | 2,219 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $680,000 | 1,824 |
| Income before extraordinary items | $1,291,000 | 2,502 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,291,000 | 2,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-302,000 | 8,800 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,288,400 | 2,465 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,230,000 | 2,385 |
| Total interest expense | $1,152,000 | 2,049 |
| Net interest income | $2,078,000 | 2,571 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $196,000 | 4,019 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $138,000 | 2,721 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $58,000 | 4,849 |
| Total noninterest expense | $1,551,000 | 2,620 |
| Salaries and employee benefits | $884,000 | 2,532 |
| Premises and equipment expense | $165,000 | 3,381 |
| Additional noninterest expense | $502,000 | 2,429 |
| Pre-tax net operating income | $673,000 | 2,947 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $220,000 | 2,449 |
| Income before extraordinary items | $453,000 | 3,291 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $453,000 | 3,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,610 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $453,000 | 3,253 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,934,000 | 2,850 |
| Total interest expense | $3,564,000 | 2,268 |
| Net interest income | $6,370,000 | 3,129 |
| Provision for loan and lease losses | $170,000 | 4,037 |
| Total noninterest income | $1,059,000 | 3,402 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $684,000 | 2,424 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $375,000 | 3,827 |
| Total noninterest expense | $5,207,000 | 2,998 |
| Salaries and employee benefits | $2,748,000 | 3,083 |
| Premises and equipment expense | $557,000 | 3,762 |
| Additional noninterest expense | $1,902,000 | 2,531 |
| Pre-tax net operating income | $2,052,000 | 3,443 |
| Securities gains (losses) | $33,000 | 2,039 |
| Applicable income taxes | $623,000 | 2,973 |
| Income before extraordinary items | $1,462,000 | 3,696 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,462,000 | 3,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,407 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,438,900 | 3,679 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,768,000 | 3,072 |
| Total interest expense | $2,516,000 | 2,349 |
| Net interest income | $4,252,000 | 3,423 |
| Provision for loan and lease losses | $110,000 | 4,124 |
| Total noninterest income | $781,000 | 3,463 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $517,000 | 2,428 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $264,000 | 3,968 |
| Total noninterest expense | $3,683,000 | 3,140 |
| Salaries and employee benefits | $1,946,000 | 3,213 |
| Premises and equipment expense | $390,000 | 3,952 |
| Additional noninterest expense | $1,347,000 | 2,625 |
| Pre-tax net operating income | $1,240,000 | 4,080 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $381,000 | 3,388 |
| Income before extraordinary items | $859,000 | 4,407 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $859,000 | 4,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,071 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $859,000 | 4,331 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,163,000 | 3,285 |
| Total interest expense | $1,574,000 | 2,464 |
| Net interest income | $2,589,000 | 3,671 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $463,000 | 3,747 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $335,000 | 2,483 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $128,000 | 4,639 |
| Total noninterest expense | $2,359,000 | 3,273 |
| Salaries and employee benefits | $1,251,000 | 3,330 |
| Premises and equipment expense | $240,000 | 4,198 |
| Additional noninterest expense | $868,000 | 2,709 |
| Pre-tax net operating income | $663,000 | 4,582 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $216,000 | 3,626 |
| Income before extraordinary items | $447,000 | 5,019 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $447,000 | 5,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,198 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $447,000 | 4,930 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,960,000 | 3,446 |
| Total interest expense | $773,000 | 2,531 |
| Net interest income | $1,187,000 | 3,929 |
| Provision for loan and lease losses | $184,000 | 1,238 |
| Total noninterest income | $224,000 | 3,773 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $157,000 | 2,581 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $67,000 | 4,532 |
| Total noninterest expense | $1,081,000 | 3,538 |
| Salaries and employee benefits | $566,000 | 3,632 |
| Premises and equipment expense | $119,000 | 4,271 |
| Additional noninterest expense | $396,000 | 2,944 |
| Pre-tax net operating income | $146,000 | 6,492 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $109,000 | 3,644 |
| Income before extraordinary items | $37,000 | 8,024 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $37,000 | 8,025 |
| 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 | $37,000 | 7,962 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,403,000 | 3,297 |
| Total interest expense | $3,504,000 | 2,497 |
| Net interest income | $4,899,000 | 3,733 |
| Provision for loan and lease losses | $270,000 | 3,394 |
| Total noninterest income | $417,000 | 5,887 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $598,000 | 2,694 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-181,000 | 9,173 |
| Total noninterest expense | $3,974,000 | 3,737 |
| Salaries and employee benefits | $1,841,000 | 4,191 |
| Premises and equipment expense | $425,000 | 4,531 |
| Additional noninterest expense | $1,708,000 | 2,747 |
| Pre-tax net operating income | $1,072,000 | 4,987 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $305,000 | 4,258 |
| Income before extraordinary items | $767,000 | 5,340 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $767,000 | 5,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,026,000 | 907 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $767,000 | 5,194 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,358,000 | 3,310 |
| Total interest expense | $2,730,000 | 2,510 |
| Net interest income | $3,628,000 | 3,797 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $570,000 | 4,386 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $467,000 | 2,628 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $103,000 | 6,018 |
| Total noninterest expense | $3,098,000 | 3,601 |
| Salaries and employee benefits | $1,375,000 | 4,197 |
| Premises and equipment expense | $327,000 | 4,467 |
| Additional noninterest expense | $1,396,000 | 2,554 |
| Pre-tax net operating income | $830,000 | 5,033 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $264,000 | 4,169 |
| Income before extraordinary items | $566,000 | 5,555 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $566,000 | 5,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,028,000 | 688 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $566,000 | 5,368 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,215,000 | 3,350 |
| Total interest expense | $1,889,000 | 2,508 |
| Net interest income | $2,326,000 | 3,923 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $409,000 | 4,189 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $289,000 | 2,734 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $120,000 | 4,988 |
| Total noninterest expense | $2,014,000 | 3,675 |
| Salaries and employee benefits | $901,000 | 4,254 |
| Premises and equipment expense | $205,000 | 4,630 |
| Additional noninterest expense | $908,000 | 2,600 |
| Pre-tax net operating income | $451,000 | 5,570 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $138,000 | 4,635 |
| Income before extraordinary items | $313,000 | 6,006 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $313,000 | 6,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,019,000 | 518 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $313,000 | 5,804 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,037,000 | 3,472 |
| Total interest expense | $942,000 | 2,562 |
| Net interest income | $1,095,000 | 4,111 |
| Provision for loan and lease losses | $270,000 | 1,039 |
| Total noninterest income | $250,000 | 3,643 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $91,000 | 3,771 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $159,000 | 3,109 |
| Total noninterest expense | $901,000 | 3,982 |
| Salaries and employee benefits | $432,000 | 4,377 |
| Premises and equipment expense | $95,000 | 4,865 |
| Additional noninterest expense | $374,000 | 3,023 |
| Pre-tax net operating income | $174,000 | 6,173 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $57,000 | 4,911 |
| Income before extraordinary items | $117,000 | 6,600 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $117,000 | 6,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $974,000 | 330 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $117,000 | 6,432 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,572,000 | 3,439 |
| Total interest expense | $3,870,000 | 2,826 |
| Net interest income | $4,702,000 | 3,844 |
| Provision for loan and lease losses | $1,894,000 | 782 |
| Total noninterest income | $619,000 | 4,645 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $380,000 | 3,647 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $239,000 | 4,685 |
| Total noninterest expense | $3,150,000 | 4,303 |
| Salaries and employee benefits | $1,429,000 | 4,864 |
| Premises and equipment expense | $339,000 | 5,190 |
| Additional noninterest expense | $1,382,000 | 3,178 |
| Pre-tax net operating income | $277,000 | 7,638 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $7,000 | 7,388 |
| Income before extraordinary items | $270,000 | 7,472 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $270,000 | 7,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $444,000 | 1,811 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $270,000 | 7,377 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,397,000 | 3,860 |
| Total interest expense | $4,506,000 | 3,446 |
| Net interest income | $3,891,000 | 4,212 |
| Provision for loan and lease losses | $393,000 | 2,658 |
| Total noninterest income | $559,000 | 4,767 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $327,000 | 3,946 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $232,000 | 4,627 |
| Total noninterest expense | $2,602,000 | 4,827 |
| Salaries and employee benefits | $1,311,000 | 4,996 |
| Premises and equipment expense | $311,000 | 5,411 |
| Additional noninterest expense | $980,000 | 4,131 |
| Pre-tax net operating income | $1,455,000 | 3,936 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $484,000 | 3,374 |
| Income before extraordinary items | $971,000 | 4,354 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $971,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,017 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $971,000 | 4,239 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,138,000 | 4,998 |
| Total interest expense | $3,110,000 | 4,783 |
| Net interest income | $3,028,000 | 5,124 |
| Provision for loan and lease losses | $336,000 | 2,647 |
| Total noninterest income | $448,000 | 5,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,518 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 4,838 |
| Total noninterest expense | $2,031,000 | 5,626 |
| Salaries and employee benefits | $936,000 | 6,175 |
| Premises and equipment expense | $247,000 | 6,097 |
| Additional noninterest expense | $848,000 | 4,540 |
| Pre-tax net operating income | $1,109,000 | 4,971 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $315,000 | 4,493 |
| Income before extraordinary items | $794,000 | 5,067 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $794,000 | 5,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,174 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $794,000 | 5,060 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,614,000 | 6,715 |
| Total interest expense | $1,669,000 | 6,597 |
| Net interest income | $1,945,000 | 6,744 |
| Provision for loan and lease losses | $197,000 | 3,601 |
| Total noninterest income | $258,000 | 6,862 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 5,507 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 6,986 |
| Total noninterest expense | $1,523,000 | 6,713 |
| Salaries and employee benefits | $730,000 | 7,081 |
| Premises and equipment expense | $228,000 | 6,385 |
| Additional noninterest expense | $565,000 | 6,057 |
| Pre-tax net operating income | $483,000 | 7,221 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $483,000 | 6,533 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $483,000 | 6,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,730 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $483,000 | 6,516 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,071,000 | 8,600 |
| Total interest expense | $779,000 | 8,991 |
| Net interest income | $1,292,000 | 8,144 |
| Provision for loan and lease losses | $385,000 | 2,131 |
| Total noninterest income | $193,000 | 7,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,481 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,363 |
| Total noninterest expense | $1,311,000 | 7,217 |
| Salaries and employee benefits | $633,000 | 7,572 |
| Premises and equipment expense | $190,000 | 6,867 |
| Additional noninterest expense | $488,000 | 6,526 |
| Pre-tax net operating income | $-211,000 | 10,001 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,000 | 9,272 |
| Income before extraordinary items | $-213,000 | 10,059 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-213,000 | 10,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,135 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-213,000 | 10,030 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $334,000 | 10,785 |
| Total interest expense | $46,000 | 10,832 |
| Net interest income | $288,000 | 10,693 |
| Provision for loan and lease losses | $72,000 | 5,860 |
| Total noninterest income | $31,000 | 10,561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 9,149 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 10,305 |
| Total noninterest expense | $600,000 | 9,748 |
| Salaries and employee benefits | $346,000 | 9,628 |
| Premises and equipment expense | $56,000 | 10,051 |
| Additional noninterest expense | $198,000 | 9,434 |
| Pre-tax net operating income | $-353,000 | 10,667 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-353,000 | 10,701 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-353,000 | 10,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $6,500,000 | 147 |
| Net operating income | $-353,000 | 10,681 |
* 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.