Home > First Louisiana Bank > Income and Expense

First Louisiana Bank, Income and Expense

2009-12-31 (YTD Data)		Rank
Total interest income	$2,017,000	7,046
Total interest expense	$213,000	7,750
Net interest income	$1,804,000	6,560
Provision for loan and lease losses	$0	7,427
Total noninterest income	$532,000	4,622
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$264,000	4,129
Trading account gains and fees	$0	211
Additional Noninterest Income	$268,000	4,164
Total noninterest expense	$1,677,000	6,571
Salaries and employee benefits	$842,000	6,608
Premises and equipment expense	$201,000	6,476
Additional noninterest expense	$634,000	6,342
Pre-tax net operating income	$659,000	3,639
Securities gains (losses)	$-22,000	7,073
Applicable income taxes	$-207,000	6,773
Income before extraordinary items	$844,000	3,055
Extraordinary gains, net	$0	34
Net income	$844,000	3,054
Minority interest net income	$0	115
Net income of bank and minority interests.	$844,000	3,054
Net charge-offs	$0	7,246
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$148,000	788
Net operating income	$866,000	2,949
2009-09-30 (YTD Data)		Rank
Total interest income	$5,542,000	4,086
Total interest expense	$884,000	5,831
Net interest income	$4,658,000	3,364
Provision for loan and lease losses	$1,221,000	2,497
Total noninterest income	$497,000	4,237
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$851,000	1,507
Trading account gains and fees	$0	212
Additional Noninterest Income	$-354,000	7,926
Total noninterest expense	$4,823,000	3,014
Salaries and employee benefits	$2,896,000	2,545
Premises and equipment expense	$597,000	3,174
Additional noninterest expense	$1,330,000	3,593
Pre-tax net operating income	$-889,000	6,596
Securities gains (losses)	$-55,000	7,392
Applicable income taxes	$40,000	3,445
Income before extraordinary items	$-984,000	6,740
Extraordinary gains, net	$0	27
Net income	$-984,000	6,741
Minority interest net income	$0	118
Net income of bank and minority interests.	$-984,000	6,741
Net charge-offs	$327,000	3,597
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-929,000	6,712
2009-06-30 (YTD Data)		Rank
Total interest income	$3,708,000	4,114
Total interest expense	$638,000	5,791
Net interest income	$3,070,000	3,393
Provision for loan and lease losses	$415,000	3,222
Total noninterest income	$690,000	2,772
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$583,000	1,453
Trading account gains and fees	$0	193
Additional Noninterest Income	$107,000	4,677
Total noninterest expense	$2,634,000	3,569
Salaries and employee benefits	$1,388,000	3,460
Premises and equipment expense	$393,000	3,228
Additional noninterest expense	$853,000	3,702
Pre-tax net operating income	$711,000	2,734
Securities gains (losses)	$-40,000	7,580
Applicable income taxes	$225,000	1,837
Income before extraordinary items	$446,000	3,301
Extraordinary gains, net	$0	21
Net income	$446,000	3,296
Minority interest net income	$0	112
Net income of bank and minority interests.	$446,000	3,299
Net charge-offs	$209,000	3,373
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$472,400	3,086
2009-03-31 (YTD Data)		Rank
Total interest income	$1,824,000	4,197
Total interest expense	$360,000	5,613
Net interest income	$1,464,000	3,521
Provision for loan and lease losses	$215,000	2,756
Total noninterest income	$345,000	2,756
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$293,000	1,410
Trading account gains and fees	$0	171
Additional Noninterest Income	$52,000	4,774
Total noninterest expense	$1,266,000	3,617
Salaries and employee benefits	$689,000	3,519
Premises and equipment expense	$197,000	3,262
Additional noninterest expense	$380,000	3,734
Pre-tax net operating income	$328,000	3,201
Securities gains (losses)	$0	2,434
Applicable income taxes	$142,000	1,798
Income before extraordinary items	$186,000	3,980
Extraordinary gains, net	$0	15
Net income	$186,000	3,982
Minority interest net income	$0	102
Net income of bank and minority interests.	$186,000	3,982
Net charge-offs	$213,000	2,082
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$186,000	3,829
2008-12-31 (YTD Data)		Rank
Total interest income	$8,009,000	4,125
Total interest expense	$2,361,000	4,888
Net interest income	$5,648,000	3,632
Provision for loan and lease losses	$680,000	3,289
Total noninterest income	$1,306,000	2,888
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,111,000	1,603
Trading account gains and fees	$0	154
Additional Noninterest Income	$195,000	4,873
Total noninterest expense	$4,946,000	3,596
Salaries and employee benefits	$2,626,000	3,630
Premises and equipment expense	$802,000	3,179
Additional noninterest expense	$1,518,000	3,586
Pre-tax net operating income	$1,328,000	3,229
Securities gains (losses)	$0	3,220
Applicable income taxes	$354,000	2,212
Income before extraordinary items	$974,000	3,336
Extraordinary gains, net	$0	39
Net income	$974,000	3,336
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$538,000	2,700
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$974,000	3,479
2008-09-30 (YTD Data)		Rank
Total interest income	$6,035,000	4,181
Total interest expense	$1,836,000	4,921
Net interest income	$4,199,000	3,680
Provision for loan and lease losses	$380,000	3,152
Total noninterest income	$1,028,000	2,856
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$842,000	1,593
Trading account gains and fees	$0	148
Additional Noninterest Income	$186,000	4,563
Total noninterest expense	$3,687,000	3,609
Salaries and employee benefits	$1,962,000	3,672
Premises and equipment expense	$588,000	3,243
Additional noninterest expense	$1,137,000	3,520
Pre-tax net operating income	$1,160,000	3,385
Securities gains (losses)	$0	3,106
Applicable income taxes	$316,000	2,405
Income before extraordinary items	$844,000	3,458
Extraordinary gains, net	$0	31
Net income	$844,000	3,458
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$357,000	2,350
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$844,000	3,593
2008-06-30 (YTD Data)		Rank
Total interest income	$3,972,000	4,271
Total interest expense	$1,249,000	5,010
Net interest income	$2,723,000	3,751
Provision for loan and lease losses	$260,000	2,752
Total noninterest income	$650,000	2,976
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$534,000	1,653
Trading account gains and fees	$0	149
Additional Noninterest Income	$116,000	4,793
Total noninterest expense	$2,446,000	3,631
Salaries and employee benefits	$1,292,000	3,747
Premises and equipment expense	$383,000	3,321
Additional noninterest expense	$771,000	3,452
Pre-tax net operating income	$667,000	3,787
Securities gains (losses)	$0	3,233
Applicable income taxes	$176,000	2,836
Income before extraordinary items	$491,000	4,065
Extraordinary gains, net	$0	21
Net income	$491,000	4,066
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$312,000	1,760
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$491,000	4,007
2008-03-31 (YTD Data)		Rank
Total interest income	$2,013,000	4,295
Total interest expense	$651,000	5,070
Net interest income	$1,362,000	3,733
Provision for loan and lease losses	$140,000	2,266
Total noninterest income	$321,000	2,991
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$269,000	1,616
Trading account gains and fees	$0	158
Additional Noninterest Income	$52,000	4,970
Total noninterest expense	$1,190,000	3,722
Salaries and employee benefits	$640,000	3,786
Premises and equipment expense	$181,000	3,483
Additional noninterest expense	$369,000	3,522
Pre-tax net operating income	$353,000	3,803
Securities gains (losses)	$0	2,688
Applicable income taxes	$101,000	2,793
Income before extraordinary items	$252,000	4,189
Extraordinary gains, net	$0	15
Net income	$252,000	4,191
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	3,915
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$252,000	4,091
2007-12-31 (YTD Data)		Rank
Total interest income	$8,320,000	4,260
Total interest expense	$2,849,000	4,932
Net interest income	$5,471,000	3,748
Provision for loan and lease losses	$703,000	1,841
Total noninterest income	$1,178,000	3,182
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$972,000	1,814
Trading account gains and fees	$0	178
Additional Noninterest Income	$206,000	5,003
Total noninterest expense	$4,491,000	3,761
Salaries and employee benefits	$2,380,000	3,865
Premises and equipment expense	$724,000	3,349
Additional noninterest expense	$1,387,000	3,645
Pre-tax net operating income	$1,455,000	3,966
Securities gains (losses)	$0	2,146
Applicable income taxes	$407,000	3,005
Income before extraordinary items	$1,048,000	4,207
Extraordinary gains, net	$0	39
Net income	$1,048,000	4,209
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$870,000	1,142
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,048,000	4,195
2007-09-30 (YTD Data)		Rank
Total interest income	$6,178,000	4,308
Total interest expense	$2,051,000	5,042
Net interest income	$4,127,000	3,751
Provision for loan and lease losses	$583,000	1,375
Total noninterest income	$873,000	3,198
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$720,000	1,808
Trading account gains and fees	$0	184
Additional Noninterest Income	$153,000	5,051
Total noninterest expense	$3,344,000	3,773
Salaries and employee benefits	$1,772,000	3,872
Premises and equipment expense	$552,000	3,287
Additional noninterest expense	$1,020,000	3,645
Pre-tax net operating income	$1,073,000	4,202
Securities gains (losses)	$0	1,655
Applicable income taxes	$260,000	3,384
Income before extraordinary items	$813,000	4,318
Extraordinary gains, net	$0	33
Net income	$813,000	4,318
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$729,000	819
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$813,000	4,305
2007-06-30 (YTD Data)		Rank
Total interest income	$3,997,000	4,398
Total interest expense	$1,283,000	5,228
Net interest income	$2,714,000	3,804
Provision for loan and lease losses	$335,000	1,417
Total noninterest income	$587,000	3,196
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$481,000	1,809
Trading account gains and fees	$0	168
Additional Noninterest Income	$106,000	5,014
Total noninterest expense	$2,186,000	3,855
Salaries and employee benefits	$1,186,000	3,889
Premises and equipment expense	$370,000	3,289
Additional noninterest expense	$630,000	3,875
Pre-tax net operating income	$780,000	4,074
Securities gains (losses)	$0	1,444
Applicable income taxes	$200,000	3,271
Income before extraordinary items	$580,000	4,233
Extraordinary gains, net	$0	29
Net income	$580,000	4,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$534,000	684
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$580,000	4,221
2007-03-31 (YTD Data)		Rank
Total interest income	$1,945,000	4,471
Total interest expense	$614,000	5,319
Net interest income	$1,331,000	3,855
Provision for loan and lease losses	$150,000	1,427
Total noninterest income	$309,000	3,052
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$253,000	1,701
Trading account gains and fees	$0	195
Additional Noninterest Income	$56,000	4,901
Total noninterest expense	$1,090,000	3,860
Salaries and employee benefits	$592,000	3,928
Premises and equipment expense	$184,000	3,333
Additional noninterest expense	$314,000	3,835
Pre-tax net operating income	$400,000	3,995
Securities gains (losses)	$0	1,187
Applicable income taxes	$100,000	3,266
Income before extraordinary items	$300,000	4,166
Extraordinary gains, net	$0	22
Net income	$300,000	4,167
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	2,284
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$300,000	4,149
2006-12-31 (YTD Data)		Rank
Total interest income	$7,485,000	4,370
Total interest expense	$2,042,000	5,346
Net interest income	$5,443,000	3,777
Provision for loan and lease losses	$983,000	1,055
Total noninterest income	$1,635,000	2,552
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,069,000	1,654
Trading account gains and fees	$0	130
Additional Noninterest Income	$566,000	3,123
Total noninterest expense	$4,303,000	3,762
Salaries and employee benefits	$2,153,000	4,049
Premises and equipment expense	$730,000	3,227
Additional noninterest expense	$1,420,000	3,442
Pre-tax net operating income	$1,792,000	3,904
Securities gains (losses)	$0	1,687
Applicable income taxes	$577,000	2,940
Income before extraordinary items	$1,215,000	4,258
Extraordinary gains, net	$0	51
Net income	$1,215,000	4,258
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$972,000	706
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,215,000	4,234
2006-09-30 (YTD Data)		Rank
Total interest income	$5,563,000	4,387
Total interest expense	$1,456,000	5,411
Net interest income	$4,107,000	3,785
Provision for loan and lease losses	$798,000	946
Total noninterest income	$1,300,000	2,470
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$785,000	1,684
Trading account gains and fees	$0	126
Additional Noninterest Income	$515,000	2,808
Total noninterest expense	$3,214,000	3,770
Salaries and employee benefits	$1,627,000	4,010
Premises and equipment expense	$550,000	3,221
Additional noninterest expense	$1,037,000	3,514
Pre-tax net operating income	$1,395,000	3,954
Securities gains (losses)	$0	1,388
Applicable income taxes	$460,000	2,971
Income before extraordinary items	$935,000	4,326
Extraordinary gains, net	$0	45
Net income	$935,000	4,329
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$758,000	575
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$935,000	4,312
2006-06-30 (YTD Data)		Rank
Total interest income	$3,642,000	4,387
Total interest expense	$904,000	5,497
Net interest income	$2,738,000	3,798
Provision for loan and lease losses	$317,000	1,400
Total noninterest income	$637,000	3,007
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$517,000	1,689
Trading account gains and fees	$0	126
Additional Noninterest Income	$120,000	4,748
Total noninterest expense	$2,142,000	3,778
Salaries and employee benefits	$1,092,000	4,001
Premises and equipment expense	$370,000	3,187
Additional noninterest expense	$680,000	3,570
Pre-tax net operating income	$916,000	4,002
Securities gains (losses)	$0	1,185
Applicable income taxes	$310,000	3,002
Income before extraordinary items	$606,000	4,419
Extraordinary gains, net	$0	39
Net income	$606,000	4,423
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$242,000	959
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$606,000	4,415
2006-03-31 (YTD Data)		Rank
Total interest income	$1,747,000	4,459
Total interest expense	$441,000	5,442
Net interest income	$1,306,000	3,926
Provision for loan and lease losses	$144,000	1,529
Total noninterest income	$316,000	2,979
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$252,000	1,673
Trading account gains and fees	$0	115
Additional Noninterest Income	$64,000	4,593
Total noninterest expense	$1,080,000	3,778
Salaries and employee benefits	$550,000	3,999
Premises and equipment expense	$186,000	3,186
Additional noninterest expense	$344,000	3,491
Pre-tax net operating income	$398,000	4,289
Securities gains (losses)	$0	955
Applicable income taxes	$105,000	3,523
Income before extraordinary items	$293,000	4,479
Extraordinary gains, net	$0	21
Net income	$293,000	4,479
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	614
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$293,000	4,464
2005-12-31 (YTD Data)		Rank
Total interest income	$6,409,000	4,425
Total interest expense	$1,587,000	5,091
Net interest income	$4,822,000	4,065
Provision for loan and lease losses	$1,040,000	1,014
Total noninterest income	$819,000	3,995
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$816,000	2,074
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,000	8,603
Total noninterest expense	$3,852,000	3,980
Salaries and employee benefits	$1,895,000	4,289
Premises and equipment expense	$656,000	3,403
Additional noninterest expense	$1,301,000	3,616
Pre-tax net operating income	$749,000	6,017
Securities gains (losses)	$0	2,296
Applicable income taxes	$199,000	4,677
Income before extraordinary items	$550,000	6,179
Extraordinary gains, net	$0	46
Net income	$550,000	6,185
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$759,000	830
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$550,000	6,145
2005-09-30 (YTD Data)		Rank
Total interest income	$4,687,000	4,458
Total interest expense	$1,138,000	5,078
Net interest income	$3,549,000	4,114
Provision for loan and lease losses	$844,000	892
Total noninterest income	$569,000	4,185
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$599,000	2,110
Trading account gains and fees	$0	126
Additional Noninterest Income	$-30,000	8,845
Total noninterest expense	$2,868,000	3,971
Salaries and employee benefits	$1,400,000	4,318
Premises and equipment expense	$477,000	3,478
Additional noninterest expense	$991,000	3,525
Pre-tax net operating income	$406,000	6,759
Securities gains (losses)	$0	2,317
Applicable income taxes	$231,000	4,200
Income before extraordinary items	$175,000	7,580
Extraordinary gains, net	$0	35
Net income	$175,000	7,580
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$556,000	768
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$175,000	7,548
2005-06-30 (YTD Data)		Rank
Total interest income	$3,047,000	4,475
Total interest expense	$726,000	5,034
Net interest income	$2,321,000	4,152
Provision for loan and lease losses	$350,000	1,336
Total noninterest income	$346,000	4,396
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$376,000	2,183
Trading account gains and fees	$0	116
Additional Noninterest Income	$-30,000	8,860
Total noninterest expense	$1,868,000	4,023
Salaries and employee benefits	$929,000	4,309
Premises and equipment expense	$304,000	3,587
Additional noninterest expense	$635,000	3,633
Pre-tax net operating income	$449,000	5,709
Securities gains (losses)	$0	2,146
Applicable income taxes	$148,000	4,269
Income before extraordinary items	$301,000	6,114
Extraordinary gains, net	$0	30
Net income	$301,000	6,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$267,000	978
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$301,000	6,064
2005-03-31 (YTD Data)		Rank
Total interest income	$1,511,000	4,465
Total interest expense	$357,000	5,001
Net interest income	$1,154,000	4,192
Provision for loan and lease losses	$185,000	1,198
Total noninterest income	$222,000	3,729
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$193,000	2,068
Trading account gains and fees	$0	115
Additional Noninterest Income	$29,000	6,226
Total noninterest expense	$932,000	4,051
Salaries and employee benefits	$463,000	4,335
Premises and equipment expense	$151,000	3,632
Additional noninterest expense	$318,000	3,625
Pre-tax net operating income	$259,000	5,371
Securities gains (losses)	$0	1,685
Applicable income taxes	$80,000	4,116
Income before extraordinary items	$179,000	5,681
Extraordinary gains, net	$0	24
Net income	$179,000	5,682
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	2,179
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$179,000	5,648
2004-12-31 (YTD Data)		Rank
Total interest income	$5,172,000	4,727
Total interest expense	$1,116,000	5,339
Net interest income	$4,056,000	4,434
Provision for loan and lease losses	$1,270,000	842
Total noninterest income	$1,015,000	3,498
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$968,000	1,816
Trading account gains and fees	$0	138
Additional Noninterest Income	$47,000	7,478
Total noninterest expense	$3,646,000	4,043
Salaries and employee benefits	$1,761,000	4,407
Premises and equipment expense	$606,000	3,508
Additional noninterest expense	$1,279,000	3,570
Pre-tax net operating income	$155,000	7,930
Securities gains (losses)	$0	3,819
Applicable income taxes	$-17,000	8,610
Income before extraordinary items	$172,000	7,776
Extraordinary gains, net	$0	34
Net income	$172,000	7,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,246,000	661
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$172,000	7,737
2004-09-30 (YTD Data)		Rank
Total interest income	$3,751,000	4,832
Total interest expense	$791,000	5,474
Net interest income	$2,960,000	4,520
Provision for loan and lease losses	$656,000	1,154
Total noninterest income	$812,000	3,368
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$751,000	1,764
Trading account gains and fees	$0	134
Additional Noninterest Income	$61,000	6,777
Total noninterest expense	$2,654,000	4,103
Salaries and employee benefits	$1,288,000	4,446
Premises and equipment expense	$469,000	3,430
Additional noninterest expense	$897,000	3,736
Pre-tax net operating income	$462,000	6,494
Securities gains (losses)	$0	3,710
Applicable income taxes	$171,000	4,678
Income before extraordinary items	$291,000	6,952
Extraordinary gains, net	$0	26
Net income	$291,000	6,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$582,000	842
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$291,000	6,884
2004-06-30 (YTD Data)		Rank
Total interest income	$2,485,000	4,864
Total interest expense	$520,000	5,539
Net interest income	$1,965,000	4,530
Provision for loan and lease losses	$507,000	976
Total noninterest income	$539,000	3,400
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$502,000	1,744
Trading account gains and fees	$0	130
Additional Noninterest Income	$37,000	6,933
Total noninterest expense	$1,758,000	4,148
Salaries and employee benefits	$864,000	4,457
Premises and equipment expense	$331,000	3,278
Additional noninterest expense	$563,000	3,933
Pre-tax net operating income	$239,000	6,907
Securities gains (losses)	$0	3,413
Applicable income taxes	$101,000	4,830
Income before extraordinary items	$138,000	7,429
Extraordinary gains, net	$0	21
Net income	$138,000	7,429
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$465,000	754
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$138,000	7,360
2004-03-31 (YTD Data)		Rank
Total interest income	$1,260,000	4,836
Total interest expense	$271,000	5,475
Net interest income	$989,000	4,520
Provision for loan and lease losses	$144,000	1,588
Total noninterest income	$267,000	3,370
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$247,000	1,716
Trading account gains and fees	$0	121
Additional Noninterest Income	$20,000	6,798
Total noninterest expense	$878,000	4,167
Salaries and employee benefits	$442,000	4,404
Premises and equipment expense	$165,000	3,314
Additional noninterest expense	$271,000	4,056
Pre-tax net operating income	$234,000	5,441
Securities gains (losses)	$0	2,934
Applicable income taxes	$95,000	3,871
Income before extraordinary items	$139,000	6,188
Extraordinary gains, net	$0	16
Net income	$139,000	6,188
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	1,458
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$139,000	6,086
2003-12-31 (YTD Data)		Rank
Total interest income	$4,846,000	5,002
Total interest expense	$1,178,000	5,619
Net interest income	$3,668,000	4,642
Provision for loan and lease losses	$479,000	2,259
Total noninterest income	$1,018,000	3,689
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$965,000	1,789
Trading account gains and fees	$0	160
Additional Noninterest Income	$53,000	7,480
Total noninterest expense	$3,244,000	4,369
Salaries and employee benefits	$1,553,000	4,744
Premises and equipment expense	$548,000	3,790
Additional noninterest expense	$1,143,000	3,874
Pre-tax net operating income	$963,000	5,268
Securities gains (losses)	$0	4,500
Applicable income taxes	$331,000	4,132
Income before extraordinary items	$632,000	5,834
Extraordinary gains, net	$0	54
Net income	$632,000	5,837
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$305,000	2,225
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$632,000	5,668
2003-09-30 (YTD Data)		Rank
Total interest income	$3,606,000	5,085
Total interest expense	$892,000	5,745
Net interest income	$2,714,000	4,712
Provision for loan and lease losses	$315,000	2,407
Total noninterest income	$744,000	3,799
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$709,000	1,833
Trading account gains and fees	$0	153
Additional Noninterest Income	$35,000	7,674
Total noninterest expense	$2,395,000	4,400
Salaries and employee benefits	$1,133,000	4,814
Premises and equipment expense	$394,000	3,903
Additional noninterest expense	$868,000	3,814
Pre-tax net operating income	$748,000	5,327
Securities gains (losses)	$0	4,204
Applicable income taxes	$235,000	4,387
Income before extraordinary items	$513,000	5,791
Extraordinary gains, net	$0	40
Net income	$513,000	5,792
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	2,389
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$513,000	5,619
2003-06-30 (YTD Data)		Rank
Total interest income	$2,362,000	5,182
Total interest expense	$596,000	5,863
Net interest income	$1,766,000	4,772
Provision for loan and lease losses	$216,000	2,372
Total noninterest income	$418,000	4,149
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$449,000	1,885
Trading account gains and fees	$0	150
Additional Noninterest Income	$-31,000	9,241
Total noninterest expense	$1,577,000	4,417
Salaries and employee benefits	$740,000	4,885
Premises and equipment expense	$256,000	3,972
Additional noninterest expense	$581,000	3,793
Pre-tax net operating income	$391,000	5,925
Securities gains (losses)	$0	3,782
Applicable income taxes	$135,000	4,667
Income before extraordinary items	$256,000	6,464
Extraordinary gains, net	$0	30
Net income	$256,000	6,464
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	2,402
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$256,000	6,260
2003-03-31 (YTD Data)		Rank
Total interest income	$1,140,000	5,313
Total interest expense	$294,000	5,992
Net interest income	$846,000	4,894
Provision for loan and lease losses	$114,000	2,170
Total noninterest income	$165,000	4,648
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$217,000	1,890
Trading account gains and fees	$0	134
Additional Noninterest Income	$-52,000	9,307
Total noninterest expense	$756,000	4,547
Salaries and employee benefits	$363,000	4,955
Premises and equipment expense	$122,000	4,095
Additional noninterest expense	$271,000	3,964
Pre-tax net operating income	$141,000	6,585
Securities gains (losses)	$0	2,891
Applicable income taxes	$70,000	4,589
Income before extraordinary items	$71,000	7,460
Extraordinary gains, net	$0	21
Net income	$71,000	7,461
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	2,164
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$71,000	7,311
2002-12-31 (YTD Data)		Rank
Total interest income	$3,851,000	6,030
Total interest expense	$1,102,000	6,677
Net interest income	$2,749,000	5,594
Provision for loan and lease losses	$217,000	4,198
Total noninterest income	$867,000	3,795
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$784,000	2,035
Trading account gains and fees	$0	153
Additional Noninterest Income	$83,000	6,810
Total noninterest expense	$2,546,000	5,022
Salaries and employee benefits	$1,175,000	5,560
Premises and equipment expense	$409,000	4,569
Additional noninterest expense	$962,000	4,308
Pre-tax net operating income	$853,000	5,611
Securities gains (losses)	$6,000	3,879
Applicable income taxes	$271,000	4,611
Income before extraordinary items	$588,000	6,018
Extraordinary gains, net	$0	70
Net income	$588,000	6,017
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	5,115
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$583,920	5,895
2001-12-31 (YTD Data)		Rank
Total interest income	$3,418,000	6,833
Total interest expense	$1,325,000	7,352
Net interest income	$2,093,000	6,291
Provision for loan and lease losses	$245,000	3,671
Total noninterest income	$620,000	4,508
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$575,000	2,516
Trading account gains and fees	$0	177
Additional Noninterest Income	$45,000	7,826
Total noninterest expense	$2,046,000	5,648
Salaries and employee benefits	$939,000	6,207
Premises and equipment expense	$375,000	4,801
Additional noninterest expense	$732,000	5,105
Pre-tax net operating income	$422,000	6,876
Securities gains (losses)	$1,000	4,410
Applicable income taxes	$-178,000	9,358
Income before extraordinary items	$601,000	5,622
Extraordinary gains, net	$0	105
Net income	$601,000	5,625
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	3,278
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$600,000	5,500
2000-12-31 (YTD Data)		Rank
Total interest income	$2,265,000	8,163
Total interest expense	$988,000	8,244
Net interest income	$1,277,000	7,917
Provision for loan and lease losses	$253,000	3,208
Total noninterest income	$250,000	6,776
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$215,000	4,920
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	8,337
Total noninterest expense	$1,536,000	6,660
Salaries and employee benefits	$676,000	7,310
Premises and equipment expense	$286,000	5,578
Additional noninterest expense	$574,000	5,942
Pre-tax net operating income	$-262,000	9,388
Securities gains (losses)	$-1,000	7,406
Applicable income taxes	$0	8,362
Income before extraordinary items	$-263,000	9,421
Extraordinary gains, net	$0	38
Net income	$-263,000	9,420
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,352
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-262,000	9,420
1999-12-31 (YTD Data)		Rank
Total interest income	$283,000	10,091
Total interest expense	$145,000	10,005
Net interest income	$138,000	10,119
Provision for loan and lease losses	$70,000	5,912
Total noninterest income	$23,000	9,939
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	8,514
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	10,002
Total noninterest expense	$664,000	9,132
Salaries and employee benefits	$347,000	9,210
Premises and equipment expense	$86,000	8,905
Additional noninterest expense	$231,000	8,740
Pre-tax net operating income	$-573,000	9,895
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$-573,000	9,945
Extraordinary gains, net	$0	35
Net income	$-573,000	9,944
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	$4,818,000	267
Net operating income	$-573,000	9,924

* 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.