Home > First National Bank of the South > Income and Expense
First National Bank of the South, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,415,000 | 6,873 |
| Total interest expense | $715,000 | 6,312 |
| Net interest income | $700,000 | 7,205 |
| Provision for loan and lease losses | $-5,000 | 8,320 |
| Total noninterest income | $281,000 | 4,767 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $169,000 | 3,825 |
| Trading account gains and fees | $6,000 | 136 |
| Additional Noninterest Income | $106,000 | 4,955 |
| Total noninterest expense | $790,000 | 6,824 |
| Salaries and employee benefits | $337,000 | 7,307 |
| Premises and equipment expense | $63,000 | 7,456 |
| Additional noninterest expense | $390,000 | 5,488 |
| Pre-tax net operating income | $196,000 | 5,846 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $92,000 | 3,534 |
| Income before extraordinary items | $104,000 | 6,314 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $104,000 | 6,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,516 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $104,000 | 6,248 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,713,000 | 3,511 |
| Total interest expense | $1,558,000 | 2,783 |
| Net interest income | $1,155,000 | 4,202 |
| Provision for loan and lease losses | $449,000 | 1,076 |
| Total noninterest income | $316,000 | 3,020 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $231,000 | 1,836 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $85,000 | 4,075 |
| Total noninterest expense | $1,492,000 | 3,079 |
| Salaries and employee benefits | $690,000 | 3,580 |
| Premises and equipment expense | $155,000 | 3,877 |
| Additional noninterest expense | $647,000 | 2,161 |
| Pre-tax net operating income | $-470,000 | 8,064 |
| Securities gains (losses) | $4,000 | 2,294 |
| Applicable income taxes | $-230,000 | 8,276 |
| Income before extraordinary items | $-236,000 | 7,900 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-236,000 | 7,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 1,005 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-238,560 | 7,872 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,249,000 | 3,005 |
| Total interest expense | $6,247,000 | 2,914 |
| Net interest income | $7,002,000 | 3,106 |
| Provision for loan and lease losses | $80,000 | 5,190 |
| Total noninterest income | $1,534,000 | 2,668 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $966,000 | 1,823 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $568,000 | 3,100 |
| Total noninterest expense | $5,581,000 | 3,155 |
| Salaries and employee benefits | $2,726,000 | 3,481 |
| Premises and equipment expense | $566,000 | 4,005 |
| Additional noninterest expense | $2,289,000 | 2,358 |
| Pre-tax net operating income | $2,875,000 | 2,554 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $840,000 | 2,073 |
| Income before extraordinary items | $2,036,000 | 2,777 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,036,000 | 2,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-103,000 | 8,389 |
| Cash dividends | $1,088,000 | 2,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,035,290 | 2,761 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,940,000 | 2,996 |
| Total interest expense | $4,595,000 | 2,954 |
| Net interest income | $5,345,000 | 3,051 |
| Provision for loan and lease losses | $80,000 | 4,491 |
| Total noninterest income | $1,203,000 | 2,581 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $702,000 | 1,853 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $501,000 | 2,845 |
| Total noninterest expense | $4,188,000 | 3,120 |
| Salaries and employee benefits | $2,069,000 | 3,434 |
| Premises and equipment expense | $434,000 | 3,926 |
| Additional noninterest expense | $1,685,000 | 2,350 |
| Pre-tax net operating income | $2,280,000 | 2,594 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $709,000 | 2,065 |
| Income before extraordinary items | $1,572,000 | 2,869 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,572,000 | 2,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-208,000 | 8,468 |
| Cash dividends | $816,000 | 2,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,571,310 | 2,857 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,472,000 | 3,072 |
| Total interest expense | $2,952,000 | 3,049 |
| Net interest income | $3,520,000 | 3,109 |
| Provision for loan and lease losses | $80,000 | 3,654 |
| Total noninterest income | $795,000 | 2,609 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $437,000 | 1,970 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $358,000 | 2,734 |
| Total noninterest expense | $2,796,000 | 3,139 |
| Salaries and employee benefits | $1,386,000 | 3,443 |
| Premises and equipment expense | $279,000 | 4,056 |
| Additional noninterest expense | $1,131,000 | 2,351 |
| Pre-tax net operating income | $1,439,000 | 2,756 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $441,000 | 2,241 |
| Income before extraordinary items | $999,000 | 3,041 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $999,000 | 3,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-205,000 | 8,527 |
| Cash dividends | $544,000 | 2,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $998,310 | 3,025 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,177,000 | 3,117 |
| Total interest expense | $1,424,000 | 3,121 |
| Net interest income | $1,753,000 | 3,117 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $413,000 | 2,505 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $221,000 | 1,897 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $192,000 | 2,603 |
| Total noninterest expense | $1,398,000 | 3,157 |
| Salaries and employee benefits | $690,000 | 3,497 |
| Premises and equipment expense | $143,000 | 3,992 |
| Additional noninterest expense | $565,000 | 2,325 |
| Pre-tax net operating income | $708,000 | 2,773 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $216,000 | 2,291 |
| Income before extraordinary items | $493,000 | 3,063 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $493,000 | 3,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $272,000 | 2,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $492,300 | 3,047 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,275,000 | 3,024 |
| Total interest expense | $4,979,000 | 3,032 |
| Net interest income | $7,296,000 | 2,997 |
| Provision for loan and lease losses | $240,000 | 3,157 |
| Total noninterest income | $1,505,000 | 2,697 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $817,000 | 2,084 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $688,000 | 2,789 |
| Total noninterest expense | $5,398,000 | 3,139 |
| Salaries and employee benefits | $2,766,000 | 3,349 |
| Premises and equipment expense | $608,000 | 3,730 |
| Additional noninterest expense | $2,024,000 | 2,544 |
| Pre-tax net operating income | $3,163,000 | 2,684 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $980,000 | 2,221 |
| Income before extraordinary items | $2,181,000 | 2,913 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,181,000 | 2,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,801 |
| Cash dividends | $880,000 | 2,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,182,380 | 2,900 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,055,000 | 3,046 |
| Total interest expense | $3,572,000 | 3,062 |
| Net interest income | $5,483,000 | 3,021 |
| Provision for loan and lease losses | $210,000 | 2,785 |
| Total noninterest income | $1,155,000 | 2,663 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $618,000 | 2,065 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $537,000 | 2,755 |
| Total noninterest expense | $4,083,000 | 3,115 |
| Salaries and employee benefits | $2,070,000 | 3,352 |
| Premises and equipment expense | $466,000 | 3,672 |
| Additional noninterest expense | $1,547,000 | 2,477 |
| Pre-tax net operating income | $2,345,000 | 2,799 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $731,000 | 2,331 |
| Income before extraordinary items | $1,614,000 | 3,035 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,614,000 | 3,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $880,000 | 2,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,614,000 | 3,031 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,820,000 | 3,110 |
| Total interest expense | $2,234,000 | 3,116 |
| Net interest income | $3,586,000 | 3,073 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $749,000 | 2,713 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $418,000 | 2,021 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $331,000 | 2,836 |
| Total noninterest expense | $2,745,000 | 3,094 |
| Salaries and employee benefits | $1,378,000 | 3,365 |
| Premises and equipment expense | $320,000 | 3,581 |
| Additional noninterest expense | $1,047,000 | 2,451 |
| Pre-tax net operating income | $1,470,000 | 2,913 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $451,000 | 2,450 |
| Income before extraordinary items | $1,019,000 | 3,165 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,019,000 | 3,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 7,997 |
| Cash dividends | $880,000 | 1,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,019,000 | 3,155 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,834,000 | 3,121 |
| Total interest expense | $1,086,000 | 3,050 |
| Net interest income | $1,748,000 | 3,133 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $372,000 | 2,671 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $198,000 | 2,062 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $174,000 | 2,726 |
| Total noninterest expense | $1,345,000 | 3,167 |
| Salaries and employee benefits | $677,000 | 3,422 |
| Premises and equipment expense | $161,000 | 3,575 |
| Additional noninterest expense | $507,000 | 2,515 |
| Pre-tax net operating income | $715,000 | 2,933 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $219,000 | 2,484 |
| Income before extraordinary items | $496,000 | 3,179 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $496,000 | 3,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $220,000 | 2,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $496,000 | 3,158 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,269,000 | 3,346 |
| Total interest expense | $2,929,000 | 3,400 |
| Net interest income | $6,340,000 | 3,280 |
| Provision for loan and lease losses | $240,000 | 3,239 |
| Total noninterest income | $1,634,000 | 2,552 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $814,000 | 2,080 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $820,000 | 2,497 |
| Total noninterest expense | $5,386,000 | 3,034 |
| Salaries and employee benefits | $2,723,000 | 3,242 |
| Premises and equipment expense | $633,000 | 3,497 |
| Additional noninterest expense | $2,030,000 | 2,452 |
| Pre-tax net operating income | $2,348,000 | 3,287 |
| Securities gains (losses) | $138,000 | 603 |
| Applicable income taxes | $725,000 | 2,759 |
| Income before extraordinary items | $1,761,000 | 3,420 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,761,000 | 3,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,283 |
| Cash dividends | $600,000 | 3,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,663,020 | 3,510 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,686,000 | 3,392 |
| Total interest expense | $2,026,000 | 3,474 |
| Net interest income | $4,660,000 | 3,322 |
| Provision for loan and lease losses | $180,000 | 3,127 |
| Total noninterest income | $1,261,000 | 2,497 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $603,000 | 2,096 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $658,000 | 2,406 |
| Total noninterest expense | $4,015,000 | 3,015 |
| Salaries and employee benefits | $2,038,000 | 3,224 |
| Premises and equipment expense | $461,000 | 3,576 |
| Additional noninterest expense | $1,516,000 | 2,428 |
| Pre-tax net operating income | $1,726,000 | 3,410 |
| Securities gains (losses) | $138,000 | 566 |
| Applicable income taxes | $552,000 | 2,777 |
| Income before extraordinary items | $1,312,000 | 3,463 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,312,000 | 3,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,302 |
| Cash dividends | $450,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,215,400 | 3,597 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,246,000 | 3,457 |
| Total interest expense | $1,224,000 | 3,572 |
| Net interest income | $3,022,000 | 3,387 |
| Provision for loan and lease losses | $120,000 | 3,004 |
| Total noninterest income | $849,000 | 2,444 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $400,000 | 2,071 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $449,000 | 2,353 |
| Total noninterest expense | $2,664,000 | 3,019 |
| Salaries and employee benefits | $1,361,000 | 3,202 |
| Premises and equipment expense | $299,000 | 3,637 |
| Additional noninterest expense | $1,004,000 | 2,419 |
| Pre-tax net operating income | $1,087,000 | 3,504 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $318,000 | 2,999 |
| Income before extraordinary items | $770,000 | 3,721 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $770,000 | 3,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,472 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $769,290 | 3,683 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,037,000 | 3,535 |
| Total interest expense | $541,000 | 3,800 |
| Net interest income | $1,496,000 | 3,422 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $452,000 | 2,301 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $199,000 | 2,010 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $253,000 | 2,135 |
| Total noninterest expense | $1,358,000 | 2,973 |
| Salaries and employee benefits | $714,000 | 3,076 |
| Premises and equipment expense | $152,000 | 3,614 |
| Additional noninterest expense | $492,000 | 2,473 |
| Pre-tax net operating income | $530,000 | 3,521 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $158,000 | 3,023 |
| Income before extraordinary items | $373,000 | 3,801 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $373,000 | 3,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $372,300 | 3,761 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,342,000 | 3,663 |
| Total interest expense | $1,630,000 | 4,275 |
| Net interest income | $5,712,000 | 3,424 |
| Provision for loan and lease losses | $180,000 | 3,881 |
| Total noninterest income | $1,688,000 | 2,471 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $855,000 | 2,012 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $833,000 | 2,433 |
| Total noninterest expense | $5,316,000 | 2,942 |
| Salaries and employee benefits | $2,700,000 | 3,142 |
| Premises and equipment expense | $674,000 | 3,227 |
| Additional noninterest expense | $1,942,000 | 2,488 |
| Pre-tax net operating income | $1,904,000 | 3,621 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $558,000 | 3,154 |
| Income before extraordinary items | $1,349,000 | 3,904 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,349,000 | 3,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,414 |
| Cash dividends | $450,000 | 3,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,346,870 | 3,840 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,365,000 | 3,717 |
| Total interest expense | $1,179,000 | 4,337 |
| Net interest income | $4,186,000 | 3,462 |
| Provision for loan and lease losses | $150,000 | 3,509 |
| Total noninterest income | $1,303,000 | 2,435 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $656,000 | 1,993 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $647,000 | 2,389 |
| Total noninterest expense | $4,028,000 | 2,893 |
| Salaries and employee benefits | $2,071,000 | 3,039 |
| Premises and equipment expense | $508,000 | 3,217 |
| Additional noninterest expense | $1,449,000 | 2,467 |
| Pre-tax net operating income | $1,311,000 | 3,929 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $363,000 | 3,463 |
| Income before extraordinary items | $951,000 | 4,132 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $951,000 | 4,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,421 |
| Cash dividends | $450,000 | 2,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $948,840 | 4,071 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,557,000 | 3,733 |
| Total interest expense | $788,000 | 4,326 |
| Net interest income | $2,769,000 | 3,483 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $883,000 | 2,414 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $427,000 | 2,020 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $456,000 | 2,333 |
| Total noninterest expense | $2,696,000 | 2,889 |
| Salaries and employee benefits | $1,414,000 | 2,986 |
| Premises and equipment expense | $337,000 | 3,230 |
| Additional noninterest expense | $945,000 | 2,507 |
| Pre-tax net operating income | $856,000 | 3,935 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $223,000 | 3,578 |
| Income before extraordinary items | $636,000 | 4,087 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $636,000 | 4,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,375 |
| Cash dividends | $300,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $633,780 | 4,013 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,754,000 | 3,776 |
| Total interest expense | $396,000 | 4,369 |
| Net interest income | $1,358,000 | 3,532 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $435,000 | 2,399 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $200,000 | 2,085 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $235,000 | 2,218 |
| Total noninterest expense | $1,310,000 | 2,964 |
| Salaries and employee benefits | $678,000 | 3,116 |
| Premises and equipment expense | $167,000 | 3,286 |
| Additional noninterest expense | $465,000 | 2,529 |
| Pre-tax net operating income | $423,000 | 3,950 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $125,000 | 3,416 |
| Income before extraordinary items | $301,000 | 4,254 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $301,000 | 4,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,761 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $298,870 | 4,157 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,402,000 | 7,144 |
| Total interest expense | $587,000 | 7,430 |
| Net interest income | $1,815,000 | 6,878 |
| Provision for loan and lease losses | $20,000 | 7,057 |
| Total noninterest income | $516,000 | 5,348 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $276,000 | 4,507 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $240,000 | 4,926 |
| Total noninterest expense | $1,737,000 | 6,462 |
| Salaries and employee benefits | $925,000 | 6,518 |
| Premises and equipment expense | $36,000 | 8,943 |
| Additional noninterest expense | $776,000 | 5,159 |
| Pre-tax net operating income | $574,000 | 6,432 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $142,000 | 5,341 |
| Income before extraordinary items | $432,000 | 6,654 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $432,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,392 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $432,000 | 6,497 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $584,000 | 8,849 |
| Total interest expense | $139,000 | 8,884 |
| Net interest income | $445,000 | 8,776 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $133,000 | 7,596 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $64,000 | 6,860 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $69,000 | 6,726 |
| Total noninterest expense | $416,000 | 8,769 |
| Salaries and employee benefits | $209,000 | 8,850 |
| Premises and equipment expense | $51,000 | 8,542 |
| Additional noninterest expense | $156,000 | 8,405 |
| Pre-tax net operating income | $162,000 | 7,913 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $28,000 | 6,613 |
| Income before extraordinary items | $134,000 | 8,017 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $134,000 | 8,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,221 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $134,000 | 7,877 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,634,000 | 3,766 |
| Total interest expense | $1,290,000 | 3,461 |
| Net interest income | $2,344,000 | 3,895 |
| Provision for loan and lease losses | $40,000 | 5,444 |
| Total noninterest income | $991,000 | 2,374 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $383,000 | 2,169 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $608,000 | 2,173 |
| Total noninterest expense | $2,388,000 | 3,178 |
| Salaries and employee benefits | $1,294,000 | 3,161 |
| Premises and equipment expense | $318,000 | 3,326 |
| Additional noninterest expense | $776,000 | 2,946 |
| Pre-tax net operating income | $907,000 | 3,745 |
| Securities gains (losses) | $44,000 | 2,102 |
| Applicable income taxes | $241,000 | 3,619 |
| Income before extraordinary items | $710,000 | 3,819 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $710,000 | 3,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 2,852 |
| Cash dividends | $290,000 | 2,954 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $677,000 | 3,777 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,828,000 | 3,777 |
| Total interest expense | $676,000 | 3,409 |
| Net interest income | $1,152,000 | 3,956 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $464,000 | 2,426 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $187,000 | 2,139 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $277,000 | 2,225 |
| Total noninterest expense | $1,168,000 | 3,237 |
| Salaries and employee benefits | $658,000 | 3,115 |
| Premises and equipment expense | $159,000 | 3,329 |
| Additional noninterest expense | $351,000 | 3,181 |
| Pre-tax net operating income | $408,000 | 3,982 |
| Securities gains (losses) | $32,000 | 1,647 |
| Applicable income taxes | $107,000 | 3,820 |
| Income before extraordinary items | $333,000 | 3,949 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $333,000 | 3,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,069 |
| Cash dividends | $290,000 | 1,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $308,680 | 3,968 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,165,000 | 3,586 |
| Total interest expense | $3,189,000 | 3,361 |
| Net interest income | $4,976,000 | 3,687 |
| Provision for loan and lease losses | $281,000 | 3,600 |
| Total noninterest income | $1,595,000 | 2,521 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $518,000 | 2,888 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,077,000 | 2,072 |
| Total noninterest expense | $4,316,000 | 3,345 |
| Salaries and employee benefits | $2,533,000 | 3,084 |
| Premises and equipment expense | $620,000 | 3,317 |
| Additional noninterest expense | $1,163,000 | 3,707 |
| Pre-tax net operating income | $1,974,000 | 3,467 |
| Securities gains (losses) | $9,000 | 3,662 |
| Applicable income taxes | $556,000 | 3,252 |
| Income before extraordinary items | $1,427,000 | 3,625 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,427,000 | 3,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,432 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,420,520 | 3,540 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,725,000 | 3,729 |
| Total interest expense | $4,482,000 | 3,459 |
| Net interest income | $4,243,000 | 3,941 |
| Provision for loan and lease losses | $215,000 | 3,959 |
| Total noninterest income | $1,407,000 | 2,634 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $568,000 | 2,549 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $839,000 | 2,316 |
| Total noninterest expense | $3,922,000 | 3,485 |
| Salaries and employee benefits | $2,342,000 | 3,129 |
| Premises and equipment expense | $511,000 | 3,798 |
| Additional noninterest expense | $1,069,000 | 3,850 |
| Pre-tax net operating income | $1,513,000 | 3,836 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $397,000 | 3,751 |
| Income before extraordinary items | $1,119,000 | 3,985 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,119,000 | 3,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,890 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,116,780 | 3,870 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,107,000 | 4,531 |
| Total interest expense | $3,571,000 | 4,326 |
| Net interest income | $3,536,000 | 4,578 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $1,222,000 | 2,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $439,000 | 3,010 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $783,000 | 2,179 |
| Total noninterest expense | $3,585,000 | 3,625 |
| Salaries and employee benefits | $2,100,000 | 3,326 |
| Premises and equipment expense | $422,000 | 4,336 |
| Additional noninterest expense | $1,063,000 | 3,808 |
| Pre-tax net operating income | $1,153,000 | 4,844 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $224,000 | 5,182 |
| Income before extraordinary items | $929,000 | 4,590 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $929,000 | 4,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-106,000 | 9,755 |
| Cash dividends | $300,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $929,000 | 4,588 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,437,000 | 5,286 |
| Total interest expense | $2,369,000 | 5,390 |
| Net interest income | $3,068,000 | 5,073 |
| Provision for loan and lease losses | $-235,000 | 10,153 |
| Total noninterest income | $822,000 | 3,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,349 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $442,000 | 3,199 |
| Total noninterest expense | $2,732,000 | 4,553 |
| Salaries and employee benefits | $1,577,000 | 4,165 |
| Premises and equipment expense | $345,000 | 5,015 |
| Additional noninterest expense | $810,000 | 4,738 |
| Pre-tax net operating income | $1,393,000 | 4,305 |
| Securities gains (losses) | $126,000 | 648 |
| Applicable income taxes | $462,000 | 3,796 |
| Income before extraordinary items | $1,057,000 | 4,255 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,057,000 | 4,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-439,000 | 10,175 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $968,800 | 4,484 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,347,000 | 5,419 |
| Total interest expense | $2,471,000 | 5,409 |
| Net interest income | $2,876,000 | 5,292 |
| Provision for loan and lease losses | $279,000 | 2,790 |
| Total noninterest income | $922,000 | 3,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $340,000 | 3,567 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $582,000 | 2,692 |
| Total noninterest expense | $2,247,000 | 5,132 |
| Salaries and employee benefits | $1,256,000 | 4,896 |
| Premises and equipment expense | $301,000 | 5,370 |
| Additional noninterest expense | $690,000 | 5,226 |
| Pre-tax net operating income | $1,272,000 | 4,700 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $414,000 | 4,328 |
| Income before extraordinary items | $872,000 | 4,927 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $872,000 | 4,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,457,000 | 575 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $862,480 | 4,874 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,156,000 | 5,666 |
| Total interest expense | $2,187,000 | 5,907 |
| Net interest income | $2,969,000 | 5,344 |
| Provision for loan and lease losses | $1,360,000 | 781 |
| Total noninterest income | $560,000 | 4,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $348,000 | 3,630 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 4,828 |
| Total noninterest expense | $2,218,000 | 5,265 |
| Salaries and employee benefits | $1,201,000 | 5,095 |
| Premises and equipment expense | $295,000 | 5,499 |
| Additional noninterest expense | $722,000 | 5,098 |
| Pre-tax net operating income | $-49,000 | 10,442 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $-76,000 | 10,676 |
| Income before extraordinary items | $28,000 | 10,332 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $28,000 | 10,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,386 |
| Cash dividends | $160,000 | 5,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $27,360 | 10,295 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,464,000 | 6,443 |
| Total interest expense | $1,856,000 | 6,722 |
| Net interest income | $2,608,000 | 6,034 |
| Provision for loan and lease losses | $15,000 | 8,204 |
| Total noninterest income | $450,000 | 5,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 4,205 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 6,013 |
| Total noninterest expense | $1,861,000 | 6,249 |
| Salaries and employee benefits | $966,000 | 6,145 |
| Premises and equipment expense | $285,000 | 5,776 |
| Additional noninterest expense | $610,000 | 6,299 |
| Pre-tax net operating income | $1,182,000 | 5,175 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $386,000 | 5,000 |
| Income before extraordinary items | $796,000 | 5,328 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $796,000 | 5,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,357 |
| Cash dividends | $141,000 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $796,000 | 5,265 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,983,000 | 7,025 |
| Total interest expense | $1,559,000 | 7,533 |
| Net interest income | $2,424,000 | 6,437 |
| Provision for loan and lease losses | $83,000 | 5,026 |
| Total noninterest income | $358,000 | 6,383 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,805 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,303 |
| Total noninterest expense | $1,689,000 | 6,758 |
| Salaries and employee benefits | $893,000 | 6,593 |
| Premises and equipment expense | $283,000 | 5,881 |
| Additional noninterest expense | $513,000 | 7,152 |
| Pre-tax net operating income | $1,010,000 | 5,957 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $282,000 | 6,229 |
| Income before extraordinary items | $728,000 | 5,827 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $728,000 | 5,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $728,000 | 5,811 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,497,000 | 7,328 |
| Total interest expense | $1,350,000 | 7,396 |
| Net interest income | $2,147,000 | 7,208 |
| Provision for loan and lease losses | $95,000 | 4,682 |
| Total noninterest income | $285,000 | 7,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 5,574 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 8,689 |
| Total noninterest expense | $1,654,000 | 7,116 |
| Salaries and employee benefits | $819,000 | 7,089 |
| Premises and equipment expense | $246,000 | 6,584 |
| Additional noninterest expense | $589,000 | 7,119 |
| Pre-tax net operating income | $683,000 | 7,501 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $196,000 | 7,404 |
| Income before extraordinary items | $487,000 | 7,410 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $487,000 | 7,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,617 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $487,000 | 7,448 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,280,000 | 7,876 |
| Total interest expense | $1,304,000 | 7,868 |
| Net interest income | $1,976,000 | 7,749 |
| Provision for loan and lease losses | $286,000 | 3,112 |
| Total noninterest income | $311,000 | 7,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,451 |
| Total noninterest expense | $1,414,000 | 8,131 |
| Salaries and employee benefits | $652,000 | 8,374 |
| Premises and equipment expense | $195,000 | 7,784 |
| Additional noninterest expense | $567,000 | 7,625 |
| Pre-tax net operating income | $587,000 | 8,028 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $191,000 | 7,790 |
| Income before extraordinary items | $396,000 | 8,473 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $396,000 | 8,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 3,539 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $396,000 | 8,194 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,229,000 | 8,591 |
| Total interest expense | $1,555,000 | 8,348 |
| Net interest income | $1,674,000 | 8,736 |
| Provision for loan and lease losses | $266,000 | 4,443 |
| Total noninterest income | $286,000 | 7,919 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,921 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,755 |
| Total noninterest expense | $1,198,000 | 9,044 |
| Salaries and employee benefits | $542,000 | 9,347 |
| Premises and equipment expense | $185,000 | 8,187 |
| Additional noninterest expense | $471,000 | 8,741 |
| Pre-tax net operating income | $496,000 | 8,431 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $165,000 | 8,276 |
| Income before extraordinary items | $339,000 | 8,834 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $339,000 | 8,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 5,532 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $333,640 | 8,532 |
* 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.