Home > First Piedmont Bank > Income and Expense
First Piedmont Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,086,000 | 5,727 |
| Total interest expense | $1,974,000 | 3,002 |
| Net interest income | $112,000 | 8,118 |
| Provision for loan and lease losses | $579,000 | 2,772 |
| Total noninterest income | $-1,781,000 | 8,160 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $70,000 | 5,297 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-1,851,000 | 8,154 |
| Total noninterest expense | $1,770,000 | 4,738 |
| Salaries and employee benefits | $666,000 | 5,652 |
| Premises and equipment expense | $183,000 | 5,298 |
| Additional noninterest expense | $921,000 | 3,492 |
| Pre-tax net operating income | $-4,018,000 | 7,662 |
| Securities gains (losses) | $37,000 | 2,068 |
| Applicable income taxes | $-1,168,000 | 7,789 |
| Income before extraordinary items | $-2,813,000 | 7,614 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,813,000 | 7,613 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,813,000 | 7,613 |
| Net charge-offs | $1,363,000 | 1,410 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,839,270 | 7,624 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $965,000 | 5,963 |
| Total interest expense | $1,017,000 | 3,012 |
| Net interest income | $-52,000 | 8,236 |
| Provision for loan and lease losses | $492,000 | 1,791 |
| Total noninterest income | $-488,000 | 8,196 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $36,000 | 5,210 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-524,000 | 8,196 |
| Total noninterest expense | $853,000 | 4,759 |
| Salaries and employee benefits | $337,000 | 5,660 |
| Premises and equipment expense | $101,000 | 5,089 |
| Additional noninterest expense | $415,000 | 3,474 |
| Pre-tax net operating income | $-1,885,000 | 7,814 |
| Securities gains (losses) | $37,000 | 1,424 |
| Applicable income taxes | $-1,168,000 | 8,031 |
| Income before extraordinary items | $-680,000 | 7,574 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-680,000 | 7,575 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-680,000 | 7,575 |
| Net charge-offs | $532,000 | 1,326 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-703,680 | 7,572 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,177,000 | 4,856 |
| Total interest expense | $4,730,000 | 3,115 |
| Net interest income | $1,447,000 | 7,075 |
| Provision for loan and lease losses | $3,719,000 | 1,212 |
| Total noninterest income | $-958,000 | 8,250 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $138,000 | 5,468 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-1,096,000 | 8,252 |
| Total noninterest expense | $3,503,000 | 4,640 |
| Salaries and employee benefits | $1,783,000 | 4,822 |
| Premises and equipment expense | $460,000 | 4,699 |
| Additional noninterest expense | $1,260,000 | 4,131 |
| Pre-tax net operating income | $-6,733,000 | 7,890 |
| Securities gains (losses) | $5,000 | 2,760 |
| Applicable income taxes | $-500,000 | 7,500 |
| Income before extraordinary items | $-6,228,000 | 7,881 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,228,000 | 7,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,950,000 | 821 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 1,242 |
| Net operating income | $-6,232,650 | 7,924 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,080,000 | 4,660 |
| Total interest expense | $3,611,000 | 3,161 |
| Net interest income | $1,469,000 | 6,514 |
| Provision for loan and lease losses | $836,000 | 2,036 |
| Total noninterest income | $-1,830,000 | 8,355 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $102,000 | 5,502 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-1,932,000 | 8,368 |
| Total noninterest expense | $2,817,000 | 4,424 |
| Salaries and employee benefits | $1,426,000 | 4,637 |
| Premises and equipment expense | $358,000 | 4,593 |
| Additional noninterest expense | $1,033,000 | 3,773 |
| Pre-tax net operating income | $-4,014,000 | 8,082 |
| Securities gains (losses) | $2,000 | 2,845 |
| Applicable income taxes | $-500,000 | 7,884 |
| Income before extraordinary items | $-3,512,000 | 8,052 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,512,000 | 8,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $795,000 | 1,497 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,100 |
| Net operating income | $-3,513,760 | 8,105 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,626,000 | 4,505 |
| Total interest expense | $2,486,000 | 3,203 |
| Net interest income | $1,140,000 | 6,178 |
| Provision for loan and lease losses | $83,000 | 4,560 |
| Total noninterest income | $47,000 | 7,556 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $63,000 | 5,622 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-16,000 | 8,336 |
| Total noninterest expense | $1,922,000 | 4,369 |
| Salaries and employee benefits | $985,000 | 4,573 |
| Premises and equipment expense | $238,000 | 4,642 |
| Additional noninterest expense | $699,000 | 3,727 |
| Pre-tax net operating income | $-818,000 | 7,805 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $-299,000 | 8,069 |
| Income before extraordinary items | $-518,000 | 7,710 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-518,000 | 7,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $812,000 | 977 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,007 |
| Net operating income | $-518,640 | 7,691 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,026,000 | 4,272 |
| Total interest expense | $1,310,000 | 3,228 |
| Net interest income | $716,000 | 5,617 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $51,000 | 6,636 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $29,000 | 5,728 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $22,000 | 6,334 |
| Total noninterest expense | $1,046,000 | 4,111 |
| Salaries and employee benefits | $525,000 | 4,384 |
| Premises and equipment expense | $119,000 | 4,656 |
| Additional noninterest expense | $402,000 | 3,294 |
| Pre-tax net operating income | $-354,000 | 7,961 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-130,000 | 8,185 |
| Income before extraordinary items | $-224,000 | 7,880 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-224,000 | 7,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 1,345 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 895 |
| Net operating income | $-224,000 | 7,849 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,674,000 | 3,848 |
| Total interest expense | $5,176,000 | 3,385 |
| Net interest income | $4,498,000 | 4,294 |
| Provision for loan and lease losses | $1,097,000 | 1,331 |
| Total noninterest income | $308,000 | 5,988 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $114,000 | 5,843 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $194,000 | 5,123 |
| Total noninterest expense | $3,667,000 | 4,380 |
| Salaries and employee benefits | $2,266,000 | 3,991 |
| Premises and equipment expense | $450,000 | 4,671 |
| Additional noninterest expense | $951,000 | 4,801 |
| Pre-tax net operating income | $42,000 | 7,314 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-2,000 | 7,716 |
| Income before extraordinary items | $44,000 | 7,347 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $44,000 | 7,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,709 |
| Cash dividends | $218,000 | 4,798 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,160 |
| Net operating income | $44,000 | 7,318 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,567,000 | 3,755 |
| Total interest expense | $3,823,000 | 3,418 |
| Net interest income | $3,744,000 | 4,017 |
| Provision for loan and lease losses | $42,000 | 5,286 |
| Total noninterest income | $230,000 | 6,045 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $84,000 | 5,898 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $146,000 | 5,142 |
| Total noninterest expense | $2,856,000 | 4,236 |
| Salaries and employee benefits | $1,813,000 | 3,811 |
| Premises and equipment expense | $344,000 | 4,592 |
| Additional noninterest expense | $699,000 | 4,799 |
| Pre-tax net operating income | $1,076,000 | 4,193 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $388,000 | 2,838 |
| Income before extraordinary items | $688,000 | 4,705 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $688,000 | 4,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,320 |
| Cash dividends | $218,000 | 4,021 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,019 |
| Net operating income | $688,000 | 4,695 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,957,000 | 3,807 |
| Total interest expense | $2,465,000 | 3,492 |
| Net interest income | $2,492,000 | 4,032 |
| Provision for loan and lease losses | $15,000 | 5,502 |
| Total noninterest income | $146,000 | 6,185 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $53,000 | 6,010 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $93,000 | 5,248 |
| Total noninterest expense | $1,900,000 | 4,277 |
| Salaries and employee benefits | $1,228,000 | 3,812 |
| Premises and equipment expense | $220,000 | 4,737 |
| Additional noninterest expense | $452,000 | 4,905 |
| Pre-tax net operating income | $723,000 | 4,241 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $261,000 | 2,903 |
| Income before extraordinary items | $462,000 | 4,739 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $462,000 | 4,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 934 |
| Net operating income | $462,000 | 4,733 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,384,000 | 3,909 |
| Total interest expense | $1,178,000 | 3,581 |
| Net interest income | $1,206,000 | 4,146 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $78,000 | 6,021 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $23,000 | 6,169 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $55,000 | 4,922 |
| Total noninterest expense | $890,000 | 4,467 |
| Salaries and employee benefits | $590,000 | 3,938 |
| Premises and equipment expense | $100,000 | 5,048 |
| Additional noninterest expense | $200,000 | 5,262 |
| Pre-tax net operating income | $379,000 | 4,121 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $137,000 | 2,850 |
| Income before extraordinary items | $242,000 | 4,642 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $242,000 | 4,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 788 |
| Net operating income | $242,000 | 4,629 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,123,000 | 4,155 |
| Total interest expense | $3,472,000 | 3,935 |
| Net interest income | $4,651,000 | 4,237 |
| Provision for loan and lease losses | $40,000 | 5,799 |
| Total noninterest income | $272,000 | 6,367 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $75,000 | 6,508 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $197,000 | 5,152 |
| Total noninterest expense | $2,690,000 | 5,252 |
| Salaries and employee benefits | $1,708,000 | 4,786 |
| Premises and equipment expense | $248,000 | 6,236 |
| Additional noninterest expense | $734,000 | 5,510 |
| Pre-tax net operating income | $2,193,000 | 3,440 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $806,000 | 2,465 |
| Income before extraordinary items | $1,387,000 | 3,954 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,387,000 | 3,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,784 |
| Cash dividends | $254,000 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $281,000 | 696 |
| Net operating income | $1,387,000 | 3,933 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,769,000 | 4,280 |
| Total interest expense | $2,386,000 | 4,083 |
| Net interest income | $3,383,000 | 4,363 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $195,000 | 6,503 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $54,000 | 6,637 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $141,000 | 5,243 |
| Total noninterest expense | $1,865,000 | 5,484 |
| Salaries and employee benefits | $1,182,000 | 5,015 |
| Premises and equipment expense | $167,000 | 6,509 |
| Additional noninterest expense | $516,000 | 5,675 |
| Pre-tax net operating income | $1,713,000 | 3,476 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $616,000 | 2,554 |
| Income before extraordinary items | $1,097,000 | 3,941 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,097,000 | 3,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,572 |
| Cash dividends | $254,000 | 3,880 |
| Sale, conversion, retirement of capital stock, net | $273,000 | 539 |
| Net operating income | $1,097,000 | 3,927 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,679,000 | 4,353 |
| Total interest expense | $1,472,000 | 4,163 |
| Net interest income | $2,207,000 | 4,433 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $124,000 | 6,600 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $35,000 | 6,693 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $89,000 | 5,375 |
| Total noninterest expense | $1,181,000 | 5,655 |
| Salaries and employee benefits | $751,000 | 5,187 |
| Premises and equipment expense | $105,000 | 6,661 |
| Additional noninterest expense | $325,000 | 5,834 |
| Pre-tax net operating income | $1,150,000 | 3,454 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $411,000 | 2,582 |
| Income before extraordinary items | $739,000 | 3,923 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $739,000 | 3,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 808 |
| Net operating income | $739,000 | 3,914 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,726,000 | 4,499 |
| Total interest expense | $690,000 | 4,209 |
| Net interest income | $1,036,000 | 4,608 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $50,000 | 6,943 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $18,000 | 6,650 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 5,945 |
| Total noninterest expense | $562,000 | 5,820 |
| Salaries and employee benefits | $361,000 | 5,335 |
| Premises and equipment expense | $48,000 | 6,838 |
| Additional noninterest expense | $153,000 | 6,001 |
| Pre-tax net operating income | $524,000 | 3,624 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $188,000 | 2,696 |
| Income before extraordinary items | $336,000 | 4,125 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $336,000 | 4,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $336,000 | 4,108 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,728,000 | 4,733 |
| Total interest expense | $2,020,000 | 4,404 |
| Net interest income | $3,708,000 | 4,851 |
| Provision for loan and lease losses | $39,000 | 6,015 |
| Total noninterest income | $189,000 | 7,156 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $63,000 | 6,871 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $126,000 | 6,027 |
| Total noninterest expense | $2,103,000 | 5,944 |
| Salaries and employee benefits | $1,271,000 | 5,593 |
| Premises and equipment expense | $205,000 | 6,681 |
| Additional noninterest expense | $627,000 | 5,921 |
| Pre-tax net operating income | $1,755,000 | 4,012 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $612,000 | 3,043 |
| Income before extraordinary items | $1,143,000 | 4,470 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,143,000 | 4,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,345 |
| Cash dividends | $212,000 | 4,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,143,000 | 4,425 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,126,000 | 4,819 |
| Total interest expense | $1,400,000 | 4,511 |
| Net interest income | $2,726,000 | 4,927 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $138,000 | 7,213 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $46,000 | 6,939 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $92,000 | 6,075 |
| Total noninterest expense | $1,565,000 | 5,921 |
| Salaries and employee benefits | $945,000 | 5,612 |
| Premises and equipment expense | $153,000 | 6,664 |
| Additional noninterest expense | $467,000 | 5,914 |
| Pre-tax net operating income | $1,299,000 | 4,121 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $450,000 | 3,121 |
| Income before extraordinary items | $849,000 | 4,598 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $849,000 | 4,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,265 |
| Cash dividends | $212,000 | 3,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $849,000 | 4,560 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,662,000 | 4,864 |
| Total interest expense | $861,000 | 4,567 |
| Net interest income | $1,801,000 | 4,940 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $94,000 | 7,161 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $29,000 | 6,990 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $65,000 | 6,001 |
| Total noninterest expense | $1,003,000 | 6,057 |
| Salaries and employee benefits | $606,000 | 5,715 |
| Premises and equipment expense | $101,000 | 6,676 |
| Additional noninterest expense | $296,000 | 6,043 |
| Pre-tax net operating income | $892,000 | 4,013 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $310,000 | 3,046 |
| Income before extraordinary items | $582,000 | 4,495 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $582,000 | 4,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,223 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $582,000 | 4,447 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,246,000 | 5,066 |
| Total interest expense | $390,000 | 4,758 |
| Net interest income | $856,000 | 5,114 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $45,000 | 7,228 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,174 |
| Total noninterest expense | $512,000 | 6,023 |
| Salaries and employee benefits | $293,000 | 5,853 |
| Premises and equipment expense | $53,000 | 6,627 |
| Additional noninterest expense | $166,000 | 5,678 |
| Pre-tax net operating income | $389,000 | 4,347 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $135,000 | 3,271 |
| Income before extraordinary items | $254,000 | 4,825 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $254,000 | 4,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,351 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $254,000 | 4,785 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,345,000 | 5,303 |
| Total interest expense | $1,251,000 | 5,007 |
| Net interest income | $3,094,000 | 5,319 |
| Provision for loan and lease losses | $193,000 | 3,763 |
| Total noninterest income | $227,000 | 6,948 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $59,000 | 7,138 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $168,000 | 5,470 |
| Total noninterest expense | $1,862,000 | 6,257 |
| Salaries and employee benefits | $1,090,000 | 6,003 |
| Premises and equipment expense | $195,000 | 6,820 |
| Additional noninterest expense | $577,000 | 6,113 |
| Pre-tax net operating income | $1,266,000 | 4,658 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $440,000 | 3,552 |
| Income before extraordinary items | $834,000 | 5,167 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $834,000 | 5,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,636 |
| Cash dividends | $141,000 | 5,233 |
| Sale, conversion, retirement of capital stock, net | $270,000 | 534 |
| Net operating income | $828,800 | 5,112 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,207,000 | 5,321 |
| Total interest expense | $897,000 | 5,104 |
| Net interest income | $2,310,000 | 5,330 |
| Provision for loan and lease losses | $103,000 | 4,224 |
| Total noninterest income | $146,000 | 7,243 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $44,000 | 7,182 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $102,000 | 5,884 |
| Total noninterest expense | $1,397,000 | 6,211 |
| Salaries and employee benefits | $830,000 | 5,899 |
| Premises and equipment expense | $144,000 | 6,819 |
| Additional noninterest expense | $423,000 | 6,144 |
| Pre-tax net operating income | $956,000 | 4,706 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $334,000 | 3,596 |
| Income before extraordinary items | $630,000 | 5,239 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $630,000 | 5,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,844 |
| Cash dividends | $141,000 | 4,363 |
| Sale, conversion, retirement of capital stock, net | $260,000 | 413 |
| Net operating income | $624,800 | 5,171 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,107,000 | 5,384 |
| Total interest expense | $569,000 | 5,268 |
| Net interest income | $1,538,000 | 5,321 |
| Provision for loan and lease losses | $58,000 | 4,543 |
| Total noninterest income | $111,000 | 7,053 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $28,000 | 7,267 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $83,000 | 5,537 |
| Total noninterest expense | $956,000 | 6,157 |
| Salaries and employee benefits | $568,000 | 5,860 |
| Premises and equipment expense | $95,000 | 6,896 |
| Additional noninterest expense | $293,000 | 6,043 |
| Pre-tax net operating income | $635,000 | 4,689 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $223,000 | 3,578 |
| Income before extraordinary items | $420,000 | 5,201 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $420,000 | 5,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $414,800 | 5,145 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,029,000 | 5,492 |
| Total interest expense | $272,000 | 5,466 |
| Net interest income | $757,000 | 5,389 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $61,000 | 6,830 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $16,000 | 7,105 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $45,000 | 5,324 |
| Total noninterest expense | $458,000 | 6,343 |
| Salaries and employee benefits | $278,000 | 5,970 |
| Premises and equipment expense | $48,000 | 6,879 |
| Additional noninterest expense | $132,000 | 6,385 |
| Pre-tax net operating income | $345,000 | 4,478 |
| Securities gains (losses) | $8,000 | 2,145 |
| Applicable income taxes | $122,000 | 3,464 |
| Income before extraordinary items | $231,000 | 4,963 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $231,000 | 4,962 |
| 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 | $225,800 | 4,898 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,950,000 | 5,689 |
| Total interest expense | $1,257,000 | 5,408 |
| Net interest income | $2,693,000 | 5,650 |
| Provision for loan and lease losses | $53,000 | 6,206 |
| Total noninterest income | $302,000 | 6,582 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $72,000 | 7,052 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $230,000 | 5,002 |
| Total noninterest expense | $1,838,000 | 6,284 |
| Salaries and employee benefits | $1,101,000 | 5,931 |
| Premises and equipment expense | $220,000 | 6,535 |
| Additional noninterest expense | $517,000 | 6,451 |
| Pre-tax net operating income | $1,104,000 | 4,907 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $361,000 | 3,974 |
| Income before extraordinary items | $743,000 | 5,423 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $743,000 | 5,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,046 |
| Cash dividends | $102,000 | 5,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $743,000 | 5,277 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,983,000 | 5,724 |
| Total interest expense | $989,000 | 5,414 |
| Net interest income | $1,994,000 | 5,723 |
| Provision for loan and lease losses | $53,000 | 5,711 |
| Total noninterest income | $251,000 | 6,398 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $58,000 | 7,002 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $193,000 | 4,870 |
| Total noninterest expense | $1,373,000 | 6,246 |
| Salaries and employee benefits | $797,000 | 6,018 |
| Premises and equipment expense | $165,000 | 6,542 |
| Additional noninterest expense | $411,000 | 6,265 |
| Pre-tax net operating income | $819,000 | 5,062 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $275,000 | 4,082 |
| Income before extraordinary items | $544,000 | 5,643 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $544,000 | 5,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $102,000 | 4,685 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $544,000 | 5,462 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,011,000 | 5,727 |
| Total interest expense | $696,000 | 5,368 |
| Net interest income | $1,315,000 | 5,748 |
| Provision for loan and lease losses | $43,000 | 5,377 |
| Total noninterest income | $165,000 | 6,415 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $40,000 | 6,948 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $125,000 | 4,923 |
| Total noninterest expense | $917,000 | 6,273 |
| Salaries and employee benefits | $532,000 | 6,030 |
| Premises and equipment expense | $109,000 | 6,544 |
| Additional noninterest expense | $276,000 | 6,233 |
| Pre-tax net operating income | $520,000 | 5,226 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $173,000 | 4,251 |
| Income before extraordinary items | $347,000 | 5,751 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $347,000 | 5,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,353 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $347,000 | 5,545 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,035,000 | 5,653 |
| Total interest expense | $360,000 | 5,361 |
| Net interest income | $675,000 | 5,658 |
| Provision for loan and lease losses | $16,000 | 5,479 |
| Total noninterest income | $78,000 | 6,491 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $60,000 | 4,921 |
| Total noninterest expense | $461,000 | 6,260 |
| Salaries and employee benefits | $267,000 | 6,021 |
| Premises and equipment expense | $55,000 | 6,522 |
| Additional noninterest expense | $139,000 | 6,198 |
| Pre-tax net operating income | $276,000 | 5,002 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $93,000 | 4,071 |
| Income before extraordinary items | $183,000 | 5,539 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $183,000 | 5,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $183,000 | 5,342 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,110,000 | 5,815 |
| Total interest expense | $1,506,000 | 5,709 |
| Net interest income | $2,604,000 | 5,773 |
| Provision for loan and lease losses | $64,000 | 6,398 |
| Total noninterest income | $220,000 | 7,111 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $67,000 | 7,191 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $153,000 | 5,555 |
| Total noninterest expense | $1,726,000 | 6,402 |
| Salaries and employee benefits | $1,009,000 | 6,116 |
| Premises and equipment expense | $224,000 | 6,471 |
| Additional noninterest expense | $493,000 | 6,548 |
| Pre-tax net operating income | $1,034,000 | 5,122 |
| Securities gains (losses) | $71,000 | 2,079 |
| Applicable income taxes | $387,000 | 3,950 |
| Income before extraordinary items | $718,000 | 5,491 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $718,000 | 5,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,753 |
| Cash dividends | $68,000 | 5,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $671,850 | 5,515 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,523,000 | 5,952 |
| Total interest expense | $2,247,000 | 5,752 |
| Net interest income | $2,276,000 | 6,022 |
| Provision for loan and lease losses | $38,000 | 7,009 |
| Total noninterest income | $177,000 | 7,554 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $56,000 | 7,471 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $121,000 | 5,991 |
| Total noninterest expense | $1,631,000 | 6,508 |
| Salaries and employee benefits | $935,000 | 6,219 |
| Premises and equipment expense | $225,000 | 6,420 |
| Additional noninterest expense | $471,000 | 6,644 |
| Pre-tax net operating income | $784,000 | 5,540 |
| Securities gains (losses) | $14,000 | 3,398 |
| Applicable income taxes | $278,000 | 4,417 |
| Income before extraordinary items | $520,000 | 5,967 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $520,000 | 5,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,052 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 905 |
| Net operating income | $510,900 | 5,908 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,316,000 | 6,241 |
| Total interest expense | $2,215,000 | 5,955 |
| Net interest income | $2,101,000 | 6,418 |
| Provision for loan and lease losses | $159,000 | 4,289 |
| Total noninterest income | $116,000 | 8,367 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 7,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 7,858 |
| Total noninterest expense | $1,360,000 | 7,092 |
| Salaries and employee benefits | $725,000 | 7,081 |
| Premises and equipment expense | $230,000 | 6,312 |
| Additional noninterest expense | $405,000 | 7,106 |
| Pre-tax net operating income | $698,000 | 6,230 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $149,000 | 5,935 |
| Income before extraordinary items | $549,000 | 6,082 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $549,000 | 6,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 923 |
| Net operating income | $549,000 | 6,086 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,046,000 | 7,325 |
| Total interest expense | $1,456,000 | 7,081 |
| Net interest income | $1,590,000 | 7,411 |
| Provision for loan and lease losses | $288,000 | 2,769 |
| Total noninterest income | $99,000 | 8,840 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 8,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 7,548 |
| Total noninterest expense | $1,171,000 | 7,640 |
| Salaries and employee benefits | $614,000 | 7,674 |
| Premises and equipment expense | $190,000 | 6,970 |
| Additional noninterest expense | $367,000 | 7,564 |
| Pre-tax net operating income | $230,000 | 8,430 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $229,000 | 8,092 |
| Extraordinary gains, net | $-30,000 | 10,170 |
| Net income | $199,000 | 8,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $230,000 | 8,056 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $966,000 | 9,882 |
| Total interest expense | $371,000 | 9,936 |
| Net interest income | $595,000 | 9,749 |
| Provision for loan and lease losses | $210,000 | 3,403 |
| Total noninterest income | $10,000 | 10,291 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 8,918 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,282 |
| Total noninterest expense | $874,000 | 8,513 |
| Salaries and employee benefits | $469,000 | 8,545 |
| Premises and equipment expense | $105,000 | 8,597 |
| Additional noninterest expense | $300,000 | 8,126 |
| Pre-tax net operating income | $-479,000 | 10,174 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-473,000 | 10,213 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-473,000 | 10,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $6,800,000 | 177 |
| Net operating income | $-479,000 | 10,183 |
* 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.