Home > First Southern Bank > Income and Expense
First Southern Bank, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,125,000 | 3,566 |
| Total interest expense | $1,821,000 | 3,182 |
| Net interest income | $4,304,000 | 3,639 |
| Provision for loan and lease losses | $474,000 | 3,642 |
| Total noninterest income | $152,000 | 6,056 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $68,000 | 5,689 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $84,000 | 5,416 |
| Total noninterest expense | $3,427,000 | 3,863 |
| Salaries and employee benefits | $1,743,000 | 3,829 |
| Premises and equipment expense | $356,000 | 4,387 |
| Additional noninterest expense | $1,328,000 | 3,550 |
| Pre-tax net operating income | $555,000 | 4,060 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $45,000 | 3,623 |
| Income before extraordinary items | $510,000 | 4,073 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $510,000 | 4,076 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $510,000 | 4,076 |
| Net charge-offs | $745,000 | 2,560 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $5,552,000 | 99 |
| Net operating income | $510,000 | 3,925 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,779,000 | 3,813 |
| Total interest expense | $1,111,000 | 3,515 |
| Net interest income | $2,668,000 | 3,841 |
| Provision for loan and lease losses | $308,000 | 3,553 |
| Total noninterest income | $90,000 | 6,232 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $47,000 | 5,677 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $43,000 | 5,756 |
| Total noninterest expense | $2,209,000 | 3,957 |
| Salaries and employee benefits | $1,126,000 | 3,946 |
| Premises and equipment expense | $231,000 | 4,483 |
| Additional noninterest expense | $852,000 | 3,634 |
| Pre-tax net operating income | $241,000 | 4,696 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-115,000 | 7,220 |
| Income before extraordinary items | $356,000 | 3,980 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $356,000 | 3,978 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $356,000 | 3,979 |
| Net charge-offs | $108,000 | 4,157 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 892 |
| Net operating income | $356,000 | 3,857 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 4,069 |
| Total interest expense | $532,000 | 3,763 |
| Net interest income | $1,223,000 | 4,099 |
| Provision for loan and lease losses | $86,000 | 4,184 |
| Total noninterest income | $37,000 | 6,501 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $23,000 | 5,727 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $14,000 | 6,333 |
| Total noninterest expense | $1,073,000 | 4,079 |
| Salaries and employee benefits | $544,000 | 4,107 |
| Premises and equipment expense | $116,000 | 4,561 |
| Additional noninterest expense | $413,000 | 3,722 |
| Pre-tax net operating income | $101,000 | 5,036 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $101,000 | 4,958 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $101,000 | 4,959 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $101,000 | 4,958 |
| Net charge-offs | $113,000 | 2,991 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 851 |
| Net operating income | $101,000 | 4,849 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,072,000 | 4,580 |
| Total interest expense | $2,147,000 | 4,253 |
| Net interest income | $3,925,000 | 4,614 |
| Provision for loan and lease losses | $1,844,000 | 2,597 |
| Total noninterest income | $142,000 | 6,638 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $98,000 | 5,781 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $44,000 | 6,494 |
| Total noninterest expense | $2,958,000 | 5,229 |
| Salaries and employee benefits | $1,419,000 | 5,362 |
| Premises and equipment expense | $382,000 | 5,111 |
| Additional noninterest expense | $1,157,000 | 4,843 |
| Pre-tax net operating income | $-735,000 | 6,137 |
| Securities gains (losses) | $376,000 | 1,056 |
| Applicable income taxes | $-255,000 | 6,826 |
| Income before extraordinary items | $-104,000 | 5,708 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-104,000 | 5,707 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-104,000 | 5,707 |
| Net charge-offs | $827,000 | 3,134 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $437,000 | 571 |
| Net operating income | $-344,640 | 5,966 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,477,000 | 4,689 |
| Total interest expense | $1,576,000 | 4,448 |
| Net interest income | $2,901,000 | 4,679 |
| Provision for loan and lease losses | $1,335,000 | 2,374 |
| Total noninterest income | $155,000 | 6,284 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $75,000 | 5,800 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $80,000 | 5,686 |
| Total noninterest expense | $1,972,000 | 5,553 |
| Salaries and employee benefits | $929,000 | 5,786 |
| Premises and equipment expense | $240,000 | 5,553 |
| Additional noninterest expense | $803,000 | 5,049 |
| Pre-tax net operating income | $-251,000 | 6,083 |
| Securities gains (losses) | $377,000 | 846 |
| Applicable income taxes | $3,000 | 4,321 |
| Income before extraordinary items | $123,000 | 5,213 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $123,000 | 5,211 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $123,000 | 5,211 |
| Net charge-offs | $88,000 | 5,172 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $428,000 | 460 |
| Net operating income | $-246,460 | 6,153 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,944,000 | 4,762 |
| Total interest expense | $1,070,000 | 4,533 |
| Net interest income | $1,874,000 | 4,767 |
| Provision for loan and lease losses | $303,000 | 3,668 |
| Total noninterest income | $98,000 | 6,402 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $49,000 | 5,826 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $49,000 | 5,874 |
| Total noninterest expense | $1,240,000 | 5,768 |
| Salaries and employee benefits | $589,000 | 5,967 |
| Premises and equipment expense | $152,000 | 5,719 |
| Additional noninterest expense | $499,000 | 5,257 |
| Pre-tax net operating income | $429,000 | 3,566 |
| Securities gains (losses) | $25,000 | 2,233 |
| Applicable income taxes | $136,000 | 2,362 |
| Income before extraordinary items | $318,000 | 3,876 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $318,000 | 3,875 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $318,000 | 3,875 |
| Net charge-offs | $10,000 | 5,988 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $420,000 | 367 |
| Net operating income | $300,500 | 3,844 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,420,000 | 4,911 |
| Total interest expense | $567,000 | 4,486 |
| Net interest income | $853,000 | 5,032 |
| Provision for loan and lease losses | $78,000 | 4,265 |
| Total noninterest income | $49,000 | 6,415 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $21,000 | 6,011 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $28,000 | 5,720 |
| Total noninterest expense | $587,000 | 5,878 |
| Salaries and employee benefits | $295,000 | 6,015 |
| Premises and equipment expense | $74,000 | 5,827 |
| Additional noninterest expense | $218,000 | 5,367 |
| Pre-tax net operating income | $237,000 | 3,741 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $84,000 | 2,361 |
| Income before extraordinary items | $153,000 | 4,316 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $153,000 | 4,318 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $153,000 | 4,319 |
| Net charge-offs | $8,000 | 4,870 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 842 |
| Net operating income | $153,000 | 4,152 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,399,000 | 5,251 |
| Total interest expense | $2,429,000 | 4,816 |
| Net interest income | $2,970,000 | 5,443 |
| Provision for loan and lease losses | $196,000 | 5,236 |
| Total noninterest income | $123,000 | 7,077 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $74,000 | 6,272 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $49,000 | 6,777 |
| Total noninterest expense | $2,314,000 | 5,839 |
| Salaries and employee benefits | $1,243,000 | 5,865 |
| Premises and equipment expense | $308,000 | 5,735 |
| Additional noninterest expense | $763,000 | 5,595 |
| Pre-tax net operating income | $583,000 | 4,650 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $239,000 | 2,649 |
| Income before extraordinary items | $344,000 | 4,945 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $344,000 | 4,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 5,195 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 1,050 |
| Net operating income | $344,000 | 5,106 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,034,000 | 5,325 |
| Total interest expense | $1,844,000 | 4,902 |
| Net interest income | $2,190,000 | 5,532 |
| Provision for loan and lease losses | $111,000 | 5,041 |
| Total noninterest income | $92,000 | 7,193 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $53,000 | 6,369 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $39,000 | 6,860 |
| Total noninterest expense | $1,715,000 | 5,871 |
| Salaries and employee benefits | $916,000 | 5,930 |
| Premises and equipment expense | $226,000 | 5,795 |
| Additional noninterest expense | $573,000 | 5,550 |
| Pre-tax net operating income | $456,000 | 5,076 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $186,000 | 2,995 |
| Income before extraordinary items | $270,000 | 5,344 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $270,000 | 5,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,201 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 919 |
| Net operating income | $270,000 | 5,517 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,709,000 | 5,368 |
| Total interest expense | $1,270,000 | 4,960 |
| Net interest income | $1,439,000 | 5,578 |
| Provision for loan and lease losses | $35,000 | 5,494 |
| Total noninterest income | $59,000 | 7,304 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $33,000 | 6,468 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $26,000 | 6,950 |
| Total noninterest expense | $1,125,000 | 5,954 |
| Salaries and employee benefits | $601,000 | 6,048 |
| Premises and equipment expense | $148,000 | 5,864 |
| Additional noninterest expense | $376,000 | 5,587 |
| Pre-tax net operating income | $338,000 | 5,103 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $139,000 | 3,115 |
| Income before extraordinary items | $199,000 | 5,612 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $199,000 | 5,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,294 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 847 |
| Net operating income | $199,000 | 5,551 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,385,000 | 5,412 |
| Total interest expense | $681,000 | 4,948 |
| Net interest income | $704,000 | 5,671 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $27,000 | 7,420 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $16,000 | 6,480 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $11,000 | 7,150 |
| Total noninterest expense | $545,000 | 6,076 |
| Salaries and employee benefits | $297,000 | 6,113 |
| Premises and equipment expense | $73,000 | 5,950 |
| Additional noninterest expense | $175,000 | 5,750 |
| Pre-tax net operating income | $186,000 | 5,081 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $73,000 | 3,154 |
| Income before extraordinary items | $113,000 | 5,665 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $113,000 | 5,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,006 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 708 |
| Net operating income | $113,000 | 5,560 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,563,000 | 5,441 |
| Total interest expense | $3,126,000 | 4,670 |
| Net interest income | $2,437,000 | 6,040 |
| Provision for loan and lease losses | $155,000 | 4,277 |
| Total noninterest income | $99,000 | 7,569 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $53,000 | 6,700 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $46,000 | 7,175 |
| Total noninterest expense | $2,020,000 | 6,193 |
| Salaries and employee benefits | $1,145,000 | 6,102 |
| Premises and equipment expense | $285,000 | 5,906 |
| Additional noninterest expense | $590,000 | 6,164 |
| Pre-tax net operating income | $361,000 | 6,389 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $150,000 | 4,132 |
| Income before extraordinary items | $211,000 | 6,753 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $211,000 | 6,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,483 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 1,004 |
| Net operating income | $211,000 | 6,731 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,085,000 | 5,515 |
| Total interest expense | $2,315,000 | 4,726 |
| Net interest income | $1,770,000 | 6,157 |
| Provision for loan and lease losses | $85,000 | 4,429 |
| Total noninterest income | $71,000 | 7,669 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $37,000 | 6,798 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $34,000 | 7,219 |
| Total noninterest expense | $1,461,000 | 6,273 |
| Salaries and employee benefits | $842,000 | 6,155 |
| Premises and equipment expense | $203,000 | 6,034 |
| Additional noninterest expense | $416,000 | 6,288 |
| Pre-tax net operating income | $295,000 | 6,582 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $125,000 | 4,230 |
| Income before extraordinary items | $170,000 | 6,957 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $170,000 | 6,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,926 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 876 |
| Net operating income | $170,000 | 6,940 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,644,000 | 5,616 |
| Total interest expense | $1,512,000 | 4,774 |
| Net interest income | $1,132,000 | 6,298 |
| Provision for loan and lease losses | $62,000 | 3,964 |
| Total noninterest income | $47,000 | 7,728 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $24,000 | 6,860 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $23,000 | 7,240 |
| Total noninterest expense | $943,000 | 6,403 |
| Salaries and employee benefits | $560,000 | 6,220 |
| Premises and equipment expense | $128,000 | 6,211 |
| Additional noninterest expense | $255,000 | 6,547 |
| Pre-tax net operating income | $174,000 | 6,792 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $74,000 | 4,429 |
| Income before extraordinary items | $100,000 | 7,122 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $100,000 | 7,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 799 |
| Net operating income | $100,000 | 7,112 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,254,000 | 5,768 |
| Total interest expense | $718,000 | 4,903 |
| Net interest income | $536,000 | 6,465 |
| Provision for loan and lease losses | $25,000 | 4,116 |
| Total noninterest income | $21,000 | 7,834 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $12,000 | 6,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $9,000 | 7,488 |
| Total noninterest expense | $454,000 | 6,529 |
| Salaries and employee benefits | $274,000 | 6,313 |
| Premises and equipment expense | $61,000 | 6,362 |
| Additional noninterest expense | $119,000 | 6,711 |
| Pre-tax net operating income | $78,000 | 6,946 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $33,000 | 4,531 |
| Income before extraordinary items | $45,000 | 7,226 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $45,000 | 7,226 |
| 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 | $18,000 | 684 |
| Net operating income | $45,000 | 7,220 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,751,000 | 6,276 |
| Total interest expense | $1,886,000 | 5,561 |
| Net interest income | $1,865,000 | 6,719 |
| Provision for loan and lease losses | $282,000 | 2,902 |
| Total noninterest income | $82,000 | 7,918 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $40,000 | 7,036 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $42,000 | 7,436 |
| Total noninterest expense | $1,795,000 | 6,450 |
| Salaries and employee benefits | $1,111,000 | 6,129 |
| Premises and equipment expense | $244,000 | 6,271 |
| Additional noninterest expense | $440,000 | 6,856 |
| Pre-tax net operating income | $-130,000 | 8,066 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-20,000 | 8,217 |
| Income before extraordinary items | $-110,000 | 8,088 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-110,000 | 8,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,935 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 950 |
| Net operating income | $-110,000 | 8,080 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,563,000 | 6,501 |
| Total interest expense | $1,230,000 | 5,860 |
| Net interest income | $1,333,000 | 6,911 |
| Provision for loan and lease losses | $218,000 | 2,736 |
| Total noninterest income | $57,000 | 8,066 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $27,000 | 7,176 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,516 |
| Total noninterest expense | $1,343,000 | 6,461 |
| Salaries and employee benefits | $836,000 | 6,111 |
| Premises and equipment expense | $183,000 | 6,309 |
| Additional noninterest expense | $324,000 | 6,925 |
| Pre-tax net operating income | $-171,000 | 8,282 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-56,000 | 8,518 |
| Income before extraordinary items | $-115,000 | 8,259 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-115,000 | 8,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-115,000 | 8,251 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,489,000 | 6,835 |
| Total interest expense | $661,000 | 6,257 |
| Net interest income | $828,000 | 7,118 |
| Provision for loan and lease losses | $126,000 | 2,915 |
| Total noninterest income | $50,000 | 7,867 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $18,000 | 7,222 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $32,000 | 7,029 |
| Total noninterest expense | $876,000 | 6,545 |
| Salaries and employee benefits | $551,000 | 6,156 |
| Premises and equipment expense | $118,000 | 6,392 |
| Additional noninterest expense | $207,000 | 7,024 |
| Pre-tax net operating income | $-124,000 | 8,356 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-42,000 | 8,571 |
| Income before extraordinary items | $-82,000 | 8,328 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-82,000 | 8,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-82,000 | 8,324 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $647,000 | 7,120 |
| Total interest expense | $269,000 | 6,644 |
| Net interest income | $378,000 | 7,300 |
| Provision for loan and lease losses | $95,000 | 2,071 |
| Total noninterest income | $38,000 | 7,377 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $9,000 | 7,226 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $29,000 | 6,131 |
| Total noninterest expense | $440,000 | 6,538 |
| Salaries and employee benefits | $282,000 | 6,121 |
| Premises and equipment expense | $56,000 | 6,526 |
| Additional noninterest expense | $102,000 | 7,039 |
| Pre-tax net operating income | $-119,000 | 8,463 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-39,000 | 8,627 |
| Income before extraordinary items | $-80,000 | 8,432 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-80,000 | 8,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-80,000 | 8,416 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $739,000 | 8,515 |
| Total interest expense | $272,000 | 8,259 |
| Net interest income | $467,000 | 8,561 |
| Provision for loan and lease losses | $292,000 | 2,919 |
| Total noninterest income | $14,000 | 8,639 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $7,000 | 7,635 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,000 | 8,497 |
| Total noninterest expense | $1,496,000 | 6,889 |
| Salaries and employee benefits | $299,000 | 8,487 |
| Premises and equipment expense | $115,000 | 7,689 |
| Additional noninterest expense | $1,082,000 | 4,153 |
| Pre-tax net operating income | $-1,307,000 | 8,692 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-442,000 | 8,759 |
| Income before extraordinary items | $-865,000 | 8,642 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-865,000 | 8,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $12,943,000 | 141 |
| Net operating income | $-865,000 | 8,623 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $223,000 | 8,763 |
| Total interest expense | $76,000 | 8,665 |
| Net interest income | $147,000 | 8,774 |
| Provision for loan and lease losses | $239,000 | 2,624 |
| Total noninterest income | $60,000 | 8,185 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,000 | 7,737 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $1,038,000 | 7,083 |
| Salaries and employee benefits | $125,000 | 8,748 |
| Premises and equipment expense | $56,000 | 8,182 |
| Additional noninterest expense | $857,000 | 3,968 |
| Pre-tax net operating income | $-1,070,000 | 8,730 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-366,000 | 8,806 |
| Income before extraordinary items | $-704,000 | 8,698 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-704,000 | 8,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $9,975,000 | 140 |
| Net operating income | $-704,000 | 8,677 |
* 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.