Home > First Southern National Bank > Income and Expense
First Southern National Bank, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,692,000 | 3,612 |
| Total interest expense | $1,149,000 | 2,653 |
| Net interest income | $2,543,000 | 3,896 |
| Provision for loan and lease losses | $1,800,000 | 988 |
| Total noninterest income | $81,000 | 6,107 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $276,000 | 2,368 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-195,000 | 7,274 |
| Total noninterest expense | $2,958,000 | 3,132 |
| Salaries and employee benefits | $1,003,000 | 4,199 |
| Premises and equipment expense | $268,000 | 3,933 |
| Additional noninterest expense | $1,687,000 | 2,027 |
| Pre-tax net operating income | $-2,134,000 | 7,187 |
| Securities gains (losses) | $311,000 | 539 |
| Applicable income taxes | $3,000 | 4,420 |
| Income before extraordinary items | $-1,826,000 | 7,192 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,826,000 | 7,193 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,826,000 | 7,193 |
| Net charge-offs | $1,669,000 | 1,034 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,137,000 | 7,210 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,827,000 | 3,649 |
| Total interest expense | $628,000 | 2,542 |
| Net interest income | $1,199,000 | 4,048 |
| Provision for loan and lease losses | $1,800,000 | 559 |
| Total noninterest income | $-129,000 | 7,439 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $138,000 | 2,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-267,000 | 7,457 |
| Total noninterest expense | $1,748,000 | 2,707 |
| Salaries and employee benefits | $481,000 | 4,340 |
| Premises and equipment expense | $131,000 | 4,040 |
| Additional noninterest expense | $1,136,000 | 1,528 |
| Pre-tax net operating income | $-2,478,000 | 7,425 |
| Securities gains (losses) | $70,000 | 643 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-2,408,000 | 7,421 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-2,408,000 | 7,420 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,408,000 | 7,421 |
| Net charge-offs | $1,454,000 | 662 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-2,478,000 | 7,427 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,071,000 | 3,200 |
| Total interest expense | $3,939,000 | 2,024 |
| Net interest income | $5,132,000 | 3,885 |
| Provision for loan and lease losses | $11,755,000 | 584 |
| Total noninterest income | $-1,627,000 | 7,581 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $761,000 | 1,915 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-2,388,000 | 7,575 |
| Total noninterest expense | $5,325,000 | 3,423 |
| Salaries and employee benefits | $1,605,000 | 4,879 |
| Premises and equipment expense | $500,000 | 4,186 |
| Additional noninterest expense | $3,220,000 | 2,161 |
| Pre-tax net operating income | $-13,575,000 | 7,434 |
| Securities gains (losses) | $400,000 | 1,046 |
| Applicable income taxes | $1,189,000 | 1,077 |
| Income before extraordinary items | $-14,364,000 | 7,462 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-14,364,000 | 7,462 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-14,364,000 | 7,462 |
| Net charge-offs | $10,523,000 | 588 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-14,764,000 | 7,461 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,198,000 | 3,114 |
| Total interest expense | $3,206,000 | 1,948 |
| Net interest income | $3,992,000 | 3,845 |
| Provision for loan and lease losses | $4,750,000 | 910 |
| Total noninterest income | $-898,000 | 7,685 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $649,000 | 1,761 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-1,547,000 | 7,689 |
| Total noninterest expense | $3,800,000 | 3,570 |
| Salaries and employee benefits | $1,102,000 | 5,145 |
| Premises and equipment expense | $369,000 | 4,282 |
| Additional noninterest expense | $2,329,000 | 2,203 |
| Pre-tax net operating income | $-5,456,000 | 7,394 |
| Securities gains (losses) | $385,000 | 908 |
| Applicable income taxes | $-525,000 | 7,378 |
| Income before extraordinary items | $-4,546,000 | 7,395 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-4,546,000 | 7,395 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-4,546,000 | 7,395 |
| Net charge-offs | $4,532,000 | 842 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-4,892,500 | 7,395 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,060,000 | 3,019 |
| Total interest expense | $2,298,000 | 1,891 |
| Net interest income | $2,762,000 | 3,746 |
| Provision for loan and lease losses | $1,500,000 | 1,516 |
| Total noninterest income | $464,000 | 3,358 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $463,000 | 1,658 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,000 | 7,201 |
| Total noninterest expense | $2,901,000 | 3,199 |
| Salaries and employee benefits | $1,200,000 | 3,764 |
| Premises and equipment expense | $239,000 | 4,383 |
| Additional noninterest expense | $1,462,000 | 2,306 |
| Pre-tax net operating income | $-1,175,000 | 7,076 |
| Securities gains (losses) | $229,000 | 864 |
| Applicable income taxes | $-325,000 | 7,410 |
| Income before extraordinary items | $-621,000 | 6,927 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-621,000 | 6,927 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-621,000 | 6,927 |
| Net charge-offs | $1,106,000 | 1,615 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-772,140 | 6,964 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,590,000 | 3,008 |
| Total interest expense | $1,191,000 | 1,922 |
| Net interest income | $1,399,000 | 3,744 |
| Provision for loan and lease losses | $750,000 | 1,389 |
| Total noninterest income | $239,000 | 3,285 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $213,000 | 1,782 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $26,000 | 5,620 |
| Total noninterest expense | $1,451,000 | 3,232 |
| Salaries and employee benefits | $604,000 | 3,801 |
| Premises and equipment expense | $119,000 | 4,489 |
| Additional noninterest expense | $728,000 | 2,317 |
| Pre-tax net operating income | $-563,000 | 7,217 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-200,000 | 7,561 |
| Income before extraordinary items | $-363,000 | 7,148 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-363,000 | 7,151 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-363,000 | 7,149 |
| Net charge-offs | $589,000 | 1,465 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-363,000 | 7,117 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,800,000 | 2,798 |
| Total interest expense | $5,535,000 | 2,058 |
| Net interest income | $6,265,000 | 3,340 |
| Provision for loan and lease losses | $5,500,000 | 1,325 |
| Total noninterest income | $532,000 | 4,622 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $848,000 | 1,953 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-316,000 | 7,742 |
| Total noninterest expense | $5,880,000 | 3,235 |
| Salaries and employee benefits | $2,517,000 | 3,663 |
| Premises and equipment expense | $589,000 | 3,926 |
| Additional noninterest expense | $2,774,000 | 2,514 |
| Pre-tax net operating income | $-4,583,000 | 7,138 |
| Securities gains (losses) | $-847,000 | 7,679 |
| Applicable income taxes | $-1,500,000 | 7,422 |
| Income before extraordinary items | $-3,930,000 | 7,147 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,930,000 | 7,147 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,930,000 | 7,146 |
| Net charge-offs | $3,789,000 | 1,389 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,320,160 | 7,047 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,965,000 | 2,808 |
| Total interest expense | $4,308,000 | 2,078 |
| Net interest income | $4,657,000 | 3,368 |
| Provision for loan and lease losses | $2,500,000 | 1,659 |
| Total noninterest income | $882,000 | 3,078 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $656,000 | 1,902 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $226,000 | 4,081 |
| Total noninterest expense | $4,349,000 | 3,267 |
| Salaries and employee benefits | $1,899,000 | 3,691 |
| Premises and equipment expense | $420,000 | 4,112 |
| Additional noninterest expense | $2,030,000 | 2,535 |
| Pre-tax net operating income | $-1,310,000 | 6,791 |
| Securities gains (losses) | $-847,000 | 7,837 |
| Applicable income taxes | $-300,000 | 7,201 |
| Income before extraordinary items | $-1,857,000 | 7,125 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,857,000 | 7,124 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,857,000 | 7,124 |
| Net charge-offs | $1,965,000 | 1,509 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,128,580 | 6,804 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,958,000 | 2,852 |
| Total interest expense | $3,002,000 | 2,093 |
| Net interest income | $2,956,000 | 3,496 |
| Provision for loan and lease losses | $900,000 | 2,190 |
| Total noninterest income | $633,000 | 2,934 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $430,000 | 1,906 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $203,000 | 3,629 |
| Total noninterest expense | $2,840,000 | 3,362 |
| Salaries and employee benefits | $1,261,000 | 3,745 |
| Premises and equipment expense | $280,000 | 4,139 |
| Additional noninterest expense | $1,299,000 | 2,643 |
| Pre-tax net operating income | $-151,000 | 6,190 |
| Securities gains (losses) | $166,000 | 1,139 |
| Applicable income taxes | $-20,000 | 6,865 |
| Income before extraordinary items | $35,000 | 5,682 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $35,000 | 5,680 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $35,000 | 5,680 |
| Net charge-offs | $794,000 | 1,845 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-131,000 | 6,216 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,946,000 | 2,912 |
| Total interest expense | $1,531,000 | 2,132 |
| Net interest income | $1,415,000 | 3,615 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $321,000 | 2,899 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $212,000 | 1,874 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $109,000 | 3,517 |
| Total noninterest expense | $1,342,000 | 3,446 |
| Salaries and employee benefits | $618,000 | 3,837 |
| Premises and equipment expense | $142,000 | 4,138 |
| Additional noninterest expense | $582,000 | 2,630 |
| Pre-tax net operating income | $394,000 | 2,827 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $140,000 | 1,822 |
| Income before extraordinary items | $254,000 | 3,416 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $254,000 | 3,417 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $254,000 | 3,417 |
| Net charge-offs | $209,000 | 2,095 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $254,000 | 3,262 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,412,000 | 2,572 |
| Total interest expense | $7,838,000 | 2,004 |
| Net interest income | $6,574,000 | 3,230 |
| Provision for loan and lease losses | $3,547,000 | 1,256 |
| Total noninterest income | $1,360,000 | 2,813 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $965,000 | 1,814 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $395,000 | 3,614 |
| Total noninterest expense | $5,583,000 | 3,280 |
| Salaries and employee benefits | $2,546,000 | 3,734 |
| Premises and equipment expense | $546,000 | 4,229 |
| Additional noninterest expense | $2,491,000 | 2,348 |
| Pre-tax net operating income | $-1,196,000 | 7,104 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-515,000 | 7,512 |
| Income before extraordinary items | $-681,000 | 6,821 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-681,000 | 6,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,591,000 | 1,107 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-681,000 | 6,942 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,194,000 | 2,526 |
| Total interest expense | $6,222,000 | 1,987 |
| Net interest income | $4,972,000 | 3,232 |
| Provision for loan and lease losses | $1,797,000 | 1,268 |
| Total noninterest income | $992,000 | 2,932 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $679,000 | 1,919 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $313,000 | 3,618 |
| Total noninterest expense | $4,146,000 | 3,294 |
| Salaries and employee benefits | $1,938,000 | 3,711 |
| Premises and equipment expense | $410,000 | 4,238 |
| Additional noninterest expense | $1,798,000 | 2,369 |
| Pre-tax net operating income | $21,000 | 6,676 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-20,000 | 7,348 |
| Income before extraordinary items | $41,000 | 6,444 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $41,000 | 6,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $726,000 | 1,583 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $41,000 | 6,605 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,697,000 | 2,496 |
| Total interest expense | $4,369,000 | 1,982 |
| Net interest income | $3,328,000 | 3,210 |
| Provision for loan and lease losses | $2,072,000 | 767 |
| Total noninterest income | $660,000 | 2,952 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $424,000 | 2,006 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $236,000 | 3,459 |
| Total noninterest expense | $2,763,000 | 3,306 |
| Salaries and employee benefits | $1,379,000 | 3,553 |
| Premises and equipment expense | $275,000 | 4,237 |
| Additional noninterest expense | $1,109,000 | 2,509 |
| Pre-tax net operating income | $-847,000 | 7,822 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-308,000 | 8,078 |
| Income before extraordinary items | $-539,000 | 7,724 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-539,000 | 7,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 1,464 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-539,000 | 7,704 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,821,000 | 2,572 |
| Total interest expense | $2,123,000 | 2,139 |
| Net interest income | $1,698,000 | 3,159 |
| Provision for loan and lease losses | $186,000 | 1,903 |
| Total noninterest income | $309,000 | 3,069 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $183,000 | 2,237 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $126,000 | 3,352 |
| Total noninterest expense | $1,370,000 | 3,320 |
| Salaries and employee benefits | $699,000 | 3,541 |
| Premises and equipment expense | $143,000 | 4,131 |
| Additional noninterest expense | $528,000 | 2,588 |
| Pre-tax net operating income | $451,000 | 3,266 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $153,000 | 2,294 |
| Income before extraordinary items | $298,000 | 3,810 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $298,000 | 3,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,607 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $298,000 | 3,729 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,070,000 | 2,668 |
| Total interest expense | $7,647,000 | 2,424 |
| Net interest income | $7,423,000 | 2,941 |
| Provision for loan and lease losses | $795,000 | 1,686 |
| Total noninterest income | $1,071,000 | 3,399 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $553,000 | 2,839 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $518,000 | 3,240 |
| Total noninterest expense | $5,039,000 | 3,421 |
| Salaries and employee benefits | $2,510,000 | 3,702 |
| Premises and equipment expense | $508,000 | 4,314 |
| Additional noninterest expense | $2,021,000 | 2,652 |
| Pre-tax net operating income | $2,660,000 | 2,692 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $935,000 | 1,940 |
| Income before extraordinary items | $1,725,000 | 3,137 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,725,000 | 3,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $431,000 | 1,862 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,725,000 | 3,126 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,232,000 | 2,687 |
| Total interest expense | $5,647,000 | 2,454 |
| Net interest income | $5,585,000 | 2,930 |
| Provision for loan and lease losses | $545,000 | 1,460 |
| Total noninterest income | $822,000 | 3,336 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $405,000 | 2,869 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $417,000 | 3,132 |
| Total noninterest expense | $3,846,000 | 3,352 |
| Salaries and employee benefits | $1,941,000 | 3,612 |
| Premises and equipment expense | $401,000 | 4,167 |
| Additional noninterest expense | $1,504,000 | 2,613 |
| Pre-tax net operating income | $2,016,000 | 2,812 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $743,000 | 2,001 |
| Income before extraordinary items | $1,273,000 | 3,334 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,273,000 | 3,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 1,667 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,273,000 | 3,320 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,387,000 | 2,733 |
| Total interest expense | $3,678,000 | 2,508 |
| Net interest income | $3,709,000 | 2,966 |
| Provision for loan and lease losses | $370,000 | 1,308 |
| Total noninterest income | $537,000 | 3,412 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $254,000 | 3,002 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $283,000 | 3,119 |
| Total noninterest expense | $2,615,000 | 3,334 |
| Salaries and employee benefits | $1,330,000 | 3,574 |
| Premises and equipment expense | $267,000 | 4,182 |
| Additional noninterest expense | $1,018,000 | 2,586 |
| Pre-tax net operating income | $1,261,000 | 3,008 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $466,000 | 2,168 |
| Income before extraordinary items | $795,000 | 3,533 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $795,000 | 3,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,346 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $795,000 | 3,511 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,710,000 | 2,720 |
| Total interest expense | $1,848,000 | 2,480 |
| Net interest income | $1,862,000 | 2,950 |
| Provision for loan and lease losses | $220,000 | 1,090 |
| Total noninterest income | $285,000 | 3,220 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $139,000 | 2,749 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $146,000 | 3,072 |
| Total noninterest expense | $1,358,000 | 3,230 |
| Salaries and employee benefits | $721,000 | 3,373 |
| Premises and equipment expense | $131,000 | 4,247 |
| Additional noninterest expense | $506,000 | 2,591 |
| Pre-tax net operating income | $569,000 | 3,246 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $210,000 | 2,336 |
| Income before extraordinary items | $359,000 | 3,751 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $359,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $359,000 | 3,733 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,875,000 | 3,354 |
| Total interest expense | $4,960,000 | 3,040 |
| Net interest income | $5,915,000 | 3,559 |
| Provision for loan and lease losses | $602,000 | 1,605 |
| Total noninterest income | $760,000 | 4,183 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $471,000 | 3,190 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $289,000 | 4,379 |
| Total noninterest expense | $4,163,000 | 3,870 |
| Salaries and employee benefits | $2,009,000 | 4,250 |
| Premises and equipment expense | $413,000 | 4,823 |
| Additional noninterest expense | $1,741,000 | 2,905 |
| Pre-tax net operating income | $1,910,000 | 3,742 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $707,000 | 2,661 |
| Income before extraordinary items | $1,203,000 | 4,278 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,203,000 | 4,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,293 |
| Cash dividends | $54,000 | 5,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,203,000 | 4,258 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,544,000 | 3,535 |
| Total interest expense | $3,312,000 | 3,245 |
| Net interest income | $4,232,000 | 3,704 |
| Provision for loan and lease losses | $375,000 | 1,792 |
| Total noninterest income | $561,000 | 4,222 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $355,000 | 3,189 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $206,000 | 4,474 |
| Total noninterest expense | $3,045,000 | 3,936 |
| Salaries and employee benefits | $1,445,000 | 4,369 |
| Premises and equipment expense | $303,000 | 4,909 |
| Additional noninterest expense | $1,297,000 | 2,910 |
| Pre-tax net operating income | $1,373,000 | 3,984 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $511,000 | 2,841 |
| Income before extraordinary items | $862,000 | 4,532 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $862,000 | 4,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,214 |
| Cash dividends | $54,000 | 4,998 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $862,000 | 4,513 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,591,000 | 3,747 |
| Total interest expense | $1,921,000 | 3,489 |
| Net interest income | $2,670,000 | 3,863 |
| Provision for loan and lease losses | $210,000 | 2,022 |
| Total noninterest income | $356,000 | 4,306 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $218,000 | 3,356 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $138,000 | 4,459 |
| Total noninterest expense | $1,952,000 | 4,069 |
| Salaries and employee benefits | $926,000 | 4,522 |
| Premises and equipment expense | $196,000 | 5,000 |
| Additional noninterest expense | $830,000 | 3,036 |
| Pre-tax net operating income | $864,000 | 4,144 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $322,000 | 2,945 |
| Income before extraordinary items | $542,000 | 4,689 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $542,000 | 4,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,940 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $542,000 | 4,680 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,082,000 | 3,951 |
| Total interest expense | $846,000 | 3,682 |
| Net interest income | $1,236,000 | 4,078 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $173,000 | 4,302 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $102,000 | 3,438 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $71,000 | 4,406 |
| Total noninterest expense | $934,000 | 4,202 |
| Salaries and employee benefits | $438,000 | 4,734 |
| Premises and equipment expense | $98,000 | 5,028 |
| Additional noninterest expense | $398,000 | 3,131 |
| Pre-tax net operating income | $400,000 | 4,277 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $150,000 | 3,038 |
| Income before extraordinary items | $250,000 | 4,861 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $250,000 | 4,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $250,000 | 4,842 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,447,000 | 4,409 |
| Total interest expense | $2,386,000 | 3,941 |
| Net interest income | $4,061,000 | 4,574 |
| Provision for loan and lease losses | $315,000 | 2,721 |
| Total noninterest income | $672,000 | 4,496 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $399,000 | 3,559 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $273,000 | 4,548 |
| Total noninterest expense | $3,224,000 | 4,553 |
| Salaries and employee benefits | $1,485,000 | 5,085 |
| Premises and equipment expense | $387,000 | 4,956 |
| Additional noninterest expense | $1,352,000 | 3,508 |
| Pre-tax net operating income | $1,194,000 | 4,913 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $440,000 | 3,562 |
| Income before extraordinary items | $754,000 | 5,495 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $754,000 | 5,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,509 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $754,000 | 5,464 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,542,000 | 4,545 |
| Total interest expense | $1,640,000 | 4,047 |
| Net interest income | $2,902,000 | 4,741 |
| Provision for loan and lease losses | $240,000 | 2,610 |
| Total noninterest income | $518,000 | 4,451 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $292,000 | 3,620 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $226,000 | 4,341 |
| Total noninterest expense | $2,338,000 | 4,636 |
| Salaries and employee benefits | $1,081,000 | 5,162 |
| Premises and equipment expense | $279,000 | 5,069 |
| Additional noninterest expense | $978,000 | 3,565 |
| Pre-tax net operating income | $842,000 | 5,205 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $311,000 | 3,751 |
| Income before extraordinary items | $531,000 | 5,760 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $531,000 | 5,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,280 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $531,000 | 5,727 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,801,000 | 4,713 |
| Total interest expense | $961,000 | 4,244 |
| Net interest income | $1,840,000 | 4,874 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $326,000 | 4,571 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $178,000 | 3,764 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $148,000 | 4,350 |
| Total noninterest expense | $1,508,000 | 4,710 |
| Salaries and employee benefits | $687,000 | 5,304 |
| Premises and equipment expense | $183,000 | 5,115 |
| Additional noninterest expense | $638,000 | 3,622 |
| Pre-tax net operating income | $508,000 | 5,448 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $187,000 | 3,899 |
| Income before extraordinary items | $321,000 | 5,970 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $321,000 | 5,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,314 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $321,000 | 5,917 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,301,000 | 4,919 |
| Total interest expense | $423,000 | 4,503 |
| Net interest income | $878,000 | 5,028 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $161,000 | 4,532 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $82,000 | 3,875 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $79,000 | 4,223 |
| Total noninterest expense | $731,000 | 4,836 |
| Salaries and employee benefits | $335,000 | 5,428 |
| Premises and equipment expense | $92,000 | 5,144 |
| Additional noninterest expense | $304,000 | 3,761 |
| Pre-tax net operating income | $233,000 | 5,616 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $80,000 | 4,116 |
| Income before extraordinary items | $153,000 | 6,049 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $153,000 | 6,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,093 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $153,000 | 6,017 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,971,000 | 5,577 |
| Total interest expense | $1,112,000 | 5,351 |
| Net interest income | $2,859,000 | 5,558 |
| Provision for loan and lease losses | $405,000 | 2,340 |
| Total noninterest income | $607,000 | 4,791 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $363,000 | 3,854 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $244,000 | 4,691 |
| Total noninterest expense | $2,551,000 | 5,237 |
| Salaries and employee benefits | $1,183,000 | 5,733 |
| Premises and equipment expense | $350,000 | 5,212 |
| Additional noninterest expense | $1,018,000 | 4,276 |
| Pre-tax net operating income | $510,000 | 6,687 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-279,000 | 8,855 |
| Income before extraordinary items | $789,000 | 5,294 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $789,000 | 5,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,009 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $789,000 | 5,220 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,766,000 | 5,808 |
| Total interest expense | $731,000 | 5,704 |
| Net interest income | $2,035,000 | 5,740 |
| Provision for loan and lease losses | $317,000 | 2,163 |
| Total noninterest income | $465,000 | 4,737 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $276,000 | 3,861 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $189,000 | 4,621 |
| Total noninterest expense | $1,893,000 | 5,229 |
| Salaries and employee benefits | $884,000 | 5,709 |
| Premises and equipment expense | $261,000 | 5,203 |
| Additional noninterest expense | $748,000 | 4,300 |
| Pre-tax net operating income | $290,000 | 7,263 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-355,000 | 8,959 |
| Income before extraordinary items | $645,000 | 5,176 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $645,000 | 5,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,570 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $645,000 | 5,093 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,697,000 | 6,075 |
| Total interest expense | $434,000 | 6,055 |
| Net interest income | $1,263,000 | 5,982 |
| Provision for loan and lease losses | $237,000 | 1,950 |
| Total noninterest income | $307,000 | 4,762 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $151,000 | 4,319 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $156,000 | 4,232 |
| Total noninterest expense | $1,235,000 | 5,333 |
| Salaries and employee benefits | $580,000 | 5,791 |
| Premises and equipment expense | $137,000 | 5,939 |
| Additional noninterest expense | $518,000 | 4,196 |
| Pre-tax net operating income | $98,000 | 7,940 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-428,000 | 9,029 |
| Income before extraordinary items | $526,000 | 4,606 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $526,000 | 4,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,880 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $526,000 | 4,516 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $804,000 | 6,245 |
| Total interest expense | $203,000 | 6,313 |
| Net interest income | $601,000 | 6,155 |
| Provision for loan and lease losses | $119,000 | 1,882 |
| Total noninterest income | $162,000 | 4,581 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $82,000 | 4,055 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $80,000 | 4,184 |
| Total noninterest expense | $613,000 | 5,378 |
| Salaries and employee benefits | $291,000 | 5,818 |
| Premises and equipment expense | $64,000 | 6,144 |
| Additional noninterest expense | $258,000 | 4,212 |
| Pre-tax net operating income | $31,000 | 8,172 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $31,000 | 8,136 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $31,000 | 8,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $31,000 | 8,068 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,347,000 | 7,205 |
| Total interest expense | $642,000 | 7,257 |
| Net interest income | $1,705,000 | 7,050 |
| Provision for loan and lease losses | $330,000 | 2,962 |
| Total noninterest income | $467,000 | 5,604 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $166,000 | 5,677 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $301,000 | 4,499 |
| Total noninterest expense | $2,121,000 | 5,793 |
| Salaries and employee benefits | $1,000,000 | 6,263 |
| Premises and equipment expense | $234,000 | 6,382 |
| Additional noninterest expense | $887,000 | 4,683 |
| Pre-tax net operating income | $-279,000 | 8,734 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-279,000 | 8,813 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-279,000 | 8,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,630 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-279,000 | 8,747 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,636,000 | 7,461 |
| Total interest expense | $465,000 | 7,472 |
| Net interest income | $1,171,000 | 7,326 |
| Provision for loan and lease losses | $249,000 | 2,872 |
| Total noninterest income | $359,000 | 5,596 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $136,000 | 5,503 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $223,000 | 4,582 |
| Total noninterest expense | $1,563,000 | 5,839 |
| Salaries and employee benefits | $741,000 | 6,281 |
| Premises and equipment expense | $205,000 | 5,942 |
| Additional noninterest expense | $617,000 | 4,909 |
| Pre-tax net operating income | $-282,000 | 8,858 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-282,000 | 8,936 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-282,000 | 8,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,184 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-282,000 | 8,873 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,010,000 | 7,664 |
| Total interest expense | $304,000 | 7,626 |
| Net interest income | $706,000 | 7,564 |
| Provision for loan and lease losses | $146,000 | 3,180 |
| Total noninterest income | $248,000 | 5,484 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $84,000 | 5,654 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $164,000 | 4,400 |
| Total noninterest expense | $1,026,000 | 5,909 |
| Salaries and employee benefits | $487,000 | 6,355 |
| Premises and equipment expense | $137,000 | 5,926 |
| Additional noninterest expense | $402,000 | 4,990 |
| Pre-tax net operating income | $-218,000 | 8,936 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-218,000 | 9,017 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-218,000 | 9,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-218,000 | 8,943 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $456,000 | 7,931 |
| Total interest expense | $131,000 | 8,023 |
| Net interest income | $325,000 | 7,765 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $107,000 | 5,736 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $45,000 | 5,441 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $62,000 | 4,852 |
| Total noninterest expense | $476,000 | 6,165 |
| Salaries and employee benefits | $226,000 | 6,605 |
| Premises and equipment expense | $62,000 | 6,190 |
| Additional noninterest expense | $188,000 | 5,195 |
| Pre-tax net operating income | $-119,000 | 8,993 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-119,000 | 9,057 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-119,000 | 9,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-119,000 | 8,989 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $884,000 | 8,940 |
| Total interest expense | $166,000 | 9,108 |
| Net interest income | $718,000 | 8,715 |
| Provision for loan and lease losses | $375,000 | 2,962 |
| Total noninterest income | $217,000 | 7,142 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $51,000 | 7,508 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $166,000 | 5,388 |
| Total noninterest expense | $1,513,000 | 6,811 |
| Salaries and employee benefits | $752,000 | 7,068 |
| Premises and equipment expense | $119,000 | 7,896 |
| Additional noninterest expense | $642,000 | 5,692 |
| Pre-tax net operating income | $-953,000 | 9,110 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-953,000 | 9,166 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-953,000 | 9,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $6,700,000 | 106 |
| Net operating income | $-953,000 | 9,136 |
* 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.