Home > Florence National Bank > Income and Expense
Florence National Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,500,000 | 4,998 |
| Total interest expense | $1,990,000 | 4,560 |
| Net interest income | $2,510,000 | 5,248 |
| Provision for loan and lease losses | $280,000 | 2,271 |
| Total noninterest income | $497,000 | 4,490 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $285,000 | 3,666 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $212,000 | 4,415 |
| Total noninterest expense | $1,945,000 | 5,345 |
| Salaries and employee benefits | $889,000 | 5,912 |
| Premises and equipment expense | $244,000 | 5,554 |
| Additional noninterest expense | $812,000 | 4,215 |
| Pre-tax net operating income | $782,000 | 5,268 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $283,000 | 3,669 |
| Income before extraordinary items | $499,000 | 5,768 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $499,000 | 5,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 1,512 |
| Cash dividends | $270,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $499,000 | 5,769 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,939,000 | 5,022 |
| Total interest expense | $1,270,000 | 4,551 |
| Net interest income | $1,669,000 | 5,275 |
| Provision for loan and lease losses | $160,000 | 2,479 |
| Total noninterest income | $310,000 | 4,640 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $195,000 | 3,600 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $115,000 | 4,830 |
| Total noninterest expense | $1,265,000 | 5,437 |
| Salaries and employee benefits | $587,000 | 5,974 |
| Premises and equipment expense | $157,000 | 5,662 |
| Additional noninterest expense | $521,000 | 4,341 |
| Pre-tax net operating income | $554,000 | 5,182 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $201,000 | 3,612 |
| Income before extraordinary items | $353,000 | 5,666 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $353,000 | 5,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 1,098 |
| Cash dividends | $180,000 | 3,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $353,000 | 5,664 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,399,000 | 5,132 |
| Total interest expense | $593,000 | 4,611 |
| Net interest income | $806,000 | 5,379 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $153,000 | 4,624 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $97,000 | 3,541 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $56,000 | 4,890 |
| Total noninterest expense | $632,000 | 5,451 |
| Salaries and employee benefits | $287,000 | 6,061 |
| Premises and equipment expense | $79,000 | 5,661 |
| Additional noninterest expense | $266,000 | 4,275 |
| Pre-tax net operating income | $267,000 | 5,230 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $98,000 | 3,623 |
| Income before extraordinary items | $169,000 | 5,696 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $169,000 | 5,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,017 |
| Cash dividends | $90,000 | 3,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $169,000 | 5,692 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,977,000 | 5,161 |
| Total interest expense | $1,950,000 | 4,506 |
| Net interest income | $3,027,000 | 5,480 |
| Provision for loan and lease losses | $415,000 | 2,215 |
| Total noninterest income | $612,000 | 4,734 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $387,000 | 3,629 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $225,000 | 4,940 |
| Total noninterest expense | $2,504,000 | 5,373 |
| Salaries and employee benefits | $1,086,000 | 6,113 |
| Premises and equipment expense | $349,000 | 5,299 |
| Additional noninterest expense | $1,069,000 | 4,194 |
| Pre-tax net operating income | $720,000 | 6,100 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $267,000 | 4,280 |
| Income before extraordinary items | $453,000 | 6,560 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $453,000 | 6,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,476 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 534 |
| Net operating income | $453,000 | 6,541 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,650,000 | 5,207 |
| Total interest expense | $1,415,000 | 4,481 |
| Net interest income | $2,235,000 | 5,542 |
| Provision for loan and lease losses | $245,000 | 2,582 |
| Total noninterest income | $475,000 | 4,681 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $283,000 | 3,698 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $192,000 | 4,690 |
| Total noninterest expense | $1,864,000 | 5,367 |
| Salaries and employee benefits | $811,000 | 6,087 |
| Premises and equipment expense | $262,000 | 5,272 |
| Additional noninterest expense | $791,000 | 4,211 |
| Pre-tax net operating income | $601,000 | 6,005 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $219,000 | 4,283 |
| Income before extraordinary items | $382,000 | 6,468 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $382,000 | 6,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,608 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 400 |
| Net operating income | $382,000 | 6,426 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,346,000 | 5,259 |
| Total interest expense | $895,000 | 4,457 |
| Net interest income | $1,451,000 | 5,601 |
| Provision for loan and lease losses | $165,000 | 2,477 |
| Total noninterest income | $288,000 | 4,896 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $164,000 | 3,942 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $124,000 | 4,729 |
| Total noninterest expense | $1,243,000 | 5,357 |
| Salaries and employee benefits | $539,000 | 6,112 |
| Premises and equipment expense | $174,000 | 5,280 |
| Additional noninterest expense | $530,000 | 4,178 |
| Pre-tax net operating income | $331,000 | 6,394 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $118,000 | 4,593 |
| Income before extraordinary items | $213,000 | 6,821 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $213,000 | 6,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 286 |
| Net operating income | $213,000 | 6,770 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,095,000 | 5,464 |
| Total interest expense | $418,000 | 4,536 |
| Net interest income | $677,000 | 5,833 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $119,000 | 5,277 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $69,000 | 4,296 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $50,000 | 5,188 |
| Total noninterest expense | $608,000 | 5,470 |
| Salaries and employee benefits | $266,000 | 6,186 |
| Premises and equipment expense | $78,000 | 5,638 |
| Additional noninterest expense | $264,000 | 4,190 |
| Pre-tax net operating income | $128,000 | 6,853 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $46,000 | 4,870 |
| Income before extraordinary items | $82,000 | 7,194 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $82,000 | 7,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $82,000 | 7,162 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,320,000 | 6,126 |
| Total interest expense | $1,112,000 | 5,351 |
| Net interest income | $2,208,000 | 6,363 |
| Provision for loan and lease losses | $310,000 | 2,840 |
| Total noninterest income | $655,000 | 4,585 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $370,000 | 3,814 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $285,000 | 4,361 |
| Total noninterest expense | $1,879,000 | 6,224 |
| Salaries and employee benefits | $794,000 | 6,959 |
| Premises and equipment expense | $275,000 | 5,935 |
| Additional noninterest expense | $810,000 | 5,055 |
| Pre-tax net operating income | $674,000 | 6,180 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $245,000 | 4,482 |
| Income before extraordinary items | $428,000 | 6,634 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $428,000 | 6,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 2,121 |
| Cash dividends | $273,000 | 4,503 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 402 |
| Net operating income | $428,640 | 6,579 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,330,000 | 6,329 |
| Total interest expense | $777,000 | 5,524 |
| Net interest income | $1,553,000 | 6,537 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $480,000 | 4,654 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $286,000 | 3,777 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $194,000 | 4,561 |
| Total noninterest expense | $1,415,000 | 6,158 |
| Salaries and employee benefits | $638,000 | 6,750 |
| Premises and equipment expense | $192,000 | 6,119 |
| Additional noninterest expense | $585,000 | 5,122 |
| Pre-tax net operating income | $573,000 | 6,005 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $212,000 | 4,354 |
| Income before extraordinary items | $360,000 | 6,553 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $360,000 | 6,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,094 |
| Cash dividends | $205,000 | 3,939 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 306 |
| Net operating income | $360,640 | 6,478 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,491,000 | 6,481 |
| Total interest expense | $497,000 | 5,668 |
| Net interest income | $994,000 | 6,677 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $332,000 | 4,553 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $189,000 | 3,783 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $143,000 | 4,404 |
| Total noninterest expense | $967,000 | 6,109 |
| Salaries and employee benefits | $454,000 | 6,586 |
| Premises and equipment expense | $123,000 | 6,248 |
| Additional noninterest expense | $390,000 | 5,144 |
| Pre-tax net operating income | $329,000 | 6,313 |
| Securities gains (losses) | $-1,000 | 8,365 |
| Applicable income taxes | $117,000 | 4,641 |
| Income before extraordinary items | $211,000 | 6,790 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 6,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,426 |
| Cash dividends | $137,000 | 3,909 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 212 |
| Net operating income | $211,640 | 6,701 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $734,000 | 6,558 |
| Total interest expense | $239,000 | 5,827 |
| Net interest income | $495,000 | 6,711 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $161,000 | 4,596 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $94,000 | 3,720 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $67,000 | 4,532 |
| Total noninterest expense | $473,000 | 6,229 |
| Salaries and employee benefits | $213,000 | 6,818 |
| Premises and equipment expense | $61,000 | 6,270 |
| Additional noninterest expense | $199,000 | 5,092 |
| Pre-tax net operating income | $168,000 | 6,201 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $62,000 | 4,533 |
| Income before extraordinary items | $106,000 | 6,771 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $106,000 | 6,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $68,000 | 3,218 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 122 |
| Net operating income | $106,000 | 6,655 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,219,000 | 6,300 |
| Total interest expense | $1,073,000 | 5,918 |
| Net interest income | $2,146,000 | 6,368 |
| Provision for loan and lease losses | $77,000 | 5,698 |
| Total noninterest income | $584,000 | 5,033 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $435,000 | 3,461 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $149,000 | 5,835 |
| Total noninterest expense | $1,787,000 | 6,369 |
| Salaries and employee benefits | $821,000 | 6,844 |
| Premises and equipment expense | $248,000 | 6,199 |
| Additional noninterest expense | $718,000 | 5,422 |
| Pre-tax net operating income | $866,000 | 5,502 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $319,000 | 4,191 |
| Income before extraordinary items | $547,000 | 6,147 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $547,000 | 6,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,313 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $547,000 | 5,996 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,415,000 | 6,375 |
| Total interest expense | $816,000 | 6,010 |
| Net interest income | $1,599,000 | 6,431 |
| Provision for loan and lease losses | $70,000 | 5,319 |
| Total noninterest income | $450,000 | 5,016 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $328,000 | 3,445 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $122,000 | 5,712 |
| Total noninterest expense | $1,329,000 | 6,372 |
| Salaries and employee benefits | $616,000 | 6,849 |
| Premises and equipment expense | $186,000 | 6,196 |
| Additional noninterest expense | $527,000 | 5,470 |
| Pre-tax net operating income | $650,000 | 5,694 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $235,000 | 4,387 |
| Income before extraordinary items | $415,000 | 6,271 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $415,000 | 6,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,434 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $415,000 | 6,097 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,614,000 | 6,394 |
| Total interest expense | $555,000 | 6,079 |
| Net interest income | $1,059,000 | 6,468 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $299,000 | 4,991 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $211,000 | 3,494 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $88,000 | 5,563 |
| Total noninterest expense | $882,000 | 6,396 |
| Salaries and employee benefits | $412,000 | 6,864 |
| Premises and equipment expense | $122,000 | 6,222 |
| Additional noninterest expense | $348,000 | 5,489 |
| Pre-tax net operating income | $416,000 | 5,764 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $150,000 | 4,490 |
| Income before extraordinary items | $266,000 | 6,378 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $266,000 | 6,377 |
| 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 | $266,000 | 6,171 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $816,000 | 6,396 |
| Total interest expense | $284,000 | 6,116 |
| Net interest income | $532,000 | 6,458 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $154,000 | 4,825 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $105,000 | 3,424 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $49,000 | 5,306 |
| Total noninterest expense | $441,000 | 6,415 |
| Salaries and employee benefits | $204,000 | 6,922 |
| Premises and equipment expense | $62,000 | 6,190 |
| Additional noninterest expense | $175,000 | 5,453 |
| Pre-tax net operating income | $215,000 | 5,672 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $77,000 | 4,426 |
| Income before extraordinary items | $138,000 | 6,211 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $138,000 | 6,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $138,000 | 6,036 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,132,000 | 6,720 |
| Total interest expense | $1,323,000 | 6,113 |
| Net interest income | $1,809,000 | 6,942 |
| Provision for loan and lease losses | $125,000 | 5,264 |
| Total noninterest income | $547,000 | 4,974 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $460,000 | 3,183 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 6,718 |
| Total noninterest expense | $1,589,000 | 6,681 |
| Salaries and employee benefits | $724,000 | 7,185 |
| Premises and equipment expense | $262,000 | 5,976 |
| Additional noninterest expense | $603,000 | 5,917 |
| Pre-tax net operating income | $642,000 | 6,281 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $228,000 | 4,916 |
| Income before extraordinary items | $414,000 | 6,779 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $414,000 | 6,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,227 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $414,000 | 6,650 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,232,000 | 6,998 |
| Total interest expense | $1,906,000 | 6,253 |
| Net interest income | $1,326,000 | 7,642 |
| Provision for loan and lease losses | $100,000 | 5,578 |
| Total noninterest income | $507,000 | 5,031 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $419,000 | 3,258 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $88,000 | 6,699 |
| Total noninterest expense | $1,494,000 | 6,811 |
| Salaries and employee benefits | $678,000 | 7,295 |
| Premises and equipment expense | $230,000 | 6,354 |
| Additional noninterest expense | $586,000 | 5,924 |
| Pre-tax net operating income | $239,000 | 7,690 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $85,000 | 6,194 |
| Income before extraordinary items | $154,000 | 8,006 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $154,000 | 8,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $154,000 | 7,893 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,740,000 | 7,672 |
| Total interest expense | $1,494,000 | 7,177 |
| Net interest income | $1,246,000 | 7,971 |
| Provision for loan and lease losses | $158,000 | 4,296 |
| Total noninterest income | $380,000 | 5,666 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $325,000 | 3,813 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,624 |
| Total noninterest expense | $1,348,000 | 7,114 |
| Salaries and employee benefits | $584,000 | 7,781 |
| Premises and equipment expense | $239,000 | 6,207 |
| Additional noninterest expense | $525,000 | 6,244 |
| Pre-tax net operating income | $120,000 | 8,729 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $42,000 | 7,376 |
| Income before extraordinary items | $78,000 | 8,842 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $78,000 | 8,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,771 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $78,000 | 8,828 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,341,000 | 9,263 |
| Total interest expense | $640,000 | 9,105 |
| Net interest income | $701,000 | 9,277 |
| Provision for loan and lease losses | $122,000 | 4,702 |
| Total noninterest income | $161,000 | 7,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 6,327 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,414 |
| Total noninterest expense | $1,232,000 | 7,486 |
| Salaries and employee benefits | $565,000 | 7,937 |
| Premises and equipment expense | $234,000 | 6,273 |
| Additional noninterest expense | $433,000 | 7,025 |
| Pre-tax net operating income | $-492,000 | 9,843 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-178,000 | 10,013 |
| Income before extraordinary items | $-314,000 | 9,774 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-314,000 | 9,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,765 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-314,000 | 9,756 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $271,000 | 10,323 |
| Total interest expense | $156,000 | 10,237 |
| Net interest income | $115,000 | 10,372 |
| Provision for loan and lease losses | $52,000 | 6,526 |
| Total noninterest income | $34,000 | 10,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 8,845 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,387 |
| Total noninterest expense | $616,000 | 9,376 |
| Salaries and employee benefits | $264,000 | 9,808 |
| Premises and equipment expense | $105,000 | 8,597 |
| Additional noninterest expense | $247,000 | 8,632 |
| Pre-tax net operating income | $-519,000 | 10,196 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-188,000 | 10,306 |
| Income before extraordinary items | $-331,000 | 10,145 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-331,000 | 10,139 |
| 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 | $4,500,000 | 259 |
| Net operating income | $-331,000 | 10,118 |
* 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.