FSGBANK, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,617,000 | 6,388 |
| Total interest expense | $377,000 | 7,140 |
| Net interest income | $1,240,000 | 5,970 |
| Provision for loan and lease losses | $266,000 | 2,044 |
| Total noninterest income | $280,000 | 5,167 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $90,000 | 5,497 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $190,000 | 4,131 |
| Total noninterest expense | $1,835,000 | 3,935 |
| Salaries and employee benefits | $1,014,000 | 3,863 |
| Premises and equipment expense | $161,000 | 5,416 |
| Additional noninterest expense | $660,000 | 3,406 |
| Pre-tax net operating income | $-581,000 | 9,093 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-194,000 | 9,177 |
| Income before extraordinary items | $-387,000 | 9,094 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-387,000 | 9,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,353 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-387,000 | 9,035 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $785,000 | 6,523 |
| Total interest expense | $183,000 | 7,307 |
| Net interest income | $602,000 | 6,052 |
| Provision for loan and lease losses | $159,000 | 1,626 |
| Total noninterest income | $67,000 | 6,806 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $39,000 | 5,725 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $28,000 | 6,362 |
| Total noninterest expense | $860,000 | 4,134 |
| Salaries and employee benefits | $466,000 | 4,113 |
| Premises and equipment expense | $74,000 | 5,683 |
| Additional noninterest expense | $320,000 | 3,457 |
| Pre-tax net operating income | $-350,000 | 9,162 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-127,000 | 9,235 |
| Income before extraordinary items | $-223,000 | 9,154 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-223,000 | 9,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-223,000 | 9,094 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,210,000 | 8,673 |
| Total interest expense | $373,000 | 8,727 |
| Net interest income | $837,000 | 8,519 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $99,000 | 8,417 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $61,000 | 7,331 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $38,000 | 7,947 |
| Total noninterest expense | $1,568,000 | 6,711 |
| Salaries and employee benefits | $641,000 | 7,542 |
| Premises and equipment expense | $97,000 | 8,210 |
| Additional noninterest expense | $830,000 | 4,799 |
| Pre-tax net operating income | $-632,000 | 9,030 |
| Securities gains (losses) | $11,000 | 3,555 |
| Applicable income taxes | $-224,000 | 9,149 |
| Income before extraordinary items | $-397,000 | 9,006 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-397,000 | 9,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,572 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-404,040 | 8,960 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,919,000 | 7,336 |
| Total interest expense | $1,266,000 | 7,472 |
| Net interest income | $1,653,000 | 7,058 |
| Provision for loan and lease losses | $32,000 | 7,179 |
| Total noninterest income | $224,000 | 7,078 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $138,000 | 5,971 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $86,000 | 6,743 |
| Total noninterest expense | $1,420,000 | 6,977 |
| Salaries and employee benefits | $872,000 | 6,486 |
| Premises and equipment expense | $201,000 | 6,776 |
| Additional noninterest expense | $347,000 | 7,532 |
| Pre-tax net operating income | $425,000 | 6,856 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $97,000 | 6,045 |
| Income before extraordinary items | $328,000 | 6,966 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $328,000 | 6,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 9,289 |
| Cash dividends | $127,000 | 5,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $328,000 | 6,844 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,852,000 | 7,564 |
| Total interest expense | $1,181,000 | 7,841 |
| Net interest income | $1,671,000 | 7,164 |
| Provision for loan and lease losses | $48,000 | 6,621 |
| Total noninterest income | $235,000 | 6,931 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 5,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 6,759 |
| Total noninterest expense | $1,432,000 | 6,928 |
| Salaries and employee benefits | $859,000 | 6,464 |
| Premises and equipment expense | $207,000 | 6,651 |
| Additional noninterest expense | $366,000 | 7,432 |
| Pre-tax net operating income | $426,000 | 7,333 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $97,000 | 6,545 |
| Income before extraordinary items | $329,000 | 7,292 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $329,000 | 7,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,408 |
| Cash dividends | $127,000 | 5,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $329,000 | 7,292 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,730,000 | 7,672 |
| Total interest expense | $1,099,000 | 7,908 |
| Net interest income | $1,631,000 | 7,326 |
| Provision for loan and lease losses | $48,000 | 6,602 |
| Total noninterest income | $214,000 | 7,330 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 5,898 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,520 |
| Total noninterest expense | $1,346,000 | 7,175 |
| Salaries and employee benefits | $791,000 | 6,788 |
| Premises and equipment expense | $198,000 | 6,846 |
| Additional noninterest expense | $357,000 | 7,637 |
| Pre-tax net operating income | $451,000 | 7,372 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $96,000 | 6,980 |
| Income before extraordinary items | $355,000 | 7,260 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $355,000 | 7,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,459 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $355,000 | 7,230 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,824,000 | 7,734 |
| Total interest expense | $1,210,000 | 7,888 |
| Net interest income | $1,614,000 | 7,443 |
| Provision for loan and lease losses | $48,000 | 6,686 |
| Total noninterest income | $199,000 | 7,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 6,129 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,768 |
| Total noninterest expense | $1,258,000 | 7,384 |
| Salaries and employee benefits | $674,000 | 7,342 |
| Premises and equipment expense | $188,000 | 6,902 |
| Additional noninterest expense | $396,000 | 7,250 |
| Pre-tax net operating income | $507,000 | 7,327 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $133,000 | 7,072 |
| Income before extraordinary items | $374,000 | 7,380 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $374,000 | 7,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,193 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $374,000 | 7,305 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,682,000 | 8,154 |
| Total interest expense | $1,138,000 | 8,291 |
| Net interest income | $1,544,000 | 7,881 |
| Provision for loan and lease losses | $22,000 | 7,821 |
| Total noninterest income | $535,000 | 4,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $395,000 | 3,310 |
| Total noninterest expense | $1,443,000 | 6,933 |
| Salaries and employee benefits | $674,000 | 7,469 |
| Premises and equipment expense | $202,000 | 6,803 |
| Additional noninterest expense | $567,000 | 6,007 |
| Pre-tax net operating income | $614,000 | 7,354 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $158,000 | 7,483 |
| Income before extraordinary items | $456,000 | 7,254 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $456,000 | 7,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,367 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $456,000 | 7,207 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,619,000 | 8,536 |
| Total interest expense | $1,128,000 | 8,606 |
| Net interest income | $1,491,000 | 8,289 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $194,000 | 8,313 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 6,712 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,577 |
| Total noninterest expense | $1,064,000 | 8,457 |
| Salaries and employee benefits | $607,000 | 8,078 |
| Premises and equipment expense | $101,000 | 9,258 |
| Additional noninterest expense | $356,000 | 8,303 |
| Pre-tax net operating income | $621,000 | 7,312 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $194,000 | 7,228 |
| Income before extraordinary items | $427,000 | 7,405 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $427,000 | 7,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,175 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $427,000 | 7,350 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,512,000 | 8,951 |
| Total interest expense | $1,048,000 | 9,091 |
| Net interest income | $1,464,000 | 8,642 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $198,000 | 8,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 6,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 8,751 |
| Total noninterest expense | $1,072,000 | 8,678 |
| Salaries and employee benefits | $591,000 | 8,419 |
| Premises and equipment expense | $90,000 | 9,917 |
| Additional noninterest expense | $391,000 | 8,280 |
| Pre-tax net operating income | $590,000 | 7,927 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $187,000 | 7,653 |
| Income before extraordinary items | $405,000 | 8,020 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $405,000 | 8,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 11,229 |
| Cash dividends | $40,000 | 7,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $403,640 | 8,002 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,263,000 | 9,324 |
| Total interest expense | $787,000 | 9,666 |
| Net interest income | $1,476,000 | 8,947 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $200,000 | 8,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 7,131 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,091 |
| Total noninterest expense | $1,052,000 | 9,151 |
| Salaries and employee benefits | $594,000 | 8,646 |
| Premises and equipment expense | $90,000 | 10,345 |
| Additional noninterest expense | $368,000 | 9,143 |
| Pre-tax net operating income | $594,000 | 8,038 |
| Securities gains (losses) | $-29,000 | 10,630 |
| Applicable income taxes | $227,000 | 6,901 |
| Income before extraordinary items | $338,000 | 8,745 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $338,000 | 8,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $116,000 | 6,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $356,560 | 8,637 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,150,000 | 9,890 |
| Total interest expense | $800,000 | 10,055 |
| Net interest income | $1,350,000 | 9,576 |
| Provision for loan and lease losses | $36,000 | 8,112 |
| Total noninterest income | $180,000 | 9,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,898 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,431 |
| Total noninterest expense | $900,000 | 10,191 |
| Salaries and employee benefits | $444,000 | 10,215 |
| Premises and equipment expense | $103,000 | 10,359 |
| Additional noninterest expense | $353,000 | 9,810 |
| Pre-tax net operating income | $594,000 | 7,988 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $216,000 | 7,326 |
| Income before extraordinary items | $378,000 | 8,655 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $378,000 | 8,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $16,000 | 8,758 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $378,000 | 8,399 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,214,000 | 10,447 |
| Total interest expense | $987,000 | 10,450 |
| Net interest income | $1,227,000 | 10,227 |
| Provision for loan and lease losses | $37,000 | 9,631 |
| Total noninterest income | $180,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 8,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,594 |
| Total noninterest expense | $838,000 | 10,814 |
| Salaries and employee benefits | $395,000 | 10,921 |
| Premises and equipment expense | $104,000 | 10,590 |
| Additional noninterest expense | $339,000 | 10,331 |
| Pre-tax net operating income | $532,000 | 8,193 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $219,000 | 7,205 |
| Income before extraordinary items | $313,000 | 9,125 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $313,000 | 9,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 8,614 |
| Cash dividends | $16,000 | 8,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $313,000 | 8,757 |
* 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.