Home > Georgia Central Bank > Income and Expense
Georgia Central Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,300,000 | 4,943 |
| Total interest expense | $1,509,000 | 4,790 |
| Net interest income | $1,791,000 | 5,015 |
| Provision for loan and lease losses | $309,000 | 1,504 |
| Total noninterest income | $302,000 | 4,647 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $158,000 | 3,991 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $144,000 | 4,393 |
| Total noninterest expense | $1,907,000 | 4,261 |
| Salaries and employee benefits | $1,061,000 | 4,231 |
| Premises and equipment expense | $315,000 | 3,719 |
| Additional noninterest expense | $531,000 | 4,403 |
| Pre-tax net operating income | $-123,000 | 8,008 |
| Securities gains (losses) | $-1,000 | 7,616 |
| Applicable income taxes | $-60,000 | 8,315 |
| Income before extraordinary items | $-64,000 | 7,934 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-64,000 | 7,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,767 |
| Cash dividends | $50,000 | 4,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-63,360 | 7,927 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,626,000 | 4,984 |
| Total interest expense | $771,000 | 4,677 |
| Net interest income | $855,000 | 5,162 |
| Provision for loan and lease losses | $-13,000 | 8,442 |
| Total noninterest income | $168,000 | 4,384 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $78,000 | 3,968 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $90,000 | 3,960 |
| Total noninterest expense | $953,000 | 4,282 |
| Salaries and employee benefits | $526,000 | 4,270 |
| Premises and equipment expense | $148,000 | 3,888 |
| Additional noninterest expense | $279,000 | 4,177 |
| Pre-tax net operating income | $83,000 | 6,881 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $23,000 | 4,835 |
| Income before extraordinary items | $60,000 | 7,025 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $60,000 | 7,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,563 |
| Cash dividends | $50,000 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $60,000 | 7,006 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,640,000 | 4,705 |
| Total interest expense | $2,763,000 | 4,533 |
| Net interest income | $3,877,000 | 4,744 |
| Provision for loan and lease losses | $82,000 | 5,002 |
| Total noninterest income | $543,000 | 4,952 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $398,000 | 3,547 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $145,000 | 5,680 |
| Total noninterest expense | $3,539,000 | 4,380 |
| Salaries and employee benefits | $1,952,000 | 4,355 |
| Premises and equipment expense | $617,000 | 3,675 |
| Additional noninterest expense | $970,000 | 4,604 |
| Pre-tax net operating income | $799,000 | 5,656 |
| Securities gains (losses) | $-3,000 | 6,969 |
| Applicable income taxes | $210,000 | 4,246 |
| Income before extraordinary items | $586,000 | 5,867 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $586,000 | 5,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,923 |
| Cash dividends | $30,000 | 5,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $588,220 | 5,853 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,027,000 | 4,674 |
| Total interest expense | $1,990,000 | 4,560 |
| Net interest income | $3,037,000 | 4,657 |
| Provision for loan and lease losses | $141,000 | 3,505 |
| Total noninterest income | $393,000 | 5,050 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $294,000 | 3,614 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,863 |
| Total noninterest expense | $2,623,000 | 4,383 |
| Salaries and employee benefits | $1,476,000 | 4,290 |
| Premises and equipment expense | $473,000 | 3,628 |
| Additional noninterest expense | $674,000 | 4,833 |
| Pre-tax net operating income | $666,000 | 5,644 |
| Securities gains (losses) | $-3,000 | 7,275 |
| Applicable income taxes | $183,000 | 4,245 |
| Income before extraordinary items | $480,000 | 5,844 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $480,000 | 5,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,984 |
| Cash dividends | $30,000 | 5,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $482,160 | 5,837 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,286,000 | 4,692 |
| Total interest expense | $1,262,000 | 4,567 |
| Net interest income | $2,024,000 | 4,685 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $224,000 | 5,382 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $196,000 | 3,589 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $28,000 | 7,198 |
| Total noninterest expense | $1,679,000 | 4,531 |
| Salaries and employee benefits | $985,000 | 4,315 |
| Premises and equipment expense | $271,000 | 4,069 |
| Additional noninterest expense | $423,000 | 5,017 |
| Pre-tax net operating income | $479,000 | 5,504 |
| Securities gains (losses) | $-3,000 | 7,591 |
| Applicable income taxes | $132,000 | 4,185 |
| Income before extraordinary items | $344,000 | 5,721 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $344,000 | 5,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 2,179 |
| Cash dividends | $30,000 | 4,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $346,160 | 5,710 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,578,000 | 4,747 |
| Total interest expense | $583,000 | 4,656 |
| Net interest income | $995,000 | 4,731 |
| Provision for loan and lease losses | $83,000 | 2,300 |
| Total noninterest income | $208,000 | 3,898 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $95,000 | 3,588 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $113,000 | 3,483 |
| Total noninterest expense | $843,000 | 4,524 |
| Salaries and employee benefits | $503,000 | 4,264 |
| Premises and equipment expense | $128,000 | 4,229 |
| Additional noninterest expense | $212,000 | 4,994 |
| Pre-tax net operating income | $277,000 | 5,136 |
| Securities gains (losses) | $6,000 | 667 |
| Applicable income taxes | $85,000 | 3,815 |
| Income before extraordinary items | $198,000 | 5,374 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $198,000 | 5,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,725 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $193,800 | 5,425 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,477,000 | 4,851 |
| Total interest expense | $1,769,000 | 4,789 |
| Net interest income | $3,708,000 | 4,851 |
| Provision for loan and lease losses | $191,000 | 3,667 |
| Total noninterest income | $888,000 | 3,832 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $516,000 | 2,990 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $372,000 | 3,900 |
| Total noninterest expense | $3,336,000 | 4,459 |
| Salaries and employee benefits | $2,022,000 | 4,090 |
| Premises and equipment expense | $469,000 | 4,372 |
| Additional noninterest expense | $845,000 | 4,976 |
| Pre-tax net operating income | $1,069,000 | 5,184 |
| Securities gains (losses) | $-11,000 | 7,567 |
| Applicable income taxes | $330,000 | 4,000 |
| Income before extraordinary items | $728,000 | 5,579 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $728,000 | 5,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,206 |
| Cash dividends | $70,000 | 5,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $735,590 | 5,522 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,956,000 | 4,949 |
| Total interest expense | $1,256,000 | 4,817 |
| Net interest income | $2,700,000 | 4,958 |
| Provision for loan and lease losses | $139,000 | 3,612 |
| Total noninterest income | $715,000 | 3,687 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $385,000 | 3,001 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $330,000 | 3,632 |
| Total noninterest expense | $2,516,000 | 4,400 |
| Salaries and employee benefits | $1,522,000 | 4,044 |
| Premises and equipment expense | $374,000 | 4,172 |
| Additional noninterest expense | $620,000 | 5,006 |
| Pre-tax net operating income | $760,000 | 5,459 |
| Securities gains (losses) | $-11,000 | 7,939 |
| Applicable income taxes | $213,000 | 4,319 |
| Income before extraordinary items | $536,000 | 5,737 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $536,000 | 5,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,657 |
| Cash dividends | $70,000 | 4,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $543,920 | 5,659 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,529,000 | 5,031 |
| Total interest expense | $803,000 | 4,772 |
| Net interest income | $1,726,000 | 5,072 |
| Provision for loan and lease losses | $57,000 | 4,394 |
| Total noninterest income | $377,000 | 4,191 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $243,000 | 3,073 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $134,000 | 4,559 |
| Total noninterest expense | $1,705,000 | 4,329 |
| Salaries and employee benefits | $1,042,000 | 3,950 |
| Premises and equipment expense | $255,000 | 4,090 |
| Additional noninterest expense | $408,000 | 5,022 |
| Pre-tax net operating income | $341,000 | 6,332 |
| Securities gains (losses) | $-11,000 | 8,167 |
| Applicable income taxes | $84,000 | 5,033 |
| Income before extraordinary items | $246,000 | 6,546 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $246,000 | 6,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 1,682 |
| Cash dividends | $70,000 | 4,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $254,250 | 6,431 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,177,000 | 5,240 |
| Total interest expense | $398,000 | 4,703 |
| Net interest income | $779,000 | 5,402 |
| Provision for loan and lease losses | $-16,000 | 8,741 |
| Total noninterest income | $167,000 | 4,425 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $113,000 | 3,173 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $54,000 | 5,007 |
| Total noninterest expense | $837,000 | 4,413 |
| Salaries and employee benefits | $525,000 | 3,945 |
| Premises and equipment expense | $127,000 | 4,141 |
| Additional noninterest expense | $185,000 | 5,357 |
| Pre-tax net operating income | $125,000 | 6,887 |
| Securities gains (losses) | $-8,000 | 8,484 |
| Applicable income taxes | $24,000 | 5,498 |
| Income before extraordinary items | $93,000 | 7,014 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $93,000 | 7,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 950 |
| Cash dividends | $70,000 | 3,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $99,320 | 6,889 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,625,000 | 5,089 |
| Total interest expense | $1,552,000 | 4,425 |
| Net interest income | $3,073,000 | 5,337 |
| Provision for loan and lease losses | $1,252,000 | 850 |
| Total noninterest income | $749,000 | 4,234 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $495,000 | 3,169 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $254,000 | 4,601 |
| Total noninterest expense | $3,151,000 | 4,503 |
| Salaries and employee benefits | $1,841,000 | 4,262 |
| Premises and equipment expense | $557,000 | 3,762 |
| Additional noninterest expense | $753,000 | 5,299 |
| Pre-tax net operating income | $-581,000 | 8,690 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $-264,000 | 8,844 |
| Income before extraordinary items | $-316,000 | 8,636 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-316,000 | 8,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,024,000 | 762 |
| Cash dividends | $56,000 | 5,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-316,640 | 8,610 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,439,000 | 5,111 |
| Total interest expense | $1,159,000 | 4,389 |
| Net interest income | $2,280,000 | 5,358 |
| Provision for loan and lease losses | $1,269,000 | 617 |
| Total noninterest income | $544,000 | 4,320 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $348,000 | 3,324 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $196,000 | 4,541 |
| Total noninterest expense | $2,334,000 | 4,516 |
| Salaries and employee benefits | $1,366,000 | 4,274 |
| Premises and equipment expense | $401,000 | 3,865 |
| Additional noninterest expense | $567,000 | 5,236 |
| Pre-tax net operating income | $-779,000 | 8,854 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $-290,000 | 8,941 |
| Income before extraordinary items | $-488,000 | 8,803 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-488,000 | 8,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $932,000 | 603 |
| Cash dividends | $28,000 | 5,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-488,640 | 8,776 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,258,000 | 5,161 |
| Total interest expense | $768,000 | 4,393 |
| Net interest income | $1,490,000 | 5,433 |
| Provision for loan and lease losses | $877,000 | 579 |
| Total noninterest income | $345,000 | 4,462 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $222,000 | 3,406 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $123,000 | 4,730 |
| Total noninterest expense | $1,571,000 | 4,515 |
| Salaries and employee benefits | $894,000 | 4,343 |
| Premises and equipment expense | $258,000 | 3,980 |
| Additional noninterest expense | $419,000 | 4,901 |
| Pre-tax net operating income | $-613,000 | 8,936 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-213,000 | 9,000 |
| Income before extraordinary items | $-400,000 | 8,895 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-400,000 | 8,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $506,000 | 701 |
| Cash dividends | $28,000 | 4,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-400,000 | 8,869 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,102,000 | 5,256 |
| Total interest expense | $368,000 | 4,565 |
| Net interest income | $734,000 | 5,469 |
| Provision for loan and lease losses | $285,000 | 869 |
| Total noninterest income | $179,000 | 4,333 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $107,000 | 3,416 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $72,000 | 4,381 |
| Total noninterest expense | $782,000 | 4,547 |
| Salaries and employee benefits | $455,000 | 4,315 |
| Premises and equipment expense | $121,000 | 4,212 |
| Additional noninterest expense | $206,000 | 4,963 |
| Pre-tax net operating income | $-154,000 | 8,865 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-60,000 | 8,987 |
| Income before extraordinary items | $-94,000 | 8,828 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-94,000 | 8,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 635 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-94,000 | 8,795 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,590,000 | 5,176 |
| Total interest expense | $1,449,000 | 4,973 |
| Net interest income | $3,141,000 | 5,156 |
| Provision for loan and lease losses | $337,000 | 2,923 |
| Total noninterest income | $724,000 | 4,468 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $456,000 | 3,334 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $268,000 | 4,723 |
| Total noninterest expense | $3,223,000 | 4,389 |
| Salaries and employee benefits | $1,812,000 | 4,245 |
| Premises and equipment expense | $536,000 | 3,854 |
| Additional noninterest expense | $875,000 | 4,734 |
| Pre-tax net operating income | $305,000 | 7,414 |
| Securities gains (losses) | $15,000 | 3,390 |
| Applicable income taxes | $49,000 | 6,289 |
| Income before extraordinary items | $271,000 | 7,417 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $271,000 | 7,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,187 |
| Cash dividends | $125,000 | 5,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $258,250 | 7,336 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,333,000 | 5,354 |
| Total interest expense | $1,086,000 | 5,122 |
| Net interest income | $2,247,000 | 5,321 |
| Provision for loan and lease losses | $212,000 | 3,235 |
| Total noninterest income | $529,000 | 4,582 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $359,000 | 3,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $170,000 | 5,101 |
| Total noninterest expense | $2,387,000 | 4,411 |
| Salaries and employee benefits | $1,355,000 | 4,244 |
| Premises and equipment expense | $399,000 | 3,870 |
| Additional noninterest expense | $633,000 | 4,826 |
| Pre-tax net operating income | $177,000 | 7,837 |
| Securities gains (losses) | $15,000 | 3,125 |
| Applicable income taxes | $12,000 | 7,003 |
| Income before extraordinary items | $180,000 | 7,715 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $180,000 | 7,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,899 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $-125,000 | 9,173 |
| Net operating income | $165,900 | 7,665 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,232,000 | 5,360 |
| Total interest expense | $719,000 | 5,254 |
| Net interest income | $1,513,000 | 5,296 |
| Provision for loan and lease losses | $140,000 | 3,226 |
| Total noninterest income | $356,000 | 4,536 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $217,000 | 3,427 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $139,000 | 4,696 |
| Total noninterest expense | $1,593,000 | 4,397 |
| Salaries and employee benefits | $930,000 | 4,147 |
| Premises and equipment expense | $265,000 | 3,857 |
| Additional noninterest expense | $398,000 | 5,025 |
| Pre-tax net operating income | $136,000 | 7,716 |
| Securities gains (losses) | $4,000 | 3,287 |
| Applicable income taxes | $8,000 | 7,030 |
| Income before extraordinary items | $132,000 | 7,637 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $132,000 | 7,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,270 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $-125,000 | 9,214 |
| Net operating income | $128,240 | 7,491 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 5,685 |
| Total interest expense | $337,000 | 5,560 |
| Net interest income | $690,000 | 5,592 |
| Provision for loan and lease losses | $44,000 | 4,021 |
| Total noninterest income | $179,000 | 4,428 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $104,000 | 3,444 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $75,000 | 4,475 |
| Total noninterest expense | $777,000 | 4,458 |
| Salaries and employee benefits | $449,000 | 4,253 |
| Premises and equipment expense | $132,000 | 3,884 |
| Additional noninterest expense | $196,000 | 5,029 |
| Pre-tax net operating income | $48,000 | 8,025 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-6,000 | 9,038 |
| Income before extraordinary items | $54,000 | 7,793 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $54,000 | 7,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,620 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $-125,000 | 9,278 |
| Net operating income | $54,000 | 7,648 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,630,000 | 5,437 |
| Total interest expense | $1,589,000 | 5,542 |
| Net interest income | $3,041,000 | 5,239 |
| Provision for loan and lease losses | $202,000 | 4,327 |
| Total noninterest income | $777,000 | 4,069 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $495,000 | 2,995 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $282,000 | 4,383 |
| Total noninterest expense | $3,080,000 | 4,370 |
| Salaries and employee benefits | $1,760,000 | 4,156 |
| Premises and equipment expense | $447,000 | 4,282 |
| Additional noninterest expense | $873,000 | 4,639 |
| Pre-tax net operating income | $536,000 | 6,628 |
| Securities gains (losses) | $93,000 | 1,818 |
| Applicable income taxes | $151,000 | 5,518 |
| Income before extraordinary items | $478,000 | 6,504 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $478,000 | 6,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 2,482 |
| Cash dividends | $120,000 | 5,403 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $407,320 | 6,681 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,167,000 | 5,506 |
| Total interest expense | $2,583,000 | 5,296 |
| Net interest income | $2,584,000 | 5,599 |
| Provision for loan and lease losses | $75,000 | 6,076 |
| Total noninterest income | $648,000 | 4,389 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $413,000 | 3,296 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $235,000 | 4,604 |
| Total noninterest expense | $2,390,000 | 5,114 |
| Salaries and employee benefits | $1,378,000 | 4,818 |
| Premises and equipment expense | $322,000 | 5,306 |
| Additional noninterest expense | $690,000 | 5,349 |
| Pre-tax net operating income | $767,000 | 5,596 |
| Securities gains (losses) | $41,000 | 2,547 |
| Applicable income taxes | $194,000 | 5,086 |
| Income before extraordinary items | $614,000 | 5,561 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $614,000 | 5,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,915 |
| Cash dividends | $3,180,000 | 873 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $582,840 | 5,570 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,852,000 | 5,853 |
| Total interest expense | $2,235,000 | 5,934 |
| Net interest income | $2,617,000 | 5,643 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $583,000 | 4,481 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $381,000 | 3,375 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,000 | 4,785 |
| Total noninterest expense | $1,999,000 | 5,685 |
| Salaries and employee benefits | $1,108,000 | 5,530 |
| Premises and equipment expense | $302,000 | 5,394 |
| Additional noninterest expense | $589,000 | 5,860 |
| Pre-tax net operating income | $1,201,000 | 4,717 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $315,000 | 4,493 |
| Income before extraordinary items | $886,000 | 4,731 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $886,000 | 4,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,268 |
| Cash dividends | $80,000 | 6,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $886,000 | 4,731 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,372,000 | 6,038 |
| Total interest expense | $1,986,000 | 6,026 |
| Net interest income | $2,386,000 | 5,972 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $507,000 | 4,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $355,000 | 3,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 5,571 |
| Total noninterest expense | $1,815,000 | 6,054 |
| Salaries and employee benefits | $963,000 | 6,031 |
| Premises and equipment expense | $204,000 | 6,750 |
| Additional noninterest expense | $648,000 | 5,530 |
| Pre-tax net operating income | $1,048,000 | 5,165 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $261,000 | 5,107 |
| Income before extraordinary items | $789,000 | 5,128 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $789,000 | 5,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,730 |
| Cash dividends | $80,000 | 6,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $787,500 | 5,106 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,169,000 | 6,333 |
| Total interest expense | $1,984,000 | 6,211 |
| Net interest income | $2,185,000 | 6,319 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $480,000 | 5,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 3,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 5,411 |
| Total noninterest expense | $1,586,000 | 6,458 |
| Salaries and employee benefits | $915,000 | 6,141 |
| Premises and equipment expense | $232,000 | 6,228 |
| Additional noninterest expense | $439,000 | 6,894 |
| Pre-tax net operating income | $1,019,000 | 5,354 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $260,000 | 5,548 |
| Income before extraordinary items | $759,000 | 5,362 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $759,000 | 5,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,217 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $759,000 | 5,258 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,090,000 | 6,577 |
| Total interest expense | $1,822,000 | 6,629 |
| Net interest income | $2,268,000 | 6,414 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $484,000 | 5,104 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $333,000 | 3,754 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 5,664 |
| Total noninterest expense | $1,548,000 | 6,666 |
| Salaries and employee benefits | $872,000 | 6,426 |
| Premises and equipment expense | $192,000 | 6,989 |
| Additional noninterest expense | $484,000 | 6,640 |
| Pre-tax net operating income | $1,144,000 | 5,400 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $334,000 | 5,439 |
| Income before extraordinary items | $811,000 | 5,403 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $811,000 | 5,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $130,000 | 6,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $810,290 | 5,361 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,964,000 | 6,903 |
| Total interest expense | $1,880,000 | 6,658 |
| Net interest income | $2,084,000 | 6,980 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $486,000 | 5,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $318,000 | 4,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $168,000 | 5,634 |
| Total noninterest expense | $1,524,000 | 7,041 |
| Salaries and employee benefits | $847,000 | 6,733 |
| Premises and equipment expense | $186,000 | 7,295 |
| Additional noninterest expense | $491,000 | 7,132 |
| Pre-tax net operating income | $986,000 | 5,793 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $273,000 | 6,139 |
| Income before extraordinary items | $711,000 | 5,718 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $711,000 | 5,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,270 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $712,440 | 5,652 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,719,000 | 7,287 |
| Total interest expense | $1,714,000 | 7,105 |
| Net interest income | $2,005,000 | 7,299 |
| Provision for loan and lease losses | $136,000 | 3,832 |
| Total noninterest income | $509,000 | 5,124 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $299,000 | 4,305 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 4,990 |
| Total noninterest expense | $1,378,000 | 7,649 |
| Salaries and employee benefits | $794,000 | 7,129 |
| Premises and equipment expense | $187,000 | 7,460 |
| Additional noninterest expense | $397,000 | 8,224 |
| Pre-tax net operating income | $1,000,000 | 6,005 |
| Securities gains (losses) | $-52,000 | 11,200 |
| Applicable income taxes | $252,000 | 6,622 |
| Income before extraordinary items | $696,000 | 6,019 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $696,000 | 6,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,292 |
| Cash dividends | $144,000 | 6,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $733,960 | 5,776 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,371,000 | 7,523 |
| Total interest expense | $1,404,000 | 7,193 |
| Net interest income | $1,967,000 | 7,645 |
| Provision for loan and lease losses | $70,000 | 5,310 |
| Total noninterest income | $614,000 | 4,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $294,000 | 4,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $320,000 | 3,914 |
| Total noninterest expense | $1,400,000 | 7,914 |
| Salaries and employee benefits | $731,000 | 7,669 |
| Premises and equipment expense | $190,000 | 7,649 |
| Additional noninterest expense | $479,000 | 8,069 |
| Pre-tax net operating income | $1,111,000 | 5,533 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $298,000 | 5,899 |
| Income before extraordinary items | $813,000 | 5,300 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $813,000 | 5,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,205 |
| Cash dividends | $286,000 | 4,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $813,000 | 5,360 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,152,000 | 8,090 |
| Total interest expense | $1,387,000 | 7,591 |
| Net interest income | $1,765,000 | 8,330 |
| Provision for loan and lease losses | $128,000 | 5,054 |
| Total noninterest income | $374,000 | 6,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,811 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,775 |
| Total noninterest expense | $1,291,000 | 8,545 |
| Salaries and employee benefits | $677,000 | 8,154 |
| Premises and equipment expense | $184,000 | 8,036 |
| Additional noninterest expense | $430,000 | 8,930 |
| Pre-tax net operating income | $720,000 | 7,257 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $165,000 | 8,309 |
| Income before extraordinary items | $571,000 | 7,003 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $571,000 | 7,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 6,663 |
| Cash dividends | $144,000 | 6,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $558,520 | 6,831 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,502,000 | 8,181 |
| Total interest expense | $1,713,000 | 7,857 |
| Net interest income | $1,789,000 | 8,378 |
| Provision for loan and lease losses | $134,000 | 6,421 |
| Total noninterest income | $331,000 | 7,337 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $247,000 | 5,187 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,687 |
| Total noninterest expense | $1,273,000 | 8,753 |
| Salaries and employee benefits | $622,000 | 8,624 |
| Premises and equipment expense | $216,000 | 7,482 |
| Additional noninterest expense | $435,000 | 9,143 |
| Pre-tax net operating income | $713,000 | 7,030 |
| Securities gains (losses) | $19,000 | 5,661 |
| Applicable income taxes | $165,000 | 8,276 |
| Income before extraordinary items | $567,000 | 6,799 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $567,000 | 6,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 5,719 |
| Cash dividends | $144,000 | 5,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $552,370 | 6,542 |
* 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.