Home > Georgia State Bank > Income and Expense
Georgia State Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,295,000 | 3,949 |
| Total interest expense | $1,347,000 | 3,156 |
| Net interest income | $948,000 | 4,799 |
| Provision for loan and lease losses | $49,000 | 3,856 |
| Total noninterest income | $332,000 | 2,930 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $129,000 | 2,906 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $203,000 | 2,553 |
| Total noninterest expense | $994,000 | 4,250 |
| Salaries and employee benefits | $575,000 | 4,101 |
| Premises and equipment expense | $115,000 | 4,754 |
| Additional noninterest expense | $304,000 | 4,074 |
| Pre-tax net operating income | $237,000 | 4,634 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $41,000 | 3,770 |
| Income before extraordinary items | $196,000 | 4,697 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $196,000 | 4,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,496,000 | 177 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $196,000 | 4,593 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $28,907,000 | 1,488 |
| Total interest expense | $14,505,000 | 1,381 |
| Net interest income | $14,402,000 | 1,572 |
| Provision for loan and lease losses | $2,485,000 | 703 |
| Total noninterest income | $3,666,000 | 1,400 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,364,000 | 1,304 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,302,000 | 1,244 |
| Total noninterest expense | $10,270,000 | 1,801 |
| Salaries and employee benefits | $5,933,000 | 1,699 |
| Premises and equipment expense | $1,297,000 | 2,015 |
| Additional noninterest expense | $3,040,000 | 1,816 |
| Pre-tax net operating income | $5,313,000 | 1,567 |
| Securities gains (losses) | $-126,000 | 8,187 |
| Applicable income taxes | $1,567,000 | 1,371 |
| Income before extraordinary items | $3,620,000 | 1,744 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,620,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $969,000 | 1,050 |
| Cash dividends | $2,550,000 | 1,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,708,200 | 1,694 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,808,000 | 1,488 |
| Total interest expense | $10,841,000 | 1,387 |
| Net interest income | $10,967,000 | 1,563 |
| Provision for loan and lease losses | $1,389,000 | 686 |
| Total noninterest income | $2,720,000 | 1,410 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,015,000 | 1,292 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,705,000 | 1,259 |
| Total noninterest expense | $7,651,000 | 1,793 |
| Salaries and employee benefits | $4,407,000 | 1,703 |
| Premises and equipment expense | $983,000 | 1,967 |
| Additional noninterest expense | $2,261,000 | 1,786 |
| Pre-tax net operating income | $4,647,000 | 1,458 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,468,000 | 1,245 |
| Income before extraordinary items | $3,179,000 | 1,589 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,179,000 | 1,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,325 |
| Cash dividends | $2,050,000 | 1,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,179,000 | 1,577 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,440,000 | 1,509 |
| Total interest expense | $7,183,000 | 1,403 |
| Net interest income | $7,257,000 | 1,591 |
| Provision for loan and lease losses | $1,042,000 | 568 |
| Total noninterest income | $1,857,000 | 1,401 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $653,000 | 1,349 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,204,000 | 1,221 |
| Total noninterest expense | $5,010,000 | 1,840 |
| Salaries and employee benefits | $2,907,000 | 1,764 |
| Premises and equipment expense | $662,000 | 1,966 |
| Additional noninterest expense | $1,441,000 | 1,880 |
| Pre-tax net operating income | $3,062,000 | 1,517 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $970,000 | 1,301 |
| Income before extraordinary items | $2,092,000 | 1,655 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,092,000 | 1,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,518 |
| Cash dividends | $1,550,000 | 1,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,092,000 | 1,637 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,123,000 | 1,523 |
| Total interest expense | $3,654,000 | 1,358 |
| Net interest income | $3,469,000 | 1,655 |
| Provision for loan and lease losses | $223,000 | 1,083 |
| Total noninterest income | $842,000 | 1,491 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $313,000 | 1,370 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $529,000 | 1,301 |
| Total noninterest expense | $2,377,000 | 1,945 |
| Salaries and employee benefits | $1,435,000 | 1,798 |
| Premises and equipment expense | $334,000 | 1,953 |
| Additional noninterest expense | $608,000 | 2,165 |
| Pre-tax net operating income | $1,711,000 | 1,369 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $556,000 | 1,185 |
| Income before extraordinary items | $1,155,000 | 1,499 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,155,000 | 1,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,697 |
| Cash dividends | $750,000 | 1,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,155,000 | 1,489 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $26,686,000 | 1,495 |
| Total interest expense | $11,715,000 | 1,436 |
| Net interest income | $14,971,000 | 1,528 |
| Provision for loan and lease losses | $610,000 | 1,585 |
| Total noninterest income | $3,908,000 | 1,315 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,482,000 | 1,198 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,426,000 | 1,165 |
| Total noninterest expense | $9,546,000 | 1,871 |
| Salaries and employee benefits | $5,672,000 | 1,721 |
| Premises and equipment expense | $1,194,000 | 2,085 |
| Additional noninterest expense | $2,680,000 | 1,975 |
| Pre-tax net operating income | $8,723,000 | 1,132 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,947,000 | 956 |
| Income before extraordinary items | $5,776,000 | 1,258 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,776,000 | 1,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,021 |
| Cash dividends | $2,100,000 | 1,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,776,000 | 1,243 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,415,000 | 1,532 |
| Total interest expense | $8,343,000 | 1,467 |
| Net interest income | $11,072,000 | 1,571 |
| Provision for loan and lease losses | $496,000 | 1,396 |
| Total noninterest income | $2,892,000 | 1,341 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,134,000 | 1,181 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,758,000 | 1,211 |
| Total noninterest expense | $6,905,000 | 1,916 |
| Salaries and employee benefits | $4,111,000 | 1,788 |
| Premises and equipment expense | $878,000 | 2,132 |
| Additional noninterest expense | $1,916,000 | 2,050 |
| Pre-tax net operating income | $6,563,000 | 1,168 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,241,000 | 995 |
| Income before extraordinary items | $4,322,000 | 1,309 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,322,000 | 1,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 1,539 |
| Cash dividends | $1,300,000 | 1,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,322,000 | 1,297 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,530,000 | 1,551 |
| Total interest expense | $5,217,000 | 1,489 |
| Net interest income | $7,313,000 | 1,581 |
| Provision for loan and lease losses | $311,000 | 1,424 |
| Total noninterest income | $1,921,000 | 1,348 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $761,000 | 1,162 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,160,000 | 1,225 |
| Total noninterest expense | $4,533,000 | 1,950 |
| Salaries and employee benefits | $2,678,000 | 1,833 |
| Premises and equipment expense | $573,000 | 2,170 |
| Additional noninterest expense | $1,282,000 | 2,055 |
| Pre-tax net operating income | $4,390,000 | 1,161 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,511,000 | 986 |
| Income before extraordinary items | $2,879,000 | 1,304 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,879,000 | 1,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 1,473 |
| Cash dividends | $800,000 | 1,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,879,000 | 1,284 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,004,000 | 1,577 |
| Total interest expense | $2,400,000 | 1,532 |
| Net interest income | $3,604,000 | 1,591 |
| Provision for loan and lease losses | $158,000 | 1,371 |
| Total noninterest income | $921,000 | 1,365 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $369,000 | 1,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $552,000 | 1,245 |
| Total noninterest expense | $2,166,000 | 2,039 |
| Salaries and employee benefits | $1,272,000 | 1,928 |
| Premises and equipment expense | $276,000 | 2,265 |
| Additional noninterest expense | $618,000 | 2,099 |
| Pre-tax net operating income | $2,201,000 | 1,129 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $758,000 | 977 |
| Income before extraordinary items | $1,443,000 | 1,278 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,443,000 | 1,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 791 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,443,000 | 1,260 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,178,000 | 1,599 |
| Total interest expense | $7,951,000 | 1,428 |
| Net interest income | $13,227,000 | 1,654 |
| Provision for loan and lease losses | $845,000 | 1,203 |
| Total noninterest income | $3,709,000 | 1,358 |
| Gross Fiduciary activities income | $33,000 | 1,109 |
| Service charges on deposit accounts | $1,613,000 | 1,103 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,063,000 | 1,331 |
| Total noninterest expense | $8,758,000 | 1,923 |
| Salaries and employee benefits | $4,896,000 | 1,892 |
| Premises and equipment expense | $1,169,000 | 2,044 |
| Additional noninterest expense | $2,693,000 | 1,881 |
| Pre-tax net operating income | $7,333,000 | 1,308 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,435,000 | 1,159 |
| Income before extraordinary items | $4,898,000 | 1,440 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,898,000 | 1,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 1,914 |
| Cash dividends | $1,275,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,898,000 | 1,424 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,260,000 | 1,622 |
| Total interest expense | $5,661,000 | 1,418 |
| Net interest income | $9,599,000 | 1,698 |
| Provision for loan and lease losses | $595,000 | 1,213 |
| Total noninterest income | $2,736,000 | 1,386 |
| Gross Fiduciary activities income | $28,000 | 1,076 |
| Service charges on deposit accounts | $1,226,000 | 1,081 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,482,000 | 1,381 |
| Total noninterest expense | $6,407,000 | 1,947 |
| Salaries and employee benefits | $3,568,000 | 1,923 |
| Premises and equipment expense | $867,000 | 2,053 |
| Additional noninterest expense | $1,972,000 | 1,890 |
| Pre-tax net operating income | $5,333,000 | 1,349 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,760,000 | 1,205 |
| Income before extraordinary items | $3,573,000 | 1,491 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,573,000 | 1,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,230 |
| Cash dividends | $875,000 | 2,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,573,000 | 1,467 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,832,000 | 1,629 |
| Total interest expense | $3,576,000 | 1,406 |
| Net interest income | $6,256,000 | 1,713 |
| Provision for loan and lease losses | $435,000 | 1,111 |
| Total noninterest income | $1,824,000 | 1,366 |
| Gross Fiduciary activities income | $19,000 | 1,071 |
| Service charges on deposit accounts | $821,000 | 1,048 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $984,000 | 1,367 |
| Total noninterest expense | $4,176,000 | 1,973 |
| Salaries and employee benefits | $2,353,000 | 1,928 |
| Premises and equipment expense | $556,000 | 2,122 |
| Additional noninterest expense | $1,267,000 | 1,938 |
| Pre-tax net operating income | $3,469,000 | 1,354 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,141,000 | 1,222 |
| Income before extraordinary items | $2,328,000 | 1,485 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,328,000 | 1,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,903 |
| Cash dividends | $475,000 | 2,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,328,000 | 1,460 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,712,000 | 1,669 |
| Total interest expense | $1,704,000 | 1,407 |
| Net interest income | $3,008,000 | 1,774 |
| Provision for loan and lease losses | $210,000 | 1,084 |
| Total noninterest income | $875,000 | 1,393 |
| Gross Fiduciary activities income | $9,000 | 1,075 |
| Service charges on deposit accounts | $399,000 | 1,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $467,000 | 1,390 |
| Total noninterest expense | $2,030,000 | 2,036 |
| Salaries and employee benefits | $1,148,000 | 1,988 |
| Premises and equipment expense | $269,000 | 2,209 |
| Additional noninterest expense | $613,000 | 1,996 |
| Pre-tax net operating income | $1,643,000 | 1,387 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $537,000 | 1,268 |
| Income before extraordinary items | $1,106,000 | 1,526 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,106,000 | 1,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 1,912 |
| Cash dividends | $275,000 | 1,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,106,000 | 1,504 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,008,000 | 1,793 |
| Total interest expense | $5,502,000 | 1,496 |
| Net interest income | $10,506,000 | 1,935 |
| Provision for loan and lease losses | $676,000 | 1,495 |
| Total noninterest income | $3,455,000 | 1,431 |
| Gross Fiduciary activities income | $46,000 | 1,072 |
| Service charges on deposit accounts | $1,832,000 | 957 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,577,000 | 1,586 |
| Total noninterest expense | $8,181,000 | 1,960 |
| Salaries and employee benefits | $4,579,000 | 1,911 |
| Premises and equipment expense | $1,058,000 | 2,165 |
| Additional noninterest expense | $2,544,000 | 1,914 |
| Pre-tax net operating income | $5,104,000 | 1,665 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,520,000 | 1,587 |
| Income before extraordinary items | $3,584,000 | 1,774 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,584,000 | 1,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,754 |
| Cash dividends | $550,000 | 3,369 |
| Sale, conversion, retirement of capital stock, net | $2,750,000 | 304 |
| Net operating income | $3,584,000 | 1,728 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,675,000 | 1,819 |
| Total interest expense | $3,909,000 | 1,550 |
| Net interest income | $7,766,000 | 1,938 |
| Provision for loan and lease losses | $636,000 | 1,179 |
| Total noninterest income | $2,568,000 | 1,459 |
| Gross Fiduciary activities income | $37,000 | 1,058 |
| Service charges on deposit accounts | $1,395,000 | 944 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,136,000 | 1,617 |
| Total noninterest expense | $5,925,000 | 2,013 |
| Salaries and employee benefits | $3,334,000 | 1,958 |
| Premises and equipment expense | $786,000 | 2,184 |
| Additional noninterest expense | $1,805,000 | 1,990 |
| Pre-tax net operating income | $3,773,000 | 1,703 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,123,000 | 1,622 |
| Income before extraordinary items | $2,650,000 | 1,811 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,650,000 | 1,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 1,955 |
| Cash dividends | $275,000 | 3,569 |
| Sale, conversion, retirement of capital stock, net | $2,750,000 | 222 |
| Net operating income | $2,650,000 | 1,762 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,499,000 | 1,864 |
| Total interest expense | $2,518,000 | 1,576 |
| Net interest income | $4,981,000 | 2,001 |
| Provision for loan and lease losses | $336,000 | 1,411 |
| Total noninterest income | $1,697,000 | 1,460 |
| Gross Fiduciary activities income | $19,000 | 1,102 |
| Service charges on deposit accounts | $934,000 | 924 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $744,000 | 1,639 |
| Total noninterest expense | $3,843,000 | 2,072 |
| Salaries and employee benefits | $2,149,000 | 2,026 |
| Premises and equipment expense | $515,000 | 2,220 |
| Additional noninterest expense | $1,179,000 | 2,042 |
| Pre-tax net operating income | $2,499,000 | 1,681 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $748,000 | 1,613 |
| Income before extraordinary items | $1,751,000 | 1,805 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,751,000 | 1,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 1,330 |
| Cash dividends | $275,000 | 3,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,751,000 | 1,754 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,688,000 | 1,910 |
| Total interest expense | $1,228,000 | 1,640 |
| Net interest income | $2,460,000 | 2,033 |
| Provision for loan and lease losses | $108,000 | 1,991 |
| Total noninterest income | $760,000 | 1,551 |
| Gross Fiduciary activities income | $9,000 | 1,110 |
| Service charges on deposit accounts | $437,000 | 960 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $314,000 | 1,830 |
| Total noninterest expense | $1,852,000 | 2,164 |
| Salaries and employee benefits | $1,038,000 | 2,124 |
| Premises and equipment expense | $253,000 | 2,277 |
| Additional noninterest expense | $561,000 | 2,111 |
| Pre-tax net operating income | $1,260,000 | 1,648 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $383,000 | 1,622 |
| Income before extraordinary items | $877,000 | 1,784 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $877,000 | 1,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,873 |
| Cash dividends | $275,000 | 1,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $877,000 | 1,700 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,689,000 | 2,080 |
| Total interest expense | $4,728,000 | 1,899 |
| Net interest income | $8,961,000 | 2,163 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $3,631,000 | 1,449 |
| Gross Fiduciary activities income | $35,000 | 1,144 |
| Service charges on deposit accounts | $1,925,000 | 899 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,671,000 | 1,674 |
| Total noninterest expense | $7,767,000 | 2,034 |
| Salaries and employee benefits | $4,668,000 | 1,850 |
| Premises and equipment expense | $943,000 | 2,386 |
| Additional noninterest expense | $2,156,000 | 2,237 |
| Pre-tax net operating income | $4,585,000 | 1,756 |
| Securities gains (losses) | $6,000 | 3,841 |
| Applicable income taxes | $1,479,000 | 1,641 |
| Income before extraordinary items | $3,112,000 | 1,974 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,112,000 | 1,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 4,154 |
| Cash dividends | $1,000,000 | 2,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,107,920 | 1,891 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,028,000 | 2,157 |
| Total interest expense | $3,596,000 | 1,944 |
| Net interest income | $6,432,000 | 2,276 |
| Provision for loan and lease losses | $220,000 | 3,174 |
| Total noninterest income | $2,808,000 | 1,442 |
| Gross Fiduciary activities income | $26,000 | 1,139 |
| Service charges on deposit accounts | $1,465,000 | 880 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,317,000 | 1,689 |
| Total noninterest expense | $5,469,000 | 2,164 |
| Salaries and employee benefits | $3,226,000 | 1,997 |
| Premises and equipment expense | $697,000 | 2,416 |
| Additional noninterest expense | $1,546,000 | 2,320 |
| Pre-tax net operating income | $3,551,000 | 1,762 |
| Securities gains (losses) | $6,000 | 3,549 |
| Applicable income taxes | $1,172,000 | 1,644 |
| Income before extraordinary items | $2,385,000 | 2,013 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,385,000 | 2,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,102 |
| Cash dividends | $700,000 | 2,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,380,980 | 1,913 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,603,000 | 2,207 |
| Total interest expense | $2,464,000 | 1,957 |
| Net interest income | $4,139,000 | 2,341 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $1,874,000 | 1,429 |
| Gross Fiduciary activities income | $17,000 | 1,146 |
| Service charges on deposit accounts | $969,000 | 877 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $888,000 | 1,650 |
| Total noninterest expense | $3,598,000 | 2,181 |
| Salaries and employee benefits | $2,175,000 | 1,960 |
| Premises and equipment expense | $446,000 | 2,508 |
| Additional noninterest expense | $977,000 | 2,413 |
| Pre-tax net operating income | $2,295,000 | 1,817 |
| Securities gains (losses) | $6,000 | 3,151 |
| Applicable income taxes | $769,000 | 1,678 |
| Income before extraordinary items | $1,532,000 | 2,071 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,532,000 | 2,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,896 |
| Cash dividends | $475,000 | 2,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,527,980 | 1,953 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,184,000 | 2,321 |
| Total interest expense | $1,218,000 | 2,026 |
| Net interest income | $1,966,000 | 2,474 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $842,000 | 1,521 |
| Gross Fiduciary activities income | $9,000 | 1,140 |
| Service charges on deposit accounts | $471,000 | 871 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $362,000 | 1,861 |
| Total noninterest expense | $1,721,000 | 2,266 |
| Salaries and employee benefits | $1,043,000 | 2,031 |
| Premises and equipment expense | $219,000 | 2,553 |
| Additional noninterest expense | $459,000 | 2,524 |
| Pre-tax net operating income | $1,027,000 | 1,987 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $339,000 | 1,872 |
| Income before extraordinary items | $688,000 | 2,223 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $688,000 | 2,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 1,835 |
| Cash dividends | $225,000 | 2,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $688,000 | 2,104 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,708,000 | 2,087 |
| Total interest expense | $5,412,000 | 2,075 |
| Net interest income | $9,296,000 | 2,084 |
| Provision for loan and lease losses | $490,000 | 2,411 |
| Total noninterest income | $2,569,000 | 1,764 |
| Gross Fiduciary activities income | $33,000 | 1,196 |
| Service charges on deposit accounts | $1,465,000 | 1,098 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,071,000 | 2,078 |
| Total noninterest expense | $6,601,000 | 2,263 |
| Salaries and employee benefits | $3,786,000 | 2,108 |
| Premises and equipment expense | $790,000 | 2,720 |
| Additional noninterest expense | $2,025,000 | 2,281 |
| Pre-tax net operating income | $4,774,000 | 1,715 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,595,000 | 1,570 |
| Income before extraordinary items | $3,179,000 | 1,888 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,179,000 | 1,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,350 |
| Cash dividends | $750,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,179,000 | 1,826 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,936,000 | 2,290 |
| Total interest expense | $7,305,000 | 2,196 |
| Net interest income | $7,631,000 | 2,348 |
| Provision for loan and lease losses | $350,000 | 2,901 |
| Total noninterest income | $2,149,000 | 1,906 |
| Gross Fiduciary activities income | $68,000 | 1,075 |
| Service charges on deposit accounts | $1,150,000 | 1,297 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $931,000 | 2,153 |
| Total noninterest expense | $5,343,000 | 2,653 |
| Salaries and employee benefits | $3,116,000 | 2,410 |
| Premises and equipment expense | $832,000 | 2,531 |
| Additional noninterest expense | $1,395,000 | 3,067 |
| Pre-tax net operating income | $4,087,000 | 1,746 |
| Securities gains (losses) | $11,000 | 3,540 |
| Applicable income taxes | $1,365,000 | 1,634 |
| Income before extraordinary items | $2,733,000 | 1,918 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,733,000 | 1,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,161 |
| Cash dividends | $350,000 | 4,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,725,630 | 1,847 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,252,000 | 2,622 |
| Total interest expense | $6,407,000 | 2,604 |
| Net interest income | $6,845,000 | 2,598 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $1,714,000 | 2,109 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $984,000 | 1,383 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $730,000 | 2,288 |
| Total noninterest expense | $4,963,000 | 2,743 |
| Salaries and employee benefits | $2,821,000 | 2,533 |
| Premises and equipment expense | $852,000 | 2,426 |
| Additional noninterest expense | $1,290,000 | 3,198 |
| Pre-tax net operating income | $3,576,000 | 2,043 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,220,000 | 1,797 |
| Income before extraordinary items | $2,356,000 | 2,196 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,356,000 | 2,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-80,000 | 9,707 |
| Cash dividends | $1,050,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,356,000 | 2,205 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,823,000 | 2,983 |
| Total interest expense | $4,760,000 | 3,067 |
| Net interest income | $6,063,000 | 2,904 |
| Provision for loan and lease losses | $15,000 | 7,855 |
| Total noninterest income | $1,660,000 | 2,140 |
| Gross Fiduciary activities income | $3,000 | 1,324 |
| Service charges on deposit accounts | $832,000 | 1,586 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $825,000 | 2,119 |
| Total noninterest expense | $4,507,000 | 2,981 |
| Salaries and employee benefits | $2,535,000 | 2,773 |
| Premises and equipment expense | $693,000 | 2,884 |
| Additional noninterest expense | $1,279,000 | 3,254 |
| Pre-tax net operating income | $3,201,000 | 2,274 |
| Securities gains (losses) | $23,000 | 1,318 |
| Applicable income taxes | $1,121,000 | 2,029 |
| Income before extraordinary items | $2,103,000 | 2,464 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,103,000 | 2,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,940 |
| Cash dividends | $450,000 | 3,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,088,050 | 2,442 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,764,000 | 3,312 |
| Total interest expense | $4,334,000 | 3,421 |
| Net interest income | $5,430,000 | 3,162 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $1,644,000 | 2,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $876,000 | 1,428 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $768,000 | 2,236 |
| Total noninterest expense | $4,544,000 | 2,853 |
| Salaries and employee benefits | $2,338,000 | 2,895 |
| Premises and equipment expense | $573,000 | 3,308 |
| Additional noninterest expense | $1,633,000 | 2,563 |
| Pre-tax net operating income | $2,520,000 | 2,765 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $869,000 | 2,557 |
| Income before extraordinary items | $1,651,000 | 3,010 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,651,000 | 3,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,217 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,651,000 | 2,925 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,774,000 | 4,070 |
| Total interest expense | $3,107,000 | 4,569 |
| Net interest income | $4,667,000 | 3,714 |
| Provision for loan and lease losses | $150,000 | 4,117 |
| Total noninterest income | $1,353,000 | 2,396 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $783,000 | 1,655 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $570,000 | 2,585 |
| Total noninterest expense | $4,006,000 | 3,178 |
| Salaries and employee benefits | $2,143,000 | 3,088 |
| Premises and equipment expense | $525,000 | 3,551 |
| Additional noninterest expense | $1,338,000 | 3,021 |
| Pre-tax net operating income | $1,864,000 | 3,750 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $220,000 | 6,618 |
| Income before extraordinary items | $1,650,000 | 3,077 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,650,000 | 3,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,933 |
| Cash dividends | $100,000 | 6,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,644,720 | 3,025 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,372,000 | 4,952 |
| Total interest expense | $2,596,000 | 5,358 |
| Net interest income | $3,776,000 | 4,535 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,004,000 | 3,111 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $636,000 | 2,130 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $368,000 | 3,571 |
| Total noninterest expense | $3,512,000 | 3,759 |
| Salaries and employee benefits | $1,805,000 | 3,658 |
| Premises and equipment expense | $421,000 | 4,352 |
| Additional noninterest expense | $1,286,000 | 3,564 |
| Pre-tax net operating income | $1,268,000 | 4,923 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $1,268,000 | 3,697 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,268,000 | 3,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-292,000 | 11,376 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,268,000 | 3,647 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,867,000 | 5,296 |
| Total interest expense | $2,307,000 | 5,877 |
| Net interest income | $3,560,000 | 4,792 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $856,000 | 3,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $570,000 | 2,377 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,119 |
| Total noninterest expense | $3,320,000 | 3,936 |
| Salaries and employee benefits | $1,578,000 | 4,098 |
| Premises and equipment expense | $369,000 | 4,840 |
| Additional noninterest expense | $1,373,000 | 3,327 |
| Pre-tax net operating income | $1,066,000 | 5,727 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $1,061,000 | 4,369 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,061,000 | 4,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 11,314 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,066,000 | 4,354 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,745,000 | 5,907 |
| Total interest expense | $1,643,000 | 6,493 |
| Net interest income | $3,102,000 | 5,473 |
| Provision for loan and lease losses | $112,000 | 4,309 |
| Total noninterest income | $754,000 | 3,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $540,000 | 2,522 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 5,051 |
| Total noninterest expense | $2,963,000 | 4,468 |
| Salaries and employee benefits | $1,273,000 | 4,977 |
| Premises and equipment expense | $294,000 | 5,808 |
| Additional noninterest expense | $1,396,000 | 3,540 |
| Pre-tax net operating income | $781,000 | 6,964 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $781,000 | 5,455 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $781,000 | 5,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,752 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $781,000 | 5,529 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,255,000 | 6,573 |
| Total interest expense | $1,679,000 | 6,682 |
| Net interest income | $2,576,000 | 6,403 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $1,943,000 | 2,021 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $608,000 | 2,264 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,335,000 | 1,689 |
| Total noninterest expense | $4,120,000 | 3,390 |
| Salaries and employee benefits | $2,175,000 | 3,008 |
| Premises and equipment expense | $388,000 | 4,834 |
| Additional noninterest expense | $1,557,000 | 3,396 |
| Pre-tax net operating income | $299,000 | 10,253 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $299,000 | 9,493 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $299,000 | 9,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 6,463 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $995,000 | 480 |
| Net operating income | $299,000 | 9,227 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,945,000 | 6,454 |
| Total interest expense | $2,546,000 | 5,902 |
| Net interest income | $2,399,000 | 6,795 |
| Provision for loan and lease losses | $1,696,000 | 1,291 |
| Total noninterest income | $1,136,000 | 2,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $787,000 | 1,710 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $349,000 | 4,042 |
| Total noninterest expense | $3,998,000 | 3,505 |
| Salaries and employee benefits | $1,609,000 | 3,974 |
| Premises and equipment expense | $408,000 | 4,722 |
| Additional noninterest expense | $1,981,000 | 2,829 |
| Pre-tax net operating income | $-2,159,000 | 13,654 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-2,159,000 | 13,685 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-2,159,000 | 13,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,316,000 | 876 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-2,159,000 | 13,637 |
* 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.