Home > Georgian Bank > Income and Expense
Georgian Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $47,362,000 | 379 |
| Total interest expense | $28,922,000 | 227 |
| Net interest income | $18,440,000 | 599 |
| Provision for loan and lease losses | $56,164,000 | 148 |
| Total noninterest income | $-2,161,000 | 8,165 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $988,000 | 854 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-3,149,000 | 8,175 |
| Total noninterest expense | $20,793,000 | 530 |
| Salaries and employee benefits | $10,490,000 | 475 |
| Premises and equipment expense | $2,308,000 | 597 |
| Additional noninterest expense | $7,995,000 | 507 |
| Pre-tax net operating income | $-60,678,000 | 8,113 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-15,662,000 | 8,120 |
| Income before extraordinary items | $-45,016,000 | 8,106 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-45,016,000 | 8,105 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-45,016,000 | 8,105 |
| Net charge-offs | $25,807,000 | 196 |
| Cash dividends | $500,000 | 1,607 |
| Sale, conversion, retirement of capital stock, net | $696,000 | 317 |
| Net operating income | $-45,016,000 | 8,099 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $25,326,000 | 364 |
| Total interest expense | $14,892,000 | 234 |
| Net interest income | $10,434,000 | 509 |
| Provision for loan and lease losses | $14,914,000 | 198 |
| Total noninterest income | $514,000 | 2,098 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $464,000 | 882 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $50,000 | 4,842 |
| Total noninterest expense | $9,730,000 | 533 |
| Salaries and employee benefits | $5,284,000 | 475 |
| Premises and equipment expense | $1,160,000 | 608 |
| Additional noninterest expense | $3,286,000 | 538 |
| Pre-tax net operating income | $-13,696,000 | 8,129 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-5,347,000 | 8,160 |
| Income before extraordinary items | $-8,349,000 | 8,107 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-8,349,000 | 8,107 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-8,349,000 | 8,107 |
| Net charge-offs | $4,050,000 | 364 |
| Cash dividends | $500,000 | 851 |
| Sale, conversion, retirement of capital stock, net | $362,000 | 225 |
| Net operating income | $-8,349,000 | 8,109 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $118,623,000 | 341 |
| Total interest expense | $66,560,000 | 260 |
| Net interest income | $52,063,000 | 427 |
| Provision for loan and lease losses | $8,725,000 | 662 |
| Total noninterest income | $-896,000 | 8,248 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,481,000 | 1,217 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-2,377,000 | 8,283 |
| Total noninterest expense | $36,862,000 | 547 |
| Salaries and employee benefits | $22,077,000 | 437 |
| Premises and equipment expense | $4,786,000 | 574 |
| Additional noninterest expense | $9,999,000 | 681 |
| Pre-tax net operating income | $5,580,000 | 1,002 |
| Securities gains (losses) | $1,042,000 | 208 |
| Applicable income taxes | $2,560,000 | 538 |
| Income before extraordinary items | $4,062,000 | 1,025 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,062,000 | 1,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,937,000 | 824 |
| Cash dividends | $2,950,000 | 932 |
| Sale, conversion, retirement of capital stock, net | $1,417,000 | 377 |
| Net operating income | $3,395,120 | 1,306 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $91,868,000 | 344 |
| Total interest expense | $50,267,000 | 273 |
| Net interest income | $41,601,000 | 418 |
| Provision for loan and lease losses | $4,125,000 | 741 |
| Total noninterest income | $1,316,000 | 2,420 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $993,000 | 1,370 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $323,000 | 3,561 |
| Total noninterest expense | $27,568,000 | 541 |
| Salaries and employee benefits | $16,749,000 | 449 |
| Premises and equipment expense | $3,624,000 | 576 |
| Additional noninterest expense | $7,195,000 | 664 |
| Pre-tax net operating income | $11,224,000 | 458 |
| Securities gains (losses) | $1,042,000 | 175 |
| Applicable income taxes | $4,739,000 | 326 |
| Income before extraordinary items | $7,527,000 | 485 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $7,527,000 | 484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,293,000 | 1,110 |
| Cash dividends | $1,450,000 | 1,353 |
| Sale, conversion, retirement of capital stock, net | $1,055,000 | 291 |
| Net operating income | $6,860,120 | 559 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $62,579,000 | 347 |
| Total interest expense | $33,530,000 | 280 |
| Net interest income | $29,049,000 | 411 |
| Provision for loan and lease losses | $2,250,000 | 721 |
| Total noninterest income | $961,000 | 2,295 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $591,000 | 1,508 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $370,000 | 2,699 |
| Total noninterest expense | $18,488,000 | 540 |
| Salaries and employee benefits | $11,299,000 | 453 |
| Premises and equipment expense | $2,413,000 | 577 |
| Additional noninterest expense | $4,776,000 | 647 |
| Pre-tax net operating income | $9,272,000 | 400 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $3,609,000 | 337 |
| Income before extraordinary items | $5,663,000 | 494 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,663,000 | 493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,018 |
| Cash dividends | $950,000 | 1,486 |
| Sale, conversion, retirement of capital stock, net | $682,000 | 236 |
| Net operating income | $5,663,000 | 484 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $32,999,000 | 342 |
| Total interest expense | $17,419,000 | 291 |
| Net interest income | $15,580,000 | 383 |
| Provision for loan and lease losses | $1,125,000 | 577 |
| Total noninterest income | $399,000 | 2,601 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $251,000 | 1,724 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $148,000 | 3,065 |
| Total noninterest expense | $9,167,000 | 538 |
| Salaries and employee benefits | $5,775,000 | 439 |
| Premises and equipment expense | $1,189,000 | 582 |
| Additional noninterest expense | $2,203,000 | 663 |
| Pre-tax net operating income | $5,687,000 | 357 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $2,222,000 | 310 |
| Income before extraordinary items | $3,465,000 | 430 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,465,000 | 431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 1,764 |
| Cash dividends | $650,000 | 1,088 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 172 |
| Net operating income | $3,465,000 | 417 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $149,163,000 | 318 |
| Total interest expense | $79,535,000 | 282 |
| Net interest income | $69,628,000 | 354 |
| Provision for loan and lease losses | $5,695,000 | 369 |
| Total noninterest income | $1,414,000 | 2,814 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $896,000 | 1,931 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $518,000 | 3,240 |
| Total noninterest expense | $31,555,000 | 595 |
| Salaries and employee benefits | $20,608,000 | 473 |
| Premises and equipment expense | $4,334,000 | 612 |
| Additional noninterest expense | $6,613,000 | 855 |
| Pre-tax net operating income | $33,792,000 | 320 |
| Securities gains (losses) | $282,000 | 374 |
| Applicable income taxes | $13,096,000 | 267 |
| Income before extraordinary items | $20,978,000 | 346 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $20,978,000 | 343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,768,000 | 387 |
| Cash dividends | $2,300,000 | 1,456 |
| Sale, conversion, retirement of capital stock, net | $1,148,000 | 411 |
| Net operating income | $20,797,520 | 347 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $111,376,000 | 319 |
| Total interest expense | $58,955,000 | 283 |
| Net interest income | $52,421,000 | 356 |
| Provision for loan and lease losses | $3,570,000 | 333 |
| Total noninterest income | $984,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $594,000 | 2,134 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $390,000 | 3,249 |
| Total noninterest expense | $23,349,000 | 586 |
| Salaries and employee benefits | $15,649,000 | 475 |
| Premises and equipment expense | $3,169,000 | 626 |
| Additional noninterest expense | $4,531,000 | 899 |
| Pre-tax net operating income | $26,486,000 | 328 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $10,174,000 | 284 |
| Income before extraordinary items | $16,312,000 | 367 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $16,312,000 | 365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $715,000 | 828 |
| Cash dividends | $1,300,000 | 1,670 |
| Sale, conversion, retirement of capital stock, net | $821,000 | 339 |
| Net operating income | $16,312,000 | 365 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $71,638,000 | 339 |
| Total interest expense | $37,443,000 | 303 |
| Net interest income | $34,195,000 | 371 |
| Provision for loan and lease losses | $2,445,000 | 277 |
| Total noninterest income | $635,000 | 3,030 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $358,000 | 2,314 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $277,000 | 3,155 |
| Total noninterest expense | $15,435,000 | 613 |
| Salaries and employee benefits | $10,382,000 | 493 |
| Premises and equipment expense | $2,151,000 | 637 |
| Additional noninterest expense | $2,902,000 | 956 |
| Pre-tax net operating income | $16,950,000 | 364 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $6,509,000 | 320 |
| Income before extraordinary items | $10,441,000 | 407 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $10,441,000 | 406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 1,268 |
| Cash dividends | $1,300,000 | 1,244 |
| Sale, conversion, retirement of capital stock, net | $521,000 | 292 |
| Net operating income | $10,441,000 | 400 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $34,267,000 | 350 |
| Total interest expense | $18,004,000 | 307 |
| Net interest income | $16,263,000 | 381 |
| Provision for loan and lease losses | $1,125,000 | 274 |
| Total noninterest income | $307,000 | 3,064 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $167,000 | 2,392 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $140,000 | 3,143 |
| Total noninterest expense | $7,559,000 | 619 |
| Salaries and employee benefits | $5,086,000 | 507 |
| Premises and equipment expense | $1,068,000 | 639 |
| Additional noninterest expense | $1,405,000 | 970 |
| Pre-tax net operating income | $7,886,000 | 383 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $3,032,000 | 341 |
| Income before extraordinary items | $4,854,000 | 428 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,854,000 | 427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,041 |
| Cash dividends | $650,000 | 1,145 |
| Sale, conversion, retirement of capital stock, net | $256,000 | 219 |
| Net operating income | $4,854,000 | 417 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $110,971,000 | 386 |
| Total interest expense | $54,510,000 | 335 |
| Net interest income | $56,461,000 | 408 |
| Provision for loan and lease losses | $4,660,000 | 256 |
| Total noninterest income | $883,000 | 3,823 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $513,000 | 2,998 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $370,000 | 3,883 |
| Total noninterest expense | $25,189,000 | 708 |
| Salaries and employee benefits | $16,957,000 | 559 |
| Premises and equipment expense | $3,609,000 | 710 |
| Additional noninterest expense | $4,623,000 | 1,165 |
| Pre-tax net operating income | $27,495,000 | 438 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $10,838,000 | 368 |
| Income before extraordinary items | $16,657,000 | 486 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $16,657,000 | 485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,862 |
| Cash dividends | $1,100,000 | 2,398 |
| Sale, conversion, retirement of capital stock, net | $569,000 | 579 |
| Net operating income | $16,657,000 | 475 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $78,774,000 | 413 |
| Total interest expense | $37,579,000 | 364 |
| Net interest income | $41,195,000 | 439 |
| Provision for loan and lease losses | $3,675,000 | 234 |
| Total noninterest income | $646,000 | 3,886 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $388,000 | 3,006 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $258,000 | 4,038 |
| Total noninterest expense | $18,139,000 | 742 |
| Salaries and employee benefits | $12,456,000 | 585 |
| Premises and equipment expense | $2,575,000 | 752 |
| Additional noninterest expense | $3,108,000 | 1,290 |
| Pre-tax net operating income | $20,027,000 | 464 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $7,862,000 | 402 |
| Income before extraordinary items | $12,165,000 | 517 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $12,165,000 | 517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,926 |
| Cash dividends | $700,000 | 2,435 |
| Sale, conversion, retirement of capital stock, net | $429,000 | 474 |
| Net operating income | $12,165,000 | 503 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $49,156,000 | 428 |
| Total interest expense | $22,813,000 | 382 |
| Net interest income | $26,343,000 | 455 |
| Provision for loan and lease losses | $2,364,000 | 244 |
| Total noninterest income | $434,000 | 3,848 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $253,000 | 3,037 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $181,000 | 3,931 |
| Total noninterest expense | $11,619,000 | 775 |
| Salaries and employee benefits | $7,978,000 | 618 |
| Premises and equipment expense | $1,655,000 | 784 |
| Additional noninterest expense | $1,986,000 | 1,349 |
| Pre-tax net operating income | $12,794,000 | 474 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $5,045,000 | 414 |
| Income before extraordinary items | $7,749,000 | 528 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,749,000 | 527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,380 |
| Cash dividends | $200,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $7,773,000 | 134 |
| Net operating income | $7,749,000 | 517 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $22,886,000 | 440 |
| Total interest expense | $10,411,000 | 395 |
| Net interest income | $12,475,000 | 472 |
| Provision for loan and lease losses | $1,112,000 | 242 |
| Total noninterest income | $187,000 | 4,120 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $121,000 | 3,061 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $66,000 | 4,533 |
| Total noninterest expense | $5,553,000 | 803 |
| Salaries and employee benefits | $3,756,000 | 651 |
| Premises and equipment expense | $829,000 | 783 |
| Additional noninterest expense | $968,000 | 1,357 |
| Pre-tax net operating income | $5,997,000 | 489 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,360,000 | 435 |
| Income before extraordinary items | $3,637,000 | 553 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,637,000 | 552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 1,405 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $7,623,000 | 61 |
| Net operating income | $3,637,000 | 540 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $63,170,000 | 544 |
| Total interest expense | $27,830,000 | 439 |
| Net interest income | $35,340,000 | 618 |
| Provision for loan and lease losses | $4,090,000 | 280 |
| Total noninterest income | $602,000 | 4,778 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $349,000 | 3,844 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $253,000 | 4,704 |
| Total noninterest expense | $16,074,000 | 1,058 |
| Salaries and employee benefits | $10,880,000 | 840 |
| Premises and equipment expense | $2,204,000 | 1,099 |
| Additional noninterest expense | $2,990,000 | 1,690 |
| Pre-tax net operating income | $15,778,000 | 649 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $6,007,000 | 566 |
| Income before extraordinary items | $9,771,000 | 740 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $9,771,000 | 742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $401,000 | 1,401 |
| Cash dividends | $125,000 | 5,335 |
| Sale, conversion, retirement of capital stock, net | $31,950,000 | 41 |
| Net operating income | $9,771,000 | 727 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $43,105,000 | 571 |
| Total interest expense | $18,781,000 | 448 |
| Net interest income | $24,324,000 | 643 |
| Provision for loan and lease losses | $2,589,000 | 303 |
| Total noninterest income | $448,000 | 4,836 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $243,000 | 4,031 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $205,000 | 4,560 |
| Total noninterest expense | $10,892,000 | 1,181 |
| Salaries and employee benefits | $7,598,000 | 890 |
| Premises and equipment expense | $1,403,000 | 1,301 |
| Additional noninterest expense | $1,891,000 | 1,974 |
| Pre-tax net operating income | $11,291,000 | 668 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $4,309,000 | 585 |
| Income before extraordinary items | $6,982,000 | 772 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,982,000 | 773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,746 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $31,950,000 | 29 |
| Net operating income | $6,982,000 | 755 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $26,501,000 | 594 |
| Total interest expense | $11,005,000 | 478 |
| Net interest income | $15,496,000 | 662 |
| Provision for loan and lease losses | $1,974,000 | 267 |
| Total noninterest income | $294,000 | 4,840 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $151,000 | 4,136 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $143,000 | 4,428 |
| Total noninterest expense | $7,029,000 | 1,204 |
| Salaries and employee benefits | $4,747,000 | 942 |
| Premises and equipment expense | $873,000 | 1,386 |
| Additional noninterest expense | $1,409,000 | 1,755 |
| Pre-tax net operating income | $6,787,000 | 719 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,589,000 | 624 |
| Income before extraordinary items | $4,198,000 | 836 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,198,000 | 836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,128 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $14,950,000 | 54 |
| Net operating income | $4,198,000 | 818 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $11,699,000 | 644 |
| Total interest expense | $4,888,000 | 507 |
| Net interest income | $6,811,000 | 746 |
| Provision for loan and lease losses | $1,143,000 | 235 |
| Total noninterest income | $119,000 | 5,277 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $72,000 | 4,184 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $47,000 | 5,321 |
| Total noninterest expense | $3,245,000 | 1,315 |
| Salaries and employee benefits | $2,194,000 | 1,026 |
| Premises and equipment expense | $424,000 | 1,433 |
| Additional noninterest expense | $627,000 | 1,962 |
| Pre-tax net operating income | $2,542,000 | 922 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $964,000 | 784 |
| Income before extraordinary items | $1,578,000 | 1,089 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,578,000 | 1,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,020 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $6,950,000 | 58 |
| Net operating income | $1,578,000 | 1,063 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $27,465,000 | 1,026 |
| Total interest expense | $9,858,000 | 825 |
| Net interest income | $17,607,000 | 1,147 |
| Provision for loan and lease losses | $4,389,000 | 283 |
| Total noninterest income | $326,000 | 6,228 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $143,000 | 5,885 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $183,000 | 5,292 |
| Total noninterest expense | $9,989,000 | 1,623 |
| Salaries and employee benefits | $6,478,000 | 1,365 |
| Premises and equipment expense | $1,213,000 | 1,893 |
| Additional noninterest expense | $2,298,000 | 2,114 |
| Pre-tax net operating income | $3,555,000 | 2,250 |
| Securities gains (losses) | $688,000 | 369 |
| Applicable income taxes | $1,578,000 | 1,545 |
| Income before extraordinary items | $2,665,000 | 2,294 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,665,000 | 2,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,043 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,224,680 | 2,618 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,541,000 | 1,187 |
| Total interest expense | $5,874,000 | 1,011 |
| Net interest income | $11,667,000 | 1,285 |
| Provision for loan and lease losses | $3,558,000 | 279 |
| Total noninterest income | $208,000 | 6,599 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $74,000 | 6,546 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $134,000 | 5,364 |
| Total noninterest expense | $6,903,000 | 1,752 |
| Salaries and employee benefits | $4,422,000 | 1,506 |
| Premises and equipment expense | $876,000 | 1,977 |
| Additional noninterest expense | $1,605,000 | 2,255 |
| Pre-tax net operating income | $1,414,000 | 3,729 |
| Securities gains (losses) | $688,000 | 343 |
| Applicable income taxes | $771,000 | 2,158 |
| Income before extraordinary items | $1,331,000 | 3,279 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,331,000 | 3,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $890,680 | 4,227 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,993,000 | 1,397 |
| Total interest expense | $3,212,000 | 1,233 |
| Net interest income | $6,781,000 | 1,471 |
| Provision for loan and lease losses | $2,540,000 | 265 |
| Total noninterest income | $110,000 | 7,064 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $41,000 | 6,815 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $69,000 | 5,871 |
| Total noninterest expense | $4,312,000 | 1,853 |
| Salaries and employee benefits | $2,772,000 | 1,591 |
| Premises and equipment expense | $513,000 | 2,230 |
| Additional noninterest expense | $1,027,000 | 2,336 |
| Pre-tax net operating income | $39,000 | 8,303 |
| Securities gains (losses) | $243,000 | 572 |
| Applicable income taxes | $85,000 | 5,047 |
| Income before extraordinary items | $197,000 | 6,930 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $197,000 | 6,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $26,900 | 8,345 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,524,000 | 1,556 |
| Total interest expense | $1,317,000 | 1,516 |
| Net interest income | $3,207,000 | 1,555 |
| Provision for loan and lease losses | $1,398,000 | 248 |
| Total noninterest income | $52,000 | 7,147 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $19,000 | 6,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $33,000 | 5,928 |
| Total noninterest expense | $1,870,000 | 2,145 |
| Salaries and employee benefits | $1,207,000 | 1,828 |
| Premises and equipment expense | $203,000 | 2,778 |
| Additional noninterest expense | $460,000 | 2,558 |
| Pre-tax net operating income | $-9,000 | 8,600 |
| Securities gains (losses) | $243,000 | 431 |
| Applicable income taxes | $89,000 | 3,977 |
| Income before extraordinary items | $145,000 | 6,091 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $145,000 | 6,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-10,520 | 8,606 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,217,000 | 4,207 |
| Total interest expense | $1,624,000 | 4,650 |
| Net interest income | $4,593,000 | 3,941 |
| Provision for loan and lease losses | $2,206,000 | 607 |
| Total noninterest income | $175,000 | 7,568 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $50,000 | 7,429 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $125,000 | 6,148 |
| Total noninterest expense | $3,036,000 | 4,574 |
| Salaries and employee benefits | $2,022,000 | 3,889 |
| Premises and equipment expense | $333,000 | 5,335 |
| Additional noninterest expense | $681,000 | 5,589 |
| Pre-tax net operating income | $-474,000 | 8,811 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-680,000 | 9,111 |
| Income before extraordinary items | $206,000 | 7,735 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $206,000 | 7,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $49,000,000 | 21 |
| Net operating income | $206,000 | 7,604 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,196,000 | 5,484 |
| Total interest expense | $999,000 | 5,389 |
| Net interest income | $2,197,000 | 5,397 |
| Provision for loan and lease losses | $991,000 | 907 |
| Total noninterest income | $138,000 | 7,529 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $36,000 | 7,530 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $102,000 | 6,046 |
| Total noninterest expense | $1,783,000 | 5,370 |
| Salaries and employee benefits | $1,180,000 | 4,681 |
| Premises and equipment expense | $212,000 | 5,838 |
| Additional noninterest expense | $391,000 | 6,403 |
| Pre-tax net operating income | $-439,000 | 8,933 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-667,000 | 9,185 |
| Income before extraordinary items | $228,000 | 7,408 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $228,000 | 7,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $49,000,000 | 15 |
| Net operating income | $228,000 | 7,249 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,723,000 | 6,200 |
| Total interest expense | $643,000 | 5,611 |
| Net interest income | $1,080,000 | 6,410 |
| Provision for loan and lease losses | $114,000 | 3,657 |
| Total noninterest income | $85,000 | 7,678 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $23,000 | 7,567 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $62,000 | 6,200 |
| Total noninterest expense | $1,046,000 | 5,843 |
| Salaries and employee benefits | $677,000 | 5,204 |
| Premises and equipment expense | $144,000 | 5,786 |
| Additional noninterest expense | $225,000 | 6,827 |
| Pre-tax net operating income | $5,000 | 8,631 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $5,000 | 8,736 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,000 | 8,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,000 | 8,618 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $838,000 | 6,309 |
| Total interest expense | $326,000 | 5,685 |
| Net interest income | $512,000 | 6,576 |
| Provision for loan and lease losses | $69,000 | 3,098 |
| Total noninterest income | $43,000 | 7,632 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $12,000 | 7,514 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 6,166 |
| Total noninterest expense | $520,000 | 5,872 |
| Salaries and employee benefits | $338,000 | 5,218 |
| Premises and equipment expense | $73,000 | 5,718 |
| Additional noninterest expense | $109,000 | 6,915 |
| Pre-tax net operating income | $-34,000 | 8,848 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-34,000 | 8,918 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-34,000 | 8,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-34,000 | 8,826 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,130,000 | 7,714 |
| Total interest expense | $770,000 | 7,609 |
| Net interest income | $1,360,000 | 7,656 |
| Provision for loan and lease losses | $437,000 | 2,646 |
| Total noninterest income | $77,000 | 8,672 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $28,000 | 7,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $49,000 | 7,624 |
| Total noninterest expense | $1,662,000 | 6,539 |
| Salaries and employee benefits | $1,045,000 | 5,968 |
| Premises and equipment expense | $201,000 | 6,768 |
| Additional noninterest expense | $416,000 | 7,038 |
| Pre-tax net operating income | $-662,000 | 9,040 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-662,000 | 9,099 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-662,000 | 9,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-662,000 | 9,052 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $176,000 | 9,544 |
| Total interest expense | $24,000 | 9,539 |
| Net interest income | $152,000 | 9,522 |
| Provision for loan and lease losses | $55,000 | 6,550 |
| Total noninterest income | $0 | 9,561 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $664,000 | 8,765 |
| Salaries and employee benefits | $414,000 | 8,562 |
| Premises and equipment expense | $57,000 | 9,009 |
| Additional noninterest expense | $193,000 | 8,715 |
| Pre-tax net operating income | $-567,000 | 9,196 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-567,000 | 9,263 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-567,000 | 9,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $8,800,000 | 86 |
| Net operating income | $-567,000 | 9,225 |
* 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.