Home > Gwinnett Banking Company > Income and Expense
Gwinnett Banking Company, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $34,642,000 | 1,141 |
| Total interest expense | $15,217,000 | 1,101 |
| Net interest income | $19,425,000 | 1,147 |
| Provision for loan and lease losses | $634,000 | 1,541 |
| Total noninterest income | $2,507,000 | 1,881 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $235,000 | 4,642 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,272,000 | 1,231 |
| Total noninterest expense | $14,065,000 | 1,272 |
| Salaries and employee benefits | $7,346,000 | 1,331 |
| Premises and equipment expense | $760,000 | 3,126 |
| Additional noninterest expense | $5,959,000 | 889 |
| Pre-tax net operating income | $7,233,000 | 1,359 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,594,000 | 1,066 |
| Income before extraordinary items | $4,639,000 | 1,562 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,639,000 | 1,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,780 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,639,000 | 1,545 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $25,702,000 | 1,157 |
| Total interest expense | $11,139,000 | 1,102 |
| Net interest income | $14,563,000 | 1,163 |
| Provision for loan and lease losses | $511,000 | 1,367 |
| Total noninterest income | $2,074,000 | 1,756 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $148,000 | 5,057 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,926,000 | 1,126 |
| Total noninterest expense | $6,739,000 | 1,959 |
| Salaries and employee benefits | $4,773,000 | 1,553 |
| Premises and equipment expense | $565,000 | 3,156 |
| Additional noninterest expense | $1,401,000 | 2,718 |
| Pre-tax net operating income | $9,387,000 | 827 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,458,000 | 704 |
| Income before extraordinary items | $5,929,000 | 971 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,929,000 | 970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,902 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,929,000 | 956 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $16,813,000 | 1,156 |
| Total interest expense | $7,141,000 | 1,085 |
| Net interest income | $9,672,000 | 1,169 |
| Provision for loan and lease losses | $481,000 | 1,012 |
| Total noninterest income | $1,194,000 | 1,957 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $100,000 | 5,022 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,094,000 | 1,277 |
| Total noninterest expense | $4,407,000 | 2,000 |
| Salaries and employee benefits | $3,112,000 | 1,595 |
| Premises and equipment expense | $364,000 | 3,218 |
| Additional noninterest expense | $931,000 | 2,736 |
| Pre-tax net operating income | $5,978,000 | 866 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,199,000 | 740 |
| Income before extraordinary items | $3,779,000 | 1,021 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,779,000 | 1,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 2,400 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,779,000 | 1,006 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,052,000 | 1,184 |
| Total interest expense | $3,365,000 | 1,083 |
| Net interest income | $4,687,000 | 1,206 |
| Provision for loan and lease losses | $451,000 | 527 |
| Total noninterest income | $444,000 | 2,372 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $58,000 | 4,612 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $386,000 | 1,612 |
| Total noninterest expense | $2,164,000 | 2,044 |
| Salaries and employee benefits | $1,526,000 | 1,624 |
| Premises and equipment expense | $180,000 | 3,270 |
| Additional noninterest expense | $458,000 | 2,763 |
| Pre-tax net operating income | $2,516,000 | 997 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $920,000 | 843 |
| Income before extraordinary items | $1,596,000 | 1,170 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,596,000 | 1,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 1,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,596,000 | 1,148 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,169,000 | 1,321 |
| Total interest expense | $9,324,000 | 1,212 |
| Net interest income | $15,845,000 | 1,378 |
| Provision for loan and lease losses | $853,000 | 1,194 |
| Total noninterest income | $2,983,000 | 1,613 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $192,000 | 5,117 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,791,000 | 1,071 |
| Total noninterest expense | $8,222,000 | 2,031 |
| Salaries and employee benefits | $5,361,000 | 1,742 |
| Premises and equipment expense | $835,000 | 2,785 |
| Additional noninterest expense | $2,026,000 | 2,458 |
| Pre-tax net operating income | $9,753,000 | 1,004 |
| Securities gains (losses) | $24,000 | 1,190 |
| Applicable income taxes | $3,492,000 | 857 |
| Income before extraordinary items | $6,285,000 | 1,157 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,285,000 | 1,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $927,000 | 719 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,269,640 | 1,133 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $17,975,000 | 1,359 |
| Total interest expense | $6,467,000 | 1,239 |
| Net interest income | $11,508,000 | 1,398 |
| Provision for loan and lease losses | $471,000 | 1,484 |
| Total noninterest income | $2,445,000 | 1,503 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $142,000 | 5,192 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,303,000 | 1,002 |
| Total noninterest expense | $6,230,000 | 1,991 |
| Salaries and employee benefits | $3,994,000 | 1,734 |
| Premises and equipment expense | $633,000 | 2,732 |
| Additional noninterest expense | $1,603,000 | 2,298 |
| Pre-tax net operating income | $7,252,000 | 1,011 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,646,000 | 855 |
| Income before extraordinary items | $4,606,000 | 1,180 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,606,000 | 1,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $927,000 | 525 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,606,000 | 1,153 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,464,000 | 1,375 |
| Total interest expense | $3,935,000 | 1,279 |
| Net interest income | $7,529,000 | 1,398 |
| Provision for loan and lease losses | $405,000 | 1,175 |
| Total noninterest income | $1,683,000 | 1,465 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $92,000 | 5,209 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,591,000 | 959 |
| Total noninterest expense | $4,279,000 | 1,939 |
| Salaries and employee benefits | $2,718,000 | 1,690 |
| Premises and equipment expense | $421,000 | 2,711 |
| Additional noninterest expense | $1,140,000 | 2,160 |
| Pre-tax net operating income | $4,528,000 | 1,044 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,647,000 | 883 |
| Income before extraordinary items | $2,881,000 | 1,225 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,881,000 | 1,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $905,000 | 391 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,881,000 | 1,200 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,348,000 | 1,441 |
| Total interest expense | $1,789,000 | 1,335 |
| Net interest income | $3,559,000 | 1,486 |
| Provision for loan and lease losses | $256,000 | 903 |
| Total noninterest income | $698,000 | 1,653 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $42,000 | 5,359 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $656,000 | 1,097 |
| Total noninterest expense | $2,017,000 | 2,051 |
| Salaries and employee benefits | $1,341,000 | 1,719 |
| Premises and equipment expense | $213,000 | 2,712 |
| Additional noninterest expense | $463,000 | 2,620 |
| Pre-tax net operating income | $1,984,000 | 1,162 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $718,000 | 986 |
| Income before extraordinary items | $1,266,000 | 1,361 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,266,000 | 1,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $906,000 | 240 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,266,000 | 1,331 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,849,000 | 1,700 |
| Total interest expense | $5,624,000 | 1,464 |
| Net interest income | $11,225,000 | 1,800 |
| Provision for loan and lease losses | $798,000 | 1,293 |
| Total noninterest income | $1,793,000 | 2,374 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $184,000 | 5,386 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,609,000 | 1,553 |
| Total noninterest expense | $7,125,000 | 2,234 |
| Salaries and employee benefits | $4,692,000 | 1,869 |
| Premises and equipment expense | $860,000 | 2,619 |
| Additional noninterest expense | $1,573,000 | 3,007 |
| Pre-tax net operating income | $5,095,000 | 1,668 |
| Securities gains (losses) | $20,000 | 2,398 |
| Applicable income taxes | $1,740,000 | 1,433 |
| Income before extraordinary items | $3,375,000 | 1,869 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,375,000 | 1,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,591 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,361,800 | 1,834 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,018,000 | 1,764 |
| Total interest expense | $3,995,000 | 1,513 |
| Net interest income | $8,023,000 | 1,877 |
| Provision for loan and lease losses | $496,000 | 1,467 |
| Total noninterest income | $1,109,000 | 2,719 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $142,000 | 5,389 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $967,000 | 1,809 |
| Total noninterest expense | $5,288,000 | 2,242 |
| Salaries and employee benefits | $3,474,000 | 1,878 |
| Premises and equipment expense | $655,000 | 2,578 |
| Additional noninterest expense | $1,159,000 | 3,034 |
| Pre-tax net operating income | $3,348,000 | 1,874 |
| Securities gains (losses) | $20,000 | 2,305 |
| Applicable income taxes | $1,165,000 | 1,575 |
| Income before extraordinary items | $2,203,000 | 2,123 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,203,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,041 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,190,000 | 2,082 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,669,000 | 1,830 |
| Total interest expense | $2,524,000 | 1,572 |
| Net interest income | $5,145,000 | 1,932 |
| Provision for loan and lease losses | $466,000 | 1,075 |
| Total noninterest income | $728,000 | 2,764 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $90,000 | 5,491 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $638,000 | 1,835 |
| Total noninterest expense | $3,470,000 | 2,285 |
| Salaries and employee benefits | $2,247,000 | 1,931 |
| Premises and equipment expense | $454,000 | 2,483 |
| Additional noninterest expense | $769,000 | 3,049 |
| Pre-tax net operating income | $1,937,000 | 2,095 |
| Securities gains (losses) | $15,000 | 2,191 |
| Applicable income taxes | $667,000 | 1,772 |
| Income before extraordinary items | $1,285,000 | 2,371 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,285,000 | 2,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,992 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,275,100 | 2,326 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,720,000 | 1,890 |
| Total interest expense | $1,249,000 | 1,615 |
| Net interest income | $2,471,000 | 2,018 |
| Provision for loan and lease losses | $171,000 | 1,308 |
| Total noninterest income | $289,000 | 3,196 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $44,000 | 5,481 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $245,000 | 2,161 |
| Total noninterest expense | $1,699,000 | 2,342 |
| Salaries and employee benefits | $1,106,000 | 1,991 |
| Premises and equipment expense | $232,000 | 2,460 |
| Additional noninterest expense | $361,000 | 3,202 |
| Pre-tax net operating income | $890,000 | 2,225 |
| Securities gains (losses) | $15,000 | 1,841 |
| Applicable income taxes | $292,000 | 1,969 |
| Income before extraordinary items | $613,000 | 2,446 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $613,000 | 2,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,144 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $602,800 | 2,407 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,041,000 | 2,185 |
| Total interest expense | $4,830,000 | 1,856 |
| Net interest income | $8,211,000 | 2,378 |
| Provision for loan and lease losses | $1,033,000 | 1,146 |
| Total noninterest income | $1,468,000 | 2,888 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $193,000 | 5,333 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,275,000 | 2,036 |
| Total noninterest expense | $5,597,000 | 2,771 |
| Salaries and employee benefits | $3,424,000 | 2,463 |
| Premises and equipment expense | $924,000 | 2,426 |
| Additional noninterest expense | $1,249,000 | 3,614 |
| Pre-tax net operating income | $3,049,000 | 2,466 |
| Securities gains (losses) | $-2,000 | 8,601 |
| Applicable income taxes | $1,024,000 | 2,143 |
| Income before extraordinary items | $2,023,000 | 2,843 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,023,000 | 2,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 3,078 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,024,320 | 2,713 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,574,000 | 2,284 |
| Total interest expense | $3,614,000 | 1,933 |
| Net interest income | $5,960,000 | 2,458 |
| Provision for loan and lease losses | $768,000 | 1,124 |
| Total noninterest income | $1,217,000 | 2,749 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $145,000 | 5,385 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,072,000 | 1,953 |
| Total noninterest expense | $4,171,000 | 2,787 |
| Salaries and employee benefits | $2,541,000 | 2,485 |
| Premises and equipment expense | $678,000 | 2,496 |
| Additional noninterest expense | $952,000 | 3,540 |
| Pre-tax net operating income | $2,238,000 | 2,612 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $731,000 | 2,331 |
| Income before extraordinary items | $1,507,000 | 2,954 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,507,000 | 2,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,351 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,507,000 | 2,809 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,310,000 | 2,324 |
| Total interest expense | $2,429,000 | 1,977 |
| Net interest income | $3,881,000 | 2,505 |
| Provision for loan and lease losses | $523,000 | 1,103 |
| Total noninterest income | $709,000 | 2,979 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $87,000 | 5,574 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $622,000 | 2,144 |
| Total noninterest expense | $2,773,000 | 2,790 |
| Salaries and employee benefits | $1,695,000 | 2,473 |
| Premises and equipment expense | $445,000 | 2,515 |
| Additional noninterest expense | $633,000 | 3,548 |
| Pre-tax net operating income | $1,294,000 | 2,917 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $422,000 | 2,592 |
| Income before extraordinary items | $872,000 | 3,288 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $872,000 | 3,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $872,000 | 3,119 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,077,000 | 2,397 |
| Total interest expense | $1,196,000 | 2,059 |
| Net interest income | $1,881,000 | 2,577 |
| Provision for loan and lease losses | $168,000 | 1,559 |
| Total noninterest income | $292,000 | 3,305 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $37,000 | 5,850 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $255,000 | 2,338 |
| Total noninterest expense | $1,378,000 | 2,790 |
| Salaries and employee benefits | $844,000 | 2,496 |
| Premises and equipment expense | $223,000 | 2,509 |
| Additional noninterest expense | $311,000 | 3,559 |
| Pre-tax net operating income | $627,000 | 2,979 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $207,000 | 2,633 |
| Income before extraordinary items | $420,000 | 3,344 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $420,000 | 3,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $420,000 | 3,173 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,430,000 | 2,673 |
| Total interest expense | $5,029,000 | 2,236 |
| Net interest income | $6,401,000 | 2,970 |
| Provision for loan and lease losses | $644,000 | 1,952 |
| Total noninterest income | $678,000 | 4,413 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $141,000 | 5,947 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $537,000 | 3,158 |
| Total noninterest expense | $4,953,000 | 2,949 |
| Salaries and employee benefits | $3,033,000 | 2,599 |
| Premises and equipment expense | $902,000 | 2,404 |
| Additional noninterest expense | $1,018,000 | 4,126 |
| Pre-tax net operating income | $1,482,000 | 4,151 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $483,000 | 3,521 |
| Income before extraordinary items | $999,000 | 4,605 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $999,000 | 4,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,420 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $2,400,000 | 263 |
| Net operating income | $999,000 | 4,483 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,215,000 | 3,246 |
| Total interest expense | $5,446,000 | 2,914 |
| Net interest income | $4,769,000 | 3,571 |
| Provision for loan and lease losses | $426,000 | 2,480 |
| Total noninterest income | $389,000 | 5,747 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $132,000 | 6,053 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $257,000 | 4,437 |
| Total noninterest expense | $4,155,000 | 3,315 |
| Salaries and employee benefits | $2,345,000 | 3,127 |
| Premises and equipment expense | $914,000 | 2,332 |
| Additional noninterest expense | $896,000 | 4,424 |
| Pre-tax net operating income | $577,000 | 6,253 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $163,000 | 5,324 |
| Income before extraordinary items | $414,000 | 6,499 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $414,000 | 6,502 |
| 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 | $7,600,000 | 105 |
| Net operating income | $414,000 | 6,373 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,161,000 | 4,062 |
| Total interest expense | $3,743,000 | 4,183 |
| Net interest income | $4,418,000 | 3,863 |
| Provision for loan and lease losses | $484,000 | 1,926 |
| Total noninterest income | $279,000 | 6,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,240 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,316 |
| Total noninterest expense | $3,172,000 | 4,044 |
| Salaries and employee benefits | $1,792,000 | 3,796 |
| Premises and equipment expense | $736,000 | 2,756 |
| Additional noninterest expense | $644,000 | 5,508 |
| Pre-tax net operating income | $1,041,000 | 5,158 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $37,000 | 7,461 |
| Income before extraordinary items | $1,004,000 | 4,382 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,004,000 | 4,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,684 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,004,000 | 4,378 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,615,000 | 5,850 |
| Total interest expense | $1,504,000 | 6,970 |
| Net interest income | $3,111,000 | 5,022 |
| Provision for loan and lease losses | $309,000 | 2,587 |
| Total noninterest income | $177,000 | 7,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 7,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,406 |
| Total noninterest expense | $2,503,000 | 4,887 |
| Salaries and employee benefits | $1,390,000 | 4,617 |
| Premises and equipment expense | $594,000 | 3,288 |
| Additional noninterest expense | $519,000 | 6,370 |
| Pre-tax net operating income | $476,000 | 7,249 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $476,000 | 6,569 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $476,000 | 6,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,980 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $476,000 | 6,543 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,480,000 | 8,115 |
| Total interest expense | $636,000 | 9,384 |
| Net interest income | $1,844,000 | 6,959 |
| Provision for loan and lease losses | $344,000 | 2,347 |
| Total noninterest income | $90,000 | 9,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $9,000 | 8,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,164 |
| Total noninterest expense | $1,989,000 | 5,620 |
| Salaries and employee benefits | $1,155,000 | 5,222 |
| Premises and equipment expense | $321,000 | 5,170 |
| Additional noninterest expense | $513,000 | 6,347 |
| Pre-tax net operating income | $-399,000 | 10,140 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-399,000 | 10,184 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-399,000 | 10,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-399,000 | 10,158 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $231,000 | 10,826 |
| Total interest expense | $61,000 | 10,816 |
| Net interest income | $170,000 | 10,805 |
| Provision for loan and lease losses | $29,000 | 7,498 |
| Total noninterest income | $1,000 | 10,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,828 |
| Total noninterest expense | $1,025,000 | 8,256 |
| Salaries and employee benefits | $758,000 | 6,981 |
| Premises and equipment expense | $129,000 | 8,265 |
| Additional noninterest expense | $138,000 | 10,142 |
| Pre-tax net operating income | $-883,000 | 10,830 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-883,000 | 10,843 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-883,000 | 10,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $9,000,000 | 101 |
| Net operating income | $-883,000 | 10,830 |
* 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.