Home > Hancock Bank of Florida > Income and Expense
Hancock Bank of Florida, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,338,000 | 2,080 |
| Total interest expense | $5,042,000 | 2,244 |
| Net interest income | $11,296,000 | 1,959 |
| Provision for loan and lease losses | $7,780,000 | 1,044 |
| Total noninterest income | $1,664,000 | 2,396 |
| Gross Fiduciary activities income | $64,000 | 925 |
| Service charges on deposit accounts | $783,000 | 2,076 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $817,000 | 2,425 |
| Total noninterest expense | $8,194,000 | 2,415 |
| Salaries and employee benefits | $3,721,000 | 2,622 |
| Premises and equipment expense | $1,255,000 | 2,127 |
| Additional noninterest expense | $3,218,000 | 2,202 |
| Pre-tax net operating income | $-3,014,000 | 6,894 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-2,281,000 | 7,549 |
| Income before extraordinary items | $-733,000 | 6,220 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-733,000 | 6,218 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-733,000 | 6,218 |
| Net charge-offs | $4,941,000 | 1,157 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-733,000 | 6,233 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,562,000 | 2,064 |
| Total interest expense | $4,153,000 | 2,141 |
| Net interest income | $8,409,000 | 1,962 |
| Provision for loan and lease losses | $5,355,000 | 994 |
| Total noninterest income | $1,164,000 | 2,560 |
| Gross Fiduciary activities income | $46,000 | 923 |
| Service charges on deposit accounts | $528,000 | 2,248 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $590,000 | 2,547 |
| Total noninterest expense | $6,263,000 | 2,357 |
| Salaries and employee benefits | $2,823,000 | 2,605 |
| Premises and equipment expense | $975,000 | 2,072 |
| Additional noninterest expense | $2,465,000 | 2,135 |
| Pre-tax net operating income | $-2,045,000 | 7,056 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,646,000 | 7,676 |
| Income before extraordinary items | $-399,000 | 6,333 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-399,000 | 6,334 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-399,000 | 6,333 |
| Net charge-offs | $2,364,000 | 1,369 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-399,000 | 6,328 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,230,000 | 2,137 |
| Total interest expense | $2,991,000 | 2,098 |
| Net interest income | $5,239,000 | 2,093 |
| Provision for loan and lease losses | $2,647,000 | 1,180 |
| Total noninterest income | $692,000 | 2,765 |
| Gross Fiduciary activities income | $32,000 | 935 |
| Service charges on deposit accounts | $324,000 | 2,382 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $336,000 | 2,807 |
| Total noninterest expense | $4,287,000 | 2,333 |
| Salaries and employee benefits | $1,900,000 | 2,620 |
| Premises and equipment expense | $674,000 | 2,032 |
| Additional noninterest expense | $1,713,000 | 2,067 |
| Pre-tax net operating income | $-1,003,000 | 7,032 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,041,000 | 7,759 |
| Income before extraordinary items | $38,000 | 5,658 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $38,000 | 5,656 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $38,000 | 5,656 |
| Net charge-offs | $1,380,000 | 1,400 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $38,000 | 5,574 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,975,000 | 2,223 |
| Total interest expense | $1,656,000 | 1,995 |
| Net interest income | $2,319,000 | 2,343 |
| Provision for loan and lease losses | $563,000 | 1,675 |
| Total noninterest income | $315,000 | 2,931 |
| Gross Fiduciary activities income | $24,000 | 883 |
| Service charges on deposit accounts | $149,000 | 2,488 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $142,000 | 3,056 |
| Total noninterest expense | $2,029,000 | 2,397 |
| Salaries and employee benefits | $955,000 | 2,652 |
| Premises and equipment expense | $359,000 | 1,958 |
| Additional noninterest expense | $715,000 | 2,186 |
| Pre-tax net operating income | $42,000 | 5,738 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-241,000 | 7,757 |
| Income before extraordinary items | $283,000 | 3,235 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $283,000 | 3,235 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $283,000 | 3,235 |
| Net charge-offs | $496,000 | 1,369 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $283,000 | 3,083 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,717,000 | 3,613 |
| Total interest expense | $5,355,000 | 2,797 |
| Net interest income | $4,362,000 | 4,308 |
| Provision for loan and lease losses | $2,419,000 | 1,593 |
| Total noninterest income | $1,347,000 | 2,829 |
| Gross Fiduciary activities income | $17,000 | 1,132 |
| Service charges on deposit accounts | $615,000 | 2,602 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $715,000 | 2,622 |
| Total noninterest expense | $7,369,000 | 2,566 |
| Salaries and employee benefits | $3,828,000 | 2,605 |
| Premises and equipment expense | $1,287,000 | 2,098 |
| Additional noninterest expense | $2,254,000 | 2,557 |
| Pre-tax net operating income | $-4,079,000 | 7,726 |
| Securities gains (losses) | $277,000 | 580 |
| Applicable income taxes | $-1,953,000 | 7,911 |
| Income before extraordinary items | $-1,849,000 | 7,332 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,849,000 | 7,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $934,000 | 2,034 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,026,280 | 7,488 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,826,000 | 3,836 |
| Total interest expense | $3,596,000 | 3,180 |
| Net interest income | $3,230,000 | 4,380 |
| Provision for loan and lease losses | $1,556,000 | 1,389 |
| Total noninterest income | $944,000 | 3,008 |
| Gross Fiduciary activities income | $7,000 | 1,205 |
| Service charges on deposit accounts | $441,000 | 2,699 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $496,000 | 2,829 |
| Total noninterest expense | $5,380,000 | 2,620 |
| Salaries and employee benefits | $2,747,000 | 2,732 |
| Premises and equipment expense | $958,000 | 2,125 |
| Additional noninterest expense | $1,675,000 | 2,521 |
| Pre-tax net operating income | $-2,762,000 | 7,984 |
| Securities gains (losses) | $-70,000 | 7,503 |
| Applicable income taxes | $-1,391,000 | 8,121 |
| Income before extraordinary items | $-1,441,000 | 7,683 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,441,000 | 7,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,665 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,396,200 | 7,768 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,442,000 | 3,948 |
| Total interest expense | $2,400,000 | 3,285 |
| Net interest income | $2,042,000 | 4,551 |
| Provision for loan and lease losses | $271,000 | 2,703 |
| Total noninterest income | $635,000 | 3,025 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $291,000 | 2,704 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $344,000 | 2,812 |
| Total noninterest expense | $3,340,000 | 2,786 |
| Salaries and employee benefits | $1,633,000 | 3,075 |
| Premises and equipment expense | $630,000 | 2,154 |
| Additional noninterest expense | $1,077,000 | 2,570 |
| Pre-tax net operating income | $-934,000 | 7,874 |
| Securities gains (losses) | $-71,000 | 8,245 |
| Applicable income taxes | $-677,000 | 8,215 |
| Income before extraordinary items | $-328,000 | 7,549 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-328,000 | 7,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 8,300 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-282,560 | 7,483 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,167,000 | 4,110 |
| Total interest expense | $1,227,000 | 3,397 |
| Net interest income | $940,000 | 4,829 |
| Provision for loan and lease losses | $76,000 | 3,113 |
| Total noninterest income | $316,000 | 3,020 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $137,000 | 2,803 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $179,000 | 2,736 |
| Total noninterest expense | $1,620,000 | 2,852 |
| Salaries and employee benefits | $829,000 | 3,067 |
| Premises and equipment expense | $302,000 | 2,255 |
| Additional noninterest expense | $489,000 | 2,779 |
| Pre-tax net operating income | $-440,000 | 8,041 |
| Securities gains (losses) | $-70,000 | 8,411 |
| Applicable income taxes | $-352,000 | 8,326 |
| Income before extraordinary items | $-158,000 | 7,768 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-158,000 | 7,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,282 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-113,200 | 7,652 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,583,000 | 3,875 |
| Total interest expense | $5,023,000 | 3,465 |
| Net interest income | $4,560,000 | 4,259 |
| Provision for loan and lease losses | $427,000 | 2,585 |
| Total noninterest income | $849,000 | 3,885 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $493,000 | 3,086 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $356,000 | 3,953 |
| Total noninterest expense | $6,028,000 | 2,956 |
| Salaries and employee benefits | $2,993,000 | 3,230 |
| Premises and equipment expense | $1,163,000 | 2,223 |
| Additional noninterest expense | $1,872,000 | 2,829 |
| Pre-tax net operating income | $-1,046,000 | 8,058 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-603,000 | 8,347 |
| Income before extraordinary items | $-443,000 | 7,852 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-443,000 | 7,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $647,000 | 1,409 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-443,000 | 7,841 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,227,000 | 3,875 |
| Total interest expense | $3,771,000 | 3,455 |
| Net interest income | $3,456,000 | 4,248 |
| Provision for loan and lease losses | $566,000 | 1,414 |
| Total noninterest income | $624,000 | 3,943 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $347,000 | 3,204 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $277,000 | 3,900 |
| Total noninterest expense | $4,487,000 | 2,953 |
| Salaries and employee benefits | $2,321,000 | 3,128 |
| Premises and equipment expense | $812,000 | 2,379 |
| Additional noninterest expense | $1,354,000 | 2,862 |
| Pre-tax net operating income | $-973,000 | 8,288 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-469,000 | 8,434 |
| Income before extraordinary items | $-504,000 | 8,139 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-504,000 | 8,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $575,000 | 974 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-504,000 | 8,125 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,848,000 | 3,872 |
| Total interest expense | $2,494,000 | 3,463 |
| Net interest income | $2,354,000 | 4,232 |
| Provision for loan and lease losses | $-322,000 | 8,550 |
| Total noninterest income | $388,000 | 4,099 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $219,000 | 3,318 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $169,000 | 4,107 |
| Total noninterest expense | $2,909,000 | 3,043 |
| Salaries and employee benefits | $1,415,000 | 3,400 |
| Premises and equipment expense | $546,000 | 2,363 |
| Additional noninterest expense | $948,000 | 2,749 |
| Pre-tax net operating income | $155,000 | 6,931 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-87,000 | 8,361 |
| Income before extraordinary items | $242,000 | 6,071 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $242,000 | 6,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 1,635 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $242,000 | 6,059 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,501,000 | 3,779 |
| Total interest expense | $1,234,000 | 3,465 |
| Net interest income | $1,267,000 | 3,989 |
| Provision for loan and lease losses | $-84,000 | 8,536 |
| Total noninterest income | $170,000 | 4,355 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $100,000 | 3,456 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $70,000 | 4,459 |
| Total noninterest expense | $1,470,000 | 3,032 |
| Salaries and employee benefits | $783,000 | 3,144 |
| Premises and equipment expense | $251,000 | 2,582 |
| Additional noninterest expense | $436,000 | 2,945 |
| Pre-tax net operating income | $51,000 | 7,262 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-75,000 | 8,477 |
| Income before extraordinary items | $126,000 | 5,995 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $126,000 | 5,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,349 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $126,000 | 5,979 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,108,000 | 4,159 |
| Total interest expense | $2,933,000 | 4,369 |
| Net interest income | $5,175,000 | 3,908 |
| Provision for loan and lease losses | $834,000 | 1,231 |
| Total noninterest income | $474,000 | 5,251 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $408,000 | 3,502 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $66,000 | 6,936 |
| Total noninterest expense | $5,486,000 | 3,091 |
| Salaries and employee benefits | $2,707,000 | 3,406 |
| Premises and equipment expense | $908,000 | 2,696 |
| Additional noninterest expense | $1,871,000 | 2,720 |
| Pre-tax net operating income | $-671,000 | 8,332 |
| Securities gains (losses) | $-134,000 | 8,286 |
| Applicable income taxes | $-603,000 | 8,595 |
| Income before extraordinary items | $-202,000 | 8,150 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-202,000 | 8,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $465,000 | 1,241 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-116,240 | 8,084 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,633,000 | 4,348 |
| Total interest expense | $1,776,000 | 4,890 |
| Net interest income | $3,857,000 | 3,950 |
| Provision for loan and lease losses | $43,000 | 5,331 |
| Total noninterest income | $330,000 | 5,441 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $304,000 | 3,538 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,656 |
| Total noninterest expense | $3,960,000 | 3,198 |
| Salaries and employee benefits | $1,976,000 | 3,479 |
| Premises and equipment expense | $643,000 | 2,839 |
| Additional noninterest expense | $1,341,000 | 2,828 |
| Pre-tax net operating income | $184,000 | 7,479 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-17,000 | 8,432 |
| Income before extraordinary items | $201,000 | 7,223 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $201,000 | 7,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $459,000 | 866 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $201,000 | 7,216 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,589,000 | 4,436 |
| Total interest expense | $1,037,000 | 5,134 |
| Net interest income | $2,552,000 | 3,989 |
| Provision for loan and lease losses | $43,000 | 4,644 |
| Total noninterest income | $213,000 | 5,497 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $203,000 | 3,505 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,000 | 8,084 |
| Total noninterest expense | $2,455,000 | 3,392 |
| Salaries and employee benefits | $1,224,000 | 3,687 |
| Premises and equipment expense | $364,000 | 3,218 |
| Additional noninterest expense | $867,000 | 2,917 |
| Pre-tax net operating income | $267,000 | 6,663 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $79,000 | 4,787 |
| Income before extraordinary items | $188,000 | 6,837 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $188,000 | 6,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $447,000 | 614 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $188,000 | 6,845 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,362,000 | 3,590 |
| Total interest expense | $501,000 | 5,114 |
| Net interest income | $1,861,000 | 2,962 |
| Provision for loan and lease losses | $43,000 | 3,470 |
| Total noninterest income | $106,000 | 5,470 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $104,000 | 3,385 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,382 |
| Total noninterest expense | $1,174,000 | 3,537 |
| Salaries and employee benefits | $634,000 | 3,613 |
| Premises and equipment expense | $175,000 | 3,341 |
| Additional noninterest expense | $365,000 | 3,356 |
| Pre-tax net operating income | $750,000 | 2,832 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $274,000 | 2,127 |
| Income before extraordinary items | $476,000 | 3,296 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $476,000 | 3,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 1,610 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $476,000 | 3,270 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,563,000 | 4,346 |
| Total interest expense | $1,794,000 | 4,752 |
| Net interest income | $4,769,000 | 4,098 |
| Provision for loan and lease losses | $493,000 | 1,926 |
| Total noninterest income | $568,000 | 4,935 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $409,000 | 3,500 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $159,000 | 5,623 |
| Total noninterest expense | $4,811,000 | 3,337 |
| Salaries and employee benefits | $2,407,000 | 3,592 |
| Premises and equipment expense | $897,000 | 2,611 |
| Additional noninterest expense | $1,507,000 | 3,220 |
| Pre-tax net operating income | $33,000 | 8,166 |
| Securities gains (losses) | $-86,000 | 8,375 |
| Applicable income taxes | $170,000 | 4,867 |
| Income before extraordinary items | $-223,000 | 8,429 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-223,000 | 8,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,338 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-137,000 | 8,361 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,830,000 | 4,362 |
| Total interest expense | $1,306,000 | 4,701 |
| Net interest income | $3,524,000 | 4,135 |
| Provision for loan and lease losses | $228,000 | 2,692 |
| Total noninterest income | $362,000 | 5,350 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $309,000 | 3,492 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $53,000 | 6,977 |
| Total noninterest expense | $3,711,000 | 3,236 |
| Salaries and employee benefits | $1,862,000 | 3,471 |
| Premises and equipment expense | $679,000 | 2,567 |
| Additional noninterest expense | $1,170,000 | 3,103 |
| Pre-tax net operating income | $-53,000 | 8,386 |
| Securities gains (losses) | $-86,000 | 8,601 |
| Applicable income taxes | $-53,000 | 8,687 |
| Income before extraordinary items | $-86,000 | 8,440 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-86,000 | 8,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,195 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-30,960 | 8,361 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,842,000 | 4,672 |
| Total interest expense | $748,000 | 4,964 |
| Net interest income | $2,094,000 | 4,476 |
| Provision for loan and lease losses | $217,000 | 2,018 |
| Total noninterest income | $228,000 | 5,451 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $206,000 | 3,447 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $22,000 | 7,544 |
| Total noninterest expense | $2,485,000 | 3,211 |
| Salaries and employee benefits | $1,177,000 | 3,619 |
| Premises and equipment expense | $465,000 | 2,491 |
| Additional noninterest expense | $843,000 | 2,877 |
| Pre-tax net operating income | $-380,000 | 8,634 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-145,000 | 8,772 |
| Income before extraordinary items | $-235,000 | 8,606 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-235,000 | 8,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,953 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-235,000 | 8,579 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,191,000 | 5,195 |
| Total interest expense | $326,000 | 5,259 |
| Net interest income | $865,000 | 5,085 |
| Provision for loan and lease losses | $99,000 | 2,094 |
| Total noninterest income | $98,000 | 5,732 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $94,000 | 3,574 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $1,333,000 | 3,031 |
| Salaries and employee benefits | $646,000 | 3,339 |
| Premises and equipment expense | $275,000 | 2,169 |
| Additional noninterest expense | $412,000 | 2,944 |
| Pre-tax net operating income | $-469,000 | 8,844 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-180,000 | 8,875 |
| Income before extraordinary items | $-289,000 | 8,803 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-289,000 | 8,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-289,000 | 8,785 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,089,000 | 6,339 |
| Total interest expense | $922,000 | 5,885 |
| Net interest income | $2,167,000 | 6,411 |
| Provision for loan and lease losses | $928,000 | 1,119 |
| Total noninterest income | $445,000 | 5,554 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $404,000 | 3,624 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,000 | 7,647 |
| Total noninterest expense | $3,114,000 | 4,543 |
| Salaries and employee benefits | $1,387,000 | 5,209 |
| Premises and equipment expense | $282,000 | 5,856 |
| Additional noninterest expense | $1,445,000 | 3,216 |
| Pre-tax net operating income | $-1,430,000 | 8,862 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-547,000 | 8,906 |
| Income before extraordinary items | $-883,000 | 8,811 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-883,000 | 8,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,480 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 315 |
| Net operating income | $-883,000 | 8,789 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,962,000 | 6,806 |
| Total interest expense | $627,000 | 6,144 |
| Net interest income | $1,335,000 | 6,932 |
| Provision for loan and lease losses | $387,000 | 1,832 |
| Total noninterest income | $306,000 | 5,766 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $285,000 | 3,784 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 8,029 |
| Total noninterest expense | $2,110,000 | 4,826 |
| Salaries and employee benefits | $957,000 | 5,464 |
| Premises and equipment expense | $83,000 | 7,829 |
| Additional noninterest expense | $1,070,000 | 3,228 |
| Pre-tax net operating income | $-856,000 | 8,874 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-330,000 | 8,955 |
| Income before extraordinary items | $-526,000 | 8,824 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-526,000 | 8,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,247 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 229 |
| Net operating income | $-526,000 | 8,799 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,037,000 | 7,360 |
| Total interest expense | $356,000 | 6,570 |
| Net interest income | $681,000 | 7,558 |
| Provision for loan and lease losses | $364,000 | 1,327 |
| Total noninterest income | $150,000 | 6,460 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $131,000 | 4,670 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $19,000 | 7,792 |
| Total noninterest expense | $1,101,000 | 5,711 |
| Salaries and employee benefits | $462,000 | 6,548 |
| Premises and equipment expense | $27,000 | 8,608 |
| Additional noninterest expense | $612,000 | 3,690 |
| Pre-tax net operating income | $-634,000 | 8,942 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-245,000 | 9,008 |
| Income before extraordinary items | $-389,000 | 8,889 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-389,000 | 8,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,637 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 258 |
| Net operating income | $-389,000 | 8,864 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $177,000 | 8,781 |
| Total interest expense | $75,000 | 8,277 |
| Net interest income | $102,000 | 8,888 |
| Provision for loan and lease losses | $400,000 | 623 |
| Total noninterest income | $31,000 | 7,933 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $21,000 | 6,734 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $10,000 | 7,740 |
| Total noninterest expense | $268,000 | 7,734 |
| Salaries and employee benefits | $175,000 | 7,332 |
| Premises and equipment expense | $5,000 | 8,973 |
| Additional noninterest expense | $88,000 | 7,433 |
| Pre-tax net operating income | $-535,000 | 9,044 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-140,000 | 9,052 |
| Income before extraordinary items | $-395,000 | 9,028 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-395,000 | 9,027 |
| 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 | $500,000 | 149 |
| Net operating income | $-395,000 | 9,006 |
* 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.