Home > Landmark National Bank > Income and Expense
Landmark National Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,051,000 | 4,356 |
| Total interest expense | $1,198,000 | 5,385 |
| Net interest income | $2,853,000 | 3,672 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $143,000 | 6,212 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $57,000 | 5,893 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $86,000 | 5,378 |
| Total noninterest expense | $3,778,000 | 2,418 |
| Salaries and employee benefits | $1,959,000 | 2,567 |
| Premises and equipment expense | $385,000 | 3,177 |
| Additional noninterest expense | $1,434,000 | 1,894 |
| Pre-tax net operating income | $-782,000 | 8,402 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-782,000 | 8,434 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-782,000 | 8,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,673 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $638,000 | 276 |
| Net operating income | $-782,000 | 8,423 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,083,000 | 4,280 |
| Total interest expense | $630,000 | 5,247 |
| Net interest income | $1,453,000 | 3,630 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $56,000 | 6,648 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $29,000 | 5,849 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $27,000 | 6,153 |
| Total noninterest expense | $1,483,000 | 3,014 |
| Salaries and employee benefits | $626,000 | 3,769 |
| Premises and equipment expense | $279,000 | 2,344 |
| Additional noninterest expense | $578,000 | 2,262 |
| Pre-tax net operating income | $26,000 | 7,580 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $26,000 | 7,528 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $26,000 | 7,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 868 |
| Net operating income | $26,000 | 7,510 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,738,000 | 3,961 |
| Total interest expense | $2,541,000 | 4,778 |
| Net interest income | $6,197,000 | 3,439 |
| Provision for loan and lease losses | $46,000 | 5,701 |
| Total noninterest income | $225,000 | 6,718 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $122,000 | 5,866 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $103,000 | 6,283 |
| Total noninterest expense | $5,433,000 | 3,121 |
| Salaries and employee benefits | $2,797,000 | 3,326 |
| Premises and equipment expense | $1,104,000 | 2,252 |
| Additional noninterest expense | $1,532,000 | 3,243 |
| Pre-tax net operating income | $943,000 | 5,321 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,000 | 6,499 |
| Income before extraordinary items | $942,000 | 4,840 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $942,000 | 4,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,661 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 866 |
| Net operating income | $942,000 | 4,831 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,604,000 | 3,896 |
| Total interest expense | $1,884,000 | 4,721 |
| Net interest income | $4,720,000 | 3,423 |
| Provision for loan and lease losses | $46,000 | 5,138 |
| Total noninterest income | $177,000 | 6,682 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $92,000 | 5,921 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $85,000 | 6,123 |
| Total noninterest expense | $4,139,000 | 3,088 |
| Salaries and employee benefits | $2,098,000 | 3,317 |
| Premises and equipment expense | $820,000 | 2,266 |
| Additional noninterest expense | $1,221,000 | 3,080 |
| Pre-tax net operating income | $712,000 | 5,481 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,000 | 6,574 |
| Income before extraordinary items | $711,000 | 4,970 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $711,000 | 4,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,946 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $107,000 | 693 |
| Net operating income | $711,000 | 4,963 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,302,000 | 3,914 |
| Total interest expense | $1,149,000 | 4,854 |
| Net interest income | $3,153,000 | 3,425 |
| Provision for loan and lease losses | $41,000 | 4,698 |
| Total noninterest income | $122,000 | 6,642 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $60,000 | 5,971 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $62,000 | 6,020 |
| Total noninterest expense | $2,747,000 | 3,092 |
| Salaries and employee benefits | $1,365,000 | 3,392 |
| Premises and equipment expense | $532,000 | 2,332 |
| Additional noninterest expense | $850,000 | 2,966 |
| Pre-tax net operating income | $487,000 | 5,470 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $486,000 | 4,951 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $486,000 | 4,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,252 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 869 |
| Net operating income | $486,000 | 4,943 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,075,000 | 3,966 |
| Total interest expense | $569,000 | 4,737 |
| Net interest income | $1,506,000 | 3,527 |
| Provision for loan and lease losses | $35,000 | 3,693 |
| Total noninterest income | $62,000 | 6,574 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,852 |
| Total noninterest expense | $1,274,000 | 3,315 |
| Salaries and employee benefits | $663,000 | 3,490 |
| Premises and equipment expense | $251,000 | 2,459 |
| Additional noninterest expense | $360,000 | 3,389 |
| Pre-tax net operating income | $259,000 | 5,297 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $259,000 | 4,781 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $259,000 | 4,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,205 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $259,000 | 4,758 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,205,000 | 4,524 |
| Total interest expense | $1,416,000 | 5,381 |
| Net interest income | $4,789,000 | 4,082 |
| Provision for loan and lease losses | $231,000 | 3,339 |
| Total noninterest income | $361,000 | 5,943 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $98,000 | 6,322 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $263,000 | 4,618 |
| Total noninterest expense | $4,468,000 | 3,558 |
| Salaries and employee benefits | $2,160,000 | 3,900 |
| Premises and equipment expense | $1,007,000 | 2,348 |
| Additional noninterest expense | $1,301,000 | 3,616 |
| Pre-tax net operating income | $451,000 | 6,888 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $450,000 | 6,577 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $450,000 | 6,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $450,000 | 6,557 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,128,000 | 4,817 |
| Total interest expense | $900,000 | 5,720 |
| Net interest income | $3,228,000 | 4,416 |
| Provision for loan and lease losses | $249,000 | 2,565 |
| Total noninterest income | $279,000 | 5,923 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $72,000 | 6,383 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $207,000 | 4,538 |
| Total noninterest expense | $3,176,000 | 3,671 |
| Salaries and employee benefits | $1,493,000 | 4,115 |
| Premises and equipment expense | $810,000 | 2,207 |
| Additional noninterest expense | $873,000 | 3,914 |
| Pre-tax net operating income | $82,000 | 8,086 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $82,000 | 8,050 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $82,000 | 8,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,271 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $82,000 | 8,020 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,209,000 | 5,440 |
| Total interest expense | $460,000 | 6,259 |
| Net interest income | $1,749,000 | 5,034 |
| Provision for loan and lease losses | $89,000 | 3,629 |
| Total noninterest income | $141,000 | 6,455 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $45,000 | 6,448 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $96,000 | 5,271 |
| Total noninterest expense | $1,725,000 | 4,292 |
| Salaries and employee benefits | $890,000 | 4,469 |
| Premises and equipment expense | $464,000 | 2,503 |
| Additional noninterest expense | $371,000 | 5,342 |
| Pre-tax net operating income | $76,000 | 7,990 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $76,000 | 7,909 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $76,000 | 7,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $76,000 | 7,873 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,033,000 | 5,632 |
| Total interest expense | $209,000 | 6,428 |
| Net interest income | $824,000 | 5,247 |
| Provision for loan and lease losses | $4,000 | 5,908 |
| Total noninterest income | $52,000 | 7,007 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $22,000 | 6,479 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,174 |
| Total noninterest expense | $868,000 | 4,277 |
| Salaries and employee benefits | $469,000 | 4,293 |
| Premises and equipment expense | $226,000 | 2,578 |
| Additional noninterest expense | $173,000 | 5,535 |
| Pre-tax net operating income | $4,000 | 8,394 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $4,000 | 8,418 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $4,000 | 8,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $4,000 | 8,391 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,611,000 | 6,796 |
| Total interest expense | $451,000 | 7,491 |
| Net interest income | $2,160,000 | 6,416 |
| Provision for loan and lease losses | $388,000 | 2,430 |
| Total noninterest income | $171,000 | 7,421 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $61,000 | 7,102 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $110,000 | 6,256 |
| Total noninterest expense | $3,467,000 | 4,209 |
| Salaries and employee benefits | $1,658,000 | 4,612 |
| Premises and equipment expense | $939,000 | 2,427 |
| Additional noninterest expense | $880,000 | 4,770 |
| Pre-tax net operating income | $-1,534,000 | 8,868 |
| Securities gains (losses) | $-2,000 | 7,892 |
| Applicable income taxes | $1,000 | 7,085 |
| Income before extraordinary items | $-1,537,000 | 8,891 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,537,000 | 8,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,535,000 | 8,874 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,667,000 | 7,177 |
| Total interest expense | $300,000 | 7,703 |
| Net interest income | $1,367,000 | 6,886 |
| Provision for loan and lease losses | $308,000 | 2,228 |
| Total noninterest income | $106,000 | 7,719 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $41,000 | 7,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $65,000 | 6,663 |
| Total noninterest expense | $2,582,000 | 4,209 |
| Salaries and employee benefits | $1,214,000 | 4,638 |
| Premises and equipment expense | $709,000 | 2,396 |
| Additional noninterest expense | $659,000 | 4,736 |
| Pre-tax net operating income | $-1,417,000 | 8,944 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-1,417,000 | 8,959 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-1,417,000 | 8,960 |
| 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 | $-1,417,000 | 8,945 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $923,000 | 7,608 |
| Total interest expense | $188,000 | 7,865 |
| Net interest income | $735,000 | 7,418 |
| Provision for loan and lease losses | $175,000 | 2,464 |
| Total noninterest income | $63,000 | 7,907 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $25,000 | 7,362 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $38,000 | 6,883 |
| Total noninterest expense | $1,677,000 | 4,310 |
| Salaries and employee benefits | $788,000 | 4,772 |
| Premises and equipment expense | $474,000 | 2,391 |
| Additional noninterest expense | $415,000 | 4,941 |
| Pre-tax net operating income | $-1,054,000 | 8,998 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-1,054,000 | 9,016 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,054,000 | 9,016 |
| 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 | $-1,054,000 | 9,001 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $400,000 | 7,903 |
| Total interest expense | $88,000 | 8,036 |
| Net interest income | $312,000 | 7,767 |
| Provision for loan and lease losses | $46,000 | 3,418 |
| Total noninterest income | $25,000 | 8,175 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $12,000 | 7,382 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $13,000 | 7,451 |
| Total noninterest expense | $826,000 | 4,383 |
| Salaries and employee benefits | $391,000 | 4,820 |
| Premises and equipment expense | $233,000 | 2,452 |
| Additional noninterest expense | $202,000 | 5,044 |
| Pre-tax net operating income | $-535,000 | 9,044 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-535,000 | 9,060 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-535,000 | 9,060 |
| 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 | $-535,000 | 9,041 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $878,000 | 8,689 |
| Total interest expense | $160,000 | 8,841 |
| Net interest income | $718,000 | 8,531 |
| Provision for loan and lease losses | $169,000 | 4,376 |
| Total noninterest income | $154,000 | 7,765 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $31,000 | 7,707 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $123,000 | 6,176 |
| Total noninterest expense | $2,759,000 | 4,877 |
| Salaries and employee benefits | $1,138,000 | 5,815 |
| Premises and equipment expense | $839,000 | 2,641 |
| Additional noninterest expense | $782,000 | 5,131 |
| Pre-tax net operating income | $-2,056,000 | 9,080 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,000 | 7,318 |
| Income before extraordinary items | $-2,058,000 | 9,118 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-2,058,000 | 9,119 |
| 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 | $0 | 868 |
| Net operating income | $-2,058,000 | 9,081 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $572,000 | 8,862 |
| Total interest expense | $95,000 | 8,996 |
| Net interest income | $477,000 | 8,722 |
| Provision for loan and lease losses | $106,000 | 4,572 |
| Total noninterest income | $121,000 | 7,764 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $20,000 | 7,825 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $101,000 | 6,060 |
| Total noninterest expense | $1,942,000 | 5,084 |
| Salaries and employee benefits | $843,000 | 5,833 |
| Premises and equipment expense | $539,000 | 3,024 |
| Additional noninterest expense | $560,000 | 5,256 |
| Pre-tax net operating income | $-1,450,000 | 9,126 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $-1,451,000 | 9,166 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,451,000 | 9,166 |
| 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 | $0 | 722 |
| Net operating income | $-1,451,000 | 9,130 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $319,000 | 8,998 |
| Total interest expense | $54,000 | 9,082 |
| Net interest income | $265,000 | 8,899 |
| Provision for loan and lease losses | $82,000 | 4,272 |
| Total noninterest income | $65,000 | 8,044 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $10,000 | 7,926 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $55,000 | 6,401 |
| Total noninterest expense | $1,220,000 | 5,273 |
| Salaries and employee benefits | $526,000 | 6,072 |
| Premises and equipment expense | $339,000 | 3,164 |
| Additional noninterest expense | $355,000 | 5,427 |
| Pre-tax net operating income | $-972,000 | 9,154 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $-973,000 | 9,205 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-973,000 | 9,205 |
| 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 | $-973,000 | 9,161 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $127,000 | 9,131 |
| Total interest expense | $22,000 | 9,162 |
| Net interest income | $105,000 | 9,047 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $23,000 | 8,464 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 8,021 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $509,000 | 5,944 |
| Salaries and employee benefits | $232,000 | 6,518 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $141,000 | 6,147 |
| Pre-tax net operating income | $-426,000 | 9,183 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $-427,000 | 9,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-427,000 | 9,224 |
| 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 | $-427,000 | 9,181 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $120,000 | 9,299 |
| Total interest expense | $13,000 | 9,295 |
| Net interest income | $107,000 | 9,289 |
| Provision for loan and lease losses | $15,000 | 7,642 |
| Total noninterest income | $27,000 | 9,126 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,000 | 8,184 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $26,000 | 8,334 |
| Total noninterest expense | $1,783,000 | 6,293 |
| Salaries and employee benefits | $796,000 | 6,897 |
| Premises and equipment expense | $404,000 | 4,621 |
| Additional noninterest expense | $583,000 | 6,038 |
| Pre-tax net operating income | $-1,664,000 | 9,226 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,000 | 7,615 |
| Income before extraordinary items | $-1,665,000 | 9,258 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,665,000 | 9,256 |
| 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 | $11,725,000 | 44 |
| Net operating income | $-1,665,000 | 9,229 |
* 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.