Home > North Atlanta National Bank > Income and Expense
North Atlanta National Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,786,000 | 3,683 |
| Total interest expense | $4,259,000 | 3,144 |
| Net interest income | $3,527,000 | 4,197 |
| Provision for loan and lease losses | $154,000 | 3,440 |
| Total noninterest income | $180,000 | 6,508 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $68,000 | 6,177 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $112,000 | 5,610 |
| Total noninterest expense | $2,499,000 | 4,663 |
| Salaries and employee benefits | $1,202,000 | 5,088 |
| Premises and equipment expense | $209,000 | 5,970 |
| Additional noninterest expense | $1,088,000 | 3,461 |
| Pre-tax net operating income | $1,054,000 | 4,237 |
| Securities gains (losses) | $100,000 | 494 |
| Applicable income taxes | $407,000 | 2,789 |
| Income before extraordinary items | $747,000 | 4,489 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $747,000 | 4,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 2,657 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 944 |
| Net operating income | $682,000 | 4,716 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,143,000 | 3,716 |
| Total interest expense | $2,808,000 | 3,166 |
| Net interest income | $2,335,000 | 4,247 |
| Provision for loan and lease losses | $132,000 | 2,837 |
| Total noninterest income | $128,000 | 6,426 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $45,000 | 6,229 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $83,000 | 5,442 |
| Total noninterest expense | $1,452,000 | 5,115 |
| Salaries and employee benefits | $810,000 | 5,100 |
| Premises and equipment expense | $136,000 | 6,064 |
| Additional noninterest expense | $506,000 | 4,541 |
| Pre-tax net operating income | $879,000 | 3,816 |
| Securities gains (losses) | $61,000 | 505 |
| Applicable income taxes | $337,000 | 2,597 |
| Income before extraordinary items | $603,000 | 4,157 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $603,000 | 4,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,043 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 863 |
| Net operating income | $563,960 | 4,290 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,478,000 | 3,799 |
| Total interest expense | $1,366,000 | 3,212 |
| Net interest income | $1,112,000 | 4,383 |
| Provision for loan and lease losses | $66,000 | 2,646 |
| Total noninterest income | $24,000 | 7,693 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $21,000 | 6,298 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,000 | 8,103 |
| Total noninterest expense | $748,000 | 5,029 |
| Salaries and employee benefits | $418,000 | 5,017 |
| Premises and equipment expense | $67,000 | 6,138 |
| Additional noninterest expense | $263,000 | 4,369 |
| Pre-tax net operating income | $322,000 | 4,493 |
| Securities gains (losses) | $23,000 | 536 |
| Applicable income taxes | $121,000 | 3,019 |
| Income before extraordinary items | $224,000 | 4,804 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $224,000 | 4,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,538 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 731 |
| Net operating income | $209,050 | 4,935 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,360,000 | 3,755 |
| Total interest expense | $4,762,000 | 3,152 |
| Net interest income | $4,598,000 | 4,285 |
| Provision for loan and lease losses | $143,000 | 4,139 |
| Total noninterest income | $188,000 | 7,018 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $86,000 | 6,341 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $102,000 | 6,296 |
| Total noninterest expense | $2,711,000 | 5,222 |
| Salaries and employee benefits | $1,425,000 | 5,366 |
| Premises and equipment expense | $261,000 | 6,097 |
| Additional noninterest expense | $1,025,000 | 4,436 |
| Pre-tax net operating income | $1,932,000 | 3,724 |
| Securities gains (losses) | $107,000 | 523 |
| Applicable income taxes | $750,000 | 2,569 |
| Income before extraordinary items | $1,289,000 | 4,125 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,289,000 | 4,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,438 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 992 |
| Net operating income | $1,220,520 | 4,229 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,904,000 | 3,775 |
| Total interest expense | $3,455,000 | 3,142 |
| Net interest income | $3,449,000 | 4,292 |
| Provision for loan and lease losses | $143,000 | 3,490 |
| Total noninterest income | $151,000 | 6,947 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $66,000 | 6,390 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $85,000 | 6,123 |
| Total noninterest expense | $1,996,000 | 5,273 |
| Salaries and employee benefits | $1,069,000 | 5,344 |
| Premises and equipment expense | $194,000 | 6,154 |
| Additional noninterest expense | $733,000 | 4,558 |
| Pre-tax net operating income | $1,461,000 | 3,844 |
| Securities gains (losses) | $45,000 | 583 |
| Applicable income taxes | $561,000 | 2,695 |
| Income before extraordinary items | $945,000 | 4,305 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $945,000 | 4,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,511 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 847 |
| Net operating income | $916,200 | 4,361 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,434,000 | 3,831 |
| Total interest expense | $2,166,000 | 3,185 |
| Net interest income | $2,268,000 | 4,346 |
| Provision for loan and lease losses | $113,000 | 3,163 |
| Total noninterest income | $110,000 | 6,811 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $45,000 | 6,387 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $65,000 | 5,924 |
| Total noninterest expense | $1,317,000 | 5,314 |
| Salaries and employee benefits | $705,000 | 5,401 |
| Premises and equipment expense | $127,000 | 6,211 |
| Additional noninterest expense | $485,000 | 4,584 |
| Pre-tax net operating income | $948,000 | 3,923 |
| Securities gains (losses) | $28,000 | 539 |
| Applicable income taxes | $365,000 | 2,759 |
| Income before extraordinary items | $611,000 | 4,393 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $611,000 | 4,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 737 |
| Net operating income | $593,080 | 4,462 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,105,000 | 3,916 |
| Total interest expense | $1,015,000 | 3,218 |
| Net interest income | $1,090,000 | 4,455 |
| Provision for loan and lease losses | $53,000 | 3,054 |
| Total noninterest income | $44,000 | 7,159 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $24,000 | 6,271 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $651,000 | 5,353 |
| Salaries and employee benefits | $354,000 | 5,407 |
| Premises and equipment expense | $64,000 | 6,199 |
| Additional noninterest expense | $233,000 | 4,678 |
| Pre-tax net operating income | $430,000 | 4,113 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $161,000 | 2,934 |
| Income before extraordinary items | $269,000 | 4,684 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $269,000 | 4,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $269,000 | 4,667 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,973,000 | 4,160 |
| Total interest expense | $2,927,000 | 3,401 |
| Net interest income | $4,046,000 | 4,590 |
| Provision for loan and lease losses | $335,000 | 2,604 |
| Total noninterest income | $291,000 | 6,380 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $92,000 | 6,405 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $199,000 | 5,178 |
| Total noninterest expense | $2,670,000 | 5,157 |
| Salaries and employee benefits | $1,502,000 | 5,044 |
| Premises and equipment expense | $264,000 | 6,065 |
| Additional noninterest expense | $904,000 | 4,749 |
| Pre-tax net operating income | $1,332,000 | 4,665 |
| Securities gains (losses) | $-12,000 | 7,607 |
| Applicable income taxes | $314,000 | 4,071 |
| Income before extraordinary items | $1,006,000 | 4,822 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,006,000 | 4,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,766 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,015,120 | 4,776 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,983,000 | 4,249 |
| Total interest expense | $2,056,000 | 3,442 |
| Net interest income | $2,927,000 | 4,722 |
| Provision for loan and lease losses | $252,000 | 2,533 |
| Total noninterest income | $230,000 | 6,314 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $68,000 | 6,457 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $162,000 | 5,051 |
| Total noninterest expense | $2,037,000 | 5,075 |
| Salaries and employee benefits | $1,247,000 | 4,702 |
| Premises and equipment expense | $199,000 | 6,045 |
| Additional noninterest expense | $591,000 | 5,176 |
| Pre-tax net operating income | $868,000 | 5,116 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $252,000 | 4,078 |
| Income before extraordinary items | $616,000 | 5,383 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $616,000 | 5,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,163 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $616,000 | 5,354 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,164,000 | 4,340 |
| Total interest expense | $1,292,000 | 3,442 |
| Net interest income | $1,872,000 | 4,813 |
| Provision for loan and lease losses | $170,000 | 2,439 |
| Total noninterest income | $199,000 | 5,743 |
| 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 | $154,000 | 4,261 |
| Total noninterest expense | $1,413,000 | 4,942 |
| Salaries and employee benefits | $853,000 | 4,601 |
| Premises and equipment expense | $128,000 | 6,137 |
| Additional noninterest expense | $432,000 | 4,851 |
| Pre-tax net operating income | $488,000 | 5,531 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $107,000 | 4,727 |
| Income before extraordinary items | $381,000 | 5,560 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $381,000 | 5,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,653 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $381,000 | 5,513 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,455,000 | 4,578 |
| Total interest expense | $590,000 | 3,549 |
| Net interest income | $865,000 | 5,085 |
| Provision for loan and lease losses | $83,000 | 2,367 |
| Total noninterest income | $159,000 | 4,560 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $21,000 | 6,536 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $138,000 | 3,128 |
| Total noninterest expense | $662,000 | 5,194 |
| Salaries and employee benefits | $470,000 | 4,286 |
| Premises and equipment expense | $58,000 | 6,415 |
| Additional noninterest expense | $134,000 | 6,370 |
| Pre-tax net operating income | $279,000 | 5,180 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $28,000 | 5,369 |
| Income before extraordinary items | $251,000 | 4,859 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $251,000 | 4,860 |
| 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 | $251,000 | 4,818 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,513,000 | 5,165 |
| Total interest expense | $1,584,000 | 4,368 |
| Net interest income | $2,929,000 | 5,487 |
| Provision for loan and lease losses | $400,000 | 2,359 |
| Total noninterest income | $145,000 | 7,658 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $93,000 | 6,583 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $52,000 | 7,358 |
| Total noninterest expense | $2,745,000 | 4,969 |
| Salaries and employee benefits | $1,729,000 | 4,464 |
| Premises and equipment expense | $245,000 | 6,243 |
| Additional noninterest expense | $771,000 | 5,216 |
| Pre-tax net operating income | $-71,000 | 8,471 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $-334,000 | 8,873 |
| Income before extraordinary items | $264,000 | 7,371 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $264,000 | 7,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,046 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $3,094,000 | 280 |
| Net operating income | $263,360 | 7,325 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,124,000 | 5,408 |
| Total interest expense | $1,082,000 | 4,585 |
| Net interest income | $2,042,000 | 5,729 |
| Provision for loan and lease losses | $310,000 | 2,218 |
| Total noninterest income | $107,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $73,000 | 6,569 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 7,563 |
| Total noninterest expense | $2,035,000 | 4,963 |
| Salaries and employee benefits | $1,284,000 | 4,454 |
| Premises and equipment expense | $186,000 | 6,200 |
| Additional noninterest expense | $565,000 | 5,246 |
| Pre-tax net operating income | $-196,000 | 8,645 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $-154,000 | 8,892 |
| Income before extraordinary items | $-41,000 | 8,571 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-41,000 | 8,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,559 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $2,413,000 | 233 |
| Net operating income | $-41,640 | 8,541 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,927,000 | 5,671 |
| Total interest expense | $654,000 | 4,855 |
| Net interest income | $1,273,000 | 5,960 |
| Provision for loan and lease losses | $220,000 | 2,035 |
| Total noninterest income | $74,000 | 7,708 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $50,000 | 6,543 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $24,000 | 7,531 |
| Total noninterest expense | $1,325,000 | 5,066 |
| Salaries and employee benefits | $844,000 | 4,533 |
| Premises and equipment expense | $123,000 | 6,248 |
| Additional noninterest expense | $358,000 | 5,438 |
| Pre-tax net operating income | $-198,000 | 8,768 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $-154,000 | 8,971 |
| Income before extraordinary items | $-43,000 | 8,657 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-43,000 | 8,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,843 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-43,640 | 8,623 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $877,000 | 5,999 |
| Total interest expense | $301,000 | 5,153 |
| Net interest income | $576,000 | 6,275 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $40,000 | 7,603 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $28,000 | 6,308 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $633,000 | 5,267 |
| Salaries and employee benefits | $411,000 | 4,642 |
| Premises and equipment expense | $58,000 | 6,408 |
| Additional noninterest expense | $164,000 | 5,716 |
| Pre-tax net operating income | $-107,000 | 8,805 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-106,000 | 8,848 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-106,000 | 8,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-107,000 | 8,814 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,146,000 | 6,374 |
| Total interest expense | $1,127,000 | 5,777 |
| Net interest income | $2,019,000 | 6,566 |
| Provision for loan and lease losses | $103,000 | 5,271 |
| Total noninterest income | $172,000 | 7,592 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $128,000 | 6,168 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $44,000 | 7,707 |
| Total noninterest expense | $1,832,000 | 6,298 |
| Salaries and employee benefits | $1,007,000 | 6,240 |
| Premises and equipment expense | $238,000 | 6,324 |
| Additional noninterest expense | $587,000 | 6,055 |
| Pre-tax net operating income | $256,000 | 7,612 |
| Securities gains (losses) | $8,000 | 3,717 |
| Applicable income taxes | $-107,000 | 8,956 |
| Income before extraordinary items | $371,000 | 6,937 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $371,000 | 6,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,558 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $363,000 | 6,826 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,319,000 | 6,496 |
| Total interest expense | $866,000 | 5,843 |
| Net interest income | $1,453,000 | 6,728 |
| Provision for loan and lease losses | $60,000 | 5,499 |
| Total noninterest income | $154,000 | 7,351 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $93,000 | 6,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $61,000 | 6,919 |
| Total noninterest expense | $1,338,000 | 6,348 |
| Salaries and employee benefits | $743,000 | 6,266 |
| Premises and equipment expense | $182,000 | 6,259 |
| Additional noninterest expense | $413,000 | 6,246 |
| Pre-tax net operating income | $209,000 | 7,675 |
| Securities gains (losses) | $8,000 | 3,425 |
| Applicable income taxes | $-107,000 | 9,073 |
| Income before extraordinary items | $324,000 | 6,811 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $324,000 | 6,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,784 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $316,000 | 6,684 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,556,000 | 6,530 |
| Total interest expense | $601,000 | 5,836 |
| Net interest income | $955,000 | 6,780 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $101,000 | 7,387 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $66,000 | 6,137 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $35,000 | 7,146 |
| Total noninterest expense | $895,000 | 6,348 |
| Salaries and employee benefits | $501,000 | 6,256 |
| Premises and equipment expense | $120,000 | 6,262 |
| Additional noninterest expense | $274,000 | 6,252 |
| Pre-tax net operating income | $111,000 | 7,916 |
| Securities gains (losses) | $8,000 | 3,037 |
| Applicable income taxes | $-45,000 | 9,076 |
| Income before extraordinary items | $164,000 | 7,310 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $164,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,131 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $156,000 | 7,202 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $774,000 | 6,580 |
| Total interest expense | $301,000 | 5,928 |
| Net interest income | $473,000 | 6,803 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $48,000 | 7,431 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $31,000 | 6,193 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $439,000 | 6,434 |
| Salaries and employee benefits | $251,000 | 6,237 |
| Premises and equipment expense | $58,000 | 6,382 |
| Additional noninterest expense | $130,000 | 6,413 |
| Pre-tax net operating income | $52,000 | 7,969 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $52,000 | 7,848 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $52,000 | 7,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,455 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $52,000 | 7,696 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,147,000 | 6,706 |
| Total interest expense | $1,253,000 | 6,303 |
| Net interest income | $1,894,000 | 6,799 |
| Provision for loan and lease losses | $90,000 | 5,880 |
| Total noninterest income | $185,000 | 7,468 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $92,000 | 6,721 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $93,000 | 6,581 |
| Total noninterest expense | $1,659,000 | 6,545 |
| Salaries and employee benefits | $859,000 | 6,664 |
| Premises and equipment expense | $227,000 | 6,428 |
| Additional noninterest expense | $573,000 | 6,092 |
| Pre-tax net operating income | $330,000 | 7,444 |
| Securities gains (losses) | $48,000 | 2,442 |
| Applicable income taxes | $-157,000 | 9,116 |
| Income before extraordinary items | $535,000 | 6,237 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $535,000 | 6,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,965 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $487,000 | 6,309 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,902,000 | 7,359 |
| Total interest expense | $1,567,000 | 6,848 |
| Net interest income | $1,335,000 | 7,628 |
| Provision for loan and lease losses | $207,000 | 4,058 |
| Total noninterest income | $102,000 | 8,486 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $55,000 | 7,493 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $47,000 | 7,763 |
| Total noninterest expense | $1,620,000 | 6,540 |
| Salaries and employee benefits | $900,000 | 6,372 |
| Premises and equipment expense | $240,000 | 6,209 |
| Additional noninterest expense | $480,000 | 6,576 |
| Pre-tax net operating income | $-390,000 | 9,104 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-390,000 | 9,177 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-390,000 | 9,178 |
| 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 | $0 | 922 |
| Net operating income | $-390,000 | 9,135 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,032,000 | 8,377 |
| Total interest expense | $1,339,000 | 7,486 |
| Net interest income | $693,000 | 9,137 |
| Provision for loan and lease losses | $121,000 | 4,816 |
| Total noninterest income | $28,000 | 9,607 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 9,744 |
| Total noninterest expense | $1,527,000 | 6,687 |
| Salaries and employee benefits | $754,000 | 6,950 |
| Premises and equipment expense | $275,000 | 5,711 |
| Additional noninterest expense | $498,000 | 6,442 |
| Pre-tax net operating income | $-927,000 | 9,698 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-927,000 | 9,713 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-927,000 | 9,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-927,000 | 9,713 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $626,000 | 9,894 |
| Total interest expense | $267,000 | 9,842 |
| Net interest income | $359,000 | 9,881 |
| Provision for loan and lease losses | $72,000 | 5,852 |
| Total noninterest income | $38,000 | 9,757 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,711 |
| Total noninterest expense | $1,226,000 | 7,504 |
| Salaries and employee benefits | $558,000 | 7,988 |
| Premises and equipment expense | $247,000 | 6,077 |
| Additional noninterest expense | $421,000 | 7,107 |
| Pre-tax net operating income | $-901,000 | 10,041 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-901,000 | 10,065 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-901,000 | 10,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-901,000 | 10,054 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $158,000 | 10,382 |
| Total interest expense | $43,000 | 10,348 |
| Net interest income | $115,000 | 10,372 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $0 | 10,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $401,000 | 10,054 |
| Salaries and employee benefits | $161,000 | 10,241 |
| Premises and equipment expense | $44,000 | 9,945 |
| Additional noninterest expense | $196,000 | 9,164 |
| Pre-tax net operating income | $-286,000 | 10,057 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-286,000 | 10,106 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-286,000 | 10,101 |
| 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 | $6,241,000 | 183 |
| Net operating income | $-286,000 | 10,076 |
* 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.