Home > Old Florida Bank > Income and Expense
Old Florida Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,058,000 | 2,087 |
| Total interest expense | $2,600,000 | 1,884 |
| Net interest income | $2,458,000 | 2,323 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $226,000 | 3,766 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $35,000 | 5,544 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $191,000 | 2,612 |
| Total noninterest expense | $1,808,000 | 2,535 |
| Salaries and employee benefits | $997,000 | 2,560 |
| Premises and equipment expense | $364,000 | 1,825 |
| Additional noninterest expense | $447,000 | 2,875 |
| Pre-tax net operating income | $876,000 | 2,393 |
| Securities gains (losses) | $6,000 | 777 |
| Applicable income taxes | $321,000 | 1,775 |
| Income before extraordinary items | $561,000 | 2,778 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $561,000 | 2,779 |
| 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 | $0 | 885 |
| Net operating income | $557,160 | 2,781 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,555,000 | 1,798 |
| Total interest expense | $11,282,000 | 1,489 |
| Net interest income | $11,273,000 | 2,063 |
| Provision for loan and lease losses | $16,000 | 6,407 |
| Total noninterest income | $771,000 | 4,155 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $131,000 | 5,764 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $640,000 | 2,898 |
| Total noninterest expense | $7,984,000 | 2,215 |
| Salaries and employee benefits | $4,579,000 | 2,134 |
| Premises and equipment expense | $1,620,000 | 1,588 |
| Additional noninterest expense | $1,785,000 | 2,840 |
| Pre-tax net operating income | $4,044,000 | 2,246 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $1,449,000 | 1,721 |
| Income before extraordinary items | $2,593,000 | 2,537 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,593,000 | 2,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 8,347 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,594,280 | 2,515 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,067,000 | 1,761 |
| Total interest expense | $8,453,000 | 1,446 |
| Net interest income | $8,614,000 | 2,035 |
| Provision for loan and lease losses | $16,000 | 6,161 |
| Total noninterest income | $616,000 | 4,001 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $95,000 | 5,880 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $521,000 | 2,787 |
| Total noninterest expense | $5,744,000 | 2,300 |
| Salaries and employee benefits | $3,137,000 | 2,347 |
| Premises and equipment expense | $1,230,000 | 1,575 |
| Additional noninterest expense | $1,377,000 | 2,750 |
| Pre-tax net operating income | $3,470,000 | 2,080 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $1,211,000 | 1,639 |
| Income before extraordinary items | $2,257,000 | 2,347 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,257,000 | 2,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 8,448 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,258,300 | 2,335 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,362,000 | 1,727 |
| Total interest expense | $5,539,000 | 1,394 |
| Net interest income | $5,823,000 | 2,006 |
| Provision for loan and lease losses | $16,000 | 5,712 |
| Total noninterest income | $419,000 | 3,943 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $61,000 | 5,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $358,000 | 2,719 |
| Total noninterest expense | $3,888,000 | 2,274 |
| Salaries and employee benefits | $2,130,000 | 2,298 |
| Premises and equipment expense | $831,000 | 1,561 |
| Additional noninterest expense | $927,000 | 2,749 |
| Pre-tax net operating income | $2,338,000 | 2,062 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $823,000 | 1,628 |
| Income before extraordinary items | $1,515,000 | 2,319 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,515,000 | 2,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 8,505 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,515,000 | 2,304 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,465,000 | 1,749 |
| Total interest expense | $2,596,000 | 1,419 |
| Net interest income | $2,869,000 | 2,022 |
| Provision for loan and lease losses | $16,000 | 4,730 |
| Total noninterest income | $193,000 | 4,069 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $32,000 | 5,806 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $161,000 | 2,841 |
| Total noninterest expense | $1,931,000 | 2,302 |
| Salaries and employee benefits | $1,055,000 | 2,338 |
| Premises and equipment expense | $406,000 | 1,608 |
| Additional noninterest expense | $470,000 | 2,686 |
| Pre-tax net operating income | $1,115,000 | 2,098 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $395,000 | 1,672 |
| Income before extraordinary items | $720,000 | 2,392 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $720,000 | 2,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-74,000 | 8,587 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $720,000 | 2,368 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,138,000 | 1,958 |
| Total interest expense | $7,116,000 | 1,606 |
| Net interest income | $10,022,000 | 2,207 |
| Provision for loan and lease losses | $775,000 | 1,302 |
| Total noninterest income | $974,000 | 3,631 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $195,000 | 5,092 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $779,000 | 2,593 |
| Total noninterest expense | $6,989,000 | 2,400 |
| Salaries and employee benefits | $3,845,000 | 2,380 |
| Premises and equipment expense | $1,456,000 | 1,681 |
| Additional noninterest expense | $1,688,000 | 2,934 |
| Pre-tax net operating income | $3,232,000 | 2,602 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,148,000 | 2,071 |
| Income before extraordinary items | $2,084,000 | 2,991 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,084,000 | 2,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,517 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,084,000 | 2,958 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,945,000 | 2,041 |
| Total interest expense | $4,851,000 | 1,662 |
| Net interest income | $7,094,000 | 2,314 |
| Provision for loan and lease losses | $665,000 | 1,123 |
| Total noninterest income | $725,000 | 3,659 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $151,000 | 5,056 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $574,000 | 2,622 |
| Total noninterest expense | $5,010,000 | 2,467 |
| Salaries and employee benefits | $2,716,000 | 2,487 |
| Premises and equipment expense | $1,050,000 | 1,734 |
| Additional noninterest expense | $1,244,000 | 2,952 |
| Pre-tax net operating income | $2,144,000 | 2,901 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $762,000 | 2,279 |
| Income before extraordinary items | $1,382,000 | 3,339 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,382,000 | 3,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,746 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,382,000 | 3,298 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,312,000 | 2,155 |
| Total interest expense | $2,870,000 | 1,764 |
| Net interest income | $4,442,000 | 2,429 |
| Provision for loan and lease losses | $345,000 | 1,356 |
| Total noninterest income | $398,000 | 4,062 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $104,000 | 4,953 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $294,000 | 3,092 |
| Total noninterest expense | $3,115,000 | 2,607 |
| Salaries and employee benefits | $1,666,000 | 2,661 |
| Premises and equipment expense | $653,000 | 1,838 |
| Additional noninterest expense | $796,000 | 3,028 |
| Pre-tax net operating income | $1,380,000 | 2,932 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $492,000 | 2,296 |
| Income before extraordinary items | $888,000 | 3,393 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $888,000 | 3,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,351 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $888,000 | 3,343 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,403,000 | 2,269 |
| Total interest expense | $1,323,000 | 1,797 |
| Net interest income | $2,080,000 | 2,568 |
| Provision for loan and lease losses | $205,000 | 1,112 |
| Total noninterest income | $192,000 | 4,074 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $57,000 | 4,704 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $135,000 | 3,174 |
| Total noninterest expense | $1,507,000 | 2,703 |
| Salaries and employee benefits | $805,000 | 2,755 |
| Premises and equipment expense | $314,000 | 1,902 |
| Additional noninterest expense | $388,000 | 3,099 |
| Pre-tax net operating income | $560,000 | 3,388 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $200,000 | 2,592 |
| Income before extraordinary items | $360,000 | 3,895 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $360,000 | 3,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,394 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $360,000 | 3,847 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,669,000 | 2,654 |
| Total interest expense | $3,523,000 | 2,295 |
| Net interest income | $7,146,000 | 2,835 |
| Provision for loan and lease losses | $433,000 | 2,223 |
| Total noninterest income | $496,000 | 5,284 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $147,000 | 5,822 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $349,000 | 3,971 |
| Total noninterest expense | $6,258,000 | 2,541 |
| Salaries and employee benefits | $3,443,000 | 2,533 |
| Premises and equipment expense | $1,199,000 | 1,919 |
| Additional noninterest expense | $1,616,000 | 2,950 |
| Pre-tax net operating income | $951,000 | 5,372 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $346,000 | 3,953 |
| Income before extraordinary items | $608,000 | 5,917 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $608,000 | 5,919 |
| 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 | $606,080 | 5,855 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,614,000 | 2,762 |
| Total interest expense | $2,406,000 | 2,437 |
| Net interest income | $5,208,000 | 2,886 |
| Provision for loan and lease losses | $228,000 | 2,737 |
| Total noninterest income | $341,000 | 5,538 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $101,000 | 6,037 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $240,000 | 4,135 |
| Total noninterest expense | $4,689,000 | 2,509 |
| Salaries and employee benefits | $2,572,000 | 2,508 |
| Premises and equipment expense | $895,000 | 1,918 |
| Additional noninterest expense | $1,222,000 | 2,878 |
| Pre-tax net operating income | $632,000 | 5,752 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $229,000 | 4,232 |
| Income before extraordinary items | $406,000 | 6,291 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $406,000 | 6,291 |
| 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 | $404,080 | 6,224 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,904,000 | 2,833 |
| Total interest expense | $1,493,000 | 2,583 |
| Net interest income | $3,411,000 | 2,925 |
| Provision for loan and lease losses | $183,000 | 2,342 |
| Total noninterest income | $220,000 | 5,615 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $63,000 | 6,159 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $157,000 | 4,218 |
| Total noninterest expense | $3,122,000 | 2,531 |
| Salaries and employee benefits | $1,701,000 | 2,527 |
| Premises and equipment expense | $592,000 | 1,935 |
| Additional noninterest expense | $829,000 | 2,846 |
| Pre-tax net operating income | $326,000 | 6,331 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $115,000 | 4,662 |
| Income before extraordinary items | $211,000 | 6,790 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 6,790 |
| 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 | $211,000 | 6,705 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,313,000 | 2,998 |
| Total interest expense | $727,000 | 2,667 |
| Net interest income | $1,586,000 | 3,116 |
| Provision for loan and lease losses | $63,000 | 2,874 |
| Total noninterest income | $93,000 | 5,951 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $29,000 | 6,251 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $64,000 | 4,614 |
| Total noninterest expense | $1,529,000 | 2,583 |
| Salaries and employee benefits | $817,000 | 2,632 |
| Premises and equipment expense | $198,000 | 2,838 |
| Additional noninterest expense | $514,000 | 2,300 |
| Pre-tax net operating income | $87,000 | 7,358 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $28,000 | 5,476 |
| Income before extraordinary items | $59,000 | 7,597 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $59,000 | 7,599 |
| 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 | $59,000 | 7,525 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,347,000 | 3,672 |
| Total interest expense | $2,465,000 | 3,370 |
| Net interest income | $4,882,000 | 3,744 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $768,000 | 4,332 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $136,000 | 6,056 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $632,000 | 3,155 |
| Total noninterest expense | $4,754,000 | 3,178 |
| Salaries and employee benefits | $2,525,000 | 3,247 |
| Premises and equipment expense | $916,000 | 2,441 |
| Additional noninterest expense | $1,313,000 | 3,465 |
| Pre-tax net operating income | $896,000 | 5,436 |
| Securities gains (losses) | $15,000 | 3,390 |
| Applicable income taxes | $333,000 | 4,123 |
| Income before extraordinary items | $578,000 | 6,022 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $578,000 | 6,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,987 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $568,400 | 5,906 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,209,000 | 3,896 |
| Total interest expense | $1,845,000 | 3,494 |
| Net interest income | $3,364,000 | 4,029 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $644,000 | 4,115 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $100,000 | 6,127 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $544,000 | 2,980 |
| Total noninterest expense | $3,302,000 | 3,402 |
| Salaries and employee benefits | $1,821,000 | 3,344 |
| Premises and equipment expense | $642,000 | 2,600 |
| Additional noninterest expense | $839,000 | 3,932 |
| Pre-tax net operating income | $706,000 | 5,476 |
| Securities gains (losses) | $15,000 | 3,125 |
| Applicable income taxes | $264,000 | 4,169 |
| Income before extraordinary items | $457,000 | 6,061 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $457,000 | 6,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $447,400 | 5,943 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,352,000 | 4,053 |
| Total interest expense | $1,221,000 | 3,615 |
| Net interest income | $2,131,000 | 4,197 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $210,000 | 5,888 |
| 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 | $144,000 | 4,641 |
| Total noninterest expense | $2,049,000 | 3,611 |
| Salaries and employee benefits | $1,138,000 | 3,516 |
| Premises and equipment expense | $390,000 | 2,838 |
| Additional noninterest expense | $521,000 | 4,115 |
| Pre-tax net operating income | $292,000 | 6,548 |
| Securities gains (losses) | $15,000 | 2,750 |
| Applicable income taxes | $112,000 | 4,969 |
| Income before extraordinary items | $195,000 | 7,011 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $195,000 | 7,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,111 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $185,400 | 6,921 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,720,000 | 3,980 |
| Total interest expense | $631,000 | 3,604 |
| Net interest income | $1,089,000 | 4,131 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $83,000 | 6,334 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $39,000 | 5,725 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $44,000 | 5,509 |
| Total noninterest expense | $997,000 | 3,681 |
| Salaries and employee benefits | $538,000 | 3,674 |
| Premises and equipment expense | $191,000 | 2,867 |
| Additional noninterest expense | $268,000 | 4,001 |
| Pre-tax net operating income | $175,000 | 6,160 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $65,000 | 4,700 |
| Income before extraordinary items | $110,000 | 6,717 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $110,000 | 6,718 |
| 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 | $110,000 | 6,547 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,716,000 | 4,192 |
| Total interest expense | $2,834,000 | 3,697 |
| Net interest income | $3,882,000 | 4,446 |
| Provision for loan and lease losses | $149,000 | 4,975 |
| Total noninterest income | $238,000 | 6,964 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $139,000 | 5,976 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $99,000 | 6,467 |
| Total noninterest expense | $3,378,000 | 4,080 |
| Salaries and employee benefits | $1,774,000 | 4,139 |
| Premises and equipment expense | $735,000 | 2,872 |
| Additional noninterest expense | $869,000 | 4,655 |
| Pre-tax net operating income | $593,000 | 6,444 |
| Securities gains (losses) | $30,000 | 2,835 |
| Applicable income taxes | $234,000 | 4,866 |
| Income before extraordinary items | $389,000 | 6,898 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $389,000 | 6,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $61,000 | 5,864 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $369,800 | 6,860 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,898,000 | 4,481 |
| Total interest expense | $3,852,000 | 3,919 |
| Net interest income | $3,046,000 | 5,010 |
| Provision for loan and lease losses | $80,000 | 5,977 |
| Total noninterest income | $168,000 | 7,656 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $79,000 | 6,996 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $89,000 | 6,670 |
| Total noninterest expense | $2,758,000 | 4,626 |
| Salaries and employee benefits | $1,399,000 | 4,757 |
| Premises and equipment expense | $634,000 | 3,217 |
| Additional noninterest expense | $725,000 | 5,151 |
| Pre-tax net operating income | $376,000 | 7,079 |
| Securities gains (losses) | $13,000 | 3,437 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $389,000 | 6,641 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $389,000 | 6,644 |
| 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 | $2,482,000 | 278 |
| Net operating income | $376,000 | 6,576 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,750,000 | 5,228 |
| Total interest expense | $3,319,000 | 4,559 |
| Net interest income | $2,431,000 | 5,919 |
| Provision for loan and lease losses | $280,000 | 3,006 |
| Total noninterest income | $127,000 | 8,203 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 7,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 7,208 |
| Total noninterest expense | $2,566,000 | 4,768 |
| Salaries and employee benefits | $1,228,000 | 5,117 |
| Premises and equipment expense | $440,000 | 4,195 |
| Additional noninterest expense | $898,000 | 4,343 |
| Pre-tax net operating income | $-288,000 | 9,408 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-108,000 | 9,594 |
| Income before extraordinary items | $-180,000 | 9,357 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-180,000 | 9,356 |
| 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 | $-180,000 | 9,356 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,295,000 | 8,139 |
| Total interest expense | $1,140,000 | 7,805 |
| Net interest income | $1,155,000 | 8,293 |
| Provision for loan and lease losses | $442,000 | 1,949 |
| Total noninterest income | $65,000 | 9,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 8,712 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,811 |
| Total noninterest expense | $2,031,000 | 5,634 |
| Salaries and employee benefits | $1,013,000 | 5,834 |
| Premises and equipment expense | $361,000 | 4,864 |
| Additional noninterest expense | $657,000 | 5,487 |
| Pre-tax net operating income | $-1,253,000 | 10,102 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-469,000 | 10,132 |
| Income before extraordinary items | $-784,000 | 10,024 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-784,000 | 10,023 |
| 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 | $-784,000 | 10,013 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $202,000 | 10,355 |
| Total interest expense | $13,000 | 10,396 |
| Net interest income | $189,000 | 10,306 |
| Provision for loan and lease losses | $23,000 | 7,650 |
| Total noninterest income | $134,000 | 8,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 5,971 |
| Total noninterest expense | $632,000 | 9,334 |
| Salaries and employee benefits | $335,000 | 9,389 |
| Premises and equipment expense | $84,000 | 9,069 |
| Additional noninterest expense | $213,000 | 8,983 |
| Pre-tax net operating income | $-332,000 | 10,096 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-124,000 | 10,252 |
| Income before extraordinary items | $-208,000 | 10,053 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-208,000 | 10,048 |
| 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 | $9,971,000 | 103 |
| Net operating income | $-208,000 | 10,025 |
* 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.