Home > Piedmont Community Bank > Income and Expense
Piedmont Community Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,436,000 | 3,627 |
| Total interest expense | $2,490,000 | 1,858 |
| Net interest income | $2,946,000 | 4,610 |
| Provision for loan and lease losses | $6,380,000 | 506 |
| Total noninterest income | $2,035,000 | 1,596 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $198,000 | 3,867 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,837,000 | 1,186 |
| Total noninterest expense | $6,724,000 | 2,140 |
| Salaries and employee benefits | $1,064,000 | 5,098 |
| Premises and equipment expense | $257,000 | 4,975 |
| Additional noninterest expense | $5,403,000 | 982 |
| Pre-tax net operating income | $-8,123,000 | 7,312 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-2,000 | 6,729 |
| Income before extraordinary items | $-8,121,000 | 7,321 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-8,121,000 | 7,321 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-8,121,000 | 7,321 |
| Net charge-offs | $6,040,000 | 544 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-8,121,000 | 7,311 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,789,000 | 3,554 |
| Total interest expense | $1,740,000 | 1,836 |
| Net interest income | $2,049,000 | 4,516 |
| Provision for loan and lease losses | $6,330,000 | 338 |
| Total noninterest income | $583,000 | 2,847 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $139,000 | 3,741 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $444,000 | 2,282 |
| Total noninterest expense | $4,922,000 | 1,958 |
| Salaries and employee benefits | $735,000 | 5,047 |
| Premises and equipment expense | $181,000 | 4,885 |
| Additional noninterest expense | $4,006,000 | 907 |
| Pre-tax net operating income | $-8,620,000 | 7,432 |
| Securities gains (losses) | $338,000 | 499 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-8,282,000 | 7,431 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-8,282,000 | 7,431 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-8,282,000 | 7,431 |
| Net charge-offs | $5,567,000 | 422 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-8,620,000 | 7,431 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,890,000 | 3,568 |
| Total interest expense | $911,000 | 1,813 |
| Net interest income | $979,000 | 4,630 |
| Provision for loan and lease losses | $5,556,000 | 220 |
| Total noninterest income | $198,000 | 3,614 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $76,000 | 3,534 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $122,000 | 3,234 |
| Total noninterest expense | $3,048,000 | 1,627 |
| Salaries and employee benefits | $390,000 | 4,936 |
| Premises and equipment expense | $98,000 | 4,744 |
| Additional noninterest expense | $2,560,000 | 705 |
| Pre-tax net operating income | $-7,427,000 | 7,531 |
| Securities gains (losses) | $26,000 | 999 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-7,401,000 | 7,523 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-7,401,000 | 7,523 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-7,401,000 | 7,523 |
| Net charge-offs | $5,253,000 | 264 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-7,427,000 | 7,524 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,516,000 | 3,384 |
| Total interest expense | $4,803,000 | 1,703 |
| Net interest income | $3,713,000 | 4,789 |
| Provision for loan and lease losses | $3,760,000 | 1,392 |
| Total noninterest income | $672,000 | 4,015 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $238,000 | 4,096 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $434,000 | 3,386 |
| Total noninterest expense | $6,734,000 | 2,813 |
| Salaries and employee benefits | $1,652,000 | 4,778 |
| Premises and equipment expense | $426,000 | 4,596 |
| Additional noninterest expense | $4,656,000 | 1,547 |
| Pre-tax net operating income | $-6,109,000 | 7,191 |
| Securities gains (losses) | $475,000 | 931 |
| Applicable income taxes | $655,000 | 1,644 |
| Income before extraordinary items | $-6,289,000 | 7,250 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,289,000 | 7,250 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-6,289,000 | 7,250 |
| Net charge-offs | $2,783,000 | 1,538 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-6,764,000 | 7,253 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,514,000 | 3,387 |
| Total interest expense | $3,765,000 | 1,701 |
| Net interest income | $2,749,000 | 4,885 |
| Provision for loan and lease losses | $3,760,000 | 1,099 |
| Total noninterest income | $554,000 | 3,858 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $179,000 | 4,154 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $375,000 | 3,203 |
| Total noninterest expense | $5,319,000 | 2,695 |
| Salaries and employee benefits | $1,248,000 | 4,795 |
| Premises and equipment expense | $332,000 | 4,572 |
| Additional noninterest expense | $3,739,000 | 1,417 |
| Pre-tax net operating income | $-5,776,000 | 7,409 |
| Securities gains (losses) | $386,000 | 906 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-5,390,000 | 7,443 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-5,390,000 | 7,443 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-5,390,000 | 7,443 |
| Net charge-offs | $1,784,000 | 1,617 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-5,776,000 | 7,436 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,616,000 | 3,250 |
| Total interest expense | $2,643,000 | 1,703 |
| Net interest income | $1,973,000 | 4,695 |
| Provision for loan and lease losses | $940,000 | 2,003 |
| Total noninterest income | $522,000 | 3,135 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $123,000 | 4,090 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $399,000 | 2,417 |
| Total noninterest expense | $3,366,000 | 2,820 |
| Salaries and employee benefits | $850,000 | 4,757 |
| Premises and equipment expense | $233,000 | 4,453 |
| Additional noninterest expense | $2,283,000 | 1,552 |
| Pre-tax net operating income | $-1,811,000 | 7,229 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,811,000 | 7,306 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,811,000 | 7,306 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,811,000 | 7,306 |
| Net charge-offs | $1,460,000 | 1,384 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,811,000 | 7,294 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,357,000 | 3,248 |
| Total interest expense | $1,379,000 | 1,711 |
| Net interest income | $978,000 | 4,744 |
| Provision for loan and lease losses | $440,000 | 1,977 |
| Total noninterest income | $298,000 | 2,877 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $60,000 | 4,126 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $238,000 | 2,140 |
| Total noninterest expense | $2,120,000 | 2,302 |
| Salaries and employee benefits | $436,000 | 4,744 |
| Premises and equipment expense | $127,000 | 4,325 |
| Additional noninterest expense | $1,557,000 | 1,129 |
| Pre-tax net operating income | $-1,284,000 | 7,487 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,284,000 | 7,534 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,284,000 | 7,534 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,284,000 | 7,535 |
| Net charge-offs | $889,000 | 1,123 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,284,000 | 7,531 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,248,000 | 3,173 |
| Total interest expense | $7,169,000 | 1,650 |
| Net interest income | $3,079,000 | 5,313 |
| Provision for loan and lease losses | $2,065,000 | 2,438 |
| Total noninterest income | $1,183,000 | 3,011 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $252,000 | 4,216 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $931,000 | 2,242 |
| Total noninterest expense | $6,320,000 | 3,053 |
| Salaries and employee benefits | $1,704,000 | 4,815 |
| Premises and equipment expense | $531,000 | 4,221 |
| Additional noninterest expense | $4,085,000 | 1,819 |
| Pre-tax net operating income | $-4,123,000 | 7,077 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-169,000 | 6,712 |
| Income before extraordinary items | $-3,954,000 | 7,150 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,954,000 | 7,150 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,954,000 | 7,149 |
| Net charge-offs | $657,000 | 3,437 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $-75,000 | 7,934 |
| Net operating income | $-3,954,000 | 7,148 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,809,000 | 3,182 |
| Total interest expense | $5,536,000 | 1,677 |
| Net interest income | $2,273,000 | 5,381 |
| Provision for loan and lease losses | $1,413,000 | 2,295 |
| Total noninterest income | $367,000 | 4,826 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $193,000 | 4,188 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $174,000 | 4,513 |
| Total noninterest expense | $4,278,000 | 3,318 |
| Salaries and employee benefits | $1,278,000 | 4,842 |
| Premises and equipment expense | $405,000 | 4,229 |
| Additional noninterest expense | $2,595,000 | 2,036 |
| Pre-tax net operating income | $-3,051,000 | 7,297 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-169,000 | 7,062 |
| Income before extraordinary items | $-2,882,000 | 7,360 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,882,000 | 7,360 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,882,000 | 7,360 |
| Net charge-offs | $629,000 | 2,750 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $-75,000 | 8,039 |
| Net operating income | $-2,882,000 | 7,347 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,356,000 | 3,126 |
| Total interest expense | $3,772,000 | 1,718 |
| Net interest income | $1,584,000 | 5,249 |
| Provision for loan and lease losses | $1,212,000 | 1,849 |
| Total noninterest income | $508,000 | 3,389 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $124,000 | 4,244 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $384,000 | 2,612 |
| Total noninterest expense | $3,156,000 | 3,088 |
| Salaries and employee benefits | $844,000 | 4,935 |
| Premises and equipment expense | $274,000 | 4,203 |
| Additional noninterest expense | $2,038,000 | 1,786 |
| Pre-tax net operating income | $-2,276,000 | 7,449 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-169,000 | 7,276 |
| Income before extraordinary items | $-2,107,000 | 7,504 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,107,000 | 7,504 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,107,000 | 7,503 |
| Net charge-offs | $407,000 | 2,591 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $-75,000 | 8,146 |
| Net operating income | $-2,107,000 | 7,504 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,841,000 | 3,000 |
| Total interest expense | $1,926,000 | 1,756 |
| Net interest income | $915,000 | 4,826 |
| Provision for loan and lease losses | $462,000 | 1,850 |
| Total noninterest income | $353,000 | 2,711 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $59,000 | 4,277 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $294,000 | 1,987 |
| Total noninterest expense | $1,108,000 | 4,010 |
| Salaries and employee benefits | $408,000 | 5,082 |
| Premises and equipment expense | $142,000 | 4,138 |
| Additional noninterest expense | $558,000 | 2,729 |
| Pre-tax net operating income | $-302,000 | 7,066 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-169,000 | 7,675 |
| Income before extraordinary items | $-133,000 | 6,888 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-133,000 | 6,889 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-133,000 | 6,889 |
| Net charge-offs | $354,000 | 1,639 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $-66,000 | 8,212 |
| Net operating income | $-133,000 | 6,810 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,393,000 | 2,952 |
| Total interest expense | $8,192,000 | 1,921 |
| Net interest income | $4,201,000 | 4,430 |
| Provision for loan and lease losses | $2,158,000 | 1,711 |
| Total noninterest income | $635,000 | 4,345 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $198,000 | 4,809 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $437,000 | 3,432 |
| Total noninterest expense | $4,816,000 | 3,669 |
| Salaries and employee benefits | $2,450,000 | 3,826 |
| Premises and equipment expense | $558,000 | 4,166 |
| Additional noninterest expense | $1,808,000 | 3,129 |
| Pre-tax net operating income | $-2,138,000 | 7,400 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-872,000 | 7,668 |
| Income before extraordinary items | $-1,266,000 | 7,119 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,266,000 | 7,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,060,000 | 1,894 |
| Cash dividends | $137,000 | 4,790 |
| Sale, conversion, retirement of capital stock, net | $244,000 | 713 |
| Net operating income | $-1,266,000 | 7,232 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,543,000 | 2,936 |
| Total interest expense | $6,173,000 | 2,005 |
| Net interest income | $3,370,000 | 4,254 |
| Provision for loan and lease losses | $1,893,000 | 1,227 |
| Total noninterest income | $510,000 | 4,293 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $141,000 | 4,947 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $369,000 | 3,315 |
| Total noninterest expense | $3,477,000 | 3,778 |
| Salaries and employee benefits | $1,875,000 | 3,806 |
| Premises and equipment expense | $379,000 | 4,453 |
| Additional noninterest expense | $1,223,000 | 3,340 |
| Pre-tax net operating income | $-1,490,000 | 7,728 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-601,000 | 7,925 |
| Income before extraordinary items | $-889,000 | 7,451 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-889,000 | 7,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $764,000 | 1,536 |
| Cash dividends | $137,000 | 4,195 |
| Sale, conversion, retirement of capital stock, net | $208,000 | 564 |
| Net operating income | $-889,000 | 7,569 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,481,000 | 2,931 |
| Total interest expense | $4,186,000 | 2,056 |
| Net interest income | $2,295,000 | 4,211 |
| Provision for loan and lease losses | $1,893,000 | 820 |
| Total noninterest income | $376,000 | 4,136 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $82,000 | 5,200 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $294,000 | 3,055 |
| Total noninterest expense | $2,282,000 | 3,843 |
| Salaries and employee benefits | $1,248,000 | 3,845 |
| Premises and equipment expense | $234,000 | 4,684 |
| Additional noninterest expense | $800,000 | 3,359 |
| Pre-tax net operating income | $-1,504,000 | 8,080 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-568,000 | 8,199 |
| Income before extraordinary items | $-936,000 | 7,967 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-936,000 | 7,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $716,000 | 1,050 |
| Cash dividends | $35,000 | 4,555 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 495 |
| Net operating income | $-936,000 | 7,954 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,428,000 | 2,848 |
| Total interest expense | $2,190,000 | 2,086 |
| Net interest income | $1,238,000 | 4,011 |
| Provision for loan and lease losses | $275,000 | 1,490 |
| Total noninterest income | $237,000 | 3,632 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $37,000 | 5,370 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $200,000 | 2,576 |
| Total noninterest expense | $1,155,000 | 3,813 |
| Salaries and employee benefits | $662,000 | 3,691 |
| Premises and equipment expense | $117,000 | 4,703 |
| Additional noninterest expense | $376,000 | 3,467 |
| Pre-tax net operating income | $45,000 | 6,675 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $20,000 | 4,373 |
| Income before extraordinary items | $25,000 | 6,949 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $25,000 | 6,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 1,345 |
| Cash dividends | $35,000 | 3,491 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 407 |
| Net operating income | $25,000 | 6,856 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,458,000 | 2,955 |
| Total interest expense | $7,824,000 | 2,365 |
| Net interest income | $5,634,000 | 3,674 |
| Provision for loan and lease losses | $614,000 | 2,016 |
| Total noninterest income | $330,000 | 5,855 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $150,000 | 5,423 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $180,000 | 5,272 |
| Total noninterest expense | $4,159,000 | 3,994 |
| Salaries and employee benefits | $2,252,000 | 4,011 |
| Premises and equipment expense | $441,000 | 4,741 |
| Additional noninterest expense | $1,466,000 | 3,485 |
| Pre-tax net operating income | $1,191,000 | 4,382 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $499,000 | 2,739 |
| Income before extraordinary items | $692,000 | 5,077 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $692,000 | 5,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $36,000 | 5,650 |
| Sale, conversion, retirement of capital stock, net | $278,000 | 662 |
| Net operating income | $692,000 | 5,068 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,776,000 | 3,048 |
| Total interest expense | $5,613,000 | 2,464 |
| Net interest income | $4,163,000 | 3,723 |
| Provision for loan and lease losses | $453,000 | 1,691 |
| Total noninterest income | $246,000 | 5,933 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $110,000 | 5,476 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $136,000 | 5,268 |
| Total noninterest expense | $3,011,000 | 4,082 |
| Salaries and employee benefits | $1,624,000 | 4,118 |
| Premises and equipment expense | $333,000 | 4,700 |
| Additional noninterest expense | $1,054,000 | 3,551 |
| Pre-tax net operating income | $945,000 | 4,481 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $402,000 | 2,804 |
| Income before extraordinary items | $543,000 | 5,225 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $543,000 | 5,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $37,000 | 5,009 |
| Sale, conversion, retirement of capital stock, net | $208,000 | 583 |
| Net operating income | $543,000 | 5,206 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,095,000 | 3,253 |
| Total interest expense | $3,485,000 | 2,629 |
| Net interest income | $2,610,000 | 3,900 |
| Provision for loan and lease losses | $318,000 | 1,472 |
| Total noninterest income | $169,000 | 5,914 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $52,000 | 6,036 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $117,000 | 4,803 |
| Total noninterest expense | $1,899,000 | 4,282 |
| Salaries and employee benefits | $1,054,000 | 4,253 |
| Premises and equipment expense | $218,000 | 4,763 |
| Additional noninterest expense | $627,000 | 3,889 |
| Pre-tax net operating income | $562,000 | 4,818 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $249,000 | 2,969 |
| Income before extraordinary items | $313,000 | 5,566 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $313,000 | 5,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $36,000 | 4,778 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 533 |
| Net operating income | $313,000 | 5,544 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,836,000 | 3,441 |
| Total interest expense | $1,619,000 | 2,791 |
| Net interest income | $1,217,000 | 4,106 |
| Provision for loan and lease losses | $137,000 | 1,602 |
| Total noninterest income | $95,000 | 5,648 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $38,000 | 5,408 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $57,000 | 4,859 |
| Total noninterest expense | $899,000 | 4,441 |
| Salaries and employee benefits | $513,000 | 4,352 |
| Premises and equipment expense | $98,000 | 5,113 |
| Additional noninterest expense | $288,000 | 4,090 |
| Pre-tax net operating income | $276,000 | 4,837 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $141,000 | 2,811 |
| Income before extraordinary items | $135,000 | 5,860 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $135,000 | 5,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $36,000 | 3,700 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 421 |
| Net operating income | $135,000 | 5,840 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,385,000 | 4,076 |
| Total interest expense | $4,320,000 | 3,400 |
| Net interest income | $4,065,000 | 4,619 |
| Provision for loan and lease losses | $356,000 | 2,490 |
| Total noninterest income | $405,000 | 5,581 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $84,000 | 6,375 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $321,000 | 4,172 |
| Total noninterest expense | $2,971,000 | 4,932 |
| Salaries and employee benefits | $1,677,000 | 4,851 |
| Premises and equipment expense | $362,000 | 5,232 |
| Additional noninterest expense | $932,000 | 4,742 |
| Pre-tax net operating income | $1,143,000 | 4,890 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $411,000 | 3,400 |
| Income before extraordinary items | $732,000 | 5,408 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $732,000 | 5,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $234,000 | 731 |
| Net operating income | $732,000 | 5,400 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,871,000 | 4,233 |
| Total interest expense | $2,988,000 | 3,526 |
| Net interest income | $2,883,000 | 4,815 |
| Provision for loan and lease losses | $234,000 | 2,549 |
| Total noninterest income | $334,000 | 5,406 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $64,000 | 6,430 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $270,000 | 3,951 |
| Total noninterest expense | $2,103,000 | 5,099 |
| Salaries and employee benefits | $1,204,000 | 4,952 |
| Premises and equipment expense | $238,000 | 5,625 |
| Additional noninterest expense | $661,000 | 4,907 |
| Pre-tax net operating income | $880,000 | 5,019 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $288,000 | 3,640 |
| Income before extraordinary items | $592,000 | 5,387 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $592,000 | 5,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $166,000 | 627 |
| Net operating income | $592,000 | 5,384 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,697,000 | 4,341 |
| Total interest expense | $1,818,000 | 3,635 |
| Net interest income | $1,879,000 | 4,897 |
| Provision for loan and lease losses | $175,000 | 2,349 |
| Total noninterest income | $244,000 | 5,199 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $43,000 | 6,440 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $201,000 | 3,736 |
| Total noninterest expense | $1,315,000 | 5,318 |
| Salaries and employee benefits | $775,000 | 5,088 |
| Premises and equipment expense | $137,000 | 6,003 |
| Additional noninterest expense | $403,000 | 5,184 |
| Pre-tax net operating income | $633,000 | 4,864 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $212,000 | 3,538 |
| Income before extraordinary items | $421,000 | 5,268 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $421,000 | 5,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 561 |
| Net operating income | $421,000 | 5,269 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,711,000 | 4,528 |
| Total interest expense | $822,000 | 3,753 |
| Net interest income | $889,000 | 5,075 |
| Provision for loan and lease losses | $119,000 | 1,792 |
| Total noninterest income | $120,000 | 5,210 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $20,000 | 6,506 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $100,000 | 3,699 |
| Total noninterest expense | $591,000 | 5,675 |
| Salaries and employee benefits | $341,000 | 5,515 |
| Premises and equipment expense | $66,000 | 6,124 |
| Additional noninterest expense | $184,000 | 5,434 |
| Pre-tax net operating income | $299,000 | 4,987 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $113,000 | 3,429 |
| Income before extraordinary items | $186,000 | 5,496 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $186,000 | 5,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $-25,000 | 8,734 |
| Net operating income | $186,000 | 5,493 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,707,000 | 5,345 |
| Total interest expense | $1,986,000 | 4,452 |
| Net interest income | $2,721,000 | 5,809 |
| Provision for loan and lease losses | $371,000 | 2,409 |
| Total noninterest income | $510,000 | 5,202 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $121,000 | 5,986 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $389,000 | 3,819 |
| Total noninterest expense | $2,047,000 | 6,032 |
| Salaries and employee benefits | $1,040,000 | 6,235 |
| Premises and equipment expense | $225,000 | 6,471 |
| Additional noninterest expense | $782,000 | 5,242 |
| Pre-tax net operating income | $813,000 | 5,842 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-233,000 | 8,693 |
| Income before extraordinary items | $1,046,000 | 4,710 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,046,000 | 4,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,559 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $7,774,000 | 240 |
| Net operating income | $1,046,000 | 4,678 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,225,000 | 5,590 |
| Total interest expense | $1,328,000 | 4,647 |
| Net interest income | $1,897,000 | 6,042 |
| Provision for loan and lease losses | $227,000 | 2,702 |
| Total noninterest income | $370,000 | 5,291 |
| 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 | $302,000 | 3,780 |
| Total noninterest expense | $1,504,000 | 6,071 |
| Salaries and employee benefits | $722,000 | 6,457 |
| Premises and equipment expense | $163,000 | 6,518 |
| Additional noninterest expense | $619,000 | 5,011 |
| Pre-tax net operating income | $536,000 | 6,257 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-284,000 | 8,781 |
| Income before extraordinary items | $820,000 | 4,692 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $820,000 | 4,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,120 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $6,635,000 | 187 |
| Net operating income | $820,000 | 4,652 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,974,000 | 5,779 |
| Total interest expense | $800,000 | 4,782 |
| Net interest income | $1,174,000 | 6,246 |
| Provision for loan and lease losses | $157,000 | 2,562 |
| Total noninterest income | $233,000 | 5,399 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $44,000 | 6,475 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $189,000 | 3,861 |
| Total noninterest expense | $955,000 | 6,231 |
| Salaries and employee benefits | $436,000 | 6,718 |
| Premises and equipment expense | $105,000 | 6,596 |
| Additional noninterest expense | $414,000 | 4,975 |
| Pre-tax net operating income | $295,000 | 6,609 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-366,000 | 8,822 |
| Income before extraordinary items | $661,000 | 4,151 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $661,000 | 4,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,735 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $2,059,000 | 193 |
| Net operating income | $661,000 | 4,099 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $915,000 | 5,995 |
| Total interest expense | $362,000 | 4,965 |
| Net interest income | $553,000 | 6,433 |
| Provision for loan and lease losses | $65,000 | 2,741 |
| Total noninterest income | $119,000 | 5,277 |
| 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 | $97,000 | 3,786 |
| Total noninterest expense | $480,000 | 6,250 |
| Salaries and employee benefits | $226,000 | 6,677 |
| Premises and equipment expense | $50,000 | 6,770 |
| Additional noninterest expense | $204,000 | 4,996 |
| Pre-tax net operating income | $127,000 | 6,868 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-423,000 | 8,909 |
| Income before extraordinary items | $550,000 | 2,806 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $550,000 | 2,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $1,118,000 | 115 |
| Net operating income | $550,000 | 2,756 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,337,000 | 7,054 |
| Total interest expense | $808,000 | 6,230 |
| Net interest income | $1,529,000 | 7,276 |
| Provision for loan and lease losses | $275,000 | 3,079 |
| Total noninterest income | $300,000 | 6,406 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $84,000 | 6,711 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $216,000 | 4,947 |
| Total noninterest expense | $1,398,000 | 7,077 |
| Salaries and employee benefits | $679,000 | 7,359 |
| Premises and equipment expense | $180,000 | 6,974 |
| Additional noninterest expense | $539,000 | 6,332 |
| Pre-tax net operating income | $156,000 | 7,926 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $156,000 | 7,849 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $156,000 | 7,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,277 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 705 |
| Net operating income | $156,000 | 7,809 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,552,000 | 7,326 |
| Total interest expense | $517,000 | 6,620 |
| Net interest income | $1,035,000 | 7,503 |
| Provision for loan and lease losses | $188,000 | 3,101 |
| Total noninterest income | $174,000 | 6,938 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $57,000 | 6,887 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $117,000 | 5,624 |
| Total noninterest expense | $967,000 | 7,247 |
| Salaries and employee benefits | $466,000 | 7,531 |
| Premises and equipment expense | $126,000 | 7,104 |
| Additional noninterest expense | $375,000 | 6,507 |
| Pre-tax net operating income | $54,000 | 8,293 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $54,000 | 8,301 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $54,000 | 8,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,103 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $54,000 | 8,263 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $910,000 | 7,637 |
| Total interest expense | $299,000 | 6,991 |
| Net interest income | $611,000 | 7,781 |
| Provision for loan and lease losses | $88,000 | 3,797 |
| Total noninterest income | $47,000 | 8,244 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $31,000 | 7,155 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $16,000 | 7,964 |
| Total noninterest expense | $556,000 | 7,620 |
| Salaries and employee benefits | $261,000 | 7,943 |
| Premises and equipment expense | $75,000 | 7,342 |
| Additional noninterest expense | $220,000 | 6,908 |
| Pre-tax net operating income | $14,000 | 8,447 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $14,000 | 8,494 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $14,000 | 8,495 |
| 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 | $14,000 | 8,432 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $411,000 | 7,856 |
| Total interest expense | $133,000 | 7,308 |
| Net interest income | $278,000 | 7,975 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $26,000 | 8,131 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $13,000 | 7,319 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $13,000 | 7,451 |
| Total noninterest expense | $276,000 | 7,667 |
| Salaries and employee benefits | $139,000 | 7,860 |
| Premises and equipment expense | $35,000 | 7,507 |
| Additional noninterest expense | $102,000 | 7,103 |
| Pre-tax net operating income | $3,000 | 8,508 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $3,000 | 8,552 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,000 | 8,554 |
| 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 | $3,000 | 8,497 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,113,000 | 8,481 |
| Total interest expense | $299,000 | 8,455 |
| Net interest income | $814,000 | 8,392 |
| Provision for loan and lease losses | $204,000 | 3,990 |
| Total noninterest income | $73,000 | 8,583 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $40,000 | 7,585 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $33,000 | 8,018 |
| Total noninterest expense | $1,299,000 | 7,267 |
| Salaries and employee benefits | $729,000 | 7,195 |
| Premises and equipment expense | $112,000 | 7,912 |
| Additional noninterest expense | $458,000 | 6,801 |
| Pre-tax net operating income | $-616,000 | 8,867 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-616,000 | 8,938 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-616,000 | 8,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,630 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-616,000 | 8,884 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $754,000 | 8,662 |
| Total interest expense | $199,000 | 8,669 |
| Net interest income | $555,000 | 8,566 |
| Provision for loan and lease losses | $104,000 | 4,607 |
| Total noninterest income | $55,000 | 8,643 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $28,000 | 7,684 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,000 | 7,963 |
| Total noninterest expense | $972,000 | 7,275 |
| Salaries and employee benefits | $556,000 | 7,105 |
| Premises and equipment expense | $74,000 | 8,103 |
| Additional noninterest expense | $342,000 | 6,781 |
| Pre-tax net operating income | $-466,000 | 8,942 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-466,000 | 9,015 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-466,000 | 9,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,021 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-466,000 | 8,956 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $490,000 | 8,735 |
| Total interest expense | $112,000 | 8,851 |
| Net interest income | $378,000 | 8,585 |
| Provision for loan and lease losses | $104,000 | 3,807 |
| Total noninterest income | $20,000 | 8,974 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $16,000 | 7,783 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,000 | 8,891 |
| Total noninterest expense | $570,000 | 7,599 |
| Salaries and employee benefits | $322,000 | 7,497 |
| Premises and equipment expense | $48,000 | 8,136 |
| Additional noninterest expense | $200,000 | 7,140 |
| Pre-tax net operating income | $-276,000 | 8,974 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-276,000 | 9,051 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-276,000 | 9,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-276,000 | 8,981 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $231,000 | 8,839 |
| Total interest expense | $48,000 | 8,990 |
| Net interest income | $183,000 | 8,678 |
| Provision for loan and lease losses | $86,000 | 2,651 |
| Total noninterest income | $10,000 | 8,992 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 7,893 |
| Total noninterest expense | $256,000 | 7,873 |
| Salaries and employee benefits | $162,000 | 7,520 |
| Premises and equipment expense | $26,000 | 8,056 |
| Additional noninterest expense | $68,000 | 7,999 |
| Pre-tax net operating income | $-149,000 | 9,034 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-149,000 | 9,095 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-149,000 | 9,092 |
| 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 | $-149,000 | 9,033 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $298,000 | 9,240 |
| Total interest expense | $58,000 | 9,236 |
| Net interest income | $240,000 | 9,218 |
| Provision for loan and lease losses | $109,000 | 5,586 |
| Total noninterest income | $13,000 | 9,205 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $9,000 | 8,091 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 9,098 |
| Total noninterest expense | $1,057,000 | 7,818 |
| Salaries and employee benefits | $639,000 | 7,551 |
| Premises and equipment expense | $90,000 | 8,316 |
| Additional noninterest expense | $328,000 | 7,597 |
| Pre-tax net operating income | $-913,000 | 9,099 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-913,000 | 9,160 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-913,000 | 9,156 |
| 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 | $7,736,000 | 88 |
| Net operating income | $-913,000 | 9,125 |
* 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.