Home > PRP National Bank > Income and Expense

PRP National Bank, Income and Expense

2007-09-30 (YTD Data)		Rank
Total interest income	$3,609,000	5,849
Total interest expense	$1,765,000	5,434
Net interest income	$1,844,000	6,054
Provision for loan and lease losses	$32,000	5,503
Total noninterest income	$774,000	3,468
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$453,000	2,646
Trading account gains and fees	$0	184
Additional Noninterest Income	$321,000	3,615
Total noninterest expense	$2,082,000	5,227
Salaries and employee benefits	$942,000	5,826
Premises and equipment expense	$338,000	4,648
Additional noninterest expense	$802,000	4,357
Pre-tax net operating income	$504,000	5,756
Securities gains (losses)	$0	1,655
Applicable income taxes	$167,000	3,930
Income before extraordinary items	$337,000	6,122
Extraordinary gains, net	$0	33
Net income	$337,000	6,119
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	3,341
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$337,000	6,109
2007-06-30 (YTD Data)		Rank
Total interest income	$2,383,000	5,896
Total interest expense	$1,200,000	5,379
Net interest income	$1,183,000	6,187
Provision for loan and lease losses	$18,000	5,390
Total noninterest income	$488,000	3,610
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$236,000	3,140
Trading account gains and fees	$0	168
Additional Noninterest Income	$252,000	3,326
Total noninterest expense	$1,330,000	5,399
Salaries and employee benefits	$619,000	5,910
Premises and equipment expense	$214,000	4,817
Additional noninterest expense	$497,000	4,603
Pre-tax net operating income	$323,000	5,904
Securities gains (losses)	$0	1,444
Applicable income taxes	$110,000	4,019
Income before extraordinary items	$213,000	6,282
Extraordinary gains, net	$0	29
Net income	$213,000	6,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	3,180
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$213,000	6,275
2007-03-31 (YTD Data)		Rank
Total interest income	$1,162,000	5,966
Total interest expense	$581,000	5,463
Net interest income	$581,000	6,239
Provision for loan and lease losses	$9,000	5,108
Total noninterest income	$240,000	3,621
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$103,000	3,387
Trading account gains and fees	$0	195
Additional Noninterest Income	$137,000	3,179
Total noninterest expense	$651,000	5,496
Salaries and employee benefits	$325,000	5,835
Premises and equipment expense	$108,000	4,816
Additional noninterest expense	$218,000	4,976
Pre-tax net operating income	$161,000	5,928
Securities gains (losses)	$0	1,187
Applicable income taxes	$56,000	3,993
Income before extraordinary items	$105,000	6,321
Extraordinary gains, net	$0	22
Net income	$105,000	6,320
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	2,191
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$105,000	6,301
2006-12-31 (YTD Data)		Rank
Total interest income	$4,397,000	5,887
Total interest expense	$1,847,000	5,620
Net interest income	$2,550,000	5,970
Provision for loan and lease losses	$61,000	5,306
Total noninterest income	$776,000	4,137
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$422,000	3,418
Trading account gains and fees	$0	130
Additional Noninterest Income	$354,000	3,980
Total noninterest expense	$2,607,000	5,349
Salaries and employee benefits	$1,270,000	5,725
Premises and equipment expense	$471,000	4,440
Additional noninterest expense	$866,000	4,986
Pre-tax net operating income	$658,000	6,027
Securities gains (losses)	$0	1,687
Applicable income taxes	$225,000	4,171
Income before extraordinary items	$433,000	6,394
Extraordinary gains, net	$0	51
Net income	$433,000	6,396
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,843
Cash dividends	$140,000	5,242
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$433,000	6,396
2006-09-30 (YTD Data)		Rank
Total interest income	$3,191,000	5,987
Total interest expense	$1,307,000	5,698
Net interest income	$1,884,000	6,076
Provision for loan and lease losses	$52,000	5,016
Total noninterest income	$570,000	4,181
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$308,000	3,507
Trading account gains and fees	$0	126
Additional Noninterest Income	$262,000	4,008
Total noninterest expense	$1,923,000	5,384
Salaries and employee benefits	$945,000	5,719
Premises and equipment expense	$343,000	4,521
Additional noninterest expense	$635,000	5,030
Pre-tax net operating income	$479,000	6,306
Securities gains (losses)	$0	1,388
Applicable income taxes	$160,000	4,408
Income before extraordinary items	$319,000	6,627
Extraordinary gains, net	$0	45
Net income	$319,000	6,627
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	7,863
Cash dividends	$100,000	4,724
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$319,000	6,630
2006-06-30 (YTD Data)		Rank
Total interest income	$2,061,000	6,041
Total interest expense	$822,000	5,739
Net interest income	$1,239,000	6,141
Provision for loan and lease losses	$42,000	4,660
Total noninterest income	$383,000	4,152
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$201,000	3,534
Trading account gains and fees	$0	126
Additional Noninterest Income	$182,000	3,923
Total noninterest expense	$1,257,000	5,461
Salaries and employee benefits	$619,000	5,797
Premises and equipment expense	$219,000	4,657
Additional noninterest expense	$419,000	5,048
Pre-tax net operating income	$323,000	6,313
Securities gains (losses)	$0	1,185
Applicable income taxes	$117,000	4,338
Income before extraordinary items	$206,000	6,715
Extraordinary gains, net	$0	39
Net income	$206,000	6,716
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	7,940
Cash dividends	$60,000	4,692
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$206,000	6,720
2006-03-31 (YTD Data)		Rank
Total interest income	$986,000	6,127
Total interest expense	$394,000	5,745
Net interest income	$592,000	6,272
Provision for loan and lease losses	$31,000	3,804
Total noninterest income	$196,000	4,032
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$95,000	3,588
Trading account gains and fees	$0	115
Additional Noninterest Income	$101,000	3,683
Total noninterest expense	$585,000	5,701
Salaries and employee benefits	$306,000	5,868
Premises and equipment expense	$109,000	4,692
Additional noninterest expense	$170,000	5,688
Pre-tax net operating income	$172,000	6,137
Securities gains (losses)	$0	955
Applicable income taxes	$56,000	4,357
Income before extraordinary items	$116,000	6,470
Extraordinary gains, net	$0	21
Net income	$116,000	6,470
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	8,005
Cash dividends	$30,000	3,739
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$116,000	6,472
2005-12-31 (YTD Data)		Rank
Total interest income	$3,508,000	6,178
Total interest expense	$1,223,000	5,765
Net interest income	$2,285,000	6,281
Provision for loan and lease losses	$198,000	3,618
Total noninterest income	$712,000	4,324
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$422,000	3,439
Trading account gains and fees	$0	138
Additional Noninterest Income	$290,000	4,412
Total noninterest expense	$2,514,000	5,364
Salaries and employee benefits	$1,363,000	5,376
Premises and equipment expense	$414,000	4,753
Additional noninterest expense	$737,000	5,450
Pre-tax net operating income	$285,000	7,446
Securities gains (losses)	$50,000	924
Applicable income taxes	$116,000	5,243
Income before extraordinary items	$219,000	7,502
Extraordinary gains, net	$0	46
Net income	$219,000	7,506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$116,000	3,121
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$186,500	7,615
2005-09-30 (YTD Data)		Rank
Total interest income	$2,565,000	6,243
Total interest expense	$860,000	5,832
Net interest income	$1,705,000	6,329
Provision for loan and lease losses	$150,000	3,463
Total noninterest income	$525,000	4,406
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$320,000	3,417
Trading account gains and fees	$0	126
Additional Noninterest Income	$205,000	4,560
Total noninterest expense	$1,935,000	5,249
Salaries and employee benefits	$1,064,000	5,216
Premises and equipment expense	$308,000	4,750
Additional noninterest expense	$563,000	5,322
Pre-tax net operating income	$145,000	7,847
Securities gains (losses)	$50,000	878
Applicable income taxes	$61,000	5,651
Income before extraordinary items	$134,000	7,783
Extraordinary gains, net	$0	35
Net income	$134,000	7,784
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	3,028
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$99,500	7,938
2005-06-30 (YTD Data)		Rank
Total interest income	$1,632,000	6,326
Total interest expense	$521,000	5,930
Net interest income	$1,111,000	6,392
Provision for loan and lease losses	$113,000	3,193
Total noninterest income	$330,000	4,536
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$212,000	3,367
Trading account gains and fees	$0	116
Additional Noninterest Income	$118,000	4,849
Total noninterest expense	$1,333,000	5,131
Salaries and employee benefits	$723,000	5,137
Premises and equipment expense	$202,000	4,786
Additional noninterest expense	$408,000	5,022
Pre-tax net operating income	$-5,000	8,365
Securities gains (losses)	$38,000	887
Applicable income taxes	$15,000	6,238
Income before extraordinary items	$18,000	8,294
Extraordinary gains, net	$0	30
Net income	$18,000	8,294
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	2,400
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$-6,320	8,360
2005-03-31 (YTD Data)		Rank
Total interest income	$756,000	6,542
Total interest expense	$235,000	6,135
Net interest income	$521,000	6,611
Provision for loan and lease losses	$44,000	3,508
Total noninterest income	$153,000	4,660
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$95,000	3,552
Trading account gains and fees	$0	115
Additional Noninterest Income	$58,000	4,849
Total noninterest expense	$640,000	5,289
Salaries and employee benefits	$361,000	5,172
Premises and equipment expense	$96,000	5,017
Additional noninterest expense	$183,000	5,373
Pre-tax net operating income	$-10,000	8,475
Securities gains (losses)	$0	1,685
Applicable income taxes	$2,000	6,630
Income before extraordinary items	$-12,000	8,501
Extraordinary gains, net	$0	24
Net income	$-12,000	8,501
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	3,734
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-12,000	8,477
2004-12-31 (YTD Data)		Rank
Total interest income	$2,985,000	6,433
Total interest expense	$807,000	6,235
Net interest income	$2,178,000	6,401
Provision for loan and lease losses	$168,000	4,049
Total noninterest income	$556,000	5,009
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$443,000	3,417
Trading account gains and fees	$0	138
Additional Noninterest Income	$113,000	6,209
Total noninterest expense	$2,418,000	5,414
Salaries and employee benefits	$1,260,000	5,542
Premises and equipment expense	$332,000	5,390
Additional noninterest expense	$826,000	4,984
Pre-tax net operating income	$148,000	7,952
Securities gains (losses)	$208,000	809
Applicable income taxes	$126,000	5,286
Income before extraordinary items	$230,000	7,501
Extraordinary gains, net	$0	34
Net income	$230,000	7,501
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,046
Cash dividends	$125,000	5,305
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$94,800	8,073
2004-09-30 (YTD Data)		Rank
Total interest income	$2,257,000	6,422
Total interest expense	$612,000	6,197
Net interest income	$1,645,000	6,393
Provision for loan and lease losses	$135,000	3,719
Total noninterest income	$415,000	5,042
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$335,000	3,423
Trading account gains and fees	$0	134
Additional Noninterest Income	$80,000	6,308
Total noninterest expense	$1,777,000	5,447
Salaries and employee benefits	$938,000	5,523
Premises and equipment expense	$220,000	5,708
Additional noninterest expense	$619,000	4,955
Pre-tax net operating income	$148,000	7,919
Securities gains (losses)	$208,000	749
Applicable income taxes	$118,000	5,155
Income before extraordinary items	$238,000	7,261
Extraordinary gains, net	$0	26
Net income	$238,000	7,262
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	4,322
Cash dividends	$125,000	4,444
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$98,640	8,028
2004-06-30 (YTD Data)		Rank
Total interest income	$1,542,000	6,379
Total interest expense	$414,000	6,197
Net interest income	$1,128,000	6,334
Provision for loan and lease losses	$86,000	3,821
Total noninterest income	$260,000	5,185
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$214,000	3,491
Trading account gains and fees	$0	130
Additional Noninterest Income	$46,000	6,590
Total noninterest expense	$1,165,000	5,530
Salaries and employee benefits	$626,000	5,556
Premises and equipment expense	$143,000	5,814
Additional noninterest expense	$396,000	5,101
Pre-tax net operating income	$137,000	7,651
Securities gains (losses)	$155,000	771
Applicable income taxes	$98,000	4,866
Income before extraordinary items	$194,000	6,961
Extraordinary gains, net	$0	21
Net income	$194,000	6,961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	3,843
Cash dividends	$75,000	4,419
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$91,700	7,805
2004-03-31 (YTD Data)		Rank
Total interest income	$776,000	6,378
Total interest expense	$210,000	6,211
Net interest income	$566,000	6,334
Provision for loan and lease losses	$39,000	3,783
Total noninterest income	$124,000	5,242
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$105,000	3,460
Trading account gains and fees	$0	121
Additional Noninterest Income	$19,000	6,892
Total noninterest expense	$605,000	5,427
Salaries and employee benefits	$300,000	5,732
Premises and equipment expense	$69,000	5,921
Additional noninterest expense	$236,000	4,505
Pre-tax net operating income	$46,000	7,970
Securities gains (losses)	$155,000	610
Applicable income taxes	$68,000	4,390
Income before extraordinary items	$133,000	6,286
Extraordinary gains, net	$0	16
Net income	$133,000	6,285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,591
Cash dividends	$25,000	3,626
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$30,700	8,083
2003-12-31 (YTD Data)		Rank
Total interest income	$3,477,000	6,060
Total interest expense	$1,033,000	6,021
Net interest income	$2,444,000	5,981
Provision for loan and lease losses	$197,000	4,063
Total noninterest income	$567,000	5,115
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$454,000	3,350
Trading account gains and fees	$0	160
Additional Noninterest Income	$113,000	6,329
Total noninterest expense	$2,301,000	5,522
Salaries and employee benefits	$1,072,000	6,016
Premises and equipment expense	$299,000	5,671
Additional noninterest expense	$930,000	4,514
Pre-tax net operating income	$513,000	6,633
Securities gains (losses)	$117,000	1,751
Applicable income taxes	$210,000	4,857
Income before extraordinary items	$420,000	6,713
Extraordinary gains, net	$0	54
Net income	$420,000	6,718
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,591
Cash dividends	$150,000	5,213
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$341,610	6,933
2003-09-30 (YTD Data)		Rank
Total interest income	$2,609,000	6,139
Total interest expense	$806,000	6,053
Net interest income	$1,803,000	6,050
Provision for loan and lease losses	$129,000	4,241
Total noninterest income	$422,000	5,169
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$331,000	3,426
Trading account gains and fees	$0	153
Additional Noninterest Income	$91,000	6,249
Total noninterest expense	$1,717,000	5,512
Salaries and employee benefits	$755,000	6,214
Premises and equipment expense	$233,000	5,546
Additional noninterest expense	$729,000	4,346
Pre-tax net operating income	$379,000	6,803
Securities gains (losses)	$94,000	1,810
Applicable income taxes	$157,000	5,031
Income before extraordinary items	$316,000	6,861
Extraordinary gains, net	$0	40
Net income	$316,000	6,862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	5,484
Cash dividends	$100,000	4,694
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$253,020	7,073
2003-06-30 (YTD Data)		Rank
Total interest income	$1,730,000	6,188
Total interest expense	$553,000	6,090
Net interest income	$1,177,000	6,129
Provision for loan and lease losses	$101,000	3,832
Total noninterest income	$275,000	5,211
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$212,000	3,487
Trading account gains and fees	$0	150
Additional Noninterest Income	$63,000	6,165
Total noninterest expense	$1,151,000	5,488
Salaries and employee benefits	$498,000	6,284
Premises and equipment expense	$158,000	5,480
Additional noninterest expense	$495,000	4,282
Pre-tax net operating income	$200,000	7,216
Securities gains (losses)	$94,000	1,557
Applicable income taxes	$96,000	5,195
Income before extraordinary items	$198,000	6,982
Extraordinary gains, net	$0	30
Net income	$198,000	6,985
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	4,731
Cash dividends	$50,000	4,732
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$135,020	7,423
2003-03-31 (YTD Data)		Rank
Total interest income	$866,000	6,219
Total interest expense	$291,000	6,030
Net interest income	$575,000	6,191
Provision for loan and lease losses	$49,000	3,737
Total noninterest income	$131,000	5,233
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$98,000	3,600
Trading account gains and fees	$0	134
Additional Noninterest Income	$33,000	6,044
Total noninterest expense	$591,000	5,394
Salaries and employee benefits	$248,000	6,282
Premises and equipment expense	$91,000	5,012
Additional noninterest expense	$252,000	4,193
Pre-tax net operating income	$66,000	7,733
Securities gains (losses)	$72,000	1,188
Applicable income taxes	$59,000	4,866
Income before extraordinary items	$79,000	7,311
Extraordinary gains, net	$0	21
Net income	$79,000	7,312
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	3,694
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$32,920	8,099
2002-12-31 (YTD Data)		Rank
Total interest income	$3,441,000	6,392
Total interest expense	$1,267,000	6,264
Net interest income	$2,174,000	6,370
Provision for loan and lease losses	$150,000	4,907
Total noninterest income	$538,000	5,015
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$430,000	3,356
Trading account gains and fees	$0	153
Additional Noninterest Income	$108,000	6,289
Total noninterest expense	$2,151,000	5,606
Salaries and employee benefits	$945,000	6,330
Premises and equipment expense	$254,000	6,082
Additional noninterest expense	$952,000	4,345
Pre-tax net operating income	$411,000	7,115
Securities gains (losses)	$36,000	2,681
Applicable income taxes	$-47,000	8,982
Income before extraordinary items	$494,000	6,432
Extraordinary gains, net	$0	70
Net income	$494,000	6,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	4,530
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$458,000	6,455
2001-12-31 (YTD Data)		Rank
Total interest income	$3,571,000	6,713
Total interest expense	$1,994,000	6,110
Net interest income	$1,577,000	7,195
Provision for loan and lease losses	$64,000	6,300
Total noninterest income	$449,000	5,374
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$345,000	3,802
Trading account gains and fees	$0	177
Additional Noninterest Income	$104,000	6,355
Total noninterest expense	$1,758,000	6,224
Salaries and employee benefits	$727,000	7,083
Premises and equipment expense	$260,000	5,966
Additional noninterest expense	$771,000	4,915
Pre-tax net operating income	$204,000	7,855
Securities gains (losses)	$5,000	3,927
Applicable income taxes	$0	7,903
Income before extraordinary items	$209,000	7,662
Extraordinary gains, net	$0	105
Net income	$209,000	7,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,017
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$204,000	7,578
2000-12-31 (YTD Data)		Rank
Total interest income	$2,892,000	7,523
Total interest expense	$1,790,000	6,608
Net interest income	$1,102,000	8,279
Provision for loan and lease losses	$52,000	6,478
Total noninterest income	$295,000	6,346
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$227,000	4,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	7,243
Total noninterest expense	$1,504,000	6,741
Salaries and employee benefits	$671,000	7,331
Premises and equipment expense	$222,000	6,429
Additional noninterest expense	$611,000	5,714
Pre-tax net operating income	$-159,000	9,306
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$0	8,362
Income before extraordinary items	$-158,000	9,331
Extraordinary gains, net	$0	38
Net income	$-158,000	9,329
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	5,922
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-159,000	9,332
1999-12-31 (YTD Data)		Rank
Total interest income	$2,664,000	7,728
Total interest expense	$1,773,000	6,410
Net interest income	$891,000	8,863
Provision for loan and lease losses	$133,000	4,539
Total noninterest income	$163,000	7,940
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	6,298
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	8,414
Total noninterest expense	$1,064,000	7,940
Salaries and employee benefits	$506,000	8,313
Premises and equipment expense	$188,000	6,999
Additional noninterest expense	$370,000	7,541
Pre-tax net operating income	$-143,000	9,572
Securities gains (losses)	$-1,000	8,592
Applicable income taxes	$0	8,765
Income before extraordinary items	$-144,000	9,622
Extraordinary gains, net	$-27,000	10,169
Net income	$-171,000	9,650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,179
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-143,000	9,595
1998-12-31 (YTD Data)		Rank
Total interest income	$573,000	10,180
Total interest expense	$428,000	9,848
Net interest income	$145,000	10,343
Provision for loan and lease losses	$140,000	4,320
Total noninterest income	$17,000	10,241
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$10,000	8,868
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	10,104
Total noninterest expense	$475,000	9,865
Salaries and employee benefits	$191,000	10,146
Premises and equipment expense	$66,000	9,435
Additional noninterest expense	$218,000	8,920
Pre-tax net operating income	$-453,000	10,159
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$-453,000	10,206
Extraordinary gains, net	$0	32
Net income	$-453,000	10,204
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	$4,986,000	241
Net operating income	$-453,000	10,177

* 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.