Home > Sapelo National Bank > Income and Expense
Sapelo National Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,376,000 | 5,844 |
| Total interest expense | $921,000 | 6,516 |
| Net interest income | $2,455,000 | 5,312 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $344,000 | 5,334 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $275,000 | 3,740 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $69,000 | 6,456 |
| Total noninterest expense | $1,904,000 | 5,422 |
| Salaries and employee benefits | $995,000 | 5,567 |
| Premises and equipment expense | $246,000 | 5,529 |
| Additional noninterest expense | $663,000 | 4,897 |
| Pre-tax net operating income | $805,000 | 5,216 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $274,000 | 3,703 |
| Income before extraordinary items | $531,000 | 5,639 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $531,000 | 5,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,411 |
| Cash dividends | $150,000 | 4,430 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 711 |
| Net operating income | $531,000 | 5,634 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,171,000 | 5,924 |
| Total interest expense | $566,000 | 6,612 |
| Net interest income | $1,605,000 | 5,392 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $218,000 | 5,453 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $174,000 | 3,822 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $44,000 | 6,558 |
| Total noninterest expense | $1,240,000 | 5,505 |
| Salaries and employee benefits | $660,000 | 5,611 |
| Premises and equipment expense | $170,000 | 5,423 |
| Additional noninterest expense | $410,000 | 5,122 |
| Pre-tax net operating income | $523,000 | 5,306 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $178,000 | 3,770 |
| Income before extraordinary items | $345,000 | 5,718 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $345,000 | 5,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,602 |
| Cash dividends | $150,000 | 3,976 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 642 |
| Net operating income | $345,000 | 5,718 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,036,000 | 6,014 |
| Total interest expense | $277,000 | 6,568 |
| Net interest income | $759,000 | 5,573 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $112,000 | 5,362 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $88,000 | 3,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,429 |
| Total noninterest expense | $599,000 | 5,638 |
| Salaries and employee benefits | $320,000 | 5,737 |
| Premises and equipment expense | $84,000 | 5,502 |
| Additional noninterest expense | $195,000 | 5,258 |
| Pre-tax net operating income | $242,000 | 5,443 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $83,000 | 3,847 |
| Income before extraordinary items | $159,000 | 5,830 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $159,000 | 5,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,786 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 409 |
| Net operating income | $159,000 | 5,833 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,794,000 | 5,979 |
| Total interest expense | $1,038,000 | 6,200 |
| Net interest income | $2,756,000 | 5,771 |
| Provision for loan and lease losses | $108,000 | 4,712 |
| Total noninterest income | $683,000 | 4,453 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $468,000 | 3,189 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $215,000 | 5,025 |
| Total noninterest expense | $2,410,000 | 5,491 |
| Salaries and employee benefits | $1,257,000 | 5,636 |
| Premises and equipment expense | $361,000 | 5,186 |
| Additional noninterest expense | $792,000 | 5,202 |
| Pre-tax net operating income | $921,000 | 5,580 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $302,000 | 4,121 |
| Income before extraordinary items | $619,000 | 5,933 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $619,000 | 5,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,316 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 813 |
| Net operating income | $619,000 | 5,908 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,654,000 | 6,151 |
| Total interest expense | $714,000 | 6,311 |
| Net interest income | $1,940,000 | 5,975 |
| Provision for loan and lease losses | $83,000 | 4,565 |
| Total noninterest income | $551,000 | 4,264 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $370,000 | 3,075 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $181,000 | 4,822 |
| Total noninterest expense | $1,756,000 | 5,552 |
| Salaries and employee benefits | $936,000 | 5,646 |
| Premises and equipment expense | $260,000 | 5,309 |
| Additional noninterest expense | $560,000 | 5,342 |
| Pre-tax net operating income | $652,000 | 5,797 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $221,000 | 4,272 |
| Income before extraordinary items | $431,000 | 6,218 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $431,000 | 6,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,080 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 639 |
| Net operating income | $431,000 | 6,179 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,710,000 | 6,193 |
| Total interest expense | $452,000 | 6,304 |
| Net interest income | $1,258,000 | 6,041 |
| Provision for loan and lease losses | $53,000 | 4,474 |
| Total noninterest income | $375,000 | 4,200 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $269,000 | 2,845 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $106,000 | 5,067 |
| Total noninterest expense | $1,173,000 | 5,543 |
| Salaries and employee benefits | $616,000 | 5,673 |
| Premises and equipment expense | $174,000 | 5,280 |
| Additional noninterest expense | $383,000 | 5,241 |
| Pre-tax net operating income | $407,000 | 5,942 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $137,000 | 4,387 |
| Income before extraordinary items | $270,000 | 6,354 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $270,000 | 6,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,957 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 508 |
| Net operating income | $270,000 | 6,298 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $828,000 | 6,287 |
| Total interest expense | $204,000 | 6,491 |
| Net interest income | $624,000 | 6,103 |
| Provision for loan and lease losses | $17,000 | 4,817 |
| Total noninterest income | $196,000 | 4,019 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $157,000 | 2,463 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $39,000 | 5,696 |
| Total noninterest expense | $583,000 | 5,599 |
| Salaries and employee benefits | $300,000 | 5,779 |
| Premises and equipment expense | $88,000 | 5,294 |
| Additional noninterest expense | $195,000 | 5,175 |
| Pre-tax net operating income | $220,000 | 5,749 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $75,000 | 4,202 |
| Income before extraordinary items | $145,000 | 6,171 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $145,000 | 6,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,325 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $145,000 | 6,128 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,970,000 | 6,452 |
| Total interest expense | $701,000 | 6,596 |
| Net interest income | $2,269,000 | 6,287 |
| Provision for loan and lease losses | $45,000 | 6,047 |
| Total noninterest income | $658,000 | 4,573 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $528,000 | 3,013 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $130,000 | 5,966 |
| Total noninterest expense | $2,166,000 | 5,751 |
| Salaries and employee benefits | $1,127,000 | 5,897 |
| Premises and equipment expense | $317,000 | 5,515 |
| Additional noninterest expense | $722,000 | 5,417 |
| Pre-tax net operating income | $716,000 | 6,059 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $239,000 | 4,508 |
| Income before extraordinary items | $477,000 | 6,446 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $477,000 | 6,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,703 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $477,000 | 6,380 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,159,000 | 6,556 |
| Total interest expense | $538,000 | 6,509 |
| Net interest income | $1,621,000 | 6,431 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $508,000 | 4,503 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $387,000 | 3,086 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $121,000 | 5,552 |
| Total noninterest expense | $1,581,000 | 5,803 |
| Salaries and employee benefits | $816,000 | 5,955 |
| Premises and equipment expense | $224,000 | 5,655 |
| Additional noninterest expense | $541,000 | 5,396 |
| Pre-tax net operating income | $503,000 | 6,306 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $165,000 | 4,722 |
| Income before extraordinary items | $338,000 | 6,675 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $338,000 | 6,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 8,810 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $338,000 | 6,608 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,447,000 | 6,572 |
| Total interest expense | $366,000 | 6,499 |
| Net interest income | $1,081,000 | 6,454 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $357,000 | 4,375 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $268,000 | 2,964 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $89,000 | 5,394 |
| Total noninterest expense | $1,048,000 | 5,860 |
| Salaries and employee benefits | $529,000 | 6,098 |
| Premises and equipment expense | $146,000 | 5,744 |
| Additional noninterest expense | $373,000 | 5,299 |
| Pre-tax net operating income | $360,000 | 6,123 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $115,000 | 4,662 |
| Income before extraordinary items | $245,000 | 6,491 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $245,000 | 6,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $245,000 | 6,401 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $735,000 | 6,552 |
| Total interest expense | $189,000 | 6,483 |
| Net interest income | $546,000 | 6,445 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $156,000 | 4,677 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $135,000 | 2,893 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $21,000 | 6,731 |
| Total noninterest expense | $520,000 | 5,920 |
| Salaries and employee benefits | $258,000 | 6,227 |
| Premises and equipment expense | $72,000 | 5,806 |
| Additional noninterest expense | $190,000 | 5,256 |
| Pre-tax net operating income | $167,000 | 6,218 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $48,000 | 4,889 |
| Income before extraordinary items | $119,000 | 6,534 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $119,000 | 6,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,873 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $119,000 | 6,416 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,813,000 | 6,728 |
| Total interest expense | $910,000 | 6,384 |
| Net interest income | $1,903,000 | 6,735 |
| Provision for loan and lease losses | $81,000 | 5,616 |
| Total noninterest income | $694,000 | 4,577 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $472,000 | 3,250 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $222,000 | 5,073 |
| Total noninterest expense | $1,963,000 | 6,049 |
| Salaries and employee benefits | $1,015,000 | 6,212 |
| Premises and equipment expense | $329,000 | 5,378 |
| Additional noninterest expense | $619,000 | 5,886 |
| Pre-tax net operating income | $553,000 | 6,507 |
| Securities gains (losses) | $7,000 | 3,771 |
| Applicable income taxes | $180,000 | 5,071 |
| Income before extraordinary items | $380,000 | 6,902 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $380,000 | 6,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,866 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $375,240 | 6,769 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,094,000 | 6,823 |
| Total interest expense | $705,000 | 6,438 |
| Net interest income | $1,389,000 | 6,857 |
| Provision for loan and lease losses | $49,000 | 5,812 |
| Total noninterest income | $490,000 | 4,796 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $344,000 | 3,328 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $146,000 | 5,393 |
| Total noninterest expense | $1,439,000 | 6,092 |
| Salaries and employee benefits | $745,000 | 6,256 |
| Premises and equipment expense | $248,000 | 5,360 |
| Additional noninterest expense | $446,000 | 6,010 |
| Pre-tax net operating income | $391,000 | 6,742 |
| Securities gains (losses) | $7,000 | 3,479 |
| Applicable income taxes | $135,000 | 5,242 |
| Income before extraordinary items | $263,000 | 7,170 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $263,000 | 7,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,860 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $258,380 | 7,040 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,386,000 | 6,900 |
| Total interest expense | $481,000 | 6,504 |
| Net interest income | $905,000 | 6,933 |
| Provision for loan and lease losses | $49,000 | 5,190 |
| Total noninterest income | $332,000 | 4,723 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $219,000 | 3,403 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $113,000 | 5,110 |
| Total noninterest expense | $941,000 | 6,180 |
| Salaries and employee benefits | $491,000 | 6,330 |
| Premises and equipment expense | $162,000 | 5,400 |
| Additional noninterest expense | $288,000 | 6,104 |
| Pre-tax net operating income | $247,000 | 6,859 |
| Securities gains (losses) | $7,000 | 3,077 |
| Applicable income taxes | $82,000 | 5,386 |
| Income before extraordinary items | $172,000 | 7,233 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $172,000 | 7,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,092 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $167,240 | 7,100 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $671,000 | 7,023 |
| Total interest expense | $252,000 | 6,468 |
| Net interest income | $419,000 | 7,165 |
| Provision for loan and lease losses | $34,000 | 4,352 |
| Total noninterest income | $176,000 | 4,476 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $110,000 | 3,304 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 4,730 |
| Total noninterest expense | $457,000 | 6,297 |
| Salaries and employee benefits | $236,000 | 6,472 |
| Premises and equipment expense | $80,000 | 5,448 |
| Additional noninterest expense | $141,000 | 6,147 |
| Pre-tax net operating income | $104,000 | 7,126 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $28,000 | 5,789 |
| Income before extraordinary items | $83,000 | 7,225 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $83,000 | 7,226 |
| 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 | $77,750 | 7,201 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,859,000 | 6,992 |
| Total interest expense | $1,136,000 | 6,576 |
| Net interest income | $1,723,000 | 7,082 |
| Provision for loan and lease losses | $60,000 | 6,444 |
| Total noninterest income | $555,000 | 4,929 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $419,000 | 3,418 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $136,000 | 5,810 |
| Total noninterest expense | $1,725,000 | 6,408 |
| Salaries and employee benefits | $907,000 | 6,494 |
| Premises and equipment expense | $293,000 | 5,667 |
| Additional noninterest expense | $525,000 | 6,364 |
| Pre-tax net operating income | $493,000 | 6,786 |
| Securities gains (losses) | $13,000 | 3,457 |
| Applicable income taxes | $164,000 | 5,397 |
| Income before extraordinary items | $342,000 | 7,118 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $342,000 | 7,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,948 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $333,160 | 7,051 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,216,000 | 7,015 |
| Total interest expense | $1,434,000 | 7,113 |
| Net interest income | $1,782,000 | 6,823 |
| Provision for loan and lease losses | $156,000 | 4,697 |
| Total noninterest income | $471,000 | 5,228 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $375,000 | 3,575 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $96,000 | 6,520 |
| Total noninterest expense | $1,890,000 | 5,951 |
| Salaries and employee benefits | $928,000 | 6,256 |
| Premises and equipment expense | $274,000 | 5,820 |
| Additional noninterest expense | $688,000 | 5,354 |
| Pre-tax net operating income | $207,000 | 7,840 |
| Securities gains (losses) | $110,000 | 1,676 |
| Applicable income taxes | $103,000 | 5,970 |
| Income before extraordinary items | $214,000 | 7,631 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $214,000 | 7,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 3,171 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $139,200 | 7,989 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,076,000 | 7,342 |
| Total interest expense | $1,251,000 | 7,696 |
| Net interest income | $1,825,000 | 6,877 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $396,000 | 5,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $334,000 | 3,732 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,420 |
| Total noninterest expense | $1,834,000 | 5,991 |
| Salaries and employee benefits | $791,000 | 6,771 |
| Premises and equipment expense | $382,000 | 4,649 |
| Additional noninterest expense | $661,000 | 5,406 |
| Pre-tax net operating income | $375,000 | 7,577 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $77,000 | 6,833 |
| Income before extraordinary items | $298,000 | 7,487 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $298,000 | 7,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 779 |
| Net operating income | $298,000 | 7,491 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,922,000 | 8,587 |
| Total interest expense | $849,000 | 8,568 |
| Net interest income | $1,073,000 | 8,461 |
| Provision for loan and lease losses | $190,000 | 3,663 |
| Total noninterest income | $220,000 | 7,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,045 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,524 |
| Total noninterest expense | $1,222,000 | 7,517 |
| Salaries and employee benefits | $563,000 | 7,955 |
| Premises and equipment expense | $178,000 | 7,166 |
| Additional noninterest expense | $481,000 | 6,655 |
| Pre-tax net operating income | $-119,000 | 9,550 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-208,000 | 10,034 |
| Income before extraordinary items | $89,000 | 9,039 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $89,000 | 9,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,102 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,065,000 | 498 |
| Net operating income | $89,000 | 9,005 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,170,000 | 9,692 |
| Total interest expense | $554,000 | 9,577 |
| Net interest income | $616,000 | 9,692 |
| Provision for loan and lease losses | $54,000 | 6,469 |
| Total noninterest income | $105,000 | 8,942 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 6,853 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 10,199 |
| Total noninterest expense | $816,000 | 8,726 |
| Salaries and employee benefits | $391,000 | 9,026 |
| Premises and equipment expense | $129,000 | 8,085 |
| Additional noninterest expense | $296,000 | 8,150 |
| Pre-tax net operating income | $-149,000 | 9,956 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-149,000 | 9,995 |
| Extraordinary gains, net | $-84,000 | 10,425 |
| Net income | $-233,000 | 10,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,814 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-149,000 | 9,960 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $440,000 | 10,733 |
| Total interest expense | $172,000 | 10,700 |
| Net interest income | $268,000 | 10,717 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $28,000 | 10,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,861 |
| Total noninterest expense | $755,000 | 9,211 |
| Salaries and employee benefits | $402,000 | 9,249 |
| Premises and equipment expense | $97,000 | 9,032 |
| Additional noninterest expense | $256,000 | 8,776 |
| Pre-tax net operating income | $-529,000 | 10,751 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-529,000 | 10,763 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-529,000 | 10,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $3,694,000 | 267 |
| Net operating income | $-529,000 | 10,745 |
* 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.