Home > Security Bank of Gwinnett County > Income and Expense
Security Bank of Gwinnett County, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,840,000 | 4,875 |
| Total interest expense | $5,897,000 | 1,112 |
| Net interest income | $-3,057,000 | 8,193 |
| Provision for loan and lease losses | $22,267,000 | 264 |
| Total noninterest income | $-3,621,000 | 8,176 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $20,000 | 6,708 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-3,641,000 | 8,179 |
| Total noninterest expense | $4,351,000 | 2,307 |
| Salaries and employee benefits | $818,000 | 5,033 |
| Premises and equipment expense | $168,000 | 5,505 |
| Additional noninterest expense | $3,365,000 | 1,139 |
| Pre-tax net operating income | $-33,296,000 | 8,068 |
| Securities gains (losses) | $242,000 | 901 |
| Applicable income taxes | $135,000 | 2,366 |
| Income before extraordinary items | $-33,189,000 | 8,084 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-33,189,000 | 8,082 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-33,189,000 | 8,083 |
| Net charge-offs | $21,714,000 | 224 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 951 |
| Net operating income | $-33,431,000 | 8,084 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,833,000 | 4,184 |
| Total interest expense | $3,213,000 | 1,077 |
| Net interest income | $-1,380,000 | 8,244 |
| Provision for loan and lease losses | $4,679,000 | 420 |
| Total noninterest income | $-827,000 | 8,210 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $18,000 | 6,172 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-845,000 | 8,214 |
| Total noninterest expense | $1,791,000 | 2,694 |
| Salaries and employee benefits | $408,000 | 5,082 |
| Premises and equipment expense | $91,000 | 5,354 |
| Additional noninterest expense | $1,292,000 | 1,277 |
| Pre-tax net operating income | $-8,677,000 | 8,097 |
| Securities gains (losses) | $295,000 | 508 |
| Applicable income taxes | $136,000 | 1,867 |
| Income before extraordinary items | $-8,518,000 | 8,110 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-8,518,000 | 8,110 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-8,518,000 | 8,110 |
| Net charge-offs | $5,041,000 | 317 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 842 |
| Net operating income | $-8,813,000 | 8,113 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,632,000 | 2,711 |
| Total interest expense | $14,506,000 | 1,120 |
| Net interest income | $-874,000 | 8,305 |
| Provision for loan and lease losses | $22,416,000 | 346 |
| Total noninterest income | $-2,631,000 | 8,275 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $26,000 | 6,965 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-2,657,000 | 8,288 |
| Total noninterest expense | $32,121,000 | 617 |
| Salaries and employee benefits | $1,909,000 | 4,623 |
| Premises and equipment expense | $357,000 | 5,384 |
| Additional noninterest expense | $29,855,000 | 304 |
| Pre-tax net operating income | $-58,042,000 | 8,208 |
| Securities gains (losses) | $90,000 | 1,208 |
| Applicable income taxes | $-924,000 | 7,681 |
| Income before extraordinary items | $-57,028,000 | 8,196 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-57,028,000 | 8,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,455,000 | 301 |
| Cash dividends | $1,000,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 1,124 |
| Net operating income | $-57,116,200 | 8,206 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,939,000 | 2,589 |
| Total interest expense | $11,029,000 | 1,150 |
| Net interest income | $-90,000 | 8,381 |
| Provision for loan and lease losses | $22,416,000 | 226 |
| Total noninterest income | $-1,458,000 | 8,352 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $15,000 | 7,089 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-1,473,000 | 8,363 |
| Total noninterest expense | $30,499,000 | 494 |
| Salaries and employee benefits | $1,517,000 | 4,429 |
| Premises and equipment expense | $265,000 | 5,438 |
| Additional noninterest expense | $28,717,000 | 235 |
| Pre-tax net operating income | $-54,463,000 | 8,334 |
| Securities gains (losses) | $28,000 | 1,801 |
| Applicable income taxes | $-10,565,000 | 8,313 |
| Income before extraordinary items | $-43,870,000 | 8,315 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-43,870,000 | 8,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,563,000 | 306 |
| Cash dividends | $1,000,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 1,002 |
| Net operating income | $-43,892,680 | 8,325 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,397,000 | 2,579 |
| Total interest expense | $7,494,000 | 1,167 |
| Net interest income | $-97,000 | 8,446 |
| Provision for loan and lease losses | $15,015,000 | 201 |
| Total noninterest income | $-1,000,000 | 8,431 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $12,000 | 7,080 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-1,012,000 | 8,441 |
| Total noninterest expense | $28,830,000 | 373 |
| Salaries and employee benefits | $1,039,000 | 4,391 |
| Premises and equipment expense | $181,000 | 5,411 |
| Additional noninterest expense | $27,610,000 | 182 |
| Pre-tax net operating income | $-44,942,000 | 8,412 |
| Securities gains (losses) | $28,000 | 1,831 |
| Applicable income taxes | $-6,989,000 | 8,391 |
| Income before extraordinary items | $-37,925,000 | 8,407 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-37,925,000 | 8,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,318,000 | 338 |
| Cash dividends | $1,000,000 | 1,384 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 900 |
| Net operating income | $-37,948,520 | 8,406 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,132,000 | 2,413 |
| Total interest expense | $3,882,000 | 1,199 |
| Net interest income | $250,000 | 7,741 |
| Provision for loan and lease losses | $9,546,000 | 160 |
| Total noninterest income | $64,000 | 6,259 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $6,000 | 7,087 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $58,000 | 4,758 |
| Total noninterest expense | $1,444,000 | 3,175 |
| Salaries and employee benefits | $540,000 | 4,281 |
| Premises and equipment expense | $94,000 | 5,338 |
| Additional noninterest expense | $810,000 | 1,756 |
| Pre-tax net operating income | $-10,676,000 | 8,453 |
| Securities gains (losses) | $28,000 | 1,404 |
| Applicable income taxes | $-3,846,000 | 8,448 |
| Income before extraordinary items | $-6,802,000 | 8,439 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-6,802,000 | 8,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,902,000 | 302 |
| Cash dividends | $1,000,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 784 |
| Net operating income | $-6,819,920 | 8,437 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $27,359,000 | 1,574 |
| Total interest expense | $16,204,000 | 1,230 |
| Net interest income | $11,155,000 | 2,036 |
| Provision for loan and lease losses | $2,084,000 | 819 |
| Total noninterest income | $-428,000 | 8,513 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $31,000 | 7,007 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $-459,000 | 8,521 |
| Total noninterest expense | $4,755,000 | 3,582 |
| Salaries and employee benefits | $2,313,000 | 3,937 |
| Premises and equipment expense | $384,000 | 5,147 |
| Additional noninterest expense | $2,058,000 | 2,596 |
| Pre-tax net operating income | $3,888,000 | 2,031 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,405,000 | 1,475 |
| Income before extraordinary items | $2,483,000 | 2,383 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,483,000 | 2,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,403,000 | 787 |
| Cash dividends | $850,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,483,000 | 2,370 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,066,000 | 1,538 |
| Total interest expense | $12,063,000 | 1,240 |
| Net interest income | $9,003,000 | 1,902 |
| Provision for loan and lease losses | $330,000 | 2,168 |
| Total noninterest income | $191,000 | 6,395 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $22,000 | 7,063 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $169,000 | 4,842 |
| Total noninterest expense | $3,636,000 | 3,512 |
| Salaries and employee benefits | $1,935,000 | 3,621 |
| Premises and equipment expense | $295,000 | 5,067 |
| Additional noninterest expense | $1,406,000 | 2,766 |
| Pre-tax net operating income | $5,228,000 | 1,307 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,919,000 | 996 |
| Income before extraordinary items | $3,309,000 | 1,524 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,309,000 | 1,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $880,000 | 710 |
| Cash dividends | $850,000 | 2,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,309,000 | 1,520 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,703,000 | 1,588 |
| Total interest expense | $7,728,000 | 1,298 |
| Net interest income | $5,975,000 | 1,935 |
| Provision for loan and lease losses | $330,000 | 1,431 |
| Total noninterest income | $106,000 | 6,756 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $6,000 | 7,346 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $100,000 | 5,125 |
| Total noninterest expense | $2,377,000 | 3,595 |
| Salaries and employee benefits | $1,303,000 | 3,633 |
| Premises and equipment expense | $193,000 | 5,138 |
| Additional noninterest expense | $881,000 | 2,934 |
| Pre-tax net operating income | $3,374,000 | 1,390 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,246,000 | 1,073 |
| Income before extraordinary items | $2,128,000 | 1,630 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,128,000 | 1,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 1,654 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,128,000 | 1,616 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,696,000 | 1,624 |
| Total interest expense | $3,677,000 | 1,349 |
| Net interest income | $3,019,000 | 1,912 |
| Provision for loan and lease losses | $180,000 | 1,262 |
| Total noninterest income | $55,000 | 6,682 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $4,000 | 7,300 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $51,000 | 5,068 |
| Total noninterest expense | $1,163,000 | 3,659 |
| Salaries and employee benefits | $690,000 | 3,497 |
| Premises and equipment expense | $89,000 | 5,403 |
| Additional noninterest expense | $384,000 | 3,279 |
| Pre-tax net operating income | $1,731,000 | 1,352 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $663,000 | 1,027 |
| Income before extraordinary items | $1,068,000 | 1,613 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,068,000 | 1,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,068,000 | 1,599 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,463,000 | 3,457 |
| Total interest expense | $5,565,000 | 2,768 |
| Net interest income | $4,898,000 | 4,064 |
| Provision for loan and lease losses | $315,000 | 2,676 |
| Total noninterest income | $81,000 | 7,931 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,000 | 7,567 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $79,000 | 6,691 |
| Total noninterest expense | $1,577,000 | 6,767 |
| Salaries and employee benefits | $875,000 | 6,737 |
| Premises and equipment expense | $194,000 | 6,790 |
| Additional noninterest expense | $508,000 | 6,501 |
| Pre-tax net operating income | $3,087,000 | 2,722 |
| Securities gains (losses) | $-184,000 | 8,367 |
| Applicable income taxes | $1,123,000 | 2,041 |
| Income before extraordinary items | $1,780,000 | 3,380 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,780,000 | 3,379 |
| 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 | $0 | 1,251 |
| Net operating income | $1,897,760 | 3,199 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,970,000 | 5,398 |
| Total interest expense | $2,089,000 | 4,423 |
| Net interest income | $1,881,000 | 6,082 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $41,000 | 8,265 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,000 | 7,639 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $40,000 | 7,204 |
| Total noninterest expense | $596,000 | 8,026 |
| Salaries and employee benefits | $323,000 | 8,068 |
| Premises and equipment expense | $72,000 | 7,878 |
| Additional noninterest expense | $201,000 | 7,778 |
| Pre-tax net operating income | $1,326,000 | 4,060 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $503,000 | 2,865 |
| Income before extraordinary items | $823,000 | 4,629 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $823,000 | 4,633 |
| 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 | $0 | 1,045 |
| Net operating income | $823,000 | 4,627 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,141,000 | 1,923 |
| Total interest expense | $5,110,000 | 1,523 |
| Net interest income | $5,031,000 | 2,318 |
| Provision for loan and lease losses | $745,000 | 683 |
| Total noninterest income | $15,000 | 8,481 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $9,000 | 7,424 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,317 |
| Total noninterest expense | $1,609,000 | 4,657 |
| Salaries and employee benefits | $962,000 | 4,380 |
| Premises and equipment expense | $200,000 | 4,932 |
| Additional noninterest expense | $447,000 | 4,842 |
| Pre-tax net operating income | $2,692,000 | 1,838 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,008,000 | 1,392 |
| Income before extraordinary items | $1,684,000 | 2,134 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,684,000 | 2,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,541 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $324,000 | 374 |
| Net operating income | $1,684,000 | 2,115 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,590,000 | 2,049 |
| Total interest expense | $2,245,000 | 1,642 |
| Net interest income | $2,345,000 | 2,440 |
| Provision for loan and lease losses | $390,000 | 622 |
| Total noninterest income | $6,000 | 8,542 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $6,000 | 7,374 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,611 |
| Total noninterest expense | $736,000 | 4,966 |
| Salaries and employee benefits | $453,000 | 4,613 |
| Premises and equipment expense | $99,000 | 4,994 |
| Additional noninterest expense | $184,000 | 5,434 |
| Pre-tax net operating income | $1,225,000 | 1,937 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $455,000 | 1,499 |
| Income before extraordinary items | $770,000 | 2,272 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $770,000 | 2,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 856 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 245 |
| Net operating income | $770,000 | 2,248 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,687,000 | 2,767 |
| Total interest expense | $5,274,000 | 2,094 |
| Net interest income | $6,413,000 | 3,247 |
| Provision for loan and lease losses | $1,025,000 | 1,024 |
| Total noninterest income | $22,000 | 8,591 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $22,000 | 7,444 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,688 |
| Total noninterest expense | $2,374,000 | 5,537 |
| Salaries and employee benefits | $1,377,000 | 5,350 |
| Premises and equipment expense | $354,000 | 5,243 |
| Additional noninterest expense | $643,000 | 5,831 |
| Pre-tax net operating income | $3,036,000 | 2,729 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,133,000 | 2,093 |
| Income before extraordinary items | $1,903,000 | 3,221 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,903,000 | 3,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $7,740,000 | 241 |
| Net operating income | $1,903,000 | 3,187 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,845,000 | 2,980 |
| Total interest expense | $3,455,000 | 2,242 |
| Net interest income | $4,390,000 | 3,485 |
| Provision for loan and lease losses | $875,000 | 864 |
| Total noninterest income | $14,000 | 8,675 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,540 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,723 |
| Total noninterest expense | $1,625,000 | 5,801 |
| Salaries and employee benefits | $938,000 | 5,633 |
| Premises and equipment expense | $259,000 | 5,326 |
| Additional noninterest expense | $428,000 | 6,175 |
| Pre-tax net operating income | $1,904,000 | 3,157 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $722,000 | 2,349 |
| Income before extraordinary items | $1,182,000 | 3,696 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,182,000 | 3,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $7,615,000 | 171 |
| Net operating income | $1,182,000 | 3,663 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,580,000 | 3,265 |
| Total interest expense | $1,947,000 | 2,470 |
| Net interest income | $2,633,000 | 3,766 |
| Provision for loan and lease losses | $600,000 | 816 |
| Total noninterest income | $10,000 | 8,659 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $10,000 | 7,536 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $1,042,000 | 5,920 |
| Salaries and employee benefits | $597,000 | 5,763 |
| Premises and equipment expense | $169,000 | 5,376 |
| Additional noninterest expense | $276,000 | 6,241 |
| Pre-tax net operating income | $1,001,000 | 3,704 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $380,000 | 2,690 |
| Income before extraordinary items | $621,000 | 4,332 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $621,000 | 4,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $4,626,000 | 148 |
| Net operating income | $621,000 | 4,272 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,970,000 | 3,645 |
| Total interest expense | $794,000 | 2,805 |
| Net interest income | $1,176,000 | 4,127 |
| Provision for loan and lease losses | $290,000 | 817 |
| Total noninterest income | $3,000 | 8,778 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $491,000 | 6,175 |
| Salaries and employee benefits | $279,000 | 6,028 |
| Premises and equipment expense | $80,000 | 5,566 |
| Additional noninterest expense | $132,000 | 6,402 |
| Pre-tax net operating income | $398,000 | 4,291 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $152,000 | 3,074 |
| Income before extraordinary items | $246,000 | 4,914 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $246,000 | 4,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $4,417,000 | 75 |
| Net operating income | $246,000 | 4,868 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,196,000 | 5,406 |
| Total interest expense | $1,679,000 | 4,180 |
| Net interest income | $2,517,000 | 5,984 |
| Provision for loan and lease losses | $718,000 | 1,432 |
| Total noninterest income | $10,000 | 8,838 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $10,000 | 7,777 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $2,103,000 | 5,849 |
| Salaries and employee benefits | $1,321,000 | 5,381 |
| Premises and equipment expense | $248,000 | 6,209 |
| Additional noninterest expense | $534,000 | 6,353 |
| Pre-tax net operating income | $-294,000 | 8,576 |
| Securities gains (losses) | $77,000 | 1,429 |
| Applicable income taxes | $-1,100,000 | 8,938 |
| Income before extraordinary items | $883,000 | 5,025 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $883,000 | 5,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 636 |
| Net operating income | $833,720 | 5,101 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,599,000 | 6,002 |
| Total interest expense | $1,019,000 | 4,737 |
| Net interest income | $1,580,000 | 6,500 |
| Provision for loan and lease losses | $523,000 | 1,408 |
| Total noninterest income | $6,000 | 8,915 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $6,000 | 7,841 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 8,890 |
| Total noninterest expense | $1,490,000 | 5,985 |
| Salaries and employee benefits | $916,000 | 5,612 |
| Premises and equipment expense | $174,000 | 6,366 |
| Additional noninterest expense | $400,000 | 6,305 |
| Pre-tax net operating income | $-427,000 | 8,748 |
| Securities gains (losses) | $76,000 | 1,360 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-351,000 | 8,752 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-351,000 | 8,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 506 |
| Net operating income | $-427,000 | 8,760 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,428,000 | 6,610 |
| Total interest expense | $563,000 | 5,300 |
| Net interest income | $865,000 | 7,043 |
| Provision for loan and lease losses | $306,000 | 1,501 |
| Total noninterest income | $8,000 | 8,925 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $8,000 | 7,803 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $0 | 8,943 |
| Total noninterest expense | $1,063,000 | 5,802 |
| Salaries and employee benefits | $665,000 | 5,367 |
| Premises and equipment expense | $113,000 | 6,488 |
| Additional noninterest expense | $285,000 | 6,140 |
| Pre-tax net operating income | $-496,000 | 8,898 |
| Securities gains (losses) | $50,000 | 1,460 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-446,000 | 8,916 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-446,000 | 8,917 |
| 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 | $-496,000 | 8,910 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $587,000 | 7,140 |
| Total interest expense | $246,000 | 5,755 |
| Net interest income | $341,000 | 7,600 |
| Provision for loan and lease losses | $88,000 | 2,379 |
| Total noninterest income | $3,000 | 8,980 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,000 | 7,856 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $456,000 | 6,366 |
| Salaries and employee benefits | $280,000 | 5,945 |
| Premises and equipment expense | $49,000 | 6,832 |
| Additional noninterest expense | $127,000 | 6,499 |
| Pre-tax net operating income | $-200,000 | 8,909 |
| Securities gains (losses) | $50,000 | 1,193 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-150,000 | 8,907 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-150,000 | 8,907 |
| 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 | $-200,000 | 8,913 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $994,000 | 8,586 |
| Total interest expense | $632,000 | 7,292 |
| Net interest income | $362,000 | 8,945 |
| Provision for loan and lease losses | $232,000 | 3,746 |
| Total noninterest income | $103,000 | 8,274 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,000 | 8,036 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $102,000 | 6,500 |
| Total noninterest expense | $2,932,000 | 4,675 |
| Salaries and employee benefits | $1,174,000 | 5,717 |
| Premises and equipment expense | $303,000 | 5,636 |
| Additional noninterest expense | $1,455,000 | 3,170 |
| Pre-tax net operating income | $-2,699,000 | 9,109 |
| Securities gains (losses) | $-3,000 | 8,643 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-2,702,000 | 9,138 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-2,702,000 | 9,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $12,000,000 | 61 |
| Net operating income | $-2,699,000 | 9,107 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $534,000 | 8,899 |
| Total interest expense | $399,000 | 7,773 |
| Net interest income | $135,000 | 9,134 |
| Provision for loan and lease losses | $186,000 | 3,459 |
| Total noninterest income | $101,000 | 8,008 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $101,000 | 6,060 |
| Total noninterest expense | $2,409,000 | 4,384 |
| Salaries and employee benefits | $886,000 | 5,659 |
| Premises and equipment expense | $226,000 | 5,636 |
| Additional noninterest expense | $1,297,000 | 2,706 |
| Pre-tax net operating income | $-2,359,000 | 9,171 |
| Securities gains (losses) | $-3,000 | 8,827 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-2,362,000 | 9,204 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-2,362,000 | 9,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $12,000,000 | 43 |
| Net operating income | $-2,359,000 | 9,170 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $216,000 | 9,116 |
| Total interest expense | $195,000 | 8,369 |
| Net interest income | $21,000 | 9,236 |
| Provision for loan and lease losses | $33,000 | 5,678 |
| Total noninterest income | $1,000 | 9,203 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,000 | 9,074 |
| Total noninterest expense | $1,975,000 | 3,732 |
| Salaries and employee benefits | $690,000 | 5,136 |
| Premises and equipment expense | $148,000 | 5,696 |
| Additional noninterest expense | $1,137,000 | 2,103 |
| Pre-tax net operating income | $-1,986,000 | 9,215 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-1,986,000 | 9,247 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,986,000 | 9,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $12,000,000 | 31 |
| Net operating income | $-1,986,000 | 9,218 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $74,000 | 9,212 |
| Total interest expense | $13,000 | 9,205 |
| Net interest income | $61,000 | 9,192 |
| Provision for loan and lease losses | $11,000 | 6,010 |
| Total noninterest income | $0 | 9,248 |
| 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 | $0 | 9,145 |
| Total noninterest expense | $1,517,000 | 2,550 |
| Salaries and employee benefits | $421,000 | 4,463 |
| Premises and equipment expense | $80,000 | 5,448 |
| Additional noninterest expense | $1,016,000 | 1,205 |
| Pre-tax net operating income | $-1,467,000 | 9,276 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-1,467,000 | 9,295 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,467,000 | 9,294 |
| 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 | $12,000,000 | 14 |
| Net operating income | $-1,467,000 | 9,273 |
* 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.