Home > Security Bank of North Fulton > Income and Expense
Security Bank of North Fulton, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,928,000 | 4,780 |
| Total interest expense | $3,555,000 | 1,812 |
| Net interest income | $-627,000 | 8,189 |
| Provision for loan and lease losses | $7,159,000 | 581 |
| Total noninterest income | $-62,000 | 8,027 |
| 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 | $-82,000 | 7,945 |
| Total noninterest expense | $2,227,000 | 4,059 |
| Salaries and employee benefits | $794,000 | 5,123 |
| Premises and equipment expense | $212,000 | 4,915 |
| Additional noninterest expense | $1,221,000 | 2,772 |
| Pre-tax net operating income | $-10,075,000 | 7,923 |
| Securities gains (losses) | $307,000 | 749 |
| Applicable income taxes | $-2,245,000 | 7,917 |
| Income before extraordinary items | $-7,523,000 | 7,899 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,523,000 | 7,898 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-7,523,000 | 7,898 |
| Net charge-offs | $4,568,000 | 619 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 1,077 |
| Net operating income | $-7,759,390 | 7,913 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,794,000 | 4,245 |
| Total interest expense | $1,812,000 | 1,839 |
| Net interest income | $-18,000 | 8,234 |
| Provision for loan and lease losses | $1,178,000 | 1,071 |
| Total noninterest income | $-96,000 | 8,153 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $12,000 | 6,577 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-108,000 | 8,125 |
| Total noninterest expense | $1,029,000 | 4,228 |
| Salaries and employee benefits | $397,000 | 5,166 |
| Premises and equipment expense | $105,000 | 4,986 |
| Additional noninterest expense | $527,000 | 2,870 |
| Pre-tax net operating income | $-2,321,000 | 7,870 |
| Securities gains (losses) | $392,000 | 423 |
| Applicable income taxes | $-2,245,000 | 8,099 |
| Income before extraordinary items | $316,000 | 3,022 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $316,000 | 3,023 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $316,000 | 3,023 |
| Net charge-offs | $1,384,000 | 776 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 938 |
| Net operating income | $65,120 | 5,285 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,267,000 | 3,729 |
| Total interest expense | $6,757,000 | 2,265 |
| Net interest income | $2,510,000 | 5,900 |
| Provision for loan and lease losses | $4,407,000 | 1,099 |
| Total noninterest income | $-427,000 | 8,228 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $68,000 | 6,372 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-495,000 | 8,220 |
| Total noninterest expense | $26,158,000 | 763 |
| Salaries and employee benefits | $1,995,000 | 4,466 |
| Premises and equipment expense | $445,000 | 4,789 |
| Additional noninterest expense | $23,718,000 | 344 |
| Pre-tax net operating income | $-28,482,000 | 8,146 |
| Securities gains (losses) | $16,000 | 2,295 |
| Applicable income taxes | $1,060,000 | 1,148 |
| Income before extraordinary items | $-29,526,000 | 8,140 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-29,526,000 | 8,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,304,000 | 936 |
| Cash dividends | $250,000 | 4,276 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 1,223 |
| Net operating income | $-29,542,000 | 8,158 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,226,000 | 3,687 |
| Total interest expense | $4,953,000 | 2,398 |
| Net interest income | $2,273,000 | 5,433 |
| Provision for loan and lease losses | $3,052,000 | 893 |
| Total noninterest income | $-326,000 | 8,324 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $48,000 | 6,481 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-374,000 | 8,327 |
| Total noninterest expense | $25,151,000 | 583 |
| Salaries and employee benefits | $1,637,000 | 4,201 |
| Premises and equipment expense | $314,000 | 4,986 |
| Additional noninterest expense | $23,200,000 | 269 |
| Pre-tax net operating income | $-26,256,000 | 8,301 |
| Securities gains (losses) | $16,000 | 2,140 |
| Applicable income taxes | $-1,614,000 | 8,148 |
| Income before extraordinary items | $-24,626,000 | 8,290 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-24,626,000 | 8,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,521,000 | 718 |
| Cash dividends | $250,000 | 3,624 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 1,080 |
| Net operating income | $-24,641,040 | 8,303 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,856,000 | 3,719 |
| Total interest expense | $3,225,000 | 2,544 |
| Net interest income | $1,631,000 | 5,227 |
| Provision for loan and lease losses | $1,746,000 | 859 |
| Total noninterest income | $-206,000 | 8,405 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $31,000 | 6,533 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-237,000 | 8,407 |
| Total noninterest expense | $24,144,000 | 434 |
| Salaries and employee benefits | $1,121,000 | 4,151 |
| Premises and equipment expense | $212,000 | 4,972 |
| Additional noninterest expense | $22,811,000 | 212 |
| Pre-tax net operating income | $-24,465,000 | 8,397 |
| Securities gains (losses) | $16,000 | 2,191 |
| Applicable income taxes | $-966,000 | 8,267 |
| Income before extraordinary items | $-23,483,000 | 8,396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-23,483,000 | 8,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,515,000 | 481 |
| Cash dividends | $250,000 | 3,175 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 997 |
| Net operating income | $-23,498,360 | 8,395 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,498,000 | 3,727 |
| Total interest expense | $1,650,000 | 2,645 |
| Net interest income | $848,000 | 5,129 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $32,000 | 7,250 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $16,000 | 6,480 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $16,000 | 6,737 |
| Total noninterest expense | $1,086,000 | 3,996 |
| Salaries and employee benefits | $568,000 | 4,140 |
| Premises and equipment expense | $105,000 | 5,030 |
| Additional noninterest expense | $413,000 | 3,221 |
| Pre-tax net operating income | $-206,000 | 7,771 |
| Securities gains (losses) | $16,000 | 1,726 |
| Applicable income taxes | $-70,000 | 8,078 |
| Income before extraordinary items | $-120,000 | 7,710 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-120,000 | 7,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $250,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 877 |
| Net operating income | $-130,240 | 7,685 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,126,000 | 2,837 |
| Total interest expense | $7,697,000 | 2,401 |
| Net interest income | $6,429,000 | 3,334 |
| Provision for loan and lease losses | $1,590,000 | 1,007 |
| Total noninterest income | $154,000 | 7,097 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $80,000 | 6,301 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $74,000 | 6,637 |
| Total noninterest expense | $4,206,000 | 3,963 |
| Salaries and employee benefits | $2,133,000 | 4,181 |
| Premises and equipment expense | $403,000 | 5,006 |
| Additional noninterest expense | $1,670,000 | 3,129 |
| Pre-tax net operating income | $787,000 | 5,204 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $284,000 | 3,442 |
| Income before extraordinary items | $503,000 | 5,675 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $503,000 | 5,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,150,000 | 929 |
| Cash dividends | $700,000 | 3,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $503,000 | 5,655 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,891,000 | 2,765 |
| Total interest expense | $5,802,000 | 2,383 |
| Net interest income | $5,089,000 | 3,185 |
| Provision for loan and lease losses | $831,000 | 1,049 |
| Total noninterest income | $120,000 | 7,095 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $60,000 | 6,332 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $60,000 | 6,545 |
| Total noninterest expense | $3,131,000 | 3,967 |
| Salaries and employee benefits | $1,618,000 | 4,134 |
| Premises and equipment expense | $292,000 | 5,092 |
| Additional noninterest expense | $1,221,000 | 3,145 |
| Pre-tax net operating income | $1,247,000 | 3,857 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $474,000 | 2,598 |
| Income before extraordinary items | $773,000 | 4,425 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $773,000 | 4,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $319,000 | 1,480 |
| Cash dividends | $700,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $773,000 | 4,414 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,293,000 | 2,759 |
| Total interest expense | $3,819,000 | 2,420 |
| Net interest income | $3,474,000 | 3,148 |
| Provision for loan and lease losses | $325,000 | 1,448 |
| Total noninterest income | $80,000 | 7,121 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $46,000 | 6,201 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $34,000 | 6,824 |
| Total noninterest expense | $2,079,000 | 4,013 |
| Salaries and employee benefits | $1,111,000 | 4,074 |
| Premises and equipment expense | $192,000 | 5,156 |
| Additional noninterest expense | $776,000 | 3,276 |
| Pre-tax net operating income | $1,150,000 | 3,196 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $427,000 | 2,293 |
| Income before extraordinary items | $723,000 | 3,744 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $723,000 | 3,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 1,011 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $723,000 | 3,727 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,581,000 | 2,806 |
| Total interest expense | $1,871,000 | 2,442 |
| Net interest income | $1,710,000 | 3,178 |
| Provision for loan and lease losses | $25,000 | 4,116 |
| Total noninterest income | $39,000 | 7,151 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $21,000 | 6,298 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $18,000 | 6,767 |
| Total noninterest expense | $1,028,000 | 4,061 |
| Salaries and employee benefits | $572,000 | 4,016 |
| Premises and equipment expense | $92,000 | 5,299 |
| Additional noninterest expense | $364,000 | 3,427 |
| Pre-tax net operating income | $696,000 | 2,814 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $272,000 | 1,991 |
| Income before extraordinary items | $424,000 | 3,361 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $424,000 | 3,361 |
| 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 | $424,000 | 3,338 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,357,000 | 3,759 |
| Total interest expense | $4,281,000 | 3,423 |
| Net interest income | $5,076,000 | 3,957 |
| Provision for loan and lease losses | $317,000 | 2,665 |
| Total noninterest income | $93,000 | 7,814 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $55,000 | 6,806 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $38,000 | 7,516 |
| Total noninterest expense | $2,476,000 | 5,514 |
| Salaries and employee benefits | $1,519,000 | 5,153 |
| Premises and equipment expense | $299,000 | 5,755 |
| Additional noninterest expense | $658,000 | 5,809 |
| Pre-tax net operating income | $2,376,000 | 3,248 |
| Securities gains (losses) | $-19,000 | 7,524 |
| Applicable income taxes | $928,000 | 2,307 |
| Income before extraordinary items | $1,429,000 | 3,879 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,429,000 | 3,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,325 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,441,160 | 3,842 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,959,000 | 4,195 |
| Total interest expense | $2,551,000 | 3,904 |
| Net interest income | $3,408,000 | 4,340 |
| Provision for loan and lease losses | $217,000 | 2,740 |
| Total noninterest income | $49,000 | 8,168 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $11,000 | 7,422 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $38,000 | 7,269 |
| Total noninterest expense | $1,562,000 | 6,034 |
| Salaries and employee benefits | $979,000 | 5,611 |
| Premises and equipment expense | $209,000 | 5,949 |
| Additional noninterest expense | $374,000 | 6,547 |
| Pre-tax net operating income | $1,678,000 | 3,521 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $662,000 | 2,448 |
| Income before extraordinary items | $1,016,000 | 4,130 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,016,000 | 4,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,474 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,016,000 | 4,114 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,749,000 | 5,240 |
| Total interest expense | $1,196,000 | 4,725 |
| Net interest income | $1,553,000 | 5,490 |
| Provision for loan and lease losses | $65,000 | 3,979 |
| Total noninterest income | $26,000 | 8,346 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $6,000 | 7,512 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $20,000 | 7,559 |
| Total noninterest expense | $695,000 | 7,112 |
| Salaries and employee benefits | $409,000 | 6,933 |
| Premises and equipment expense | $107,000 | 6,618 |
| Additional noninterest expense | $179,000 | 7,309 |
| Pre-tax net operating income | $819,000 | 4,275 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $313,000 | 2,989 |
| Income before extraordinary items | $506,000 | 4,841 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $506,000 | 4,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $506,000 | 4,838 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $0 | 8,789 |
| Total interest expense | $0 | 8,772 |
| Net interest income | $0 | 8,785 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $0 | 8,704 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,611 |
| Total noninterest expense | $0 | 8,787 |
| Salaries and employee benefits | $0 | 8,764 |
| Premises and equipment expense | $0 | 8,748 |
| Additional noninterest expense | $0 | 8,786 |
| Pre-tax net operating income | $0 | 8,194 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $0 | 8,197 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $0 | 8,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $0 | 8,188 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,570,000 | 4,341 |
| Total interest expense | $2,723,000 | 3,596 |
| Net interest income | $3,847,000 | 4,745 |
| Provision for loan and lease losses | $590,000 | 1,666 |
| Total noninterest income | $195,000 | 7,109 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $23,000 | 7,435 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $172,000 | 5,473 |
| Total noninterest expense | $2,417,000 | 5,483 |
| Salaries and employee benefits | $1,489,000 | 5,071 |
| Premises and equipment expense | $427,000 | 4,653 |
| Additional noninterest expense | $501,000 | 6,576 |
| Pre-tax net operating income | $1,035,000 | 5,263 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-446,000 | 8,761 |
| Income before extraordinary items | $1,481,000 | 3,810 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,481,000 | 3,811 |
| 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 | $0 | 934 |
| Net operating income | $1,481,000 | 3,780 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,343,000 | 4,667 |
| Total interest expense | $1,780,000 | 3,824 |
| Net interest income | $2,563,000 | 5,103 |
| Provision for loan and lease losses | $490,000 | 1,429 |
| Total noninterest income | $138,000 | 7,213 |
| 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 | $124,000 | 5,547 |
| Total noninterest expense | $1,735,000 | 5,589 |
| Salaries and employee benefits | $1,061,000 | 5,227 |
| Premises and equipment expense | $284,000 | 5,014 |
| Additional noninterest expense | $390,000 | 6,432 |
| Pre-tax net operating income | $476,000 | 6,482 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $476,000 | 6,007 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $476,000 | 6,014 |
| 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 | $0 | 769 |
| Net operating income | $476,000 | 5,975 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,417,000 | 5,168 |
| Total interest expense | $1,013,000 | 4,088 |
| Net interest income | $1,404,000 | 5,705 |
| Provision for loan and lease losses | $310,000 | 1,464 |
| Total noninterest income | $101,000 | 7,038 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $8,000 | 7,585 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $93,000 | 5,327 |
| Total noninterest expense | $1,050,000 | 5,896 |
| Salaries and employee benefits | $656,000 | 5,455 |
| Premises and equipment expense | $183,000 | 5,115 |
| Additional noninterest expense | $211,000 | 6,974 |
| Pre-tax net operating income | $145,000 | 7,576 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $145,000 | 7,392 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $145,000 | 7,393 |
| 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 | $0 | 643 |
| Net operating income | $145,000 | 7,349 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,033,000 | 5,632 |
| Total interest expense | $417,000 | 4,548 |
| Net interest income | $616,000 | 6,150 |
| Provision for loan and lease losses | $128,000 | 1,656 |
| Total noninterest income | $51,000 | 7,038 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $4,000 | 7,641 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $47,000 | 5,321 |
| Total noninterest expense | $502,000 | 6,092 |
| Salaries and employee benefits | $308,000 | 5,709 |
| Premises and equipment expense | $87,000 | 5,339 |
| Additional noninterest expense | $107,000 | 6,972 |
| Pre-tax net operating income | $37,000 | 8,060 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $37,000 | 7,981 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $37,000 | 7,981 |
| 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 | $0 | 491 |
| Net operating income | $37,000 | 7,953 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,732,000 | 7,657 |
| Total interest expense | $560,000 | 7,095 |
| Net interest income | $1,172,000 | 7,783 |
| Provision for loan and lease losses | $465,000 | 2,077 |
| Total noninterest income | $87,000 | 8,230 |
| 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 | $77,000 | 6,829 |
| Total noninterest expense | $1,686,000 | 6,558 |
| Salaries and employee benefits | $1,094,000 | 5,987 |
| Premises and equipment expense | $188,000 | 6,890 |
| Additional noninterest expense | $404,000 | 7,099 |
| Pre-tax net operating income | $-892,000 | 8,780 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-891,000 | 8,813 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-891,000 | 8,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-892,000 | 8,792 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $988,000 | 8,118 |
| Total interest expense | $285,000 | 7,791 |
| Net interest income | $703,000 | 8,149 |
| Provision for loan and lease losses | $353,000 | 1,990 |
| Total noninterest income | $68,000 | 8,244 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $7,000 | 7,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $61,000 | 6,777 |
| Total noninterest expense | $1,161,000 | 6,774 |
| Salaries and employee benefits | $753,000 | 6,233 |
| Premises and equipment expense | $112,000 | 7,308 |
| Additional noninterest expense | $296,000 | 7,121 |
| Pre-tax net operating income | $-743,000 | 8,840 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-743,000 | 8,883 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-743,000 | 8,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-743,000 | 8,863 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $496,000 | 8,504 |
| Total interest expense | $125,000 | 8,377 |
| Net interest income | $371,000 | 8,467 |
| Provision for loan and lease losses | $166,000 | 2,545 |
| Total noninterest income | $10,000 | 8,900 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $5,000 | 7,870 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,000 | 8,618 |
| Total noninterest expense | $711,000 | 7,043 |
| Salaries and employee benefits | $460,000 | 6,554 |
| Premises and equipment expense | $64,000 | 7,627 |
| Additional noninterest expense | $187,000 | 7,286 |
| Pre-tax net operating income | $-496,000 | 8,898 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-496,000 | 8,932 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-496,000 | 8,934 |
| 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 | $189,000 | 8,748 |
| Total interest expense | $34,000 | 8,816 |
| Net interest income | $155,000 | 8,670 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $2,000 | 9,001 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,000 | 7,896 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $358,000 | 7,058 |
| Salaries and employee benefits | $232,000 | 6,571 |
| Premises and equipment expense | $33,000 | 7,611 |
| Additional noninterest expense | $93,000 | 7,316 |
| Pre-tax net operating income | $-321,000 | 8,979 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-321,000 | 9,007 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-321,000 | 9,006 |
| 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 | $-321,000 | 8,982 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $69,000 | 9,124 |
| Total interest expense | $91,000 | 8,978 |
| Net interest income | $-22,000 | 9,176 |
| Provision for loan and lease losses | $45,000 | 6,412 |
| Total noninterest income | $0 | 9,134 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $0 | 9,041 |
| Total noninterest expense | $1,142,000 | 7,593 |
| Salaries and employee benefits | $670,000 | 7,415 |
| Premises and equipment expense | $55,000 | 8,689 |
| Additional noninterest expense | $417,000 | 7,055 |
| Pre-tax net operating income | $-1,209,000 | 9,011 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-1,209,000 | 9,062 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,209,000 | 9,063 |
| 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 | $10,800,000 | 77 |
| Net operating income | $-1,209,000 | 9,017 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,000 | 9,230 |
| Total interest expense | $86,000 | 9,020 |
| Net interest income | $-81,000 | 9,231 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $0 | 9,186 |
| 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 | $0 | 9,106 |
| Total noninterest expense | $817,000 | 7,688 |
| Salaries and employee benefits | $480,000 | 7,485 |
| Premises and equipment expense | $29,000 | 8,941 |
| Additional noninterest expense | $308,000 | 7,067 |
| Pre-tax net operating income | $-898,000 | 9,065 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-898,000 | 9,111 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-898,000 | 9,110 |
| 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 | $10,800,000 | 52 |
| Net operating income | $-898,000 | 9,070 |
* 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.