Home > South Carolina Bank and Trust of the Piedmont > Income and Expense
South Carolina Bank and Trust of the Piedmont, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,285,000 | 2,198 |
| Total interest expense | $4,710,000 | 2,509 |
| Net interest income | $8,575,000 | 1,967 |
| Provision for loan and lease losses | $391,000 | 3,120 |
| Total noninterest income | $2,285,000 | 1,604 |
| Gross Fiduciary activities income | $152,000 | 778 |
| Service charges on deposit accounts | $903,000 | 1,502 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,230,000 | 1,574 |
| Total noninterest expense | $5,902,000 | 2,402 |
| Salaries and employee benefits | $2,271,000 | 3,256 |
| Premises and equipment expense | $694,000 | 2,824 |
| Additional noninterest expense | $2,937,000 | 1,521 |
| Pre-tax net operating income | $4,567,000 | 1,111 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,734,000 | 733 |
| Income before extraordinary items | $2,833,000 | 1,310 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,833,000 | 1,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 3,111 |
| Cash dividends | $827,000 | 2,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,833,000 | 1,379 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,926,000 | 2,203 |
| Total interest expense | $3,321,000 | 2,473 |
| Net interest income | $5,605,000 | 1,990 |
| Provision for loan and lease losses | $172,000 | 3,403 |
| Total noninterest income | $1,618,000 | 1,558 |
| Gross Fiduciary activities income | $134,000 | 730 |
| Service charges on deposit accounts | $593,000 | 1,504 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $891,000 | 1,529 |
| Total noninterest expense | $3,974,000 | 2,388 |
| Salaries and employee benefits | $1,551,000 | 3,237 |
| Premises and equipment expense | $453,000 | 2,887 |
| Additional noninterest expense | $1,970,000 | 1,495 |
| Pre-tax net operating income | $3,077,000 | 1,151 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,191,000 | 810 |
| Income before extraordinary items | $1,886,000 | 1,463 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,886,000 | 1,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,109 |
| Cash dividends | $561,000 | 2,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,886,000 | 1,431 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,616,000 | 2,189 |
| Total interest expense | $1,821,000 | 2,434 |
| Net interest income | $2,795,000 | 1,990 |
| Provision for loan and lease losses | $49,000 | 3,856 |
| Total noninterest income | $928,000 | 1,411 |
| Gross Fiduciary activities income | $88,000 | 676 |
| Service charges on deposit accounts | $292,000 | 1,496 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $548,000 | 1,320 |
| Total noninterest expense | $2,177,000 | 2,194 |
| Salaries and employee benefits | $954,000 | 2,697 |
| Premises and equipment expense | $234,000 | 2,813 |
| Additional noninterest expense | $989,000 | 1,448 |
| Pre-tax net operating income | $1,497,000 | 1,263 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $552,000 | 922 |
| Income before extraordinary items | $945,000 | 1,583 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $945,000 | 1,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,724 |
| Cash dividends | $286,000 | 1,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $945,000 | 1,526 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,770,000 | 2,197 |
| Total interest expense | $7,636,000 | 2,430 |
| Net interest income | $11,134,000 | 2,039 |
| Provision for loan and lease losses | $513,000 | 2,287 |
| Total noninterest income | $3,177,000 | 1,571 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,022,000 | 1,728 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,155,000 | 1,307 |
| Total noninterest expense | $9,184,000 | 2,004 |
| Salaries and employee benefits | $4,324,000 | 2,330 |
| Premises and equipment expense | $832,000 | 2,987 |
| Additional noninterest expense | $4,028,000 | 1,378 |
| Pre-tax net operating income | $4,614,000 | 1,764 |
| Securities gains (losses) | $27,000 | 1,002 |
| Applicable income taxes | $1,593,000 | 1,352 |
| Income before extraordinary items | $3,048,000 | 2,021 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,048,000 | 2,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,305 |
| Cash dividends | $854,000 | 2,878 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,030,180 | 2,017 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,902,000 | 2,230 |
| Total interest expense | $5,684,000 | 2,434 |
| Net interest income | $8,218,000 | 2,078 |
| Provision for loan and lease losses | $330,000 | 2,168 |
| Total noninterest income | $2,455,000 | 1,545 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $732,000 | 1,782 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,723,000 | 1,253 |
| Total noninterest expense | $6,882,000 | 1,992 |
| Salaries and employee benefits | $3,256,000 | 2,315 |
| Premises and equipment expense | $617,000 | 3,007 |
| Additional noninterest expense | $3,009,000 | 1,352 |
| Pre-tax net operating income | $3,461,000 | 1,868 |
| Securities gains (losses) | $9,000 | 1,036 |
| Applicable income taxes | $1,207,000 | 1,439 |
| Income before extraordinary items | $2,263,000 | 2,152 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,263,000 | 2,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,135 |
| Cash dividends | $621,000 | 2,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,257,150 | 2,140 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,983,000 | 2,318 |
| Total interest expense | $3,654,000 | 2,531 |
| Net interest income | $5,329,000 | 2,166 |
| Provision for loan and lease losses | $161,000 | 2,491 |
| Total noninterest income | $1,507,000 | 1,668 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $467,000 | 1,862 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,040,000 | 1,359 |
| Total noninterest expense | $4,545,000 | 2,033 |
| Salaries and employee benefits | $2,090,000 | 2,440 |
| Premises and equipment expense | $413,000 | 3,022 |
| Additional noninterest expense | $2,042,000 | 1,352 |
| Pre-tax net operating income | $2,130,000 | 2,050 |
| Securities gains (losses) | $9,000 | 893 |
| Applicable income taxes | $712,000 | 1,641 |
| Income before extraordinary items | $1,427,000 | 2,291 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,427,000 | 2,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,952 |
| Cash dividends | $419,000 | 2,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,420,970 | 2,283 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,334,000 | 2,396 |
| Total interest expense | $1,783,000 | 2,567 |
| Net interest income | $2,551,000 | 2,259 |
| Provision for loan and lease losses | $16,000 | 4,567 |
| Total noninterest income | $734,000 | 1,666 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $223,000 | 1,880 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $511,000 | 1,343 |
| Total noninterest expense | $2,278,000 | 2,035 |
| Salaries and employee benefits | $1,045,000 | 2,459 |
| Premises and equipment expense | $194,000 | 3,198 |
| Additional noninterest expense | $1,039,000 | 1,295 |
| Pre-tax net operating income | $991,000 | 2,182 |
| Securities gains (losses) | $9,000 | 715 |
| Applicable income taxes | $295,000 | 1,868 |
| Income before extraordinary items | $705,000 | 2,315 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $705,000 | 2,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,563 |
| Cash dividends | $208,000 | 2,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $698,700 | 2,316 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,539,000 | 2,477 |
| Total interest expense | $5,708,000 | 2,702 |
| Net interest income | $9,831,000 | 2,317 |
| Provision for loan and lease losses | $543,000 | 1,776 |
| Total noninterest income | $2,772,000 | 1,736 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $880,000 | 1,959 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,892,000 | 1,422 |
| Total noninterest expense | $8,048,000 | 2,199 |
| Salaries and employee benefits | $3,847,000 | 2,528 |
| Premises and equipment expense | $707,000 | 3,312 |
| Additional noninterest expense | $3,494,000 | 1,513 |
| Pre-tax net operating income | $4,012,000 | 2,254 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,520,000 | 1,643 |
| Income before extraordinary items | $2,492,000 | 2,633 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,492,000 | 2,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,501 |
| Cash dividends | $710,000 | 3,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,492,000 | 2,614 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,250,000 | 2,545 |
| Total interest expense | $4,015,000 | 2,777 |
| Net interest income | $7,235,000 | 2,393 |
| Provision for loan and lease losses | $328,000 | 1,999 |
| Total noninterest income | $1,964,000 | 1,828 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $668,000 | 1,931 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,296,000 | 1,501 |
| Total noninterest expense | $5,931,000 | 2,224 |
| Salaries and employee benefits | $2,807,000 | 2,594 |
| Premises and equipment expense | $541,000 | 3,260 |
| Additional noninterest expense | $2,583,000 | 1,529 |
| Pre-tax net operating income | $2,940,000 | 2,371 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,114,000 | 1,746 |
| Income before extraordinary items | $1,826,000 | 2,763 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,826,000 | 2,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,707 |
| Cash dividends | $542,000 | 2,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,826,000 | 2,749 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,204,000 | 2,597 |
| Total interest expense | $2,496,000 | 2,826 |
| Net interest income | $4,708,000 | 2,437 |
| Provision for loan and lease losses | $232,000 | 1,886 |
| Total noninterest income | $1,232,000 | 1,910 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $459,000 | 1,869 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $773,000 | 1,630 |
| Total noninterest expense | $3,715,000 | 2,375 |
| Salaries and employee benefits | $1,821,000 | 2,654 |
| Premises and equipment expense | $344,000 | 3,378 |
| Additional noninterest expense | $1,550,000 | 1,708 |
| Pre-tax net operating income | $1,993,000 | 2,317 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $762,000 | 1,732 |
| Income before extraordinary items | $1,231,000 | 2,739 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,231,000 | 2,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,324 |
| Cash dividends | $345,000 | 2,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,231,000 | 2,728 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,387,000 | 2,678 |
| Total interest expense | $1,163,000 | 2,873 |
| Net interest income | $2,224,000 | 2,546 |
| Provision for loan and lease losses | $138,000 | 1,573 |
| Total noninterest income | $573,000 | 1,999 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $217,000 | 1,908 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $356,000 | 1,704 |
| Total noninterest expense | $1,782,000 | 2,488 |
| Salaries and employee benefits | $874,000 | 2,755 |
| Premises and equipment expense | $163,000 | 3,538 |
| Additional noninterest expense | $745,000 | 1,757 |
| Pre-tax net operating income | $877,000 | 2,516 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $312,000 | 1,970 |
| Income before extraordinary items | $565,000 | 2,870 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $565,000 | 2,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,001 |
| Cash dividends | $172,000 | 2,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $565,000 | 2,855 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,422,000 | 2,817 |
| Total interest expense | $3,139,000 | 3,210 |
| Net interest income | $8,283,000 | 2,620 |
| Provision for loan and lease losses | $408,000 | 2,247 |
| Total noninterest income | $2,240,000 | 2,044 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $830,000 | 2,048 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,410,000 | 1,752 |
| Total noninterest expense | $6,650,000 | 2,510 |
| Salaries and employee benefits | $3,133,000 | 2,866 |
| Premises and equipment expense | $537,000 | 3,973 |
| Additional noninterest expense | $2,980,000 | 1,694 |
| Pre-tax net operating income | $3,465,000 | 2,477 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,238,000 | 1,956 |
| Income before extraordinary items | $2,227,000 | 2,817 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,227,000 | 2,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $756,000 | 2,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,227,000 | 2,781 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,238,000 | 2,863 |
| Total interest expense | $2,170,000 | 3,273 |
| Net interest income | $6,068,000 | 2,649 |
| Provision for loan and lease losses | $273,000 | 2,368 |
| Total noninterest income | $1,701,000 | 2,013 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $608,000 | 2,084 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,093,000 | 1,703 |
| Total noninterest expense | $4,773,000 | 2,580 |
| Salaries and employee benefits | $2,319,000 | 2,859 |
| Premises and equipment expense | $388,000 | 4,054 |
| Additional noninterest expense | $2,066,000 | 1,812 |
| Pre-tax net operating income | $2,723,000 | 2,408 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $970,000 | 1,922 |
| Income before extraordinary items | $1,753,000 | 2,746 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,753,000 | 2,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,634 |
| Cash dividends | $553,000 | 2,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,753,000 | 2,721 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,228,000 | 2,917 |
| Total interest expense | $1,320,000 | 3,380 |
| Net interest income | $3,908,000 | 2,720 |
| Provision for loan and lease losses | $215,000 | 2,028 |
| Total noninterest income | $1,107,000 | 2,031 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $392,000 | 2,098 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $715,000 | 1,719 |
| Total noninterest expense | $3,094,000 | 2,621 |
| Salaries and employee benefits | $1,520,000 | 2,893 |
| Premises and equipment expense | $257,000 | 4,062 |
| Additional noninterest expense | $1,317,000 | 1,868 |
| Pre-tax net operating income | $1,706,000 | 2,471 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $609,000 | 1,983 |
| Income before extraordinary items | $1,101,000 | 2,875 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,101,000 | 2,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,591 |
| Cash dividends | $366,000 | 2,642 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,098,440 | 2,837 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,448,000 | 3,043 |
| Total interest expense | $587,000 | 3,565 |
| Net interest income | $1,861,000 | 2,825 |
| Provision for loan and lease losses | $28,000 | 4,295 |
| Total noninterest income | $543,000 | 2,023 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $195,000 | 2,047 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $348,000 | 1,704 |
| Total noninterest expense | $1,532,000 | 2,654 |
| Salaries and employee benefits | $740,000 | 2,964 |
| Premises and equipment expense | $132,000 | 4,029 |
| Additional noninterest expense | $660,000 | 1,860 |
| Pre-tax net operating income | $844,000 | 2,466 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $301,000 | 1,971 |
| Income before extraordinary items | $543,000 | 2,845 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $543,000 | 2,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $183,000 | 2,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $543,000 | 2,792 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,091,000 | 3,384 |
| Total interest expense | $1,485,000 | 4,537 |
| Net interest income | $6,606,000 | 3,039 |
| Provision for loan and lease losses | $443,000 | 2,174 |
| Total noninterest income | $2,256,000 | 2,021 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $793,000 | 2,164 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,463,000 | 1,669 |
| Total noninterest expense | $5,860,000 | 2,708 |
| Salaries and employee benefits | $2,623,000 | 3,218 |
| Premises and equipment expense | $533,000 | 3,891 |
| Additional noninterest expense | $2,704,000 | 1,808 |
| Pre-tax net operating income | $2,559,000 | 2,957 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $907,000 | 2,318 |
| Income before extraordinary items | $1,652,000 | 3,390 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,652,000 | 3,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,112 |
| Cash dividends | $572,000 | 3,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,652,000 | 3,321 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,746,000 | 3,507 |
| Total interest expense | $998,000 | 4,793 |
| Net interest income | $4,748,000 | 3,129 |
| Provision for loan and lease losses | $275,000 | 2,404 |
| Total noninterest income | $1,692,000 | 2,033 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $584,000 | 2,209 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,108,000 | 1,650 |
| Total noninterest expense | $4,319,000 | 2,717 |
| Salaries and employee benefits | $1,967,000 | 3,180 |
| Premises and equipment expense | $393,000 | 3,928 |
| Additional noninterest expense | $1,959,000 | 1,832 |
| Pre-tax net operating income | $1,846,000 | 3,084 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $654,000 | 2,420 |
| Income before extraordinary items | $1,192,000 | 3,552 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,192,000 | 3,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,128 |
| Cash dividends | $426,000 | 2,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,192,000 | 3,478 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,660,000 | 3,646 |
| Total interest expense | $598,000 | 5,109 |
| Net interest income | $3,062,000 | 3,229 |
| Provision for loan and lease losses | $160,000 | 2,593 |
| Total noninterest income | $1,171,000 | 1,962 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $396,000 | 2,164 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $775,000 | 1,581 |
| Total noninterest expense | $2,903,000 | 2,707 |
| Salaries and employee benefits | $1,318,000 | 3,180 |
| Premises and equipment expense | $267,000 | 3,874 |
| Additional noninterest expense | $1,318,000 | 1,816 |
| Pre-tax net operating income | $1,170,000 | 3,175 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $415,000 | 2,499 |
| Income before extraordinary items | $755,000 | 3,676 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $755,000 | 3,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $271,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $755,000 | 3,589 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,715,000 | 3,847 |
| Total interest expense | $295,000 | 5,218 |
| Net interest income | $1,420,000 | 3,402 |
| Provision for loan and lease losses | $-10,000 | 8,925 |
| Total noninterest income | $488,000 | 2,196 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $182,000 | 2,264 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $306,000 | 1,861 |
| Total noninterest expense | $1,357,000 | 2,882 |
| Salaries and employee benefits | $637,000 | 3,293 |
| Premises and equipment expense | $120,000 | 4,238 |
| Additional noninterest expense | $600,000 | 1,976 |
| Pre-tax net operating income | $561,000 | 3,247 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $201,000 | 2,572 |
| Income before extraordinary items | $360,000 | 3,779 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $360,000 | 3,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $130,000 | 2,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $360,000 | 3,664 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,112,000 | 3,766 |
| Total interest expense | $1,383,000 | 5,132 |
| Net interest income | $5,729,000 | 3,302 |
| Provision for loan and lease losses | $279,000 | 3,342 |
| Total noninterest income | $2,799,000 | 1,783 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $751,000 | 2,232 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,048,000 | 1,447 |
| Total noninterest expense | $5,461,000 | 2,832 |
| Salaries and employee benefits | $3,010,000 | 2,763 |
| Premises and equipment expense | $482,000 | 4,186 |
| Additional noninterest expense | $1,969,000 | 2,449 |
| Pre-tax net operating income | $2,788,000 | 2,654 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $991,000 | 2,185 |
| Income before extraordinary items | $1,797,000 | 3,111 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,797,000 | 3,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,737 |
| Cash dividends | $600,000 | 3,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,797,000 | 2,963 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,448,000 | 3,745 |
| Total interest expense | $1,096,000 | 5,091 |
| Net interest income | $4,352,000 | 3,292 |
| Provision for loan and lease losses | $215,000 | 3,219 |
| Total noninterest income | $2,166,000 | 1,792 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $546,000 | 2,298 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,620,000 | 1,454 |
| Total noninterest expense | $4,072,000 | 2,857 |
| Salaries and employee benefits | $2,249,000 | 2,772 |
| Premises and equipment expense | $364,000 | 4,155 |
| Additional noninterest expense | $1,459,000 | 2,458 |
| Pre-tax net operating income | $2,231,000 | 2,616 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $799,000 | 2,205 |
| Income before extraordinary items | $1,432,000 | 3,071 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,432,000 | 3,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,005 |
| Cash dividends | $418,000 | 2,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,432,000 | 2,922 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,553,000 | 3,847 |
| Total interest expense | $746,000 | 5,150 |
| Net interest income | $2,807,000 | 3,371 |
| Provision for loan and lease losses | $95,000 | 3,952 |
| Total noninterest income | $1,333,000 | 1,881 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $363,000 | 2,273 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $970,000 | 1,551 |
| Total noninterest expense | $2,658,000 | 2,908 |
| Salaries and employee benefits | $1,414,000 | 2,936 |
| Premises and equipment expense | $239,000 | 4,194 |
| Additional noninterest expense | $1,005,000 | 2,362 |
| Pre-tax net operating income | $1,387,000 | 2,765 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $496,000 | 2,329 |
| Income before extraordinary items | $891,000 | 3,232 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $891,000 | 3,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 2,471 |
| Cash dividends | $263,000 | 3,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $891,000 | 3,068 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,770,000 | 3,876 |
| Total interest expense | $383,000 | 5,164 |
| Net interest income | $1,387,000 | 3,385 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $597,000 | 2,006 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $174,000 | 2,278 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $423,000 | 1,673 |
| Total noninterest expense | $1,286,000 | 2,966 |
| Salaries and employee benefits | $687,000 | 3,008 |
| Premises and equipment expense | $110,000 | 4,431 |
| Additional noninterest expense | $489,000 | 2,385 |
| Pre-tax net operating income | $678,000 | 2,803 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $242,000 | 2,375 |
| Income before extraordinary items | $436,000 | 3,257 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $436,000 | 3,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $105,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $436,000 | 3,089 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,246,000 | 3,933 |
| Total interest expense | $1,856,000 | 5,060 |
| Net interest income | $5,390,000 | 3,438 |
| Provision for loan and lease losses | $227,000 | 4,091 |
| Total noninterest income | $1,819,000 | 2,306 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $583,000 | 2,618 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,236,000 | 1,906 |
| Total noninterest expense | $4,455,000 | 3,249 |
| Salaries and employee benefits | $2,341,000 | 3,304 |
| Premises and equipment expense | $334,000 | 5,236 |
| Additional noninterest expense | $1,780,000 | 2,565 |
| Pre-tax net operating income | $2,527,000 | 2,865 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $909,000 | 2,376 |
| Income before extraordinary items | $1,618,000 | 3,295 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,618,000 | 3,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,379 |
| Cash dividends | $534,000 | 3,344 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,618,000 | 3,204 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,559,000 | 4,203 |
| Total interest expense | $3,260,000 | 4,427 |
| Net interest income | $4,299,000 | 3,905 |
| Provision for loan and lease losses | $252,000 | 3,587 |
| Total noninterest income | $1,201,000 | 2,934 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $419,000 | 3,258 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $782,000 | 2,424 |
| Total noninterest expense | $3,402,000 | 3,920 |
| Salaries and employee benefits | $1,756,000 | 3,980 |
| Premises and equipment expense | $277,000 | 5,776 |
| Additional noninterest expense | $1,369,000 | 3,117 |
| Pre-tax net operating income | $1,846,000 | 3,364 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $699,000 | 2,674 |
| Income before extraordinary items | $1,147,000 | 3,919 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,147,000 | 3,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,533 |
| Cash dividends | $314,000 | 4,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,147,000 | 3,790 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,813,000 | 4,681 |
| Total interest expense | $3,362,000 | 4,510 |
| Net interest income | $3,451,000 | 4,651 |
| Provision for loan and lease losses | $209,000 | 3,650 |
| Total noninterest income | $648,000 | 4,212 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $359,000 | 3,521 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $289,000 | 4,007 |
| Total noninterest expense | $2,743,000 | 4,536 |
| Salaries and employee benefits | $1,391,000 | 4,643 |
| Premises and equipment expense | $291,000 | 5,519 |
| Additional noninterest expense | $1,061,000 | 3,814 |
| Pre-tax net operating income | $1,147,000 | 4,856 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $426,000 | 3,856 |
| Income before extraordinary items | $722,000 | 5,336 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $722,000 | 5,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,446 |
| Cash dividends | $128,000 | 5,687 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $721,360 | 5,340 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,926,000 | 5,632 |
| Total interest expense | $2,223,000 | 5,607 |
| Net interest income | $2,703,000 | 5,533 |
| Provision for loan and lease losses | $220,000 | 3,352 |
| Total noninterest income | $634,000 | 4,274 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 4,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $395,000 | 3,456 |
| Total noninterest expense | $2,508,000 | 4,874 |
| Salaries and employee benefits | $1,171,000 | 5,255 |
| Premises and equipment expense | $681,000 | 2,933 |
| Additional noninterest expense | $656,000 | 5,492 |
| Pre-tax net operating income | $609,000 | 6,671 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $230,000 | 5,400 |
| Income before extraordinary items | $386,000 | 7,062 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $386,000 | 7,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $381,520 | 7,061 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,957,000 | 6,519 |
| Total interest expense | $1,901,000 | 6,345 |
| Net interest income | $2,056,000 | 6,569 |
| Provision for loan and lease losses | $175,000 | 3,848 |
| Total noninterest income | $579,000 | 4,497 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 5,694 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $415,000 | 3,354 |
| Total noninterest expense | $2,356,000 | 4,965 |
| Salaries and employee benefits | $919,000 | 6,125 |
| Premises and equipment expense | $270,000 | 5,701 |
| Additional noninterest expense | $1,167,000 | 3,453 |
| Pre-tax net operating income | $104,000 | 9,399 |
| Securities gains (losses) | $43,000 | 1,842 |
| Applicable income taxes | $56,000 | 8,229 |
| Income before extraordinary items | $91,000 | 9,393 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $91,000 | 9,394 |
| 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 | $0 | 1,027 |
| Net operating income | $63,480 | 9,487 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,690,000 | 8,137 |
| Total interest expense | $1,360,000 | 7,691 |
| Net interest income | $1,330,000 | 8,405 |
| Provision for loan and lease losses | $186,000 | 3,592 |
| Total noninterest income | $338,000 | 6,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,189 |
| Total noninterest expense | $1,857,000 | 5,951 |
| Salaries and employee benefits | $753,000 | 7,007 |
| Premises and equipment expense | $278,000 | 5,688 |
| Additional noninterest expense | $826,000 | 4,614 |
| Pre-tax net operating income | $-375,000 | 10,687 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $-138,000 | 10,748 |
| Income before extraordinary items | $-236,000 | 10,632 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-236,000 | 10,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-236,640 | 10,606 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $508,000 | 11,256 |
| Total interest expense | $251,000 | 11,163 |
| Net interest income | $257,000 | 11,279 |
| Provision for loan and lease losses | $94,000 | 5,274 |
| Total noninterest income | $45,000 | 10,935 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 9,845 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 9,253 |
| Total noninterest expense | $743,000 | 9,664 |
| Salaries and employee benefits | $300,000 | 10,345 |
| Premises and equipment expense | $124,000 | 8,694 |
| Additional noninterest expense | $319,000 | 8,678 |
| Pre-tax net operating income | $-535,000 | 11,250 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-201,000 | 11,270 |
| Income before extraordinary items | $-334,000 | 11,196 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-334,000 | 11,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $4,500,000 | 169 |
| Net operating income | $-334,000 | 11,171 |
* 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.