Home > Southern Bank & Trust > Income and Expense
Southern Bank & Trust, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,036,000 | 3,351 |
| Total interest expense | $1,575,000 | 2,769 |
| Net interest income | $4,461,000 | 3,503 |
| Provision for loan and lease losses | $1,245,000 | 1,716 |
| Total noninterest income | $480,000 | 3,969 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $350,000 | 2,723 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $130,000 | 4,746 |
| Total noninterest expense | $3,016,000 | 4,098 |
| Salaries and employee benefits | $1,220,000 | 4,736 |
| Premises and equipment expense | $451,000 | 3,611 |
| Additional noninterest expense | $1,345,000 | 3,419 |
| Pre-tax net operating income | $680,000 | 4,023 |
| Securities gains (losses) | $13,000 | 2,968 |
| Applicable income taxes | $258,000 | 2,423 |
| Income before extraordinary items | $435,000 | 4,539 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $435,000 | 4,540 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $435,000 | 4,540 |
| Net charge-offs | $537,000 | 2,585 |
| Cash dividends | $200,000 | 2,677 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 738 |
| Net operating income | $426,680 | 4,441 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,102,000 | 3,319 |
| Total interest expense | $1,090,000 | 2,768 |
| Net interest income | $3,012,000 | 3,467 |
| Provision for loan and lease losses | $908,000 | 1,574 |
| Total noninterest income | $363,000 | 3,756 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $225,000 | 2,789 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $138,000 | 4,088 |
| Total noninterest expense | $1,988,000 | 4,175 |
| Salaries and employee benefits | $800,000 | 4,818 |
| Premises and equipment expense | $304,000 | 3,610 |
| Additional noninterest expense | $884,000 | 3,503 |
| Pre-tax net operating income | $479,000 | 3,893 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $182,000 | 2,317 |
| Income before extraordinary items | $297,000 | 4,462 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $297,000 | 4,461 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $297,000 | 4,463 |
| Net charge-offs | $320,000 | 2,621 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 682 |
| Net operating income | $297,000 | 4,386 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,023,000 | 3,379 |
| Total interest expense | $568,000 | 2,753 |
| Net interest income | $1,455,000 | 3,551 |
| Provision for loan and lease losses | $397,000 | 1,659 |
| Total noninterest income | $172,000 | 3,883 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $106,000 | 2,857 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $66,000 | 4,229 |
| Total noninterest expense | $995,000 | 4,192 |
| Salaries and employee benefits | $387,000 | 4,949 |
| Premises and equipment expense | $151,000 | 3,683 |
| Additional noninterest expense | $457,000 | 3,406 |
| Pre-tax net operating income | $235,000 | 3,946 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $92,000 | 2,269 |
| Income before extraordinary items | $143,000 | 4,531 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $143,000 | 4,530 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $143,000 | 4,531 |
| Net charge-offs | $158,000 | 2,310 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 628 |
| Net operating income | $143,000 | 4,471 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,043,000 | 3,543 |
| Total interest expense | $2,760,000 | 2,774 |
| Net interest income | $5,283,000 | 3,813 |
| Provision for loan and lease losses | $1,340,000 | 2,618 |
| Total noninterest income | $870,000 | 3,478 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $464,000 | 2,776 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $406,000 | 3,484 |
| Total noninterest expense | $4,062,000 | 4,171 |
| Salaries and employee benefits | $1,576,000 | 4,925 |
| Premises and equipment expense | $639,000 | 3,551 |
| Additional noninterest expense | $1,847,000 | 3,476 |
| Pre-tax net operating income | $751,000 | 3,826 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $344,000 | 2,241 |
| Income before extraordinary items | $407,000 | 4,599 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $407,000 | 4,599 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $407,000 | 4,599 |
| Net charge-offs | $1,023,000 | 2,648 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 752 |
| Net operating income | $407,000 | 4,450 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,109,000 | 3,570 |
| Total interest expense | $2,137,000 | 2,816 |
| Net interest income | $3,972,000 | 3,860 |
| Provision for loan and lease losses | $948,000 | 2,586 |
| Total noninterest income | $508,000 | 4,043 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $508,000 | 2,730 |
| Total noninterest expense | $2,978,000 | 4,257 |
| Salaries and employee benefits | $1,204,000 | 4,906 |
| Premises and equipment expense | $569,000 | 3,151 |
| Additional noninterest expense | $1,205,000 | 3,796 |
| Pre-tax net operating income | $554,000 | 4,062 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $241,000 | 2,371 |
| Income before extraordinary items | $313,000 | 4,809 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $313,000 | 4,812 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $313,000 | 4,812 |
| Net charge-offs | $456,000 | 3,201 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $313,000 | 4,613 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,009,000 | 3,644 |
| Total interest expense | $1,435,000 | 2,886 |
| Net interest income | $2,574,000 | 3,938 |
| Provision for loan and lease losses | $517,000 | 2,807 |
| Total noninterest income | $307,000 | 4,213 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $307,000 | 2,807 |
| Total noninterest expense | $1,963,000 | 4,295 |
| Salaries and employee benefits | $853,000 | 4,747 |
| Premises and equipment expense | $387,000 | 3,136 |
| Additional noninterest expense | $723,000 | 4,054 |
| Pre-tax net operating income | $401,000 | 3,989 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $177,000 | 2,252 |
| Income before extraordinary items | $224,000 | 4,737 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $224,000 | 4,737 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $224,000 | 4,737 |
| Net charge-offs | $234,000 | 3,360 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $224,000 | 4,594 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,968,000 | 3,751 |
| Total interest expense | $714,000 | 3,015 |
| Net interest income | $1,254,000 | 4,036 |
| Provision for loan and lease losses | $236,000 | 2,770 |
| Total noninterest income | $151,000 | 4,270 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $151,000 | 2,834 |
| Total noninterest expense | $972,000 | 4,365 |
| Salaries and employee benefits | $412,000 | 4,912 |
| Premises and equipment expense | $205,000 | 3,058 |
| Additional noninterest expense | $355,000 | 4,112 |
| Pre-tax net operating income | $197,000 | 4,097 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $86,000 | 2,262 |
| Income before extraordinary items | $111,000 | 4,841 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $111,000 | 4,841 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $111,000 | 4,840 |
| Net charge-offs | $132,000 | 2,858 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $111,000 | 4,732 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,606,000 | 3,955 |
| Total interest expense | $3,060,000 | 3,367 |
| Net interest income | $4,546,000 | 4,194 |
| Provision for loan and lease losses | $973,000 | 3,558 |
| Total noninterest income | $590,000 | 4,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $590,000 | 2,923 |
| Total noninterest expense | $3,996,000 | 4,343 |
| Salaries and employee benefits | $1,734,000 | 4,766 |
| Premises and equipment expense | $718,000 | 3,387 |
| Additional noninterest expense | $1,544,000 | 3,996 |
| Pre-tax net operating income | $167,000 | 4,894 |
| Securities gains (losses) | $71,000 | 2,403 |
| Applicable income taxes | $127,000 | 2,713 |
| Income before extraordinary items | $111,000 | 5,110 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $111,000 | 5,110 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $111,000 | 5,110 |
| Net charge-offs | $788,000 | 3,195 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $65,560 | 5,235 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,636,000 | 4,043 |
| Total interest expense | $2,306,000 | 3,479 |
| Net interest income | $3,330,000 | 4,271 |
| Provision for loan and lease losses | $445,000 | 4,017 |
| Total noninterest income | $423,000 | 4,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $423,000 | 3,088 |
| Total noninterest expense | $3,138,000 | 4,230 |
| Salaries and employee benefits | $1,375,000 | 4,649 |
| Premises and equipment expense | $535,000 | 3,449 |
| Additional noninterest expense | $1,228,000 | 3,819 |
| Pre-tax net operating income | $170,000 | 5,043 |
| Securities gains (losses) | $71,000 | 2,067 |
| Applicable income taxes | $119,000 | 2,755 |
| Income before extraordinary items | $122,000 | 5,218 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $122,000 | 5,216 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $122,000 | 5,216 |
| Net charge-offs | $56,000 | 5,586 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $76,560 | 5,372 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,641,000 | 4,162 |
| Total interest expense | $1,569,000 | 3,564 |
| Net interest income | $2,072,000 | 4,480 |
| Provision for loan and lease losses | $264,000 | 3,935 |
| Total noninterest income | $259,000 | 4,734 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $259,000 | 3,241 |
| Total noninterest expense | $2,130,000 | 4,209 |
| Salaries and employee benefits | $966,000 | 4,545 |
| Premises and equipment expense | $353,000 | 3,512 |
| Additional noninterest expense | $811,000 | 3,834 |
| Pre-tax net operating income | $-63,000 | 6,004 |
| Securities gains (losses) | $71,000 | 1,691 |
| Applicable income taxes | $22,000 | 3,645 |
| Income before extraordinary items | $-14,000 | 5,965 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-14,000 | 5,964 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-14,000 | 5,964 |
| Net charge-offs | $25,000 | 5,459 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-59,440 | 6,050 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,753,000 | 4,304 |
| Total interest expense | $804,000 | 3,604 |
| Net interest income | $949,000 | 4,732 |
| Provision for loan and lease losses | $98,000 | 3,944 |
| Total noninterest income | $94,000 | 5,317 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $94,000 | 3,755 |
| Total noninterest expense | $1,015,000 | 4,274 |
| Salaries and employee benefits | $494,000 | 4,508 |
| Premises and equipment expense | $185,000 | 3,432 |
| Additional noninterest expense | $336,000 | 4,071 |
| Pre-tax net operating income | $-70,000 | 6,554 |
| Securities gains (losses) | $71,000 | 1,144 |
| Applicable income taxes | $9,000 | 4,029 |
| Income before extraordinary items | $-8,000 | 6,451 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-8,000 | 6,451 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-8,000 | 6,452 |
| Net charge-offs | $17,000 | 4,442 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-53,440 | 6,563 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,650,000 | 4,642 |
| Total interest expense | $3,508,000 | 3,841 |
| Net interest income | $3,142,000 | 5,287 |
| Provision for loan and lease losses | $715,000 | 3,211 |
| Total noninterest income | $327,000 | 5,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $327,000 | 3,941 |
| Total noninterest expense | $3,519,000 | 4,623 |
| Salaries and employee benefits | $1,504,000 | 5,330 |
| Premises and equipment expense | $743,000 | 3,363 |
| Additional noninterest expense | $1,272,000 | 4,097 |
| Pre-tax net operating income | $-765,000 | 6,905 |
| Securities gains (losses) | $99,000 | 1,130 |
| Applicable income taxes | $-201,000 | 7,223 |
| Income before extraordinary items | $-465,000 | 6,689 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-465,000 | 6,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 4,049 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-534,300 | 6,866 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,905,000 | 4,756 |
| Total interest expense | $2,585,000 | 3,989 |
| Net interest income | $2,320,000 | 5,370 |
| Provision for loan and lease losses | $546,000 | 2,613 |
| Total noninterest income | $237,000 | 5,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $237,000 | 4,122 |
| Total noninterest expense | $2,697,000 | 4,538 |
| Salaries and employee benefits | $1,149,000 | 5,295 |
| Premises and equipment expense | $554,000 | 3,403 |
| Additional noninterest expense | $994,000 | 3,885 |
| Pre-tax net operating income | $-686,000 | 7,371 |
| Securities gains (losses) | $70,000 | 1,197 |
| Applicable income taxes | $-192,000 | 7,651 |
| Income before extraordinary items | $-424,000 | 7,130 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-424,000 | 7,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,630 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-472,300 | 7,304 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,153,000 | 4,935 |
| Total interest expense | $1,647,000 | 4,249 |
| Net interest income | $1,506,000 | 5,463 |
| Provision for loan and lease losses | $341,000 | 2,360 |
| Total noninterest income | $142,000 | 6,069 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $142,000 | 4,401 |
| Total noninterest expense | $1,773,000 | 4,610 |
| Salaries and employee benefits | $756,000 | 5,385 |
| Premises and equipment expense | $378,000 | 3,358 |
| Additional noninterest expense | $639,000 | 3,984 |
| Pre-tax net operating income | $-466,000 | 7,579 |
| Securities gains (losses) | $38,000 | 1,635 |
| Applicable income taxes | $-134,000 | 7,912 |
| Income before extraordinary items | $-294,000 | 7,514 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-294,000 | 7,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,854 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-320,220 | 7,518 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,569,000 | 5,024 |
| Total interest expense | $797,000 | 4,517 |
| Net interest income | $772,000 | 5,407 |
| Provision for loan and lease losses | $133,000 | 2,332 |
| Total noninterest income | $57,000 | 6,444 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $57,000 | 4,793 |
| Total noninterest expense | $828,000 | 4,827 |
| Salaries and employee benefits | $342,000 | 5,711 |
| Premises and equipment expense | $178,000 | 3,523 |
| Additional noninterest expense | $308,000 | 4,033 |
| Pre-tax net operating income | $-132,000 | 7,635 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-38,000 | 7,984 |
| Income before extraordinary items | $-94,000 | 7,631 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-94,000 | 7,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,249 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-94,000 | 7,589 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,652,000 | 5,905 |
| Total interest expense | $2,427,000 | 5,343 |
| Net interest income | $2,225,000 | 6,254 |
| Provision for loan and lease losses | $776,000 | 1,705 |
| Total noninterest income | $134,000 | 7,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $134,000 | 5,768 |
| Total noninterest expense | $2,300,000 | 5,835 |
| Salaries and employee benefits | $1,110,000 | 6,204 |
| Premises and equipment expense | $370,000 | 5,246 |
| Additional noninterest expense | $820,000 | 5,267 |
| Pre-tax net operating income | $-717,000 | 7,926 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-181,000 | 8,113 |
| Income before extraordinary items | $-536,000 | 7,902 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-536,000 | 7,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,700 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-536,000 | 7,894 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,145,000 | 6,178 |
| Total interest expense | $1,632,000 | 5,666 |
| Net interest income | $1,513,000 | 6,510 |
| Provision for loan and lease losses | $564,000 | 1,422 |
| Total noninterest income | $82,000 | 7,511 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $82,000 | 6,115 |
| Total noninterest expense | $1,560,000 | 6,104 |
| Salaries and employee benefits | $757,000 | 6,407 |
| Premises and equipment expense | $251,000 | 5,511 |
| Additional noninterest expense | $552,000 | 5,555 |
| Pre-tax net operating income | $-529,000 | 8,097 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-133,000 | 8,271 |
| Income before extraordinary items | $-396,000 | 8,070 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-396,000 | 8,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,022 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-396,000 | 8,054 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,867,000 | 6,451 |
| Total interest expense | $997,000 | 5,877 |
| Net interest income | $870,000 | 6,903 |
| Provision for loan and lease losses | $371,000 | 1,305 |
| Total noninterest income | $52,000 | 7,614 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $52,000 | 6,215 |
| Total noninterest expense | $984,000 | 6,290 |
| Salaries and employee benefits | $489,000 | 6,537 |
| Premises and equipment expense | $145,000 | 5,910 |
| Additional noninterest expense | $350,000 | 5,682 |
| Pre-tax net operating income | $-433,000 | 8,256 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-117,000 | 8,398 |
| Income before extraordinary items | $-316,000 | 8,218 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-316,000 | 8,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,420 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-316,000 | 8,207 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $825,000 | 6,750 |
| Total interest expense | $455,000 | 6,074 |
| Net interest income | $370,000 | 7,285 |
| Provision for loan and lease losses | $187,000 | 1,231 |
| Total noninterest income | $26,000 | 7,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $26,000 | 6,219 |
| Total noninterest expense | $527,000 | 6,148 |
| Salaries and employee benefits | $264,000 | 6,413 |
| Premises and equipment expense | $73,000 | 5,929 |
| Additional noninterest expense | $190,000 | 5,431 |
| Pre-tax net operating income | $-318,000 | 8,424 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-94,000 | 8,506 |
| Income before extraordinary items | $-224,000 | 8,356 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-224,000 | 8,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-224,000 | 8,346 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $533,000 | 8,525 |
| Total interest expense | $230,000 | 8,382 |
| Net interest income | $303,000 | 8,561 |
| Provision for loan and lease losses | $345,000 | 2,546 |
| Total noninterest income | $15,000 | 8,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $15,000 | 8,126 |
| Total noninterest expense | $892,000 | 7,872 |
| Salaries and employee benefits | $439,000 | 8,052 |
| Premises and equipment expense | $92,000 | 7,890 |
| Additional noninterest expense | $361,000 | 7,249 |
| Pre-tax net operating income | $-919,000 | 8,400 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-300,000 | 8,515 |
| Income before extraordinary items | $-619,000 | 8,340 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-619,000 | 8,341 |
| 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 | $10,002,000 | 207 |
| Net operating income | $-619,000 | 8,336 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $51,000 | 8,731 |
| Total interest expense | $5,000 | 8,713 |
| Net interest income | $46,000 | 8,722 |
| Provision for loan and lease losses | $101,000 | 4,060 |
| Total noninterest income | $0 | 8,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,609 |
| Total noninterest expense | $378,000 | 8,463 |
| Salaries and employee benefits | $208,000 | 8,459 |
| Premises and equipment expense | $28,000 | 8,531 |
| Additional noninterest expense | $142,000 | 8,199 |
| Pre-tax net operating income | $-433,000 | 8,408 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-141,000 | 8,596 |
| Income before extraordinary items | $-292,000 | 8,368 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-292,000 | 8,368 |
| 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 | $10,002,000 | 153 |
| Net operating income | $-292,000 | 8,361 |
* 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.