Home > Southern Community Bank > Income and Expense
Southern Community Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,280,000 | 2,635 |
| Total interest expense | $3,015,000 | 1,135 |
| Net interest income | $265,000 | 7,519 |
| Provision for loan and lease losses | $2,040,000 | 746 |
| Total noninterest income | $45,000 | 6,509 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $119,000 | 2,908 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-74,000 | 8,105 |
| Total noninterest expense | $2,681,000 | 1,857 |
| Salaries and employee benefits | $1,120,000 | 2,281 |
| Premises and equipment expense | $399,000 | 1,773 |
| Additional noninterest expense | $1,162,000 | 1,402 |
| Pre-tax net operating income | $-4,411,000 | 8,003 |
| Securities gains (losses) | $42,000 | 1,374 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-4,369,000 | 8,037 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,369,000 | 8,038 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-4,369,000 | 8,038 |
| Net charge-offs | $7,003,000 | 255 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,411,000 | 8,039 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $18,147,000 | 2,101 |
| Total interest expense | $12,924,000 | 1,260 |
| Net interest income | $5,223,000 | 3,822 |
| Provision for loan and lease losses | $9,373,000 | 632 |
| Total noninterest income | $-1,244,000 | 8,257 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $633,000 | 2,547 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-1,877,000 | 8,273 |
| Total noninterest expense | $11,173,000 | 1,737 |
| Salaries and employee benefits | $5,256,000 | 1,922 |
| Premises and equipment expense | $1,873,000 | 1,479 |
| Additional noninterest expense | $4,044,000 | 1,533 |
| Pre-tax net operating income | $-16,567,000 | 8,075 |
| Securities gains (losses) | $624,000 | 308 |
| Applicable income taxes | $1,655,000 | 794 |
| Income before extraordinary items | $-17,598,000 | 8,078 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-17,598,000 | 8,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,462,000 | 509 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-18,222,000 | 8,104 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,384,000 | 2,022 |
| Total interest expense | $9,625,000 | 1,327 |
| Net interest income | $4,759,000 | 3,346 |
| Provision for loan and lease losses | $4,969,000 | 645 |
| Total noninterest income | $268,000 | 5,591 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $485,000 | 2,516 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-217,000 | 8,305 |
| Total noninterest expense | $7,905,000 | 1,824 |
| Salaries and employee benefits | $4,003,000 | 1,932 |
| Premises and equipment expense | $1,417,000 | 1,475 |
| Additional noninterest expense | $2,485,000 | 1,784 |
| Pre-tax net operating income | $-7,847,000 | 8,201 |
| Securities gains (losses) | $489,000 | 326 |
| Applicable income taxes | $1,656,000 | 763 |
| Income before extraordinary items | $-9,014,000 | 8,209 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-9,014,000 | 8,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,111,000 | 385 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-9,503,000 | 8,236 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,833,000 | 2,011 |
| Total interest expense | $6,388,000 | 1,383 |
| Net interest income | $3,445,000 | 3,107 |
| Provision for loan and lease losses | $3,699,000 | 526 |
| Total noninterest income | $101,000 | 6,640 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $322,000 | 2,497 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-221,000 | 8,404 |
| Total noninterest expense | $5,026,000 | 1,909 |
| Salaries and employee benefits | $2,730,000 | 1,908 |
| Premises and equipment expense | $965,000 | 1,441 |
| Additional noninterest expense | $1,331,000 | 2,127 |
| Pre-tax net operating income | $-5,179,000 | 8,297 |
| Securities gains (losses) | $332,000 | 422 |
| Applicable income taxes | $-1,965,000 | 8,332 |
| Income before extraordinary items | $-2,882,000 | 8,263 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,882,000 | 8,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,734,000 | 272 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-3,094,480 | 8,264 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,467,000 | 1,875 |
| Total interest expense | $3,416,000 | 1,373 |
| Net interest income | $2,051,000 | 2,652 |
| Provision for loan and lease losses | $2,537,000 | 337 |
| Total noninterest income | $64,000 | 6,259 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $151,000 | 2,601 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-87,000 | 8,453 |
| Total noninterest expense | $2,560,000 | 1,869 |
| Salaries and employee benefits | $1,425,000 | 1,846 |
| Premises and equipment expense | $500,000 | 1,390 |
| Additional noninterest expense | $635,000 | 2,201 |
| Pre-tax net operating income | $-2,982,000 | 8,399 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-1,153,000 | 8,404 |
| Income before extraordinary items | $-1,829,000 | 8,376 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,829,000 | 8,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,596,000 | 175 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,829,000 | 8,372 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $28,497,000 | 1,513 |
| Total interest expense | $14,671,000 | 1,371 |
| Net interest income | $13,826,000 | 1,634 |
| Provision for loan and lease losses | $6,418,000 | 338 |
| Total noninterest income | $1,012,000 | 3,514 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $715,000 | 2,330 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $297,000 | 4,265 |
| Total noninterest expense | $10,776,000 | 1,716 |
| Salaries and employee benefits | $6,012,000 | 1,667 |
| Premises and equipment expense | $1,803,000 | 1,482 |
| Additional noninterest expense | $2,961,000 | 1,862 |
| Pre-tax net operating income | $-2,356,000 | 8,319 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-1,159,000 | 8,418 |
| Income before extraordinary items | $-1,197,000 | 8,166 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,197,000 | 8,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,508,000 | 750 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,197,000 | 8,158 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,227,000 | 1,453 |
| Total interest expense | $10,927,000 | 1,376 |
| Net interest income | $11,300,000 | 1,517 |
| Provision for loan and lease losses | $2,053,000 | 512 |
| Total noninterest income | $874,000 | 3,196 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $546,000 | 2,277 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $328,000 | 3,575 |
| Total noninterest expense | $8,094,000 | 1,703 |
| Salaries and employee benefits | $4,586,000 | 1,644 |
| Premises and equipment expense | $1,369,000 | 1,457 |
| Additional noninterest expense | $2,139,000 | 1,885 |
| Pre-tax net operating income | $2,027,000 | 2,802 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $564,000 | 2,381 |
| Income before extraordinary items | $1,463,000 | 3,024 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,463,000 | 3,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $434,000 | 1,196 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,463,000 | 3,005 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,771,000 | 1,475 |
| Total interest expense | $7,232,000 | 1,389 |
| Net interest income | $7,539,000 | 1,532 |
| Provision for loan and lease losses | $992,000 | 591 |
| Total noninterest income | $622,000 | 3,076 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $369,000 | 2,258 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $253,000 | 3,322 |
| Total noninterest expense | $5,347,000 | 1,729 |
| Salaries and employee benefits | $3,070,000 | 1,670 |
| Premises and equipment expense | $914,000 | 1,458 |
| Additional noninterest expense | $1,363,000 | 1,979 |
| Pre-tax net operating income | $1,822,000 | 2,321 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $552,000 | 1,939 |
| Income before extraordinary items | $1,270,000 | 2,523 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,270,000 | 2,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 1,418 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,270,000 | 2,507 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,278,000 | 1,493 |
| Total interest expense | $3,536,000 | 1,409 |
| Net interest income | $3,742,000 | 1,535 |
| Provision for loan and lease losses | $373,000 | 664 |
| Total noninterest income | $274,000 | 3,317 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $169,000 | 2,368 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $105,000 | 3,680 |
| Total noninterest expense | $2,710,000 | 1,717 |
| Salaries and employee benefits | $1,605,000 | 1,616 |
| Premises and equipment expense | $449,000 | 1,488 |
| Additional noninterest expense | $656,000 | 2,000 |
| Pre-tax net operating income | $933,000 | 2,288 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $284,000 | 1,920 |
| Income before extraordinary items | $649,000 | 2,481 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $649,000 | 2,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,972 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $649,000 | 2,455 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $27,302,000 | 1,461 |
| Total interest expense | $12,125,000 | 1,384 |
| Net interest income | $15,177,000 | 1,505 |
| Provision for loan and lease losses | $2,877,000 | 389 |
| Total noninterest income | $1,656,000 | 2,525 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $630,000 | 2,588 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,026,000 | 2,182 |
| Total noninterest expense | $9,832,000 | 1,812 |
| Salaries and employee benefits | $5,608,000 | 1,740 |
| Premises and equipment expense | $1,669,000 | 1,542 |
| Additional noninterest expense | $2,555,000 | 2,061 |
| Pre-tax net operating income | $4,124,000 | 2,212 |
| Securities gains (losses) | $41,000 | 726 |
| Applicable income taxes | $1,101,000 | 2,067 |
| Income before extraordinary items | $3,064,000 | 2,243 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,064,000 | 2,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,827,000 | 291 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,033,660 | 2,244 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,855,000 | 1,498 |
| Total interest expense | $8,641,000 | 1,414 |
| Net interest income | $11,214,000 | 1,542 |
| Provision for loan and lease losses | $1,884,000 | 421 |
| Total noninterest income | $1,303,000 | 2,468 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $453,000 | 2,668 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $850,000 | 2,042 |
| Total noninterest expense | $7,181,000 | 1,849 |
| Salaries and employee benefits | $4,046,000 | 1,817 |
| Premises and equipment expense | $1,260,000 | 1,544 |
| Additional noninterest expense | $1,875,000 | 2,092 |
| Pre-tax net operating income | $3,452,000 | 2,091 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $927,000 | 1,983 |
| Income before extraordinary items | $2,525,000 | 2,132 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,525,000 | 2,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $639,000 | 665 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,525,000 | 2,121 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,747,000 | 1,519 |
| Total interest expense | $5,427,000 | 1,422 |
| Net interest income | $7,320,000 | 1,580 |
| Provision for loan and lease losses | $1,044,000 | 493 |
| Total noninterest income | $773,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $289,000 | 2,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $484,000 | 2,260 |
| Total noninterest expense | $4,690,000 | 1,891 |
| Salaries and employee benefits | $2,615,000 | 1,869 |
| Premises and equipment expense | $839,000 | 1,550 |
| Additional noninterest expense | $1,236,000 | 2,114 |
| Pre-tax net operating income | $2,359,000 | 2,051 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $681,000 | 1,877 |
| Income before extraordinary items | $1,678,000 | 2,140 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,678,000 | 2,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $679,000 | 453 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,678,000 | 2,123 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,020,000 | 1,575 |
| Total interest expense | $2,595,000 | 1,420 |
| Net interest income | $3,425,000 | 1,683 |
| Provision for loan and lease losses | $365,000 | 665 |
| Total noninterest income | $272,000 | 3,283 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $124,000 | 3,011 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $148,000 | 2,988 |
| Total noninterest expense | $2,350,000 | 1,900 |
| Salaries and employee benefits | $1,277,000 | 1,924 |
| Premises and equipment expense | $419,000 | 1,552 |
| Additional noninterest expense | $654,000 | 1,989 |
| Pre-tax net operating income | $982,000 | 2,305 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $308,000 | 1,986 |
| Income before extraordinary items | $674,000 | 2,519 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $674,000 | 2,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 448 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $674,000 | 2,503 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,165,000 | 1,750 |
| Total interest expense | $7,422,000 | 1,529 |
| Net interest income | $11,743,000 | 1,879 |
| Provision for loan and lease losses | $1,416,000 | 763 |
| Total noninterest income | $623,000 | 4,697 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $444,000 | 3,306 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $179,000 | 5,389 |
| Total noninterest expense | $7,821,000 | 2,133 |
| Salaries and employee benefits | $4,479,000 | 2,054 |
| Premises and equipment expense | $1,247,000 | 1,928 |
| Additional noninterest expense | $2,095,000 | 2,379 |
| Pre-tax net operating income | $3,129,000 | 2,664 |
| Securities gains (losses) | $106,000 | 683 |
| Applicable income taxes | $1,025,000 | 2,233 |
| Income before extraordinary items | $2,210,000 | 2,835 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,210,000 | 2,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 1,315 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,137,920 | 2,898 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,585,000 | 1,807 |
| Total interest expense | $5,194,000 | 1,546 |
| Net interest income | $8,391,000 | 1,972 |
| Provision for loan and lease losses | $1,068,000 | 718 |
| Total noninterest income | $393,000 | 5,159 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $313,000 | 3,463 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $80,000 | 6,318 |
| Total noninterest expense | $5,782,000 | 2,142 |
| Salaries and employee benefits | $3,298,000 | 2,078 |
| Premises and equipment expense | $896,000 | 1,996 |
| Additional noninterest expense | $1,588,000 | 2,321 |
| Pre-tax net operating income | $1,934,000 | 3,132 |
| Securities gains (losses) | $106,000 | 641 |
| Applicable income taxes | $651,000 | 2,507 |
| Income before extraordinary items | $1,389,000 | 3,327 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,389,000 | 3,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $423,000 | 951 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,316,920 | 3,414 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,508,000 | 1,878 |
| Total interest expense | $3,164,000 | 1,599 |
| Net interest income | $5,344,000 | 2,040 |
| Provision for loan and lease losses | $723,000 | 696 |
| Total noninterest income | $246,000 | 5,255 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $200,000 | 3,514 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $46,000 | 6,538 |
| Total noninterest expense | $3,820,000 | 2,142 |
| Salaries and employee benefits | $2,159,000 | 2,100 |
| Premises and equipment expense | $584,000 | 2,027 |
| Additional noninterest expense | $1,077,000 | 2,272 |
| Pre-tax net operating income | $1,047,000 | 3,588 |
| Securities gains (losses) | $62,000 | 723 |
| Applicable income taxes | $345,000 | 2,846 |
| Income before extraordinary items | $764,000 | 3,746 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $764,000 | 3,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 747 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $721,220 | 3,862 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,958,000 | 1,965 |
| Total interest expense | $1,403,000 | 1,707 |
| Net interest income | $2,555,000 | 2,115 |
| Provision for loan and lease losses | $305,000 | 747 |
| Total noninterest income | $171,000 | 4,372 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $90,000 | 3,686 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $81,000 | 4,172 |
| Total noninterest expense | $1,901,000 | 2,172 |
| Salaries and employee benefits | $1,048,000 | 2,170 |
| Premises and equipment expense | $271,000 | 2,196 |
| Additional noninterest expense | $582,000 | 2,107 |
| Pre-tax net operating income | $520,000 | 3,572 |
| Securities gains (losses) | $4,000 | 1,261 |
| Applicable income taxes | $167,000 | 2,908 |
| Income before extraordinary items | $357,000 | 3,917 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $357,000 | 3,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 712 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $354,280 | 3,882 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,564,000 | 2,107 |
| Total interest expense | $4,493,000 | 1,810 |
| Net interest income | $9,071,000 | 2,253 |
| Provision for loan and lease losses | $1,031,000 | 1,010 |
| Total noninterest income | $562,000 | 4,975 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $343,000 | 3,986 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $219,000 | 4,918 |
| Total noninterest expense | $5,881,000 | 2,701 |
| Salaries and employee benefits | $3,426,000 | 2,544 |
| Premises and equipment expense | $814,000 | 2,746 |
| Additional noninterest expense | $1,641,000 | 2,904 |
| Pre-tax net operating income | $2,721,000 | 2,803 |
| Securities gains (losses) | $85,000 | 1,360 |
| Applicable income taxes | $900,000 | 2,339 |
| Income before extraordinary items | $1,906,000 | 3,042 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,906,000 | 3,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $434,000 | 1,501 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,848,200 | 3,058 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,850,000 | 2,170 |
| Total interest expense | $3,191,000 | 1,876 |
| Net interest income | $6,659,000 | 2,270 |
| Provision for loan and lease losses | $693,000 | 1,094 |
| Total noninterest income | $375,000 | 5,293 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $251,000 | 4,094 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $124,000 | 5,505 |
| Total noninterest expense | $4,114,000 | 2,845 |
| Salaries and employee benefits | $2,458,000 | 2,609 |
| Premises and equipment expense | $570,000 | 2,916 |
| Additional noninterest expense | $1,086,000 | 3,185 |
| Pre-tax net operating income | $2,227,000 | 2,629 |
| Securities gains (losses) | $85,000 | 1,292 |
| Applicable income taxes | $774,000 | 2,153 |
| Income before extraordinary items | $1,538,000 | 2,888 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,538,000 | 2,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,481,050 | 2,902 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,319,000 | 2,213 |
| Total interest expense | $2,044,000 | 1,937 |
| Net interest income | $4,275,000 | 2,334 |
| Provision for loan and lease losses | $448,000 | 1,127 |
| Total noninterest income | $249,000 | 5,299 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $164,000 | 4,129 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $85,000 | 5,489 |
| Total noninterest expense | $2,500,000 | 3,093 |
| Salaries and employee benefits | $1,518,000 | 2,801 |
| Premises and equipment expense | $330,000 | 3,291 |
| Additional noninterest expense | $652,000 | 3,500 |
| Pre-tax net operating income | $1,576,000 | 2,483 |
| Securities gains (losses) | $49,000 | 1,478 |
| Applicable income taxes | $549,000 | 2,060 |
| Income before extraordinary items | $1,076,000 | 2,764 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,076,000 | 2,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,834 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,043,660 | 2,754 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,017,000 | 2,333 |
| Total interest expense | $978,000 | 2,032 |
| Net interest income | $2,039,000 | 2,445 |
| Provision for loan and lease losses | $153,000 | 1,395 |
| Total noninterest income | $117,000 | 5,396 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $74,000 | 4,298 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $43,000 | 5,417 |
| Total noninterest expense | $1,137,000 | 3,391 |
| Salaries and employee benefits | $687,000 | 3,080 |
| Premises and equipment expense | $154,000 | 3,516 |
| Additional noninterest expense | $296,000 | 3,780 |
| Pre-tax net operating income | $866,000 | 2,276 |
| Securities gains (losses) | $49,000 | 1,209 |
| Applicable income taxes | $313,000 | 1,861 |
| Income before extraordinary items | $602,000 | 2,482 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $602,000 | 2,483 |
| 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 | $569,660 | 2,545 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,095,000 | 3,085 |
| Total interest expense | $3,106,000 | 2,776 |
| Net interest income | $5,989,000 | 3,194 |
| Provision for loan and lease losses | $420,000 | 2,478 |
| Total noninterest income | $410,000 | 5,916 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $295,000 | 4,334 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $115,000 | 6,296 |
| Total noninterest expense | $3,717,000 | 3,913 |
| Salaries and employee benefits | $2,143,000 | 3,705 |
| Premises and equipment expense | $511,000 | 3,999 |
| Additional noninterest expense | $1,063,000 | 4,084 |
| Pre-tax net operating income | $2,262,000 | 3,105 |
| Securities gains (losses) | $270,000 | 1,120 |
| Applicable income taxes | $851,000 | 2,423 |
| Income before extraordinary items | $1,681,000 | 3,264 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,681,000 | 3,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,474 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,502,800 | 3,401 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,359,000 | 3,308 |
| Total interest expense | $2,176,000 | 3,053 |
| Net interest income | $4,183,000 | 3,391 |
| Provision for loan and lease losses | $310,000 | 2,456 |
| Total noninterest income | $339,000 | 5,742 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $213,000 | 4,446 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $126,000 | 5,660 |
| Total noninterest expense | $2,658,000 | 4,050 |
| Salaries and employee benefits | $1,480,000 | 3,964 |
| Premises and equipment expense | $382,000 | 3,994 |
| Additional noninterest expense | $796,000 | 4,074 |
| Pre-tax net operating income | $1,554,000 | 3,451 |
| Securities gains (losses) | $57,000 | 2,204 |
| Applicable income taxes | $557,000 | 2,821 |
| Income before extraordinary items | $1,054,000 | 3,861 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,054,000 | 3,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,704 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,016,950 | 3,784 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,957,000 | 3,552 |
| Total interest expense | $1,316,000 | 3,408 |
| Net interest income | $2,641,000 | 3,545 |
| Provision for loan and lease losses | $155,000 | 2,947 |
| Total noninterest income | $209,000 | 5,896 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $135,000 | 4,548 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $74,000 | 5,881 |
| Total noninterest expense | $1,666,000 | 4,272 |
| Salaries and employee benefits | $925,000 | 4,165 |
| Premises and equipment expense | $244,000 | 4,124 |
| Additional noninterest expense | $497,000 | 4,265 |
| Pre-tax net operating income | $1,029,000 | 3,462 |
| Securities gains (losses) | $41,000 | 2,157 |
| Applicable income taxes | $374,000 | 2,823 |
| Income before extraordinary items | $696,000 | 3,883 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $696,000 | 3,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,900 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $669,350 | 3,810 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,896,000 | 3,686 |
| Total interest expense | $624,000 | 3,630 |
| Net interest income | $1,272,000 | 3,646 |
| Provision for loan and lease losses | $70,000 | 3,059 |
| Total noninterest income | $116,000 | 5,535 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $71,000 | 4,347 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $45,000 | 5,466 |
| Total noninterest expense | $789,000 | 4,406 |
| Salaries and employee benefits | $441,000 | 4,307 |
| Premises and equipment expense | $114,000 | 4,333 |
| Additional noninterest expense | $234,000 | 4,436 |
| Pre-tax net operating income | $529,000 | 3,367 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $201,000 | 2,692 |
| Income before extraordinary items | $328,000 | 3,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $328,000 | 3,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,180 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $328,000 | 3,804 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,930,000 | 4,080 |
| Total interest expense | $2,393,000 | 4,247 |
| Net interest income | $4,537,000 | 3,964 |
| Provision for loan and lease losses | $358,000 | 3,089 |
| Total noninterest income | $304,000 | 6,428 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $209,000 | 5,101 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $95,000 | 6,547 |
| Total noninterest expense | $2,785,000 | 4,701 |
| Salaries and employee benefits | $1,535,000 | 4,612 |
| Premises and equipment expense | $415,000 | 4,517 |
| Additional noninterest expense | $835,000 | 4,783 |
| Pre-tax net operating income | $1,698,000 | 3,795 |
| Securities gains (losses) | $51,000 | 2,387 |
| Applicable income taxes | $626,000 | 3,050 |
| Income before extraordinary items | $1,123,000 | 4,270 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,123,000 | 4,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,227 |
| Cash dividends | $93,000 | 5,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,090,360 | 4,243 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,860,000 | 5,048 |
| Total interest expense | $2,913,000 | 4,841 |
| Net interest income | $2,947,000 | 5,145 |
| Provision for loan and lease losses | $389,000 | 2,689 |
| Total noninterest income | $210,000 | 7,211 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $114,000 | 6,337 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $96,000 | 6,520 |
| Total noninterest expense | $2,157,000 | 5,457 |
| Salaries and employee benefits | $1,167,000 | 5,430 |
| Premises and equipment expense | $363,000 | 4,913 |
| Additional noninterest expense | $627,000 | 5,681 |
| Pre-tax net operating income | $611,000 | 6,132 |
| Securities gains (losses) | $235,000 | 1,062 |
| Applicable income taxes | $48,000 | 6,752 |
| Income before extraordinary items | $798,000 | 4,879 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $798,000 | 4,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $577,100 | 5,595 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,936,000 | 8,468 |
| Total interest expense | $1,066,000 | 8,094 |
| Net interest income | $870,000 | 8,752 |
| Provision for loan and lease losses | $420,000 | 2,181 |
| Total noninterest income | $43,000 | 9,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 8,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 8,923 |
| Total noninterest expense | $893,000 | 8,314 |
| Salaries and employee benefits | $486,000 | 8,316 |
| Premises and equipment expense | $127,000 | 7,974 |
| Additional noninterest expense | $280,000 | 8,105 |
| Pre-tax net operating income | $-400,000 | 9,478 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-400,000 | 9,515 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-400,000 | 9,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $7,832,000 | 100 |
| Net operating income | $-400,000 | 9,516 |
* 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.