Home > Southland Bank b/b/a Ameris > Income and Expense
Southland Bank b/b/a Ameris, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,552,000 | 2,278 |
| Total interest expense | $5,750,000 | 1,956 |
| Net interest income | $8,802,000 | 2,481 |
| Provision for loan and lease losses | $516,000 | 1,852 |
| Total noninterest income | $1,573,000 | 2,612 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,403,000 | 1,266 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $170,000 | 5,505 |
| Total noninterest expense | $5,323,000 | 3,067 |
| Salaries and employee benefits | $2,385,000 | 3,617 |
| Premises and equipment expense | $475,000 | 4,327 |
| Additional noninterest expense | $2,463,000 | 2,040 |
| Pre-tax net operating income | $4,536,000 | 2,013 |
| Securities gains (losses) | $-31,000 | 8,009 |
| Applicable income taxes | $1,577,000 | 1,650 |
| Income before extraordinary items | $2,928,000 | 2,296 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,928,000 | 2,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 1,975 |
| Cash dividends | $1,600,000 | 1,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,948,150 | 2,239 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,362,000 | 2,340 |
| Total interest expense | $3,887,000 | 2,039 |
| Net interest income | $6,475,000 | 2,503 |
| Provision for loan and lease losses | $356,000 | 1,914 |
| Total noninterest income | $1,158,000 | 2,649 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,062,000 | 1,237 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $96,000 | 6,008 |
| Total noninterest expense | $3,932,000 | 3,081 |
| Salaries and employee benefits | $1,744,000 | 3,659 |
| Premises and equipment expense | $336,000 | 4,483 |
| Additional noninterest expense | $1,852,000 | 2,008 |
| Pre-tax net operating income | $3,345,000 | 2,053 |
| Securities gains (losses) | $22,000 | 1,196 |
| Applicable income taxes | $1,139,000 | 1,712 |
| Income before extraordinary items | $2,228,000 | 2,288 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,228,000 | 2,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-125,000 | 8,671 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,213,480 | 2,260 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,719,000 | 2,344 |
| Total interest expense | $2,517,000 | 1,979 |
| Net interest income | $4,202,000 | 2,542 |
| Provision for loan and lease losses | $241,000 | 1,834 |
| Total noninterest income | $803,000 | 2,530 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $733,000 | 1,165 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $70,000 | 5,870 |
| Total noninterest expense | $2,552,000 | 3,130 |
| Salaries and employee benefits | $1,105,000 | 3,796 |
| Premises and equipment expense | $213,000 | 4,605 |
| Additional noninterest expense | $1,234,000 | 1,989 |
| Pre-tax net operating income | $2,212,000 | 2,027 |
| Securities gains (losses) | $22,000 | 1,077 |
| Applicable income taxes | $756,000 | 1,694 |
| Income before extraordinary items | $1,478,000 | 2,259 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,478,000 | 2,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,785 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,463,480 | 2,244 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,212,000 | 2,400 |
| Total interest expense | $1,249,000 | 1,898 |
| Net interest income | $1,963,000 | 2,685 |
| Provision for loan and lease losses | $133,000 | 1,618 |
| Total noninterest income | $417,000 | 2,428 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $358,000 | 1,154 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $59,000 | 4,816 |
| Total noninterest expense | $1,188,000 | 3,336 |
| Salaries and employee benefits | $481,000 | 4,218 |
| Premises and equipment expense | $98,000 | 4,931 |
| Additional noninterest expense | $609,000 | 2,012 |
| Pre-tax net operating income | $1,059,000 | 2,067 |
| Securities gains (losses) | $22,000 | 766 |
| Applicable income taxes | $366,000 | 1,713 |
| Income before extraordinary items | $715,000 | 2,287 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $715,000 | 2,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,618 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $700,480 | 2,291 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,840,000 | 2,621 |
| Total interest expense | $3,544,000 | 2,285 |
| Net interest income | $7,296,000 | 2,775 |
| Provision for loan and lease losses | $609,000 | 1,625 |
| Total noninterest income | $1,239,000 | 3,054 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,332,000 | 1,331 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-93,000 | 8,964 |
| Total noninterest expense | $4,523,000 | 3,398 |
| Salaries and employee benefits | $1,714,000 | 4,494 |
| Premises and equipment expense | $417,000 | 4,631 |
| Additional noninterest expense | $2,392,000 | 2,045 |
| Pre-tax net operating income | $3,403,000 | 2,323 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,186,000 | 1,919 |
| Income before extraordinary items | $2,217,000 | 2,676 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,217,000 | 2,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 2,284 |
| Cash dividends | $1,000,000 | 2,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,217,000 | 2,624 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,877,000 | 2,674 |
| Total interest expense | $2,504,000 | 2,362 |
| Net interest income | $5,373,000 | 2,798 |
| Provision for loan and lease losses | $617,000 | 1,210 |
| Total noninterest income | $986,000 | 2,962 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $976,000 | 1,365 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 8,467 |
| Total noninterest expense | $3,433,000 | 3,344 |
| Salaries and employee benefits | $1,331,000 | 4,347 |
| Premises and equipment expense | $315,000 | 4,618 |
| Additional noninterest expense | $1,787,000 | 2,014 |
| Pre-tax net operating income | $2,309,000 | 2,559 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $778,000 | 2,140 |
| Income before extraordinary items | $1,531,000 | 2,902 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,531,000 | 2,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,121 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,531,000 | 2,832 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,183,000 | 2,695 |
| Total interest expense | $1,661,000 | 2,334 |
| Net interest income | $3,522,000 | 2,829 |
| Provision for loan and lease losses | $33,000 | 5,235 |
| Total noninterest income | $611,000 | 3,126 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $622,000 | 1,417 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-11,000 | 9,042 |
| Total noninterest expense | $2,269,000 | 3,398 |
| Salaries and employee benefits | $886,000 | 4,379 |
| Premises and equipment expense | $207,000 | 4,664 |
| Additional noninterest expense | $1,176,000 | 2,049 |
| Pre-tax net operating income | $1,831,000 | 2,205 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $618,000 | 1,886 |
| Income before extraordinary items | $1,213,000 | 2,503 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,213,000 | 2,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,563 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,213,000 | 2,438 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,642,000 | 2,638 |
| Total interest expense | $854,000 | 2,303 |
| Net interest income | $1,788,000 | 2,786 |
| Provision for loan and lease losses | $-49,000 | 9,001 |
| Total noninterest income | $266,000 | 3,377 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $309,000 | 1,388 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-43,000 | 9,106 |
| Total noninterest expense | $1,115,000 | 3,454 |
| Salaries and employee benefits | $449,000 | 4,362 |
| Premises and equipment expense | $97,000 | 4,884 |
| Additional noninterest expense | $569,000 | 2,077 |
| Pre-tax net operating income | $988,000 | 2,019 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $333,000 | 1,788 |
| Income before extraordinary items | $655,000 | 2,307 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $655,000 | 2,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $655,000 | 2,223 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,408,000 | 2,715 |
| Total interest expense | $3,859,000 | 2,291 |
| Net interest income | $6,549,000 | 2,934 |
| Provision for loan and lease losses | $234,000 | 3,734 |
| Total noninterest income | $2,091,000 | 2,255 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,153,000 | 1,493 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $938,000 | 2,483 |
| Total noninterest expense | $4,675,000 | 3,240 |
| Salaries and employee benefits | $1,775,000 | 4,307 |
| Premises and equipment expense | $466,000 | 4,282 |
| Additional noninterest expense | $2,434,000 | 1,973 |
| Pre-tax net operating income | $3,731,000 | 2,087 |
| Securities gains (losses) | $-13,000 | 8,809 |
| Applicable income taxes | $1,257,000 | 1,871 |
| Income before extraordinary items | $2,461,000 | 2,402 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,461,000 | 2,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $589,000 | 1,410 |
| Cash dividends | $4,020,000 | 775 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,469,580 | 2,291 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,793,000 | 2,764 |
| Total interest expense | $3,010,000 | 2,287 |
| Net interest income | $4,783,000 | 3,017 |
| Provision for loan and lease losses | $224,000 | 3,149 |
| Total noninterest income | $1,398,000 | 2,475 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $853,000 | 1,522 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $545,000 | 2,976 |
| Total noninterest expense | $3,616,000 | 3,146 |
| Salaries and employee benefits | $1,406,000 | 4,141 |
| Premises and equipment expense | $350,000 | 4,266 |
| Additional noninterest expense | $1,860,000 | 1,923 |
| Pre-tax net operating income | $2,341,000 | 2,518 |
| Securities gains (losses) | $-6,000 | 8,888 |
| Applicable income taxes | $786,000 | 2,225 |
| Income before extraordinary items | $1,549,000 | 2,896 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,549,000 | 2,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 1,365 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,552,960 | 2,746 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,284,000 | 2,741 |
| Total interest expense | $2,166,000 | 2,205 |
| Net interest income | $3,118,000 | 3,076 |
| Provision for loan and lease losses | $123,000 | 3,423 |
| Total noninterest income | $1,114,000 | 2,181 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $546,000 | 1,558 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $568,000 | 2,256 |
| Total noninterest expense | $2,434,000 | 3,118 |
| Salaries and employee benefits | $930,000 | 4,147 |
| Premises and equipment expense | $233,000 | 4,269 |
| Additional noninterest expense | $1,271,000 | 1,887 |
| Pre-tax net operating income | $1,675,000 | 2,373 |
| Securities gains (losses) | $-6,000 | 9,006 |
| Applicable income taxes | $562,000 | 2,148 |
| Income before extraordinary items | $1,107,000 | 2,750 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,107,000 | 2,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 1,983 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,110,960 | 2,590 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,671,000 | 2,734 |
| Total interest expense | $1,142,000 | 2,141 |
| Net interest income | $1,529,000 | 3,125 |
| Provision for loan and lease losses | $41,000 | 4,084 |
| Total noninterest income | $552,000 | 2,127 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $258,000 | 1,588 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $294,000 | 2,141 |
| Total noninterest expense | $1,251,000 | 3,031 |
| Salaries and employee benefits | $491,000 | 3,958 |
| Premises and equipment expense | $117,000 | 4,253 |
| Additional noninterest expense | $643,000 | 1,836 |
| Pre-tax net operating income | $789,000 | 2,501 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $266,000 | 2,227 |
| Income before extraordinary items | $525,000 | 2,846 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $525,000 | 2,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,381 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $523,680 | 2,709 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,179,000 | 2,328 |
| Total interest expense | $5,466,000 | 2,057 |
| Net interest income | $7,713,000 | 2,481 |
| Provision for loan and lease losses | $3,055,000 | 538 |
| Total noninterest income | $1,749,000 | 2,362 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,150,000 | 1,408 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $599,000 | 2,963 |
| Total noninterest expense | $5,826,000 | 2,530 |
| Salaries and employee benefits | $2,145,000 | 3,527 |
| Premises and equipment expense | $553,000 | 3,651 |
| Additional noninterest expense | $3,128,000 | 1,512 |
| Pre-tax net operating income | $581,000 | 6,481 |
| Securities gains (losses) | $364,000 | 796 |
| Applicable income taxes | $319,000 | 4,337 |
| Income before extraordinary items | $626,000 | 5,859 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $626,000 | 5,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,497,000 | 494 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $385,760 | 6,781 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,164,000 | 2,128 |
| Total interest expense | $8,543,000 | 1,901 |
| Net interest income | $7,621,000 | 2,350 |
| Provision for loan and lease losses | $834,000 | 1,456 |
| Total noninterest income | $1,468,000 | 2,548 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,095,000 | 1,369 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $373,000 | 3,689 |
| Total noninterest expense | $5,859,000 | 2,431 |
| Salaries and employee benefits | $2,069,000 | 3,499 |
| Premises and equipment expense | $551,000 | 3,607 |
| Additional noninterest expense | $3,239,000 | 1,441 |
| Pre-tax net operating income | $2,396,000 | 2,751 |
| Securities gains (losses) | $222,000 | 1,111 |
| Applicable income taxes | $960,000 | 2,139 |
| Income before extraordinary items | $1,658,000 | 2,993 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,658,000 | 2,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $553,000 | 1,453 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,515,920 | 3,096 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,641,000 | 2,118 |
| Total interest expense | $8,803,000 | 1,960 |
| Net interest income | $7,838,000 | 2,269 |
| Provision for loan and lease losses | $592,000 | 1,649 |
| Total noninterest income | $1,291,000 | 2,611 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $968,000 | 1,407 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $323,000 | 3,761 |
| Total noninterest expense | $6,017,000 | 2,274 |
| Salaries and employee benefits | $2,187,000 | 3,208 |
| Premises and equipment expense | $662,000 | 3,017 |
| Additional noninterest expense | $3,168,000 | 1,413 |
| Pre-tax net operating income | $2,520,000 | 2,747 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $883,000 | 2,346 |
| Income before extraordinary items | $1,637,000 | 3,025 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,637,000 | 3,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $686,000 | 987 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,637,000 | 3,019 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,893,000 | 2,346 |
| Total interest expense | $6,679,000 | 2,209 |
| Net interest income | $7,214,000 | 2,445 |
| Provision for loan and lease losses | $630,000 | 1,445 |
| Total noninterest income | $1,231,000 | 2,649 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $888,000 | 1,473 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $343,000 | 3,726 |
| Total noninterest expense | $5,496,000 | 2,463 |
| Salaries and employee benefits | $2,122,000 | 3,249 |
| Premises and equipment expense | $656,000 | 3,034 |
| Additional noninterest expense | $2,718,000 | 1,642 |
| Pre-tax net operating income | $2,319,000 | 2,975 |
| Securities gains (losses) | $-17,000 | 9,494 |
| Applicable income taxes | $786,000 | 2,679 |
| Income before extraordinary items | $1,516,000 | 3,214 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,516,000 | 3,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 1,219 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,527,220 | 3,156 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,124,000 | 2,476 |
| Total interest expense | $6,914,000 | 2,189 |
| Net interest income | $6,210,000 | 2,766 |
| Provision for loan and lease losses | $1,246,000 | 798 |
| Total noninterest income | $1,544,000 | 2,226 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $859,000 | 1,465 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $685,000 | 2,429 |
| Total noninterest expense | $5,494,000 | 2,384 |
| Salaries and employee benefits | $2,001,000 | 3,334 |
| Premises and equipment expense | $649,000 | 2,966 |
| Additional noninterest expense | $2,844,000 | 1,520 |
| Pre-tax net operating income | $1,014,000 | 5,371 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $416,000 | 4,319 |
| Income before extraordinary items | $598,000 | 6,069 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $598,000 | 6,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $861,000 | 847 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $598,000 | 5,958 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,009,000 | 2,723 |
| Total interest expense | $6,288,000 | 2,393 |
| Net interest income | $5,721,000 | 3,048 |
| Provision for loan and lease losses | $608,000 | 1,493 |
| Total noninterest income | $1,455,000 | 2,258 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $820,000 | 1,586 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $635,000 | 2,379 |
| Total noninterest expense | $5,128,000 | 2,506 |
| Salaries and employee benefits | $2,146,000 | 3,084 |
| Premises and equipment expense | $679,000 | 2,822 |
| Additional noninterest expense | $2,303,000 | 1,850 |
| Pre-tax net operating income | $1,440,000 | 4,642 |
| Securities gains (losses) | $19,000 | 1,923 |
| Applicable income taxes | $580,000 | 3,787 |
| Income before extraordinary items | $879,000 | 5,124 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $879,000 | 5,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,828 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $866,840 | 5,134 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,554,000 | 5,481 |
| Total interest expense | $2,856,000 | 4,995 |
| Net interest income | $2,698,000 | 5,884 |
| Provision for loan and lease losses | $260,000 | 2,872 |
| Total noninterest income | $831,000 | 3,599 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $413,000 | 3,250 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $418,000 | 3,311 |
| Total noninterest expense | $2,356,000 | 5,252 |
| Salaries and employee benefits | $1,208,000 | 5,169 |
| Premises and equipment expense | $366,000 | 4,870 |
| Additional noninterest expense | $782,000 | 5,292 |
| Pre-tax net operating income | $913,000 | 6,045 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $383,000 | 5,029 |
| Income before extraordinary items | $530,000 | 6,697 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $530,000 | 6,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 3,092 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $5,963,000 | 118 |
| Net operating income | $530,000 | 6,640 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,033,000 | 3,607 |
| Total interest expense | $4,628,000 | 3,235 |
| Net interest income | $4,405,000 | 3,976 |
| Provision for loan and lease losses | $72,000 | 5,348 |
| Total noninterest income | $1,675,000 | 2,116 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $668,000 | 2,024 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,007,000 | 1,793 |
| Total noninterest expense | $4,133,000 | 3,222 |
| Salaries and employee benefits | $2,070,000 | 3,203 |
| Premises and equipment expense | $590,000 | 3,247 |
| Additional noninterest expense | $1,473,000 | 3,135 |
| Pre-tax net operating income | $1,875,000 | 3,702 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $676,000 | 3,337 |
| Income before extraordinary items | $1,197,000 | 3,969 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,197,000 | 3,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,743 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,198,280 | 3,952 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,372,000 | 4,031 |
| Total interest expense | $3,477,000 | 3,474 |
| Net interest income | $3,895,000 | 4,493 |
| Provision for loan and lease losses | $582,000 | 1,374 |
| Total noninterest income | $1,384,000 | 2,444 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $637,000 | 2,119 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $747,000 | 2,235 |
| Total noninterest expense | $4,681,000 | 2,955 |
| Salaries and employee benefits | $1,996,000 | 3,286 |
| Premises and equipment expense | $707,000 | 2,803 |
| Additional noninterest expense | $1,978,000 | 2,607 |
| Pre-tax net operating income | $16,000 | 12,035 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-63,000 | 12,246 |
| Income before extraordinary items | $79,000 | 11,575 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $79,000 | 11,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,190 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $79,000 | 11,620 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,976,000 | 4,325 |
| Total interest expense | $3,160,000 | 3,945 |
| Net interest income | $3,816,000 | 4,596 |
| Provision for loan and lease losses | $536,000 | 2,003 |
| Total noninterest income | $2,195,000 | 1,845 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $782,000 | 1,747 |
| Trading account gains and fees | $112,000 | 259 |
| Additional Noninterest Income | $1,301,000 | 1,715 |
| Total noninterest expense | $4,441,000 | 3,153 |
| Salaries and employee benefits | $1,883,000 | 3,464 |
| Premises and equipment expense | $580,000 | 3,431 |
| Additional noninterest expense | $1,978,000 | 2,764 |
| Pre-tax net operating income | $1,034,000 | 5,759 |
| Securities gains (losses) | $36,000 | 3,866 |
| Applicable income taxes | $376,000 | 5,226 |
| Income before extraordinary items | $694,000 | 6,154 |
| Extraordinary gains, net | $49,000 | 2,196 |
| Net income | $743,000 | 6,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $534,000 | 1,698 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $670,600 | 6,060 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,971,000 | 4,840 |
| Total interest expense | $3,501,000 | 4,541 |
| Net interest income | $3,470,000 | 5,046 |
| Provision for loan and lease losses | $484,000 | 3,079 |
| Total noninterest income | $1,517,000 | 2,372 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $878,000 | 1,540 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $639,000 | 2,708 |
| Total noninterest expense | $3,959,000 | 3,536 |
| Salaries and employee benefits | $1,595,000 | 4,000 |
| Premises and equipment expense | $693,000 | 2,942 |
| Additional noninterest expense | $1,671,000 | 3,269 |
| Pre-tax net operating income | $544,000 | 8,104 |
| Securities gains (losses) | $349,000 | 1,399 |
| Applicable income taxes | $367,000 | 5,132 |
| Income before extraordinary items | $526,000 | 7,120 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $526,000 | 7,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 3,493 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $302,640 | 8,909 |
* 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.