Home > State Bank and Trust > Income and Expense
State Bank and Trust, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,762,000 | 3,632 |
| Total interest expense | $2,012,000 | 3,356 |
| Net interest income | $2,750,000 | 3,785 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $256,000 | 5,092 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $109,000 | 4,821 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $147,000 | 4,350 |
| Total noninterest expense | $1,980,000 | 4,029 |
| Salaries and employee benefits | $1,241,000 | 3,644 |
| Premises and equipment expense | $313,000 | 3,643 |
| Additional noninterest expense | $426,000 | 5,003 |
| Pre-tax net operating income | $1,026,000 | 3,746 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $350,000 | 2,828 |
| Income before extraordinary items | $676,000 | 4,158 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $676,000 | 4,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $676,000 | 4,148 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,324,000 | 3,643 |
| Total interest expense | $956,000 | 3,363 |
| Net interest income | $1,368,000 | 3,801 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $115,000 | 5,302 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $52,000 | 4,862 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $956,000 | 4,136 |
| Salaries and employee benefits | $613,000 | 3,700 |
| Premises and equipment expense | $131,000 | 4,167 |
| Additional noninterest expense | $212,000 | 4,994 |
| Pre-tax net operating income | $527,000 | 3,614 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $177,000 | 2,781 |
| Income before extraordinary items | $350,000 | 4,021 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $350,000 | 4,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $350,000 | 4,004 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,050,000 | 3,733 |
| Total interest expense | $2,895,000 | 3,440 |
| Net interest income | $5,155,000 | 3,870 |
| Provision for loan and lease losses | $80,000 | 5,115 |
| Total noninterest income | $557,000 | 4,985 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $228,000 | 4,773 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $329,000 | 4,137 |
| Total noninterest expense | $3,710,000 | 4,094 |
| Salaries and employee benefits | $2,201,000 | 3,841 |
| Premises and equipment expense | $331,000 | 5,461 |
| Additional noninterest expense | $1,178,000 | 3,914 |
| Pre-tax net operating income | $1,922,000 | 3,784 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $669,000 | 2,893 |
| Income before extraordinary items | $1,253,000 | 4,242 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,253,000 | 4,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,115 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 565 |
| Net operating income | $1,253,000 | 4,219 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,856,000 | 3,787 |
| Total interest expense | $2,067,000 | 3,424 |
| Net interest income | $3,789,000 | 3,911 |
| Provision for loan and lease losses | $80,000 | 4,606 |
| Total noninterest income | $381,000 | 5,222 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $173,000 | 4,778 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $208,000 | 4,530 |
| Total noninterest expense | $2,768,000 | 4,079 |
| Salaries and employee benefits | $1,637,000 | 3,849 |
| Premises and equipment expense | $240,000 | 5,556 |
| Additional noninterest expense | $891,000 | 3,838 |
| Pre-tax net operating income | $1,322,000 | 4,076 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $458,000 | 3,093 |
| Income before extraordinary items | $864,000 | 4,556 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $864,000 | 4,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,948 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 426 |
| Net operating income | $864,000 | 4,518 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,765,000 | 3,804 |
| Total interest expense | $1,300,000 | 3,419 |
| Net interest income | $2,465,000 | 3,967 |
| Provision for loan and lease losses | $80,000 | 3,732 |
| Total noninterest income | $252,000 | 5,199 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $115,000 | 4,738 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $137,000 | 4,512 |
| Total noninterest expense | $1,834,000 | 4,078 |
| Salaries and employee benefits | $1,071,000 | 3,878 |
| Premises and equipment expense | $272,000 | 3,901 |
| Additional noninterest expense | $491,000 | 4,434 |
| Pre-tax net operating income | $803,000 | 4,277 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $278,000 | 3,229 |
| Income before extraordinary items | $525,000 | 4,775 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $525,000 | 4,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,863 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 313 |
| Net operating income | $525,000 | 4,721 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,822,000 | 3,877 |
| Total interest expense | $596,000 | 3,518 |
| Net interest income | $1,226,000 | 3,993 |
| Provision for loan and lease losses | $42,000 | 3,553 |
| Total noninterest income | $111,000 | 5,463 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $52,000 | 4,904 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $59,000 | 4,816 |
| Total noninterest expense | $909,000 | 4,132 |
| Salaries and employee benefits | $536,000 | 3,879 |
| Premises and equipment expense | $133,000 | 4,011 |
| Additional noninterest expense | $240,000 | 4,489 |
| Pre-tax net operating income | $386,000 | 4,366 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $135,000 | 3,271 |
| Income before extraordinary items | $251,000 | 4,859 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $251,000 | 4,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,779 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 213 |
| Net operating income | $251,000 | 4,818 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,318,000 | 4,104 |
| Total interest expense | $1,999,000 | 3,657 |
| Net interest income | $4,319,000 | 4,248 |
| Provision for loan and lease losses | $168,000 | 4,049 |
| Total noninterest income | $405,000 | 5,764 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $240,000 | 4,827 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $165,000 | 5,503 |
| Total noninterest expense | $3,277,000 | 4,393 |
| Salaries and employee benefits | $1,897,000 | 4,174 |
| Premises and equipment expense | $517,000 | 3,982 |
| Additional noninterest expense | $863,000 | 4,843 |
| Pre-tax net operating income | $1,279,000 | 4,633 |
| Securities gains (losses) | $28,000 | 2,163 |
| Applicable income taxes | $445,000 | 3,529 |
| Income before extraordinary items | $862,000 | 5,088 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $862,000 | 5,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,368 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 656 |
| Net operating income | $843,520 | 5,072 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,573,000 | 4,189 |
| Total interest expense | $1,452,000 | 3,711 |
| Net interest income | $3,121,000 | 4,357 |
| Provision for loan and lease losses | $127,000 | 3,888 |
| Total noninterest income | $307,000 | 5,760 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $192,000 | 4,732 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $115,000 | 5,661 |
| Total noninterest expense | $2,428,000 | 4,409 |
| Salaries and employee benefits | $1,401,000 | 4,171 |
| Premises and equipment expense | $389,000 | 3,956 |
| Additional noninterest expense | $638,000 | 4,849 |
| Pre-tax net operating income | $873,000 | 4,968 |
| Securities gains (losses) | $28,000 | 2,085 |
| Applicable income taxes | $302,000 | 3,791 |
| Income before extraordinary items | $599,000 | 5,366 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $599,000 | 5,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,471 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 523 |
| Net operating income | $580,520 | 5,375 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,983,000 | 4,271 |
| Total interest expense | $935,000 | 3,804 |
| Net interest income | $2,048,000 | 4,403 |
| Provision for loan and lease losses | $84,000 | 3,858 |
| Total noninterest income | $192,000 | 5,910 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $124,000 | 4,796 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $68,000 | 5,903 |
| Total noninterest expense | $1,573,000 | 4,509 |
| Salaries and employee benefits | $894,000 | 4,343 |
| Premises and equipment expense | $260,000 | 3,958 |
| Additional noninterest expense | $419,000 | 4,901 |
| Pre-tax net operating income | $583,000 | 4,898 |
| Securities gains (losses) | $28,000 | 1,835 |
| Applicable income taxes | $207,000 | 3,708 |
| Income before extraordinary items | $404,000 | 5,297 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $404,000 | 5,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,762 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 408 |
| Net operating income | $385,520 | 5,324 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,473,000 | 4,324 |
| Total interest expense | $447,000 | 3,993 |
| Net interest income | $1,026,000 | 4,399 |
| Provision for loan and lease losses | $42,000 | 3,681 |
| Total noninterest income | $98,000 | 5,820 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $60,000 | 4,803 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $38,000 | 5,668 |
| Total noninterest expense | $799,000 | 4,488 |
| Salaries and employee benefits | $453,000 | 4,334 |
| Premises and equipment expense | $136,000 | 3,860 |
| Additional noninterest expense | $210,000 | 4,897 |
| Pre-tax net operating income | $283,000 | 4,953 |
| Securities gains (losses) | $28,000 | 1,532 |
| Applicable income taxes | $107,000 | 3,673 |
| Income before extraordinary items | $204,000 | 5,289 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $204,000 | 5,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 255 |
| Net operating income | $185,520 | 5,406 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,594,000 | 4,508 |
| Total interest expense | $1,860,000 | 4,246 |
| Net interest income | $3,734,000 | 4,592 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $463,000 | 5,621 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $221,000 | 5,043 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $242,000 | 4,909 |
| Total noninterest expense | $2,954,000 | 4,647 |
| Salaries and employee benefits | $1,679,000 | 4,475 |
| Premises and equipment expense | $481,000 | 4,190 |
| Additional noninterest expense | $794,000 | 5,070 |
| Pre-tax net operating income | $1,063,000 | 5,012 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $371,000 | 3,928 |
| Income before extraordinary items | $692,000 | 5,617 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $692,000 | 5,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,285 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $491,000 | 501 |
| Net operating income | $692,000 | 5,446 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,149,000 | 4,606 |
| Total interest expense | $1,413,000 | 4,323 |
| Net interest income | $2,736,000 | 4,675 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $381,000 | 5,435 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $165,000 | 5,079 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $216,000 | 4,638 |
| Total noninterest expense | $2,211,000 | 4,638 |
| Salaries and employee benefits | $1,240,000 | 4,508 |
| Premises and equipment expense | $360,000 | 4,184 |
| Additional noninterest expense | $611,000 | 4,943 |
| Pre-tax net operating income | $771,000 | 5,241 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $271,000 | 4,111 |
| Income before extraordinary items | $500,000 | 5,857 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $500,000 | 5,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,860 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $500,000 | 5,680 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,740,000 | 4,678 |
| Total interest expense | $954,000 | 4,402 |
| Net interest income | $1,786,000 | 4,738 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $259,000 | 5,369 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $108,000 | 5,080 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $151,000 | 4,563 |
| Total noninterest expense | $1,454,000 | 4,687 |
| Salaries and employee benefits | $792,000 | 4,647 |
| Premises and equipment expense | $236,000 | 4,233 |
| Additional noninterest expense | $426,000 | 4,785 |
| Pre-tax net operating income | $501,000 | 5,306 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $181,000 | 4,161 |
| Income before extraordinary items | $320,000 | 5,964 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $320,000 | 5,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $320,000 | 5,750 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,356,000 | 4,731 |
| Total interest expense | $493,000 | 4,381 |
| Net interest income | $863,000 | 4,833 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $125,000 | 5,350 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 4,963 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 4,607 |
| Total noninterest expense | $720,000 | 4,710 |
| Salaries and employee benefits | $391,000 | 4,684 |
| Premises and equipment expense | $114,000 | 4,333 |
| Additional noninterest expense | $215,000 | 4,716 |
| Pre-tax net operating income | $223,000 | 5,566 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $81,000 | 4,334 |
| Income before extraordinary items | $142,000 | 6,143 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $142,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $142,000 | 5,961 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,601,000 | 4,777 |
| Total interest expense | $2,154,000 | 4,579 |
| Net interest income | $3,447,000 | 4,801 |
| Provision for loan and lease losses | $284,000 | 3,588 |
| Total noninterest income | $450,000 | 5,485 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $180,000 | 5,464 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $270,000 | 4,483 |
| Total noninterest expense | $2,797,000 | 4,688 |
| Salaries and employee benefits | $1,469,000 | 4,765 |
| Premises and equipment expense | $448,000 | 4,272 |
| Additional noninterest expense | $880,000 | 4,613 |
| Pre-tax net operating income | $816,000 | 5,721 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $340,000 | 4,220 |
| Income before extraordinary items | $476,000 | 6,510 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $476,000 | 6,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,685 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $476,000 | 6,369 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,592,000 | 5,231 |
| Total interest expense | $2,965,000 | 4,776 |
| Net interest income | $2,627,000 | 5,553 |
| Provision for loan and lease losses | $336,000 | 2,983 |
| Total noninterest income | $309,000 | 6,343 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $141,000 | 5,922 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $168,000 | 5,289 |
| Total noninterest expense | $2,402,000 | 5,104 |
| Salaries and employee benefits | $1,132,000 | 5,535 |
| Premises and equipment expense | $436,000 | 4,331 |
| Additional noninterest expense | $834,000 | 4,659 |
| Pre-tax net operating income | $198,000 | 7,897 |
| Securities gains (losses) | $22,000 | 3,077 |
| Applicable income taxes | $42,000 | 6,847 |
| Income before extraordinary items | $178,000 | 7,875 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $178,000 | 7,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,857 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $160,180 | 7,853 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $0 | 9,899 |
| Total interest expense | $0 | 9,874 |
| Net interest income | $0 | 9,894 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $0 | 9,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 9,820 |
| Total noninterest expense | $0 | 9,901 |
| Salaries and employee benefits | $0 | 9,881 |
| Premises and equipment expense | $0 | 9,865 |
| Additional noninterest expense | $0 | 9,897 |
| Pre-tax net operating income | $0 | 9,116 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $0 | 9,152 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $0 | 9,150 |
| 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 | $3,235,000 | 290 |
| Net operating income | $0 | 9,139 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,901,000 | 7,495 |
| Total interest expense | $2,271,000 | 5,532 |
| Net interest income | $630,000 | 9,450 |
| Provision for loan and lease losses | $204,000 | 3,511 |
| Total noninterest income | $47,000 | 9,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 8,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 9,914 |
| Total noninterest expense | $1,563,000 | 6,620 |
| Salaries and employee benefits | $769,000 | 6,900 |
| Premises and equipment expense | $255,000 | 5,965 |
| Additional noninterest expense | $539,000 | 6,227 |
| Pre-tax net operating income | $-1,090,000 | 10,072 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-1,090,000 | 10,093 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,090,000 | 10,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $210,000 | 717 |
| Net operating income | $-1,090,000 | 10,083 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $152,000 | 10,384 |
| Total interest expense | $100,000 | 10,298 |
| Net interest income | $52,000 | 10,416 |
| Provision for loan and lease losses | $33,000 | 7,242 |
| Total noninterest income | $5,000 | 10,342 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,010 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,282 |
| Total noninterest expense | $605,000 | 9,411 |
| Salaries and employee benefits | $319,000 | 9,502 |
| Premises and equipment expense | $60,000 | 9,567 |
| Additional noninterest expense | $226,000 | 8,835 |
| Pre-tax net operating income | $-581,000 | 10,224 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-581,000 | 10,264 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-581,000 | 10,262 |
| 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 | $-581,000 | 10,238 |
* 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.