Home > Synovus Bank > Income and Expense
Synovus Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $14,966,000 | 514 |
| Total interest expense | $4,207,000 | 528 |
| Net interest income | $10,759,000 | 509 |
| Provision for loan and lease losses | $8,507,000 | 256 |
| Total noninterest income | $588,000 | 1,801 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $789,000 | 483 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-201,000 | 7,804 |
| Total noninterest expense | $11,484,000 | 451 |
| Salaries and employee benefits | $4,912,000 | 497 |
| Premises and equipment expense | $2,109,000 | 333 |
| Additional noninterest expense | $4,463,000 | 418 |
| Pre-tax net operating income | $-8,644,000 | 7,830 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $272,000 | 1,132 |
| Income before extraordinary items | $-8,916,000 | 7,840 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-8,916,000 | 7,841 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-8,916,000 | 7,841 |
| Net charge-offs | $5,634,000 | 306 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 521 |
| Net operating income | $-8,916,000 | 7,841 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $65,747,000 | 495 |
| Total interest expense | $27,470,000 | 408 |
| Net interest income | $38,277,000 | 567 |
| Provision for loan and lease losses | $102,694,000 | 147 |
| Total noninterest income | $599,000 | 4,372 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $3,437,000 | 488 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-2,838,000 | 7,973 |
| Total noninterest expense | $48,994,000 | 437 |
| Salaries and employee benefits | $20,744,000 | 465 |
| Premises and equipment expense | $9,861,000 | 284 |
| Additional noninterest expense | $18,389,000 | 469 |
| Pre-tax net operating income | $-112,812,000 | 7,936 |
| Securities gains (losses) | $689,000 | 688 |
| Applicable income taxes | $-28,769,000 | 7,944 |
| Income before extraordinary items | $-83,354,000 | 7,922 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-83,354,000 | 7,921 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-83,354,000 | 7,921 |
| Net charge-offs | $103,608,000 | 119 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $94,000 | 916 |
| Net operating income | $-83,863,860 | 7,919 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $50,153,000 | 503 |
| Total interest expense | $21,857,000 | 411 |
| Net interest income | $28,296,000 | 579 |
| Provision for loan and lease losses | $88,674,000 | 143 |
| Total noninterest income | $756,000 | 3,386 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,607,000 | 481 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-1,851,000 | 8,053 |
| Total noninterest expense | $37,628,000 | 434 |
| Salaries and employee benefits | $16,062,000 | 461 |
| Premises and equipment expense | $7,463,000 | 288 |
| Additional noninterest expense | $14,103,000 | 438 |
| Pre-tax net operating income | $-97,250,000 | 8,030 |
| Securities gains (losses) | $671,000 | 548 |
| Applicable income taxes | $-18,104,000 | 8,020 |
| Income before extraordinary items | $-78,475,000 | 8,016 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-78,475,000 | 8,015 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-78,475,000 | 8,015 |
| Net charge-offs | $91,267,000 | 107 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 897 |
| Net operating income | $-79,018,510 | 8,020 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $34,108,000 | 509 |
| Total interest expense | $14,854,000 | 430 |
| Net interest income | $19,254,000 | 575 |
| Provision for loan and lease losses | $37,175,000 | 196 |
| Total noninterest income | $1,134,000 | 1,994 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,744,000 | 474 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-610,000 | 8,096 |
| Total noninterest expense | $26,098,000 | 433 |
| Salaries and employee benefits | $11,048,000 | 452 |
| Premises and equipment expense | $4,728,000 | 309 |
| Additional noninterest expense | $10,322,000 | 421 |
| Pre-tax net operating income | $-42,885,000 | 8,090 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-15,166,000 | 8,118 |
| Income before extraordinary items | $-27,719,000 | 8,067 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-27,719,000 | 8,066 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-27,719,000 | 8,066 |
| Net charge-offs | $35,645,000 | 157 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $79,000 | 672 |
| Net operating income | $-27,719,000 | 8,062 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $17,170,000 | 516 |
| Total interest expense | $7,864,000 | 425 |
| Net interest income | $9,306,000 | 585 |
| Provision for loan and lease losses | $17,453,000 | 173 |
| Total noninterest income | $532,000 | 2,034 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $906,000 | 450 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-374,000 | 8,184 |
| Total noninterest expense | $11,586,000 | 445 |
| Salaries and employee benefits | $5,783,000 | 432 |
| Premises and equipment expense | $2,340,000 | 316 |
| Additional noninterest expense | $3,463,000 | 501 |
| Pre-tax net operating income | $-19,201,000 | 8,145 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-6,696,000 | 8,171 |
| Income before extraordinary items | $-12,505,000 | 8,133 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-12,505,000 | 8,133 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-12,505,000 | 8,133 |
| Net charge-offs | $15,037,000 | 153 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 444 |
| Net operating income | $-12,505,000 | 8,130 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $84,169,000 | 465 |
| Total interest expense | $40,471,000 | 399 |
| Net interest income | $43,698,000 | 498 |
| Provision for loan and lease losses | $57,882,000 | 168 |
| Total noninterest income | $-6,034,000 | 8,285 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,343,000 | 514 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-9,377,000 | 8,300 |
| Total noninterest expense | $217,224,000 | 137 |
| Salaries and employee benefits | $23,676,000 | 407 |
| Premises and equipment expense | $9,467,000 | 303 |
| Additional noninterest expense | $184,081,000 | 85 |
| Pre-tax net operating income | $-237,442,000 | 8,275 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-22,679,000 | 8,236 |
| Income before extraordinary items | $-214,763,000 | 8,264 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-214,763,000 | 8,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,017,000 | 127 |
| Cash dividends | $1,045,000 | 2,229 |
| Sale, conversion, retirement of capital stock, net | $202,000 | 772 |
| Net operating income | $-214,763,000 | 8,267 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $65,022,000 | 473 |
| Total interest expense | $31,623,000 | 401 |
| Net interest income | $33,399,000 | 505 |
| Provision for loan and lease losses | $42,759,000 | 146 |
| Total noninterest income | $-3,803,000 | 8,365 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,455,000 | 532 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-6,258,000 | 8,381 |
| Total noninterest expense | $37,898,000 | 421 |
| Salaries and employee benefits | $18,027,000 | 415 |
| Premises and equipment expense | $6,968,000 | 317 |
| Additional noninterest expense | $12,903,000 | 407 |
| Pre-tax net operating income | $-51,061,000 | 8,329 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-19,636,000 | 8,334 |
| Income before extraordinary items | $-31,425,000 | 8,302 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-31,425,000 | 8,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,262,000 | 123 |
| Cash dividends | $1,045,000 | 1,739 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 684 |
| Net operating income | $-31,425,000 | 8,315 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $44,032,000 | 467 |
| Total interest expense | $21,837,000 | 402 |
| Net interest income | $22,195,000 | 507 |
| Provision for loan and lease losses | $31,414,000 | 130 |
| Total noninterest income | $-3,570,000 | 8,437 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,565,000 | 549 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-5,135,000 | 8,453 |
| Total noninterest expense | $25,586,000 | 420 |
| Salaries and employee benefits | $12,250,000 | 417 |
| Premises and equipment expense | $4,514,000 | 327 |
| Additional noninterest expense | $8,822,000 | 395 |
| Pre-tax net operating income | $-38,375,000 | 8,408 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-14,722,000 | 8,409 |
| Income before extraordinary items | $-23,653,000 | 8,397 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-23,653,000 | 8,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,134,000 | 112 |
| Cash dividends | $1,045,000 | 1,348 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 520 |
| Net operating income | $-23,653,000 | 8,396 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $18,428,000 | 551 |
| Total interest expense | $8,155,000 | 577 |
| Net interest income | $10,273,000 | 538 |
| Provision for loan and lease losses | $2,556,000 | 335 |
| Total noninterest income | $1,097,000 | 1,236 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $737,000 | 577 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $360,000 | 1,740 |
| Total noninterest expense | $8,944,000 | 551 |
| Salaries and employee benefits | $4,612,000 | 551 |
| Premises and equipment expense | $1,678,000 | 422 |
| Additional noninterest expense | $2,654,000 | 567 |
| Pre-tax net operating income | $-130,000 | 7,631 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-67,000 | 8,073 |
| Income before extraordinary items | $-63,000 | 7,553 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-63,000 | 7,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $660,000 | 601 |
| Cash dividends | $249,000 | 2,115 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 394 |
| Net operating income | $-63,000 | 7,496 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $80,526,000 | 536 |
| Total interest expense | $37,263,000 | 541 |
| Net interest income | $43,263,000 | 526 |
| Provision for loan and lease losses | $10,081,000 | 252 |
| Total noninterest income | $2,751,000 | 1,746 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,568,000 | 681 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $183,000 | 5,239 |
| Total noninterest expense | $32,664,000 | 574 |
| Salaries and employee benefits | $17,393,000 | 556 |
| Premises and equipment expense | $5,398,000 | 496 |
| Additional noninterest expense | $9,873,000 | 587 |
| Pre-tax net operating income | $3,269,000 | 2,318 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,205,000 | 1,640 |
| Income before extraordinary items | $2,064,000 | 2,747 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,064,000 | 2,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,693,000 | 244 |
| Cash dividends | $2,429,000 | 1,410 |
| Sale, conversion, retirement of capital stock, net | $562,000 | 515 |
| Net operating income | $2,064,000 | 2,728 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $60,159,000 | 536 |
| Total interest expense | $28,082,000 | 540 |
| Net interest income | $32,077,000 | 529 |
| Provision for loan and lease losses | $6,684,000 | 209 |
| Total noninterest income | $3,525,000 | 1,145 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,920,000 | 670 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,605,000 | 1,315 |
| Total noninterest expense | $23,974,000 | 577 |
| Salaries and employee benefits | $13,048,000 | 562 |
| Premises and equipment expense | $3,803,000 | 524 |
| Additional noninterest expense | $7,123,000 | 589 |
| Pre-tax net operating income | $4,944,000 | 1,367 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,833,000 | 1,028 |
| Income before extraordinary items | $3,111,000 | 1,625 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,111,000 | 1,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,062,000 | 236 |
| Cash dividends | $2,429,000 | 1,049 |
| Sale, conversion, retirement of capital stock, net | $350,000 | 476 |
| Net operating income | $3,111,000 | 1,612 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $39,654,000 | 556 |
| Total interest expense | $18,399,000 | 557 |
| Net interest income | $21,255,000 | 546 |
| Provision for loan and lease losses | $2,190,000 | 304 |
| Total noninterest income | $2,458,000 | 1,139 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,288,000 | 677 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,170,000 | 1,249 |
| Total noninterest expense | $15,904,000 | 590 |
| Salaries and employee benefits | $8,836,000 | 568 |
| Premises and equipment expense | $2,381,000 | 572 |
| Additional noninterest expense | $4,687,000 | 607 |
| Pre-tax net operating income | $5,619,000 | 860 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,107,000 | 704 |
| Income before extraordinary items | $3,512,000 | 1,029 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,512,000 | 1,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,578,000 | 326 |
| Cash dividends | $2,429,000 | 754 |
| Sale, conversion, retirement of capital stock, net | $320,000 | 372 |
| Net operating income | $3,512,000 | 1,013 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $19,981,000 | 552 |
| Total interest expense | $9,210,000 | 544 |
| Net interest income | $10,771,000 | 539 |
| Provision for loan and lease losses | $1,875,000 | 193 |
| Total noninterest income | $1,210,000 | 1,127 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $592,000 | 714 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $618,000 | 1,170 |
| Total noninterest expense | $7,958,000 | 591 |
| Salaries and employee benefits | $4,458,000 | 571 |
| Premises and equipment expense | $1,176,000 | 580 |
| Additional noninterest expense | $2,324,000 | 601 |
| Pre-tax net operating income | $2,148,000 | 1,088 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $802,000 | 862 |
| Income before extraordinary items | $1,346,000 | 1,300 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,346,000 | 1,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 597 |
| Cash dividends | $2,429,000 | 395 |
| Sale, conversion, retirement of capital stock, net | $196,000 | 250 |
| Net operating income | $1,346,000 | 1,289 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $71,595,000 | 564 |
| Total interest expense | $28,519,000 | 601 |
| Net interest income | $43,076,000 | 535 |
| Provision for loan and lease losses | $2,590,000 | 440 |
| Total noninterest income | $4,776,000 | 1,134 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,362,000 | 750 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,414,000 | 1,172 |
| Total noninterest expense | $28,758,000 | 621 |
| Salaries and employee benefits | $16,035,000 | 588 |
| Premises and equipment expense | $3,541,000 | 724 |
| Additional noninterest expense | $9,182,000 | 608 |
| Pre-tax net operating income | $16,504,000 | 635 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $6,210,000 | 542 |
| Income before extraordinary items | $10,294,000 | 719 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $10,294,000 | 719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,292,000 | 551 |
| Cash dividends | $4,422,000 | 797 |
| Sale, conversion, retirement of capital stock, net | $1,033,000 | 490 |
| Net operating income | $10,294,000 | 713 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $51,637,000 | 593 |
| Total interest expense | $19,428,000 | 650 |
| Net interest income | $32,209,000 | 546 |
| Provision for loan and lease losses | $1,840,000 | 432 |
| Total noninterest income | $3,499,000 | 1,165 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,824,000 | 735 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,675,000 | 1,264 |
| Total noninterest expense | $21,570,000 | 636 |
| Salaries and employee benefits | $12,285,000 | 598 |
| Premises and equipment expense | $2,550,000 | 760 |
| Additional noninterest expense | $6,735,000 | 623 |
| Pre-tax net operating income | $12,298,000 | 658 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,657,000 | 565 |
| Income before extraordinary items | $7,641,000 | 765 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $7,641,000 | 764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $882,000 | 511 |
| Cash dividends | $3,300,000 | 758 |
| Sale, conversion, retirement of capital stock, net | $814,000 | 395 |
| Net operating income | $7,641,000 | 754 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $32,984,000 | 605 |
| Total interest expense | $11,285,000 | 693 |
| Net interest income | $21,699,000 | 542 |
| Provision for loan and lease losses | $1,390,000 | 367 |
| Total noninterest income | $2,337,000 | 1,165 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $891,000 | 983 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,446,000 | 1,037 |
| Total noninterest expense | $14,303,000 | 647 |
| Salaries and employee benefits | $8,180,000 | 599 |
| Premises and equipment expense | $1,539,000 | 836 |
| Additional noninterest expense | $4,584,000 | 622 |
| Pre-tax net operating income | $8,343,000 | 646 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,173,000 | 570 |
| Income before extraordinary items | $5,170,000 | 753 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,170,000 | 753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 1,359 |
| Cash dividends | $3,034,000 | 569 |
| Sale, conversion, retirement of capital stock, net | $583,000 | 313 |
| Net operating income | $5,170,000 | 740 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $15,645,000 | 615 |
| Total interest expense | $5,016,000 | 741 |
| Net interest income | $10,629,000 | 548 |
| Provision for loan and lease losses | $760,000 | 331 |
| Total noninterest income | $1,211,000 | 1,118 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $619,000 | 672 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $592,000 | 1,180 |
| Total noninterest expense | $7,115,000 | 644 |
| Salaries and employee benefits | $3,995,000 | 615 |
| Premises and equipment expense | $765,000 | 836 |
| Additional noninterest expense | $2,355,000 | 586 |
| Pre-tax net operating income | $3,965,000 | 670 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,510,000 | 587 |
| Income before extraordinary items | $2,455,000 | 771 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,455,000 | 770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 1,771 |
| Cash dividends | $1,500,000 | 510 |
| Sale, conversion, retirement of capital stock, net | $420,000 | 196 |
| Net operating income | $2,455,000 | 759 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $55,104,000 | 609 |
| Total interest expense | $14,695,000 | 775 |
| Net interest income | $40,409,000 | 554 |
| Provision for loan and lease losses | $1,523,000 | 700 |
| Total noninterest income | $6,650,000 | 857 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,659,000 | 646 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,991,000 | 804 |
| Total noninterest expense | $25,653,000 | 675 |
| Salaries and employee benefits | $14,064,000 | 644 |
| Premises and equipment expense | $3,011,000 | 803 |
| Additional noninterest expense | $8,578,000 | 639 |
| Pre-tax net operating income | $19,883,000 | 536 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $7,641,000 | 469 |
| Income before extraordinary items | $12,242,000 | 606 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $12,242,000 | 607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 2,901 |
| Cash dividends | $5,097,000 | 645 |
| Sale, conversion, retirement of capital stock, net | $783,000 | 505 |
| Net operating income | $12,242,000 | 592 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $40,017,000 | 610 |
| Total interest expense | $10,341,000 | 779 |
| Net interest income | $29,676,000 | 554 |
| Provision for loan and lease losses | $1,193,000 | 642 |
| Total noninterest income | $5,464,000 | 803 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,018,000 | 633 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,446,000 | 727 |
| Total noninterest expense | $19,208,000 | 666 |
| Salaries and employee benefits | $10,565,000 | 639 |
| Premises and equipment expense | $2,265,000 | 794 |
| Additional noninterest expense | $6,378,000 | 640 |
| Pre-tax net operating income | $14,739,000 | 545 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $5,648,000 | 480 |
| Income before extraordinary items | $9,091,000 | 616 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $9,091,000 | 616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,062 |
| Cash dividends | $2,097,000 | 1,020 |
| Sale, conversion, retirement of capital stock, net | $695,000 | 379 |
| Net operating income | $9,091,000 | 599 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,691,000 | 1,836 |
| Total interest expense | $1,930,000 | 2,484 |
| Net interest income | $6,761,000 | 1,586 |
| Provision for loan and lease losses | $270,000 | 1,671 |
| Total noninterest income | $777,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $577,000 | 1,465 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $200,000 | 3,763 |
| Total noninterest expense | $3,788,000 | 2,157 |
| Salaries and employee benefits | $2,049,000 | 2,208 |
| Premises and equipment expense | $333,000 | 3,321 |
| Additional noninterest expense | $1,406,000 | 1,761 |
| Pre-tax net operating income | $3,480,000 | 1,348 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,322,000 | 1,064 |
| Income before extraordinary items | $2,158,000 | 1,593 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,158,000 | 1,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,409 |
| Cash dividends | $2,097,000 | 690 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,158,000 | 1,568 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,107,000 | 1,890 |
| Total interest expense | $842,000 | 2,669 |
| Net interest income | $3,265,000 | 1,632 |
| Provision for loan and lease losses | $135,000 | 1,592 |
| Total noninterest income | $381,000 | 2,582 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $285,000 | 1,445 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $96,000 | 3,813 |
| Total noninterest expense | $1,888,000 | 2,189 |
| Salaries and employee benefits | $1,004,000 | 2,265 |
| Premises and equipment expense | $188,000 | 3,032 |
| Additional noninterest expense | $696,000 | 1,777 |
| Pre-tax net operating income | $1,623,000 | 1,409 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $616,000 | 1,121 |
| Income before extraordinary items | $1,007,000 | 1,664 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,007,000 | 1,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,985 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,007,000 | 1,639 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,195,000 | 1,995 |
| Total interest expense | $2,710,000 | 2,848 |
| Net interest income | $11,485,000 | 1,756 |
| Provision for loan and lease losses | $405,000 | 2,340 |
| Total noninterest income | $1,642,000 | 2,513 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,046,000 | 1,678 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $596,000 | 2,998 |
| Total noninterest expense | $7,631,000 | 2,091 |
| Salaries and employee benefits | $4,259,000 | 2,049 |
| Premises and equipment expense | $742,000 | 2,977 |
| Additional noninterest expense | $2,630,000 | 1,847 |
| Pre-tax net operating income | $5,091,000 | 1,670 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,928,000 | 1,311 |
| Income before extraordinary items | $3,163,000 | 1,981 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,163,000 | 1,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,147 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 650 |
| Net operating income | $3,163,000 | 1,935 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,065,000 | 2,102 |
| Total interest expense | $1,951,000 | 2,904 |
| Net interest income | $8,114,000 | 1,858 |
| Provision for loan and lease losses | $360,000 | 1,934 |
| Total noninterest income | $1,241,000 | 2,517 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $740,000 | 1,789 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $501,000 | 2,803 |
| Total noninterest expense | $5,606,000 | 2,127 |
| Salaries and employee benefits | $3,133,000 | 2,090 |
| Premises and equipment expense | $557,000 | 2,961 |
| Additional noninterest expense | $1,916,000 | 1,869 |
| Pre-tax net operating income | $3,389,000 | 1,855 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,281,000 | 1,462 |
| Income before extraordinary items | $2,108,000 | 2,214 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,108,000 | 2,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,436 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,108,000 | 2,162 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,127,000 | 2,299 |
| Total interest expense | $1,231,000 | 3,022 |
| Net interest income | $4,896,000 | 2,038 |
| Provision for loan and lease losses | $225,000 | 1,999 |
| Total noninterest income | $841,000 | 2,504 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $459,000 | 1,894 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $382,000 | 2,583 |
| Total noninterest expense | $3,546,000 | 2,221 |
| Salaries and employee benefits | $1,961,000 | 2,208 |
| Premises and equipment expense | $361,000 | 3,049 |
| Additional noninterest expense | $1,224,000 | 1,951 |
| Pre-tax net operating income | $1,966,000 | 2,069 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $740,000 | 1,624 |
| Income before extraordinary items | $1,226,000 | 2,477 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,226,000 | 2,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,466 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,226,000 | 2,413 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,444,000 | 2,854 |
| Total interest expense | $525,000 | 3,489 |
| Net interest income | $1,919,000 | 2,583 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $298,000 | 3,123 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $179,000 | 2,293 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $119,000 | 3,364 |
| Total noninterest expense | $1,222,000 | 3,165 |
| Salaries and employee benefits | $757,000 | 2,826 |
| Premises and equipment expense | $134,000 | 3,902 |
| Additional noninterest expense | $331,000 | 3,461 |
| Pre-tax net operating income | $905,000 | 2,184 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $332,000 | 1,793 |
| Income before extraordinary items | $573,000 | 2,618 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $573,000 | 2,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,331 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $573,000 | 2,531 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,585,000 | 2,093 |
| Total interest expense | $3,428,000 | 2,542 |
| Net interest income | $10,157,000 | 1,918 |
| Provision for loan and lease losses | $360,000 | 2,773 |
| Total noninterest income | $2,164,000 | 2,186 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,114,000 | 1,551 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,050,000 | 2,316 |
| Total noninterest expense | $6,951,000 | 2,261 |
| Salaries and employee benefits | $4,387,000 | 1,959 |
| Premises and equipment expense | $770,000 | 2,849 |
| Additional noninterest expense | $1,794,000 | 2,647 |
| Pre-tax net operating income | $5,010,000 | 1,620 |
| Securities gains (losses) | $10,000 | 3,613 |
| Applicable income taxes | $1,854,000 | 1,357 |
| Income before extraordinary items | $3,166,000 | 1,947 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,166,000 | 1,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,638 |
| Cash dividends | $55,000 | 5,879 |
| Sale, conversion, retirement of capital stock, net | $766,000 | 451 |
| Net operating income | $3,159,600 | 1,860 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,992,000 | 2,165 |
| Total interest expense | $2,602,000 | 2,599 |
| Net interest income | $7,390,000 | 1,994 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $1,663,000 | 2,189 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $846,000 | 1,537 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $817,000 | 2,342 |
| Total noninterest expense | $4,999,000 | 2,360 |
| Salaries and employee benefits | $3,043,000 | 2,098 |
| Premises and equipment expense | $615,000 | 2,714 |
| Additional noninterest expense | $1,341,000 | 2,634 |
| Pre-tax net operating income | $3,784,000 | 1,662 |
| Securities gains (losses) | $10,000 | 3,326 |
| Applicable income taxes | $1,393,000 | 1,427 |
| Income before extraordinary items | $2,401,000 | 2,001 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,401,000 | 2,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,373 |
| Cash dividends | $55,000 | 5,062 |
| Sale, conversion, retirement of capital stock, net | $305,000 | 407 |
| Net operating income | $2,394,600 | 1,900 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,606,000 | 2,205 |
| Total interest expense | $1,745,000 | 2,653 |
| Net interest income | $4,861,000 | 2,013 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $1,128,000 | 2,162 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $542,000 | 1,565 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $586,000 | 2,218 |
| Total noninterest expense | $3,355,000 | 2,341 |
| Salaries and employee benefits | $2,035,000 | 2,084 |
| Premises and equipment expense | $419,000 | 2,659 |
| Additional noninterest expense | $901,000 | 2,615 |
| Pre-tax net operating income | $2,454,000 | 1,702 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $902,000 | 1,479 |
| Income before extraordinary items | $1,552,000 | 2,047 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,552,000 | 2,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,641 |
| Cash dividends | $55,000 | 4,693 |
| Sale, conversion, retirement of capital stock, net | $223,000 | 321 |
| Net operating income | $1,552,000 | 1,928 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,213,000 | 2,298 |
| Total interest expense | $866,000 | 2,734 |
| Net interest income | $2,347,000 | 2,085 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $576,000 | 2,060 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $256,000 | 1,600 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $320,000 | 2,019 |
| Total noninterest expense | $1,648,000 | 2,360 |
| Salaries and employee benefits | $969,000 | 2,181 |
| Premises and equipment expense | $223,000 | 2,509 |
| Additional noninterest expense | $456,000 | 2,538 |
| Pre-tax net operating income | $1,185,000 | 1,767 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $440,000 | 1,518 |
| Income before extraordinary items | $745,000 | 2,100 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $745,000 | 2,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $25,000 | 3,671 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $745,000 | 1,982 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,865,000 | 2,398 |
| Total interest expense | $3,768,000 | 2,889 |
| Net interest income | $9,097,000 | 2,134 |
| Provision for loan and lease losses | $390,000 | 2,895 |
| Total noninterest income | $1,969,000 | 2,160 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $903,000 | 1,784 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,066,000 | 2,087 |
| Total noninterest expense | $6,626,000 | 2,252 |
| Salaries and employee benefits | $4,043,000 | 1,975 |
| Premises and equipment expense | $763,000 | 2,782 |
| Additional noninterest expense | $1,820,000 | 2,525 |
| Pre-tax net operating income | $4,050,000 | 1,970 |
| Securities gains (losses) | $3,000 | 4,139 |
| Applicable income taxes | $1,485,000 | 1,667 |
| Income before extraordinary items | $2,568,000 | 2,299 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,568,000 | 2,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,606 |
| Cash dividends | $425,000 | 3,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,566,080 | 2,230 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,019,000 | 2,823 |
| Total interest expense | $4,990,000 | 3,160 |
| Net interest income | $7,029,000 | 2,546 |
| Provision for loan and lease losses | $400,000 | 2,609 |
| Total noninterest income | $1,184,000 | 2,957 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $673,000 | 2,221 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $511,000 | 3,093 |
| Total noninterest expense | $4,954,000 | 2,842 |
| Salaries and employee benefits | $2,902,000 | 2,583 |
| Premises and equipment expense | $618,000 | 3,287 |
| Additional noninterest expense | $1,434,000 | 2,990 |
| Pre-tax net operating income | $2,859,000 | 2,378 |
| Securities gains (losses) | $109,000 | 1,681 |
| Applicable income taxes | $1,103,000 | 1,936 |
| Income before extraordinary items | $1,865,000 | 2,700 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,865,000 | 2,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,788 |
| Cash dividends | $80,000 | 5,886 |
| Sale, conversion, retirement of capital stock, net | $1,600,000 | 338 |
| Net operating income | $1,795,240 | 2,700 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,503,000 | 3,265 |
| Total interest expense | $4,757,000 | 3,465 |
| Net interest income | $5,746,000 | 3,067 |
| Provision for loan and lease losses | $310,000 | 2,759 |
| Total noninterest income | $584,000 | 4,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $471,000 | 2,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 6,143 |
| Total noninterest expense | $3,934,000 | 3,377 |
| Salaries and employee benefits | $2,215,000 | 3,166 |
| Premises and equipment expense | $525,000 | 3,644 |
| Additional noninterest expense | $1,194,000 | 3,447 |
| Pre-tax net operating income | $2,086,000 | 3,219 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $785,000 | 2,559 |
| Income before extraordinary items | $1,301,000 | 3,632 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,301,000 | 3,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $235,000 | 4,891 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 443 |
| Net operating income | $1,301,000 | 3,621 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,313,000 | 4,243 |
| Total interest expense | $3,186,000 | 4,375 |
| Net interest income | $4,127,000 | 4,059 |
| Provision for loan and lease losses | $199,000 | 3,589 |
| Total noninterest income | $448,000 | 5,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,349 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,482 |
| Total noninterest expense | $2,971,000 | 4,245 |
| Salaries and employee benefits | $1,568,000 | 4,181 |
| Premises and equipment expense | $441,000 | 4,194 |
| Additional noninterest expense | $962,000 | 4,148 |
| Pre-tax net operating income | $1,405,000 | 4,287 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $531,000 | 3,501 |
| Income before extraordinary items | $874,000 | 4,828 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $874,000 | 4,828 |
| 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 | $1,000,000 | 507 |
| Net operating income | $874,000 | 4,785 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,423,000 | 5,360 |
| Total interest expense | $2,491,000 | 5,381 |
| Net interest income | $2,932,000 | 5,214 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $365,000 | 5,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $314,000 | 3,803 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,120 |
| Total noninterest expense | $2,100,000 | 5,408 |
| Salaries and employee benefits | $1,090,000 | 5,441 |
| Premises and equipment expense | $322,000 | 5,158 |
| Additional noninterest expense | $688,000 | 5,235 |
| Pre-tax net operating income | $897,000 | 5,742 |
| Securities gains (losses) | $26,000 | 2,229 |
| Applicable income taxes | $348,000 | 4,774 |
| Income before extraordinary items | $575,000 | 6,183 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $575,000 | 6,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $558,360 | 6,159 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,413,000 | 7,272 |
| Total interest expense | $1,602,000 | 7,117 |
| Net interest income | $1,811,000 | 7,298 |
| Provision for loan and lease losses | $367,000 | 2,228 |
| Total noninterest income | $178,000 | 8,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 6,142 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,525 |
| Total noninterest expense | $1,523,000 | 6,736 |
| Salaries and employee benefits | $790,000 | 6,842 |
| Premises and equipment expense | $235,000 | 6,280 |
| Additional noninterest expense | $498,000 | 6,514 |
| Pre-tax net operating income | $99,000 | 10,070 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $-149,000 | 10,760 |
| Income before extraordinary items | $252,000 | 8,729 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $252,000 | 8,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $1,327,000 | 423 |
| Net operating income | $248,000 | 8,727 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $852,000 | 10,976 |
| Total interest expense | $425,000 | 10,811 |
| Net interest income | $427,000 | 11,048 |
| Provision for loan and lease losses | $136,000 | 4,320 |
| Total noninterest income | $40,000 | 11,011 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 9,384 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 10,975 |
| Total noninterest expense | $607,000 | 10,147 |
| Salaries and employee benefits | $340,000 | 10,035 |
| Premises and equipment expense | $80,000 | 9,811 |
| Additional noninterest expense | $187,000 | 10,089 |
| Pre-tax net operating income | $-276,000 | 11,123 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-276,000 | 11,164 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-276,000 | 11,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $4,100,000 | 181 |
| Net operating income | $-276,000 | 11,129 |
* 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.