Home > Synovus Bank of Jacksonville > Income and Expense
Synovus Bank of Jacksonville, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,843,000 | 2,777 |
| Total interest expense | $937,000 | 2,410 |
| Net interest income | $1,906,000 | 2,918 |
| Provision for loan and lease losses | $239,000 | 2,761 |
| Total noninterest income | $159,000 | 4,142 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $105,000 | 3,057 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $54,000 | 4,552 |
| Total noninterest expense | $1,822,000 | 2,672 |
| Salaries and employee benefits | $938,000 | 2,615 |
| Premises and equipment expense | $281,000 | 2,346 |
| Additional noninterest expense | $603,000 | 2,696 |
| Pre-tax net operating income | $4,000 | 6,201 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $182,000 | 1,520 |
| Income before extraordinary items | $-178,000 | 6,902 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-178,000 | 6,903 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-178,000 | 6,902 |
| Net charge-offs | $607,000 | 1,446 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 747 |
| Net operating income | $-178,000 | 6,858 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,657,000 | 2,837 |
| Total interest expense | $5,589,000 | 2,044 |
| Net interest income | $6,068,000 | 3,429 |
| Provision for loan and lease losses | $13,616,000 | 659 |
| Total noninterest income | $7,000 | 7,655 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $353,000 | 3,567 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-346,000 | 7,753 |
| Total noninterest expense | $7,238,000 | 2,711 |
| Salaries and employee benefits | $3,623,000 | 2,694 |
| Premises and equipment expense | $1,222,000 | 2,182 |
| Additional noninterest expense | $2,393,000 | 2,849 |
| Pre-tax net operating income | $-14,779,000 | 7,625 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-3,405,000 | 7,657 |
| Income before extraordinary items | $-11,374,000 | 7,599 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-11,374,000 | 7,598 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-11,374,000 | 7,598 |
| Net charge-offs | $12,850,000 | 561 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 1,092 |
| Net operating income | $-11,374,000 | 7,602 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,771,000 | 2,863 |
| Total interest expense | $4,438,000 | 2,032 |
| Net interest income | $4,333,000 | 3,576 |
| Provision for loan and lease losses | $10,327,000 | 609 |
| Total noninterest income | $-287,000 | 7,976 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $252,000 | 3,681 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-539,000 | 7,965 |
| Total noninterest expense | $5,360,000 | 2,750 |
| Salaries and employee benefits | $2,742,000 | 2,694 |
| Premises and equipment expense | $920,000 | 2,194 |
| Additional noninterest expense | $1,698,000 | 2,974 |
| Pre-tax net operating income | $-11,641,000 | 7,780 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-2,108,000 | 7,729 |
| Income before extraordinary items | $-9,533,000 | 7,765 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-9,533,000 | 7,765 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-9,533,000 | 7,765 |
| Net charge-offs | $10,766,000 | 480 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 1,015 |
| Net operating income | $-9,533,000 | 7,773 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,830,000 | 2,900 |
| Total interest expense | $3,169,000 | 2,005 |
| Net interest income | $2,661,000 | 3,773 |
| Provision for loan and lease losses | $3,652,000 | 947 |
| Total noninterest income | $187,000 | 5,338 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $153,000 | 3,840 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $34,000 | 6,268 |
| Total noninterest expense | $3,587,000 | 2,772 |
| Salaries and employee benefits | $1,848,000 | 2,698 |
| Premises and equipment expense | $611,000 | 2,225 |
| Additional noninterest expense | $1,128,000 | 2,986 |
| Pre-tax net operating income | $-4,391,000 | 7,700 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,533,000 | 7,846 |
| Income before extraordinary items | $-2,858,000 | 7,619 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,858,000 | 7,618 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,858,000 | 7,618 |
| Net charge-offs | $2,978,000 | 863 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 880 |
| Net operating income | $-2,858,000 | 7,627 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,917,000 | 2,933 |
| Total interest expense | $1,672,000 | 1,982 |
| Net interest income | $1,245,000 | 3,948 |
| Provision for loan and lease losses | $43,000 | 5,118 |
| Total noninterest income | $71,000 | 5,797 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $67,000 | 4,058 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $4,000 | 7,406 |
| Total noninterest expense | $1,754,000 | 2,739 |
| Salaries and employee benefits | $935,000 | 2,699 |
| Premises and equipment expense | $303,000 | 2,277 |
| Additional noninterest expense | $516,000 | 2,935 |
| Pre-tax net operating income | $-481,000 | 7,299 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-167,000 | 7,673 |
| Income before extraordinary items | $-314,000 | 7,225 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-314,000 | 7,225 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-314,000 | 7,226 |
| Net charge-offs | $-1,000 | 7,151 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 770 |
| Net operating income | $-314,000 | 7,176 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,535,000 | 2,917 |
| Total interest expense | $6,627,000 | 2,301 |
| Net interest income | $5,908,000 | 3,515 |
| Provision for loan and lease losses | $4,769,000 | 1,034 |
| Total noninterest income | $345,000 | 5,586 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $188,000 | 4,915 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $157,000 | 5,243 |
| Total noninterest expense | $6,716,000 | 2,774 |
| Salaries and employee benefits | $3,952,000 | 2,543 |
| Premises and equipment expense | $1,038,000 | 2,538 |
| Additional noninterest expense | $1,726,000 | 3,244 |
| Pre-tax net operating income | $-5,232,000 | 7,814 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,730,000 | 7,881 |
| Income before extraordinary items | $-3,502,000 | 7,685 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,502,000 | 7,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,531,000 | 1,531 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $77,000 | 1,038 |
| Net operating income | $-3,502,000 | 7,753 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,481,000 | 2,958 |
| Total interest expense | $4,977,000 | 2,386 |
| Net interest income | $4,504,000 | 3,500 |
| Provision for loan and lease losses | $2,441,000 | 1,036 |
| Total noninterest income | $321,000 | 5,241 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $129,000 | 5,104 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $192,000 | 4,503 |
| Total noninterest expense | $5,029,000 | 2,770 |
| Salaries and employee benefits | $3,016,000 | 2,529 |
| Premises and equipment expense | $732,000 | 2,693 |
| Additional noninterest expense | $1,281,000 | 3,200 |
| Pre-tax net operating income | $-2,645,000 | 7,967 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,001,000 | 8,047 |
| Income before extraordinary items | $-1,644,000 | 7,767 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,644,000 | 7,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,369 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 913 |
| Net operating income | $-1,644,000 | 7,850 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,325,000 | 2,998 |
| Total interest expense | $3,277,000 | 2,506 |
| Net interest income | $3,048,000 | 3,451 |
| Provision for loan and lease losses | $1,013,000 | 1,211 |
| Total noninterest income | $232,000 | 5,147 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $88,000 | 5,077 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $144,000 | 4,380 |
| Total noninterest expense | $3,147,000 | 2,925 |
| Salaries and employee benefits | $1,848,000 | 2,746 |
| Premises and equipment expense | $451,000 | 2,899 |
| Additional noninterest expense | $848,000 | 3,178 |
| Pre-tax net operating income | $-880,000 | 7,849 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-328,000 | 8,088 |
| Income before extraordinary items | $-552,000 | 7,729 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-552,000 | 7,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 788 |
| Net operating income | $-552,000 | 7,712 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,324,000 | 2,937 |
| Total interest expense | $1,721,000 | 2,541 |
| Net interest income | $1,603,000 | 3,318 |
| Provision for loan and lease losses | $303,000 | 1,365 |
| Total noninterest income | $125,000 | 4,991 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $45,000 | 5,006 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $80,000 | 4,198 |
| Total noninterest expense | $1,516,000 | 3,027 |
| Salaries and employee benefits | $917,000 | 2,774 |
| Premises and equipment expense | $209,000 | 3,109 |
| Additional noninterest expense | $390,000 | 3,391 |
| Pre-tax net operating income | $-91,000 | 7,531 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-33,000 | 7,967 |
| Income before extraordinary items | $-58,000 | 7,530 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-58,000 | 7,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 658 |
| Net operating income | $-58,000 | 7,470 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,651,000 | 2,745 |
| Total interest expense | $7,664,000 | 2,414 |
| Net interest income | $6,987,000 | 3,112 |
| Provision for loan and lease losses | $328,000 | 3,037 |
| Total noninterest income | $239,000 | 6,470 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $118,000 | 5,796 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $121,000 | 5,921 |
| Total noninterest expense | $5,545,000 | 3,171 |
| Salaries and employee benefits | $3,441,000 | 2,855 |
| Premises and equipment expense | $760,000 | 3,219 |
| Additional noninterest expense | $1,344,000 | 3,742 |
| Pre-tax net operating income | $1,353,000 | 4,100 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $542,000 | 2,634 |
| Income before extraordinary items | $811,000 | 4,771 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $811,000 | 4,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 997 |
| Net operating income | $811,000 | 4,746 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,966,000 | 2,747 |
| Total interest expense | $5,798,000 | 2,385 |
| Net interest income | $5,168,000 | 3,150 |
| Provision for loan and lease losses | $24,000 | 5,728 |
| Total noninterest income | $184,000 | 6,474 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $87,000 | 5,844 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $97,000 | 5,858 |
| Total noninterest expense | $4,143,000 | 3,156 |
| Salaries and employee benefits | $2,584,000 | 2,827 |
| Premises and equipment expense | $575,000 | 3,179 |
| Additional noninterest expense | $984,000 | 3,758 |
| Pre-tax net operating income | $1,185,000 | 3,974 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $463,000 | 2,632 |
| Income before extraordinary items | $722,000 | 4,579 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $722,000 | 4,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 919 |
| Net operating income | $722,000 | 4,573 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,090,000 | 2,838 |
| Total interest expense | $3,678,000 | 2,508 |
| Net interest income | $3,412,000 | 3,194 |
| Provision for loan and lease losses | $24,000 | 5,201 |
| Total noninterest income | $134,000 | 6,327 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $59,000 | 5,840 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $75,000 | 5,629 |
| Total noninterest expense | $2,709,000 | 3,234 |
| Salaries and employee benefits | $1,691,000 | 2,920 |
| Premises and equipment expense | $380,000 | 3,214 |
| Additional noninterest expense | $638,000 | 3,834 |
| Pre-tax net operating income | $813,000 | 3,987 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $318,000 | 2,666 |
| Income before extraordinary items | $495,000 | 4,567 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $495,000 | 4,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 857 |
| Net operating income | $495,000 | 4,563 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,387,000 | 2,963 |
| Total interest expense | $1,770,000 | 2,585 |
| Net interest income | $1,617,000 | 3,334 |
| Provision for loan and lease losses | $168,000 | 1,322 |
| Total noninterest income | $73,000 | 6,151 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $31,000 | 5,740 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $42,000 | 5,429 |
| Total noninterest expense | $1,361,000 | 3,226 |
| Salaries and employee benefits | $833,000 | 2,966 |
| Premises and equipment expense | $193,000 | 3,208 |
| Additional noninterest expense | $335,000 | 3,645 |
| Pre-tax net operating income | $161,000 | 5,928 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $66,000 | 3,808 |
| Income before extraordinary items | $95,000 | 6,470 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $95,000 | 6,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 756 |
| Net operating income | $95,000 | 6,455 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,479,000 | 3,215 |
| Total interest expense | $5,692,000 | 2,708 |
| Net interest income | $5,787,000 | 3,623 |
| Provision for loan and lease losses | $590,000 | 1,655 |
| Total noninterest income | $152,000 | 7,295 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $109,000 | 6,027 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $43,000 | 7,400 |
| Total noninterest expense | $4,798,000 | 3,465 |
| Salaries and employee benefits | $3,095,000 | 3,049 |
| Premises and equipment expense | $578,000 | 3,872 |
| Additional noninterest expense | $1,125,000 | 4,139 |
| Pre-tax net operating income | $551,000 | 6,324 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $220,000 | 4,188 |
| Income before extraordinary items | $331,000 | 6,783 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $331,000 | 6,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $148,000 | 822 |
| Net operating income | $331,000 | 6,785 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,228,000 | 3,299 |
| Total interest expense | $4,062,000 | 2,740 |
| Net interest income | $4,166,000 | 3,752 |
| Provision for loan and lease losses | $550,000 | 1,293 |
| Total noninterest income | $110,000 | 7,390 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $80,000 | 6,137 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,516 |
| Total noninterest expense | $3,557,000 | 3,486 |
| Salaries and employee benefits | $2,310,000 | 3,048 |
| Premises and equipment expense | $425,000 | 3,942 |
| Additional noninterest expense | $822,000 | 4,192 |
| Pre-tax net operating income | $169,000 | 7,541 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $72,000 | 5,197 |
| Income before extraordinary items | $97,000 | 7,737 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $97,000 | 7,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 674 |
| Net operating income | $97,000 | 7,738 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,031,000 | 3,484 |
| Total interest expense | $2,488,000 | 2,837 |
| Net interest income | $2,543,000 | 3,997 |
| Provision for loan and lease losses | $411,000 | 1,149 |
| Total noninterest income | $70,000 | 7,509 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $47,000 | 6,322 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,000 | 7,410 |
| Total noninterest expense | $2,371,000 | 3,483 |
| Salaries and employee benefits | $1,525,000 | 3,074 |
| Premises and equipment expense | $287,000 | 3,901 |
| Additional noninterest expense | $559,000 | 4,131 |
| Pre-tax net operating income | $-169,000 | 8,390 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-60,000 | 8,595 |
| Income before extraordinary items | $-109,000 | 8,353 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-109,000 | 8,353 |
| 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 | $78,000 | 577 |
| Net operating income | $-109,000 | 8,352 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,258,000 | 3,738 |
| Total interest expense | $1,079,000 | 3,062 |
| Net interest income | $1,179,000 | 4,205 |
| Provision for loan and lease losses | $155,000 | 1,387 |
| Total noninterest income | $26,000 | 7,808 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $19,000 | 6,578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 7,855 |
| Total noninterest expense | $1,194,000 | 3,487 |
| Salaries and employee benefits | $789,000 | 3,007 |
| Premises and equipment expense | $152,000 | 3,747 |
| Additional noninterest expense | $253,000 | 4,436 |
| Pre-tax net operating income | $-144,000 | 8,495 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-52,000 | 8,651 |
| Income before extraordinary items | $-92,000 | 8,445 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-92,000 | 8,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 424 |
| Net operating income | $-92,000 | 8,432 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,717,000 | 4,738 |
| Total interest expense | $2,511,000 | 3,813 |
| Net interest income | $3,206,000 | 5,283 |
| Provision for loan and lease losses | $569,000 | 1,714 |
| Total noninterest income | $70,000 | 8,253 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $50,000 | 7,086 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $20,000 | 8,136 |
| Total noninterest expense | $3,451,000 | 4,332 |
| Salaries and employee benefits | $2,193,000 | 3,852 |
| Premises and equipment expense | $421,000 | 4,702 |
| Additional noninterest expense | $837,000 | 5,011 |
| Pre-tax net operating income | $-744,000 | 8,572 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-281,000 | 8,712 |
| Income before extraordinary items | $-463,000 | 8,534 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-463,000 | 8,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-463,000 | 8,513 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,741,000 | 5,125 |
| Total interest expense | $1,628,000 | 4,065 |
| Net interest income | $2,113,000 | 5,722 |
| Provision for loan and lease losses | $449,000 | 1,578 |
| Total noninterest income | $55,000 | 8,250 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 7,121 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $17,000 | 8,089 |
| Total noninterest expense | $2,539,000 | 4,367 |
| Salaries and employee benefits | $1,669,000 | 3,789 |
| Premises and equipment expense | $300,000 | 4,841 |
| Additional noninterest expense | $570,000 | 5,274 |
| Pre-tax net operating income | $-820,000 | 8,687 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-311,000 | 8,795 |
| Income before extraordinary items | $-509,000 | 8,648 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-509,000 | 8,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-509,000 | 8,622 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,138,000 | 5,548 |
| Total interest expense | $885,000 | 4,485 |
| Net interest income | $1,253,000 | 6,053 |
| Provision for loan and lease losses | $265,000 | 1,699 |
| Total noninterest income | $33,000 | 8,334 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $23,000 | 7,185 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $10,000 | 8,146 |
| Total noninterest expense | $1,649,000 | 4,441 |
| Salaries and employee benefits | $1,059,000 | 3,910 |
| Premises and equipment expense | $197,000 | 4,869 |
| Additional noninterest expense | $393,000 | 5,153 |
| Pre-tax net operating income | $-628,000 | 8,713 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-239,000 | 8,801 |
| Income before extraordinary items | $-389,000 | 8,681 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-389,000 | 8,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-389,000 | 8,653 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $873,000 | 6,129 |
| Total interest expense | $335,000 | 5,169 |
| Net interest income | $538,000 | 6,514 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $12,000 | 8,547 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $8,000 | 7,454 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $814,000 | 4,504 |
| Salaries and employee benefits | $538,000 | 3,869 |
| Premises and equipment expense | $94,000 | 5,079 |
| Additional noninterest expense | $182,000 | 5,390 |
| Pre-tax net operating income | $-384,000 | 8,818 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-146,000 | 8,870 |
| Income before extraordinary items | $-238,000 | 8,777 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-238,000 | 8,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-238,000 | 8,759 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,133,000 | 8,282 |
| Total interest expense | $301,000 | 8,101 |
| Net interest income | $832,000 | 8,258 |
| Provision for loan and lease losses | $660,000 | 1,522 |
| Total noninterest income | $24,000 | 8,755 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $18,000 | 7,685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,000 | 8,658 |
| Total noninterest expense | $1,935,000 | 6,108 |
| Salaries and employee benefits | $757,000 | 7,088 |
| Premises and equipment expense | $237,000 | 6,335 |
| Additional noninterest expense | $941,000 | 4,572 |
| Pre-tax net operating income | $-1,739,000 | 8,883 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-666,000 | 8,919 |
| Income before extraordinary items | $-1,073,000 | 8,847 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,073,000 | 8,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,073,000 | 8,825 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $538,000 | 8,684 |
| Total interest expense | $112,000 | 8,664 |
| Net interest income | $426,000 | 8,633 |
| Provision for loan and lease losses | $444,000 | 1,638 |
| Total noninterest income | $9,000 | 8,895 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $6,000 | 7,841 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,783 |
| Total noninterest expense | $1,180,000 | 6,722 |
| Salaries and employee benefits | $765,000 | 6,172 |
| Premises and equipment expense | $129,000 | 7,057 |
| Additional noninterest expense | $286,000 | 7,207 |
| Pre-tax net operating income | $-1,189,000 | 8,928 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-455,000 | 8,971 |
| Income before extraordinary items | $-734,000 | 8,878 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-734,000 | 8,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-734,000 | 8,858 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $141,000 | 8,982 |
| Total interest expense | $13,000 | 8,987 |
| Net interest income | $128,000 | 8,955 |
| Provision for loan and lease losses | $294,000 | 1,622 |
| Total noninterest income | $1,000 | 9,014 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,000 | 7,953 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $0 | 8,943 |
| Total noninterest expense | $405,000 | 8,184 |
| Salaries and employee benefits | $267,000 | 7,908 |
| Premises and equipment expense | $67,000 | 7,546 |
| Additional noninterest expense | $71,000 | 8,702 |
| Pre-tax net operating income | $-570,000 | 8,927 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-219,000 | 9,002 |
| Income before extraordinary items | $-351,000 | 8,875 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-351,000 | 8,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-351,000 | 8,848 |
* 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.