Home > The Buckhead Community Bank > Income and Expense
The Buckhead Community Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $26,082,000 | 991 |
| Total interest expense | $20,532,000 | 437 |
| Net interest income | $5,550,000 | 2,915 |
| Provision for loan and lease losses | $26,816,000 | 326 |
| Total noninterest income | $46,000 | 7,445 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $343,000 | 3,085 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-297,000 | 7,910 |
| Total noninterest expense | $38,711,000 | 426 |
| Salaries and employee benefits | $5,496,000 | 1,386 |
| Premises and equipment expense | $1,834,000 | 1,126 |
| Additional noninterest expense | $31,381,000 | 250 |
| Pre-tax net operating income | $-59,931,000 | 7,997 |
| Securities gains (losses) | $144,000 | 1,535 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-59,787,000 | 8,005 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-59,787,000 | 8,004 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-59,787,000 | 8,004 |
| Net charge-offs | $19,834,000 | 304 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-59,931,000 | 8,004 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $17,882,000 | 983 |
| Total interest expense | $13,948,000 | 463 |
| Net interest income | $3,934,000 | 2,768 |
| Provision for loan and lease losses | $20,337,000 | 289 |
| Total noninterest income | $243,000 | 4,861 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $219,000 | 3,142 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $24,000 | 6,629 |
| Total noninterest expense | $28,670,000 | 406 |
| Salaries and employee benefits | $3,739,000 | 1,392 |
| Premises and equipment expense | $1,169,000 | 1,215 |
| Additional noninterest expense | $23,762,000 | 232 |
| Pre-tax net operating income | $-44,830,000 | 8,095 |
| Securities gains (losses) | $144,000 | 1,231 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-44,686,000 | 8,104 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-44,686,000 | 8,103 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-44,686,000 | 8,103 |
| Net charge-offs | $18,255,000 | 243 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-44,830,000 | 8,098 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $9,048,000 | 982 |
| Total interest expense | $6,911,000 | 483 |
| Net interest income | $2,137,000 | 2,537 |
| Provision for loan and lease losses | $5,064,000 | 399 |
| Total noninterest income | $191,000 | 3,902 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $112,000 | 3,053 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $79,000 | 4,030 |
| Total noninterest expense | $4,531,000 | 1,105 |
| Salaries and employee benefits | $1,921,000 | 1,346 |
| Premises and equipment expense | $592,000 | 1,216 |
| Additional noninterest expense | $2,018,000 | 820 |
| Pre-tax net operating income | $-7,267,000 | 8,080 |
| Securities gains (losses) | $830,000 | 216 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-6,437,000 | 8,084 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-6,437,000 | 8,084 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-6,437,000 | 8,084 |
| Net charge-offs | $2,413,000 | 529 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-7,267,000 | 8,098 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $50,994,000 | 726 |
| Total interest expense | $31,053,000 | 512 |
| Net interest income | $19,941,000 | 1,094 |
| Provision for loan and lease losses | $15,474,000 | 442 |
| Total noninterest income | $335,000 | 5,644 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $361,000 | 3,658 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-26,000 | 8,063 |
| Total noninterest expense | $40,367,000 | 505 |
| Salaries and employee benefits | $10,338,000 | 963 |
| Premises and equipment expense | $2,492,000 | 1,116 |
| Additional noninterest expense | $27,537,000 | 320 |
| Pre-tax net operating income | $-35,565,000 | 8,170 |
| Securities gains (losses) | $249,000 | 620 |
| Applicable income taxes | $512,000 | 1,834 |
| Income before extraordinary items | $-35,828,000 | 8,167 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-35,828,000 | 8,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,147,000 | 332 |
| Cash dividends | $800,000 | 2,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-36,077,000 | 8,183 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $39,899,000 | 720 |
| Total interest expense | $23,747,000 | 530 |
| Net interest income | $16,152,000 | 1,016 |
| Provision for loan and lease losses | $5,626,000 | 601 |
| Total noninterest income | $265,000 | 5,614 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $247,000 | 3,874 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $18,000 | 7,487 |
| Total noninterest expense | $16,573,000 | 894 |
| Salaries and employee benefits | $8,420,000 | 912 |
| Premises and equipment expense | $1,853,000 | 1,128 |
| Additional noninterest expense | $6,300,000 | 739 |
| Pre-tax net operating income | $-5,782,000 | 8,152 |
| Securities gains (losses) | $167,000 | 696 |
| Applicable income taxes | $-2,353,000 | 8,206 |
| Income before extraordinary items | $-3,262,000 | 8,039 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,262,000 | 8,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,577,000 | 473 |
| Cash dividends | $800,000 | 2,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,368,880 | 8,101 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $27,001,000 | 722 |
| Total interest expense | $16,163,000 | 537 |
| Net interest income | $10,838,000 | 1,000 |
| Provision for loan and lease losses | $3,492,000 | 550 |
| Total noninterest income | $360,000 | 4,229 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $164,000 | 3,882 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $196,000 | 3,810 |
| Total noninterest expense | $11,007,000 | 891 |
| Salaries and employee benefits | $5,630,000 | 918 |
| Premises and equipment expense | $1,229,000 | 1,133 |
| Additional noninterest expense | $4,148,000 | 728 |
| Pre-tax net operating income | $-3,301,000 | 8,240 |
| Securities gains (losses) | $135,000 | 792 |
| Applicable income taxes | $-1,351,000 | 8,301 |
| Income before extraordinary items | $-1,815,000 | 8,186 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,815,000 | 8,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,886,000 | 428 |
| Cash dividends | $300,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,901,400 | 8,185 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $14,212,000 | 703 |
| Total interest expense | $8,469,000 | 557 |
| Net interest income | $5,743,000 | 926 |
| Provision for loan and lease losses | $2,122,000 | 390 |
| Total noninterest income | $214,000 | 3,858 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $82,000 | 3,842 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $132,000 | 3,267 |
| Total noninterest expense | $5,157,000 | 944 |
| Salaries and employee benefits | $2,899,000 | 887 |
| Premises and equipment expense | $582,000 | 1,187 |
| Additional noninterest expense | $1,676,000 | 856 |
| Pre-tax net operating income | $-1,322,000 | 8,315 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $-567,000 | 8,367 |
| Income before extraordinary items | $-754,000 | 8,261 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-754,000 | 8,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $742,000 | 565 |
| Cash dividends | $300,000 | 1,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-754,640 | 8,248 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $47,706,000 | 876 |
| Total interest expense | $25,286,000 | 774 |
| Net interest income | $22,420,000 | 985 |
| Provision for loan and lease losses | $2,459,000 | 708 |
| Total noninterest income | $1,546,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $207,000 | 4,836 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,339,000 | 1,817 |
| Total noninterest expense | $14,879,000 | 1,251 |
| Salaries and employee benefits | $8,726,000 | 1,149 |
| Premises and equipment expense | $1,861,000 | 1,440 |
| Additional noninterest expense | $4,292,000 | 1,309 |
| Pre-tax net operating income | $6,628,000 | 1,278 |
| Securities gains (losses) | $13,000 | 1,241 |
| Applicable income taxes | $2,218,000 | 1,043 |
| Income before extraordinary items | $4,423,000 | 1,453 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,423,000 | 1,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,157,000 | 924 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,414,290 | 1,439 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $34,803,000 | 905 |
| Total interest expense | $18,202,000 | 811 |
| Net interest income | $16,601,000 | 1,001 |
| Provision for loan and lease losses | $1,150,000 | 802 |
| Total noninterest income | $1,286,000 | 2,471 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $143,000 | 5,025 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,143,000 | 1,650 |
| Total noninterest expense | $10,507,000 | 1,314 |
| Salaries and employee benefits | $6,402,000 | 1,171 |
| Premises and equipment expense | $1,331,000 | 1,494 |
| Additional noninterest expense | $2,774,000 | 1,464 |
| Pre-tax net operating income | $6,230,000 | 1,105 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,150,000 | 910 |
| Income before extraordinary items | $4,080,000 | 1,262 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,080,000 | 1,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,323 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,080,000 | 1,250 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $22,806,000 | 932 |
| Total interest expense | $11,774,000 | 841 |
| Net interest income | $11,032,000 | 1,019 |
| Provision for loan and lease losses | $750,000 | 740 |
| Total noninterest income | $817,000 | 2,566 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $89,000 | 5,167 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $728,000 | 1,723 |
| Total noninterest expense | $6,630,000 | 1,398 |
| Salaries and employee benefits | $4,187,000 | 1,214 |
| Premises and equipment expense | $838,000 | 1,605 |
| Additional noninterest expense | $1,605,000 | 1,695 |
| Pre-tax net operating income | $4,469,000 | 1,072 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,549,000 | 896 |
| Income before extraordinary items | $2,920,000 | 1,227 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,920,000 | 1,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,915 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,920,000 | 1,208 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,105,000 | 952 |
| Total interest expense | $5,670,000 | 863 |
| Net interest income | $5,435,000 | 1,029 |
| Provision for loan and lease losses | $475,000 | 550 |
| Total noninterest income | $490,000 | 2,237 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $40,000 | 5,312 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $450,000 | 1,468 |
| Total noninterest expense | $3,246,000 | 1,426 |
| Salaries and employee benefits | $2,056,000 | 1,249 |
| Premises and equipment expense | $423,000 | 1,582 |
| Additional noninterest expense | $767,000 | 1,747 |
| Pre-tax net operating income | $2,204,000 | 1,057 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $764,000 | 908 |
| Income before extraordinary items | $1,440,000 | 1,228 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,440,000 | 1,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,247 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,440,000 | 1,209 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $37,572,000 | 1,048 |
| Total interest expense | $17,482,000 | 961 |
| Net interest income | $20,090,000 | 1,103 |
| Provision for loan and lease losses | $2,050,000 | 545 |
| Total noninterest income | $1,793,000 | 2,399 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $169,000 | 5,309 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,624,000 | 1,572 |
| Total noninterest expense | $11,191,000 | 1,580 |
| Salaries and employee benefits | $6,897,000 | 1,429 |
| Premises and equipment expense | $1,486,000 | 1,708 |
| Additional noninterest expense | $2,808,000 | 1,875 |
| Pre-tax net operating income | $8,642,000 | 1,140 |
| Securities gains (losses) | $37,000 | 748 |
| Applicable income taxes | $3,046,000 | 928 |
| Income before extraordinary items | $5,633,000 | 1,285 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,633,000 | 1,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $825,000 | 818 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,608,950 | 1,277 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $26,943,000 | 1,101 |
| Total interest expense | $12,106,000 | 1,007 |
| Net interest income | $14,837,000 | 1,141 |
| Provision for loan and lease losses | $1,525,000 | 519 |
| Total noninterest income | $1,394,000 | 2,349 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $130,000 | 5,312 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,264,000 | 1,529 |
| Total noninterest expense | $8,170,000 | 1,638 |
| Salaries and employee benefits | $4,971,000 | 1,499 |
| Premises and equipment expense | $1,089,000 | 1,745 |
| Additional noninterest expense | $2,110,000 | 1,836 |
| Pre-tax net operating income | $6,536,000 | 1,176 |
| Securities gains (losses) | $37,000 | 619 |
| Applicable income taxes | $2,314,000 | 964 |
| Income before extraordinary items | $4,259,000 | 1,332 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,259,000 | 1,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,787 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,234,950 | 1,324 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $16,615,000 | 1,172 |
| Total interest expense | $7,287,000 | 1,051 |
| Net interest income | $9,328,000 | 1,216 |
| Provision for loan and lease losses | $1,000,000 | 511 |
| Total noninterest income | $960,000 | 2,286 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $90,000 | 5,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $870,000 | 1,504 |
| Total noninterest expense | $5,262,000 | 1,701 |
| Salaries and employee benefits | $3,213,000 | 1,548 |
| Premises and equipment expense | $692,000 | 1,825 |
| Additional noninterest expense | $1,357,000 | 1,928 |
| Pre-tax net operating income | $4,026,000 | 1,262 |
| Securities gains (losses) | $2,000 | 970 |
| Applicable income taxes | $1,410,000 | 1,062 |
| Income before extraordinary items | $2,618,000 | 1,430 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,618,000 | 1,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,668 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,616,700 | 1,420 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,671,000 | 1,244 |
| Total interest expense | $3,272,000 | 1,115 |
| Net interest income | $4,399,000 | 1,299 |
| Provision for loan and lease losses | $500,000 | 481 |
| Total noninterest income | $577,000 | 1,988 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $43,000 | 5,250 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $534,000 | 1,280 |
| Total noninterest expense | $2,488,000 | 1,787 |
| Salaries and employee benefits | $1,506,000 | 1,649 |
| Premises and equipment expense | $345,000 | 1,831 |
| Additional noninterest expense | $637,000 | 2,043 |
| Pre-tax net operating income | $1,988,000 | 1,238 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $699,000 | 1,053 |
| Income before extraordinary items | $1,287,000 | 1,419 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,287,000 | 1,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,493 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,288,300 | 1,396 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,977,000 | 1,519 |
| Total interest expense | $8,688,000 | 1,313 |
| Net interest income | $13,289,000 | 1,646 |
| Provision for loan and lease losses | $1,775,000 | 603 |
| Total noninterest income | $1,782,000 | 2,396 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $152,000 | 5,600 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,630,000 | 1,563 |
| Total noninterest expense | $7,902,000 | 2,110 |
| Salaries and employee benefits | $4,904,000 | 1,889 |
| Premises and equipment expense | $1,055,000 | 2,261 |
| Additional noninterest expense | $1,943,000 | 2,559 |
| Pre-tax net operating income | $5,394,000 | 1,730 |
| Securities gains (losses) | $-3,000 | 7,152 |
| Applicable income taxes | $1,873,000 | 1,438 |
| Income before extraordinary items | $3,518,000 | 1,952 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,518,000 | 1,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $868,000 | 759 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,519,950 | 1,930 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,264,000 | 1,619 |
| Total interest expense | $5,840,000 | 1,376 |
| Net interest income | $9,424,000 | 1,733 |
| Provision for loan and lease losses | $1,375,000 | 556 |
| Total noninterest income | $1,452,000 | 2,265 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $110,000 | 5,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,342,000 | 1,465 |
| Total noninterest expense | $5,678,000 | 2,181 |
| Salaries and employee benefits | $3,543,000 | 1,930 |
| Premises and equipment expense | $704,000 | 2,499 |
| Additional noninterest expense | $1,431,000 | 2,570 |
| Pre-tax net operating income | $3,823,000 | 1,833 |
| Securities gains (losses) | $-6,000 | 7,744 |
| Applicable income taxes | $1,321,000 | 1,528 |
| Income before extraordinary items | $2,496,000 | 2,068 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,496,000 | 2,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 1,549 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,499,900 | 2,029 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,379,000 | 1,706 |
| Total interest expense | $3,469,000 | 1,446 |
| Net interest income | $5,910,000 | 1,827 |
| Provision for loan and lease losses | $950,000 | 542 |
| Total noninterest income | $934,000 | 2,289 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $70,000 | 5,724 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $864,000 | 1,494 |
| Total noninterest expense | $3,666,000 | 2,241 |
| Salaries and employee benefits | $2,258,000 | 1,997 |
| Premises and equipment expense | $470,000 | 2,463 |
| Additional noninterest expense | $938,000 | 2,598 |
| Pre-tax net operating income | $2,228,000 | 2,008 |
| Securities gains (losses) | $12,000 | 1,290 |
| Applicable income taxes | $768,000 | 1,673 |
| Income before extraordinary items | $1,472,000 | 2,265 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,472,000 | 2,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,464,080 | 2,243 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,308,000 | 1,818 |
| Total interest expense | $1,469,000 | 1,626 |
| Net interest income | $2,839,000 | 1,893 |
| Provision for loan and lease losses | $500,000 | 469 |
| Total noninterest income | $328,000 | 2,847 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $35,000 | 5,695 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $293,000 | 1,920 |
| Total noninterest expense | $1,726,000 | 2,383 |
| Salaries and employee benefits | $1,057,000 | 2,152 |
| Premises and equipment expense | $228,000 | 2,551 |
| Additional noninterest expense | $441,000 | 2,743 |
| Pre-tax net operating income | $941,000 | 2,272 |
| Securities gains (losses) | $6,000 | 1,143 |
| Applicable income taxes | $313,000 | 1,918 |
| Income before extraordinary items | $634,000 | 2,496 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $634,000 | 2,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $629,980 | 2,477 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,451,000 | 2,314 |
| Total interest expense | $3,562,000 | 2,273 |
| Net interest income | $8,889,000 | 2,298 |
| Provision for loan and lease losses | $975,000 | 1,059 |
| Total noninterest income | $495,000 | 5,294 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $155,000 | 5,712 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $340,000 | 4,032 |
| Total noninterest expense | $5,464,000 | 2,875 |
| Salaries and employee benefits | $3,274,000 | 2,632 |
| Premises and equipment expense | $784,000 | 2,837 |
| Additional noninterest expense | $1,406,000 | 3,288 |
| Pre-tax net operating income | $2,945,000 | 2,634 |
| Securities gains (losses) | $86,000 | 1,349 |
| Applicable income taxes | $923,000 | 2,293 |
| Income before extraordinary items | $2,108,000 | 2,788 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,108,000 | 2,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,310 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,047,800 | 2,789 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,826,000 | 2,410 |
| Total interest expense | $2,480,000 | 2,377 |
| Net interest income | $6,346,000 | 2,387 |
| Provision for loan and lease losses | $525,000 | 1,396 |
| Total noninterest income | $238,000 | 6,321 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $117,000 | 5,757 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $121,000 | 5,552 |
| Total noninterest expense | $3,970,000 | 2,930 |
| Salaries and employee benefits | $2,417,000 | 2,642 |
| Premises and equipment expense | $582,000 | 2,862 |
| Additional noninterest expense | $971,000 | 3,506 |
| Pre-tax net operating income | $2,089,000 | 2,775 |
| Securities gains (losses) | $59,000 | 1,530 |
| Applicable income taxes | $638,000 | 2,462 |
| Income before extraordinary items | $1,510,000 | 2,938 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,510,000 | 2,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,271 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,468,700 | 2,925 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,615,000 | 2,491 |
| Total interest expense | $1,585,000 | 2,448 |
| Net interest income | $4,030,000 | 2,474 |
| Provision for loan and lease losses | $300,000 | 1,523 |
| Total noninterest income | $131,000 | 6,749 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $76,000 | 5,812 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $55,000 | 6,266 |
| Total noninterest expense | $2,564,000 | 3,012 |
| Salaries and employee benefits | $1,562,000 | 2,735 |
| Premises and equipment expense | $386,000 | 2,870 |
| Additional noninterest expense | $616,000 | 3,671 |
| Pre-tax net operating income | $1,297,000 | 2,931 |
| Securities gains (losses) | $29,000 | 1,812 |
| Applicable income taxes | $384,000 | 2,636 |
| Income before extraordinary items | $942,000 | 3,083 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $942,000 | 3,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,295 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $921,410 | 3,054 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,731,000 | 2,555 |
| Total interest expense | $790,000 | 2,479 |
| Net interest income | $1,941,000 | 2,555 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $63,000 | 6,769 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $35,000 | 5,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $28,000 | 6,237 |
| Total noninterest expense | $1,224,000 | 3,163 |
| Salaries and employee benefits | $728,000 | 2,913 |
| Premises and equipment expense | $195,000 | 2,887 |
| Additional noninterest expense | $301,000 | 3,739 |
| Pre-tax net operating income | $630,000 | 2,958 |
| Securities gains (losses) | $26,000 | 1,575 |
| Applicable income taxes | $179,000 | 2,770 |
| Income before extraordinary items | $477,000 | 3,054 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $477,000 | 3,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,486 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $458,020 | 3,030 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,999,000 | 3,111 |
| Total interest expense | $3,022,000 | 2,847 |
| Net interest income | $5,977,000 | 3,201 |
| Provision for loan and lease losses | $803,000 | 1,441 |
| Total noninterest income | $255,000 | 6,914 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $175,000 | 5,547 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $80,000 | 6,888 |
| Total noninterest expense | $3,922,000 | 3,771 |
| Salaries and employee benefits | $2,241,000 | 3,563 |
| Premises and equipment expense | $590,000 | 3,570 |
| Additional noninterest expense | $1,091,000 | 3,999 |
| Pre-tax net operating income | $1,507,000 | 4,117 |
| Securities gains (losses) | $436,000 | 829 |
| Applicable income taxes | $611,000 | 3,025 |
| Income before extraordinary items | $1,332,000 | 3,853 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,332,000 | 3,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 2,024 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,031,160 | 4,388 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,458,000 | 3,266 |
| Total interest expense | $2,272,000 | 2,929 |
| Net interest income | $4,186,000 | 3,389 |
| Provision for loan and lease losses | $653,000 | 1,311 |
| Total noninterest income | $175,000 | 7,123 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $115,000 | 5,861 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $60,000 | 6,950 |
| Total noninterest expense | $2,753,000 | 3,939 |
| Salaries and employee benefits | $1,582,000 | 3,749 |
| Premises and equipment expense | $411,000 | 3,776 |
| Additional noninterest expense | $760,000 | 4,220 |
| Pre-tax net operating income | $955,000 | 4,678 |
| Securities gains (losses) | $429,000 | 760 |
| Applicable income taxes | $445,000 | 3,231 |
| Income before extraordinary items | $939,000 | 4,153 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $939,000 | 4,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 1,490 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $647,280 | 5,009 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,219,000 | 3,348 |
| Total interest expense | $1,525,000 | 2,998 |
| Net interest income | $2,694,000 | 3,492 |
| Provision for loan and lease losses | $428,000 | 1,312 |
| Total noninterest income | $117,000 | 7,121 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $77,000 | 5,845 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $40,000 | 6,937 |
| Total noninterest expense | $1,722,000 | 4,148 |
| Salaries and employee benefits | $969,000 | 4,012 |
| Premises and equipment expense | $273,000 | 3,763 |
| Additional noninterest expense | $480,000 | 4,376 |
| Pre-tax net operating income | $661,000 | 4,584 |
| Securities gains (losses) | $261,000 | 890 |
| Applicable income taxes | $301,000 | 3,240 |
| Income before extraordinary items | $621,000 | 4,189 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $621,000 | 4,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 1,913 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $446,130 | 4,910 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,984,000 | 3,547 |
| Total interest expense | $746,000 | 3,139 |
| Net interest income | $1,238,000 | 3,714 |
| Provision for loan and lease losses | $258,000 | 1,086 |
| Total noninterest income | $58,000 | 7,077 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $39,000 | 5,725 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $19,000 | 7,007 |
| Total noninterest expense | $800,000 | 4,371 |
| Salaries and employee benefits | $461,000 | 4,157 |
| Premises and equipment expense | $121,000 | 4,122 |
| Additional noninterest expense | $218,000 | 4,659 |
| Pre-tax net operating income | $238,000 | 5,416 |
| Securities gains (losses) | $178,000 | 704 |
| Applicable income taxes | $132,000 | 3,455 |
| Income before extraordinary items | $284,000 | 4,387 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $284,000 | 4,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 1,083 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $162,960 | 5,632 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,842,000 | 4,121 |
| Total interest expense | $3,180,000 | 3,370 |
| Net interest income | $3,662,000 | 4,622 |
| Provision for loan and lease losses | $314,000 | 3,334 |
| Total noninterest income | $261,000 | 6,766 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $143,000 | 5,918 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $118,000 | 6,097 |
| Total noninterest expense | $2,865,000 | 4,614 |
| Salaries and employee benefits | $1,572,000 | 4,511 |
| Premises and equipment expense | $484,000 | 4,039 |
| Additional noninterest expense | $809,000 | 4,886 |
| Pre-tax net operating income | $744,000 | 5,945 |
| Securities gains (losses) | $284,000 | 931 |
| Applicable income taxes | $255,000 | 4,727 |
| Income before extraordinary items | $773,000 | 5,295 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $773,000 | 5,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,321 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $560,000 | 5,988 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,111,000 | 4,899 |
| Total interest expense | $3,252,000 | 4,438 |
| Net interest income | $2,859,000 | 5,250 |
| Provision for loan and lease losses | $193,000 | 4,225 |
| Total noninterest income | $225,000 | 7,065 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $96,000 | 6,650 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $129,000 | 5,838 |
| Total noninterest expense | $2,568,000 | 4,874 |
| Salaries and employee benefits | $1,394,000 | 4,772 |
| Premises and equipment expense | $459,000 | 4,166 |
| Additional noninterest expense | $715,000 | 5,204 |
| Pre-tax net operating income | $323,000 | 7,304 |
| Securities gains (losses) | $99,000 | 1,747 |
| Applicable income taxes | $72,000 | 6,376 |
| Income before extraordinary items | $350,000 | 6,830 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $350,000 | 6,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,943 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $267,830 | 7,210 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,400,000 | 5,457 |
| Total interest expense | $2,588,000 | 5,433 |
| Net interest income | $2,812,000 | 5,386 |
| Provision for loan and lease losses | $250,000 | 3,225 |
| Total noninterest income | $153,000 | 7,844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,329 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,664 |
| Total noninterest expense | $1,920,000 | 5,820 |
| Salaries and employee benefits | $996,000 | 5,932 |
| Premises and equipment expense | $377,000 | 4,697 |
| Additional noninterest expense | $547,000 | 6,088 |
| Pre-tax net operating income | $795,000 | 5,885 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $122,000 | 6,264 |
| Income before extraordinary items | $677,000 | 5,497 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $677,000 | 5,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,771 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $673,600 | 5,520 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,270,000 | 7,075 |
| Total interest expense | $1,358,000 | 7,285 |
| Net interest income | $1,912,000 | 6,805 |
| Provision for loan and lease losses | $210,000 | 3,440 |
| Total noninterest income | $115,000 | 8,601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 7,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,065 |
| Total noninterest expense | $1,410,000 | 7,022 |
| Salaries and employee benefits | $730,000 | 7,081 |
| Premises and equipment expense | $316,000 | 5,312 |
| Additional noninterest expense | $364,000 | 7,583 |
| Pre-tax net operating income | $407,000 | 7,571 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $407,000 | 6,950 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $407,000 | 6,949 |
| 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 | $0 | 1,035 |
| Net operating income | $407,000 | 6,921 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,592,000 | 9,171 |
| Total interest expense | $734,000 | 9,107 |
| Net interest income | $858,000 | 9,115 |
| Provision for loan and lease losses | $150,000 | 4,136 |
| Total noninterest income | $41,000 | 9,961 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 9,739 |
| Total noninterest expense | $1,434,000 | 6,869 |
| Salaries and employee benefits | $686,000 | 7,266 |
| Premises and equipment expense | $287,000 | 5,516 |
| Additional noninterest expense | $461,000 | 6,715 |
| Pre-tax net operating income | $-685,000 | 10,264 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-685,000 | 10,300 |
| Extraordinary gains, net | $-118,000 | 10,433 |
| Net income | $-803,000 | 10,330 |
| 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 | $8,000,000 | 134 |
| Net operating income | $-685,000 | 10,275 |
* 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.