Home > United Heritage Bank > Income and Expense
United Heritage Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,693,000 | 821 |
| Total interest expense | $6,547,000 | 746 |
| Net interest income | $6,146,000 | 910 |
| Provision for loan and lease losses | $-15,000 | 8,450 |
| Total noninterest income | $382,000 | 2,645 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $222,000 | 1,888 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $160,000 | 2,899 |
| Total noninterest expense | $3,641,000 | 1,282 |
| Salaries and employee benefits | $1,819,000 | 1,420 |
| Premises and equipment expense | $839,000 | 803 |
| Additional noninterest expense | $983,000 | 1,356 |
| Pre-tax net operating income | $2,902,000 | 822 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $963,000 | 757 |
| Income before extraordinary items | $1,939,000 | 912 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,939,000 | 911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,225 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 442 |
| Net operating income | $1,939,000 | 901 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $45,887,000 | 839 |
| Total interest expense | $21,214,000 | 792 |
| Net interest income | $24,673,000 | 895 |
| Provision for loan and lease losses | $974,000 | 1,059 |
| Total noninterest income | $1,086,000 | 3,354 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $740,000 | 2,265 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $346,000 | 4,017 |
| Total noninterest expense | $13,174,000 | 1,355 |
| Salaries and employee benefits | $6,964,000 | 1,409 |
| Premises and equipment expense | $2,703,000 | 925 |
| Additional noninterest expense | $3,507,000 | 1,506 |
| Pre-tax net operating income | $11,611,000 | 857 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $4,070,000 | 745 |
| Income before extraordinary items | $7,541,000 | 989 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,541,000 | 989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,669 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $285,000 | 693 |
| Net operating income | $7,541,000 | 981 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $33,548,000 | 867 |
| Total interest expense | $15,030,000 | 821 |
| Net interest income | $18,518,000 | 918 |
| Provision for loan and lease losses | $619,000 | 1,184 |
| Total noninterest income | $755,000 | 3,535 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $540,000 | 2,326 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $215,000 | 4,387 |
| Total noninterest expense | $9,556,000 | 1,409 |
| Salaries and employee benefits | $5,041,000 | 1,475 |
| Premises and equipment expense | $1,968,000 | 962 |
| Additional noninterest expense | $2,547,000 | 1,551 |
| Pre-tax net operating income | $9,098,000 | 859 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,249,000 | 739 |
| Income before extraordinary items | $5,849,000 | 988 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,849,000 | 987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,298 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $210,000 | 587 |
| Net operating income | $5,849,000 | 974 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $21,609,000 | 882 |
| Total interest expense | $9,420,000 | 826 |
| Net interest income | $12,189,000 | 927 |
| Provision for loan and lease losses | $395,000 | 1,186 |
| Total noninterest income | $491,000 | 3,571 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $355,000 | 2,324 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $136,000 | 4,497 |
| Total noninterest expense | $6,344,000 | 1,422 |
| Salaries and employee benefits | $3,370,000 | 1,471 |
| Premises and equipment expense | $1,300,000 | 969 |
| Additional noninterest expense | $1,674,000 | 1,574 |
| Pre-tax net operating income | $5,941,000 | 873 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,148,000 | 753 |
| Income before extraordinary items | $3,793,000 | 1,016 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,793,000 | 1,017 |
| 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 | $135,000 | 490 |
| Net operating income | $3,793,000 | 1,002 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,322,000 | 895 |
| Total interest expense | $4,356,000 | 848 |
| Net interest income | $5,966,000 | 947 |
| Provision for loan and lease losses | $299,000 | 813 |
| Total noninterest income | $241,000 | 3,563 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $178,000 | 2,245 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $3,148,000 | 1,440 |
| Salaries and employee benefits | $1,666,000 | 1,490 |
| Premises and equipment expense | $649,000 | 973 |
| Additional noninterest expense | $833,000 | 1,567 |
| Pre-tax net operating income | $2,760,000 | 920 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,005,000 | 785 |
| Income before extraordinary items | $1,755,000 | 1,069 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,755,000 | 1,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 366 |
| Net operating income | $1,755,000 | 1,054 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $29,283,000 | 1,124 |
| Total interest expense | $12,206,000 | 914 |
| Net interest income | $17,077,000 | 1,273 |
| Provision for loan and lease losses | $1,540,000 | 696 |
| Total noninterest income | $801,000 | 4,043 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $558,000 | 2,818 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $243,000 | 4,794 |
| Total noninterest expense | $10,834,000 | 1,585 |
| Salaries and employee benefits | $5,750,000 | 1,627 |
| Premises and equipment expense | $2,175,000 | 1,117 |
| Additional noninterest expense | $2,909,000 | 1,739 |
| Pre-tax net operating income | $5,504,000 | 1,695 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,019,000 | 1,354 |
| Income before extraordinary items | $3,485,000 | 1,966 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,485,000 | 1,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,650 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,485,000 | 1,946 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,871,000 | 1,220 |
| Total interest expense | $8,270,000 | 955 |
| Net interest income | $11,601,000 | 1,387 |
| Provision for loan and lease losses | $1,162,000 | 662 |
| Total noninterest income | $581,000 | 4,138 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $459,000 | 2,618 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $122,000 | 5,575 |
| Total noninterest expense | $7,817,000 | 1,619 |
| Salaries and employee benefits | $4,172,000 | 1,660 |
| Premises and equipment expense | $1,579,000 | 1,151 |
| Additional noninterest expense | $2,066,000 | 1,812 |
| Pre-tax net operating income | $3,203,000 | 2,122 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,206,000 | 1,645 |
| Income before extraordinary items | $1,997,000 | 2,491 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,997,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,883 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,997,000 | 2,461 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,804,000 | 1,334 |
| Total interest expense | $4,827,000 | 1,030 |
| Net interest income | $6,977,000 | 1,536 |
| Provision for loan and lease losses | $677,000 | 745 |
| Total noninterest income | $362,000 | 4,292 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $287,000 | 2,705 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $75,000 | 5,733 |
| Total noninterest expense | $4,949,000 | 1,688 |
| Salaries and employee benefits | $2,654,000 | 1,739 |
| Premises and equipment expense | $1,005,000 | 1,200 |
| Additional noninterest expense | $1,290,000 | 1,905 |
| Pre-tax net operating income | $1,713,000 | 2,460 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $655,000 | 1,880 |
| Income before extraordinary items | $1,058,000 | 2,961 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,058,000 | 2,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,392 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,058,000 | 2,924 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,307,000 | 1,451 |
| Total interest expense | $2,086,000 | 1,126 |
| Net interest income | $3,221,000 | 1,661 |
| Provision for loan and lease losses | $186,000 | 1,193 |
| Total noninterest income | $157,000 | 4,590 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $136,000 | 2,758 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $2,280,000 | 1,832 |
| Salaries and employee benefits | $1,209,000 | 1,898 |
| Premises and equipment expense | $470,000 | 1,277 |
| Additional noninterest expense | $601,000 | 2,038 |
| Pre-tax net operating income | $912,000 | 2,330 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $352,000 | 1,763 |
| Income before extraordinary items | $560,000 | 2,765 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $560,000 | 2,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,216 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $560,000 | 2,716 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,655,000 | 1,719 |
| Total interest expense | $5,913,000 | 1,394 |
| Net interest income | $10,742,000 | 1,885 |
| Provision for loan and lease losses | $618,000 | 1,606 |
| Total noninterest income | $548,000 | 5,043 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $463,000 | 3,313 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $85,000 | 6,680 |
| Total noninterest expense | $7,149,000 | 2,229 |
| Salaries and employee benefits | $3,499,000 | 2,487 |
| Premises and equipment expense | $1,406,000 | 1,658 |
| Additional noninterest expense | $2,244,000 | 2,175 |
| Pre-tax net operating income | $3,523,000 | 2,262 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,359,000 | 1,739 |
| Income before extraordinary items | $2,164,000 | 2,728 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,164,000 | 2,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,233 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,164,000 | 2,672 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,986,000 | 1,768 |
| Total interest expense | $4,238,000 | 1,421 |
| Net interest income | $7,748,000 | 1,945 |
| Provision for loan and lease losses | $492,000 | 1,478 |
| Total noninterest income | $388,000 | 5,205 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $337,000 | 3,399 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $51,000 | 7,030 |
| Total noninterest expense | $5,143,000 | 2,319 |
| Salaries and employee benefits | $2,580,000 | 2,500 |
| Premises and equipment expense | $967,000 | 1,794 |
| Additional noninterest expense | $1,596,000 | 2,267 |
| Pre-tax net operating income | $2,501,000 | 2,390 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $965,000 | 1,834 |
| Income before extraordinary items | $1,536,000 | 2,893 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,536,000 | 2,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,410 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,536,000 | 2,827 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,722,000 | 1,819 |
| Total interest expense | $2,720,000 | 1,461 |
| Net interest income | $5,002,000 | 1,990 |
| Provision for loan and lease losses | $386,000 | 1,272 |
| Total noninterest income | $249,000 | 5,299 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $216,000 | 3,468 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $33,000 | 7,099 |
| Total noninterest expense | $3,359,000 | 2,362 |
| Salaries and employee benefits | $1,628,000 | 2,634 |
| Premises and equipment expense | $627,000 | 1,832 |
| Additional noninterest expense | $1,104,000 | 2,193 |
| Pre-tax net operating income | $1,506,000 | 2,576 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $582,000 | 1,977 |
| Income before extraordinary items | $924,000 | 3,137 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $924,000 | 3,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,218 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $924,000 | 3,049 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,824,000 | 1,839 |
| Total interest expense | $1,319,000 | 1,512 |
| Net interest income | $2,505,000 | 1,989 |
| Provision for loan and lease losses | $160,000 | 1,360 |
| Total noninterest income | $127,000 | 5,178 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $112,000 | 3,310 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $15,000 | 7,252 |
| Total noninterest expense | $1,767,000 | 2,252 |
| Salaries and employee benefits | $792,000 | 2,713 |
| Premises and equipment expense | $346,000 | 1,691 |
| Additional noninterest expense | $629,000 | 1,871 |
| Pre-tax net operating income | $705,000 | 2,687 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $274,000 | 2,061 |
| Income before extraordinary items | $431,000 | 3,312 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $431,000 | 3,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 1,730 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $431,000 | 3,196 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,228,000 | 3,713 |
| Total interest expense | $2,995,000 | 2,869 |
| Net interest income | $4,233,000 | 4,183 |
| Provision for loan and lease losses | $349,000 | 2,873 |
| Total noninterest income | $356,000 | 6,226 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $282,000 | 4,460 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $74,000 | 6,997 |
| Total noninterest expense | $3,776,000 | 3,867 |
| Salaries and employee benefits | $1,995,000 | 3,933 |
| Premises and equipment expense | $677,000 | 3,171 |
| Additional noninterest expense | $1,104,000 | 3,969 |
| Pre-tax net operating income | $464,000 | 6,789 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $206,000 | 4,884 |
| Income before extraordinary items | $258,000 | 7,480 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $258,000 | 7,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,260 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $258,000 | 7,338 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,230,000 | 3,878 |
| Total interest expense | $2,272,000 | 2,929 |
| Net interest income | $2,958,000 | 4,426 |
| Provision for loan and lease losses | $190,000 | 3,426 |
| Total noninterest income | $269,000 | 6,241 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $209,000 | 4,495 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $60,000 | 6,950 |
| Total noninterest expense | $2,779,000 | 3,911 |
| Salaries and employee benefits | $1,485,000 | 3,950 |
| Premises and equipment expense | $505,000 | 3,198 |
| Additional noninterest expense | $789,000 | 4,098 |
| Pre-tax net operating income | $258,000 | 7,399 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $118,000 | 5,387 |
| Income before extraordinary items | $140,000 | 7,975 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $140,000 | 7,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $140,000 | 7,830 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,429,000 | 3,968 |
| Total interest expense | $1,516,000 | 3,015 |
| Net interest income | $1,913,000 | 4,528 |
| Provision for loan and lease losses | $62,000 | 4,661 |
| Total noninterest income | $179,000 | 6,241 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $133,000 | 4,584 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $46,000 | 6,714 |
| Total noninterest expense | $1,851,000 | 3,913 |
| Salaries and employee benefits | $990,000 | 3,950 |
| Premises and equipment expense | $331,000 | 3,233 |
| Additional noninterest expense | $530,000 | 4,050 |
| Pre-tax net operating income | $179,000 | 7,390 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $83,000 | 5,372 |
| Income before extraordinary items | $96,000 | 7,995 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $96,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $96,000 | 7,827 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,703,000 | 4,014 |
| Total interest expense | $733,000 | 3,189 |
| Net interest income | $970,000 | 4,488 |
| Provision for loan and lease losses | $37,000 | 4,214 |
| Total noninterest income | $83,000 | 6,334 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $63,000 | 4,635 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $933,000 | 3,877 |
| Salaries and employee benefits | $505,000 | 3,867 |
| Premises and equipment expense | $165,000 | 3,224 |
| Additional noninterest expense | $263,000 | 4,055 |
| Pre-tax net operating income | $83,000 | 7,472 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $38,000 | 5,468 |
| Income before extraordinary items | $45,000 | 7,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $45,000 | 7,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $45,000 | 7,844 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,762,000 | 4,687 |
| Total interest expense | $2,321,000 | 4,336 |
| Net interest income | $3,441,000 | 4,810 |
| Provision for loan and lease losses | $542,000 | 2,254 |
| Total noninterest income | $238,000 | 6,964 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $151,000 | 5,822 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 6,718 |
| Total noninterest expense | $3,258,000 | 4,181 |
| Salaries and employee benefits | $1,774,000 | 4,139 |
| Premises and equipment expense | $553,000 | 3,651 |
| Additional noninterest expense | $931,000 | 4,424 |
| Pre-tax net operating income | $-121,000 | 8,779 |
| Securities gains (losses) | $33,000 | 2,759 |
| Applicable income taxes | $2,000 | 7,560 |
| Income before extraordinary items | $-90,000 | 8,828 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-90,000 | 8,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,276 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-123,000 | 8,797 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,555,000 | 7,685 |
| Total interest expense | $816,000 | 8,399 |
| Net interest income | $1,739,000 | 6,910 |
| Provision for loan and lease losses | $493,000 | 2,240 |
| Total noninterest income | $76,000 | 8,831 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $70,000 | 7,167 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,000 | 9,281 |
| Total noninterest expense | $2,406,000 | 5,097 |
| Salaries and employee benefits | $1,346,000 | 4,907 |
| Premises and equipment expense | $239,000 | 6,220 |
| Additional noninterest expense | $821,000 | 4,704 |
| Pre-tax net operating income | $-1,084,000 | 9,375 |
| Securities gains (losses) | $21,000 | 3,115 |
| Applicable income taxes | $-460,000 | 9,494 |
| Income before extraordinary items | $-603,000 | 9,279 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-603,000 | 9,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $19,817,000 | 37 |
| Net operating income | $-616,440 | 9,252 |
* 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.