Home > First National Bank of Gwinnett > Income and Expense
First National Bank of Gwinnett, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,324,000 | 7,005 |
| Total interest expense | $801,000 | 6,112 |
| Net interest income | $523,000 | 7,644 |
| Provision for loan and lease losses | $-51,000 | 8,378 |
| Total noninterest income | $1,000 | 8,287 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $31,000 | 6,533 |
| Trading account gains and fees | $-31,000 | 8,360 |
| Additional Noninterest Income | $1,000 | 8,142 |
| Total noninterest expense | $527,000 | 7,545 |
| Salaries and employee benefits | $178,000 | 8,083 |
| Premises and equipment expense | $30,000 | 8,088 |
| Additional noninterest expense | $319,000 | 6,021 |
| Pre-tax net operating income | $48,000 | 6,684 |
| Securities gains (losses) | $-7,000 | 8,091 |
| Applicable income taxes | $31,000 | 4,398 |
| Income before extraordinary items | $10,000 | 6,957 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $10,000 | 6,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,817 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $14,480 | 6,871 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,944,000 | 3,281 |
| Total interest expense | $1,944,000 | 2,295 |
| Net interest income | $1,000,000 | 4,627 |
| Provision for loan and lease losses | $769,000 | 743 |
| Total noninterest income | $36,000 | 7,103 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $58,000 | 4,507 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-22,000 | 8,422 |
| Total noninterest expense | $880,000 | 4,650 |
| Salaries and employee benefits | $401,000 | 5,223 |
| Premises and equipment expense | $80,000 | 5,724 |
| Additional noninterest expense | $399,000 | 3,319 |
| Pre-tax net operating income | $-613,000 | 8,155 |
| Securities gains (losses) | $10,000 | 1,965 |
| Applicable income taxes | $-257,000 | 8,295 |
| Income before extraordinary items | $-346,000 | 8,031 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-346,000 | 8,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,724 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-352,400 | 8,012 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,680,000 | 2,914 |
| Total interest expense | $7,210,000 | 2,549 |
| Net interest income | $6,470,000 | 3,311 |
| Provision for loan and lease losses | $400,000 | 2,692 |
| Total noninterest income | $190,000 | 6,808 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $159,000 | 5,333 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $31,000 | 7,517 |
| Total noninterest expense | $3,303,000 | 4,705 |
| Salaries and employee benefits | $1,576,000 | 5,145 |
| Premises and equipment expense | $318,000 | 5,647 |
| Additional noninterest expense | $1,409,000 | 3,603 |
| Pre-tax net operating income | $2,957,000 | 2,500 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $996,000 | 1,869 |
| Income before extraordinary items | $1,962,000 | 2,862 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,962,000 | 2,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,770 |
| Cash dividends | $764,000 | 3,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,961,340 | 2,846 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,104,000 | 2,959 |
| Total interest expense | $5,171,000 | 2,660 |
| Net interest income | $4,933,000 | 3,268 |
| Provision for loan and lease losses | $310,000 | 2,268 |
| Total noninterest income | $133,000 | 6,939 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $107,000 | 5,522 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $26,000 | 7,468 |
| Total noninterest expense | $2,400,000 | 4,779 |
| Salaries and employee benefits | $1,168,000 | 5,184 |
| Premises and equipment expense | $240,000 | 5,610 |
| Additional noninterest expense | $992,000 | 3,724 |
| Pre-tax net operating income | $2,356,000 | 2,531 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $833,000 | 1,848 |
| Income before extraordinary items | $1,523,000 | 2,935 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,523,000 | 2,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,856 |
| Cash dividends | $573,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,523,000 | 2,924 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,547,000 | 3,040 |
| Total interest expense | $3,276,000 | 2,780 |
| Net interest income | $3,271,000 | 3,309 |
| Provision for loan and lease losses | $120,000 | 2,960 |
| Total noninterest income | $71,000 | 7,291 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $56,000 | 5,910 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $15,000 | 7,629 |
| Total noninterest expense | $1,564,000 | 4,884 |
| Salaries and employee benefits | $765,000 | 5,271 |
| Premises and equipment expense | $162,000 | 5,630 |
| Additional noninterest expense | $637,000 | 3,841 |
| Pre-tax net operating income | $1,658,000 | 2,505 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $592,000 | 1,858 |
| Income before extraordinary items | $1,066,000 | 2,890 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,066,000 | 2,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,070 |
| Cash dividends | $382,000 | 2,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,066,000 | 2,875 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,203,000 | 3,094 |
| Total interest expense | $1,564,000 | 2,875 |
| Net interest income | $1,639,000 | 3,298 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $31,000 | 7,421 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $23,000 | 6,169 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $8,000 | 7,599 |
| Total noninterest expense | $753,000 | 5,003 |
| Salaries and employee benefits | $360,000 | 5,500 |
| Premises and equipment expense | $82,000 | 5,625 |
| Additional noninterest expense | $311,000 | 3,865 |
| Pre-tax net operating income | $887,000 | 2,371 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $320,000 | 1,779 |
| Income before extraordinary items | $567,000 | 2,758 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $567,000 | 2,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $191,000 | 2,517 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $567,000 | 2,746 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,606,000 | 3,193 |
| Total interest expense | $5,448,000 | 2,817 |
| Net interest income | $6,158,000 | 3,457 |
| Provision for loan and lease losses | $1,085,000 | 978 |
| Total noninterest income | $292,000 | 6,227 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $144,000 | 5,596 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $148,000 | 5,635 |
| Total noninterest expense | $2,984,000 | 4,908 |
| Salaries and employee benefits | $1,604,000 | 4,982 |
| Premises and equipment expense | $359,000 | 5,258 |
| Additional noninterest expense | $1,021,000 | 4,449 |
| Pre-tax net operating income | $2,381,000 | 3,242 |
| Securities gains (losses) | $-10,000 | 7,284 |
| Applicable income taxes | $843,000 | 2,410 |
| Income before extraordinary items | $1,528,000 | 3,726 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,528,000 | 3,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,245,000 | 569 |
| Cash dividends | $668,000 | 3,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,534,400 | 3,698 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,519,000 | 3,220 |
| Total interest expense | $3,907,000 | 2,835 |
| Net interest income | $4,612,000 | 3,480 |
| Provision for loan and lease losses | $252,000 | 2,436 |
| Total noninterest income | $250,000 | 6,013 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $120,000 | 5,469 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $130,000 | 5,386 |
| Total noninterest expense | $2,440,000 | 4,614 |
| Salaries and employee benefits | $1,311,000 | 4,687 |
| Premises and equipment expense | $291,000 | 5,044 |
| Additional noninterest expense | $838,000 | 4,137 |
| Pre-tax net operating income | $2,170,000 | 2,954 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $791,000 | 2,219 |
| Income before extraordinary items | $1,379,000 | 3,387 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,379,000 | 3,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 1,717 |
| Cash dividends | $668,000 | 2,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,379,000 | 3,380 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,401,000 | 3,295 |
| Total interest expense | $2,470,000 | 2,849 |
| Net interest income | $2,931,000 | 3,611 |
| Provision for loan and lease losses | $144,000 | 2,732 |
| Total noninterest income | $200,000 | 5,640 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $84,000 | 5,367 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $116,000 | 4,813 |
| Total noninterest expense | $1,664,000 | 4,560 |
| Salaries and employee benefits | $910,000 | 4,581 |
| Premises and equipment expense | $197,000 | 4,979 |
| Additional noninterest expense | $557,000 | 4,147 |
| Pre-tax net operating income | $1,323,000 | 3,152 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $477,000 | 2,387 |
| Income before extraordinary items | $846,000 | 3,600 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $846,000 | 3,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 1,345 |
| Cash dividends | $668,000 | 1,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $846,000 | 3,590 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,634,000 | 3,303 |
| Total interest expense | $1,161,000 | 2,878 |
| Net interest income | $1,473,000 | 3,591 |
| Provision for loan and lease losses | $72,000 | 2,600 |
| Total noninterest income | $105,000 | 5,497 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $39,000 | 5,460 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $66,000 | 4,533 |
| Total noninterest expense | $817,000 | 4,620 |
| Salaries and employee benefits | $441,000 | 4,709 |
| Premises and equipment expense | $100,000 | 4,961 |
| Additional noninterest expense | $276,000 | 4,166 |
| Pre-tax net operating income | $689,000 | 3,000 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $243,000 | 2,317 |
| Income before extraordinary items | $446,000 | 3,431 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $446,000 | 3,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 859 |
| Cash dividends | $167,000 | 2,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $446,000 | 3,409 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,938,000 | 3,778 |
| Total interest expense | $3,210,000 | 3,151 |
| Net interest income | $4,728,000 | 4,118 |
| Provision for loan and lease losses | $323,000 | 2,685 |
| Total noninterest income | $436,000 | 5,542 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $160,000 | 5,502 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $276,000 | 4,527 |
| Total noninterest expense | $2,816,000 | 4,994 |
| Salaries and employee benefits | $1,526,000 | 4,988 |
| Premises and equipment expense | $302,000 | 5,715 |
| Additional noninterest expense | $988,000 | 4,458 |
| Pre-tax net operating income | $2,025,000 | 3,659 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $684,000 | 2,856 |
| Income before extraordinary items | $1,341,000 | 4,068 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,341,000 | 4,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,670 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,341,000 | 4,032 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,333,000 | 4,056 |
| Total interest expense | $2,121,000 | 3,341 |
| Net interest income | $3,212,000 | 4,432 |
| Provision for loan and lease losses | $244,000 | 2,593 |
| Total noninterest income | $345,000 | 5,463 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $107,000 | 5,742 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $238,000 | 4,221 |
| Total noninterest expense | $2,040,000 | 5,068 |
| Salaries and employee benefits | $1,072,000 | 5,189 |
| Premises and equipment expense | $205,000 | 5,974 |
| Additional noninterest expense | $763,000 | 4,338 |
| Pre-tax net operating income | $1,273,000 | 4,164 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $430,000 | 3,206 |
| Income before extraordinary items | $843,000 | 4,617 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $843,000 | 4,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,863 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $843,000 | 4,577 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,945,000 | 4,565 |
| Total interest expense | $1,115,000 | 3,828 |
| Net interest income | $1,830,000 | 4,894 |
| Provision for loan and lease losses | $166,000 | 2,472 |
| Total noninterest income | $188,000 | 5,870 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $55,000 | 6,149 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $133,000 | 4,579 |
| Total noninterest expense | $1,201,000 | 5,472 |
| Salaries and employee benefits | $613,000 | 5,687 |
| Premises and equipment expense | $104,000 | 6,616 |
| Additional noninterest expense | $484,000 | 4,489 |
| Pre-tax net operating income | $651,000 | 4,794 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $216,000 | 3,662 |
| Income before extraordinary items | $435,000 | 5,240 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $435,000 | 5,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,162 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $435,000 | 5,189 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $709,000 | 6,718 |
| Total interest expense | $266,000 | 5,801 |
| Net interest income | $443,000 | 7,019 |
| Provision for loan and lease losses | $67,000 | 2,712 |
| Total noninterest income | $56,000 | 6,874 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $16,000 | 6,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $40,000 | 5,645 |
| Total noninterest expense | $290,000 | 7,528 |
| Salaries and employee benefits | $146,000 | 7,718 |
| Premises and equipment expense | $36,000 | 7,416 |
| Additional noninterest expense | $100,000 | 7,144 |
| Pre-tax net operating income | $142,000 | 6,670 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $39,000 | 5,067 |
| Income before extraordinary items | $103,000 | 6,845 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $103,000 | 6,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 1,295 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $103,000 | 6,815 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,133,000 | 4,192 |
| Total interest expense | $1,887,000 | 3,822 |
| Net interest income | $4,246,000 | 4,302 |
| Provision for loan and lease losses | $360,000 | 2,548 |
| Total noninterest income | $630,000 | 4,694 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $206,000 | 5,157 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $424,000 | 3,608 |
| Total noninterest expense | $3,110,000 | 4,546 |
| Salaries and employee benefits | $1,808,000 | 4,328 |
| Premises and equipment expense | $463,000 | 4,324 |
| Additional noninterest expense | $839,000 | 4,940 |
| Pre-tax net operating income | $1,406,000 | 4,417 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $501,000 | 3,355 |
| Income before extraordinary items | $905,000 | 4,953 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $905,000 | 4,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,118 |
| Cash dividends | $32,000 | 5,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $905,000 | 4,882 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,390,000 | 4,310 |
| Total interest expense | $1,338,000 | 3,960 |
| Net interest income | $3,052,000 | 4,409 |
| Provision for loan and lease losses | $295,000 | 2,304 |
| Total noninterest income | $411,000 | 5,068 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $168,000 | 5,031 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $243,000 | 4,109 |
| Total noninterest expense | $2,295,000 | 4,560 |
| Salaries and employee benefits | $1,315,000 | 4,383 |
| Premises and equipment expense | $342,000 | 4,352 |
| Additional noninterest expense | $638,000 | 4,849 |
| Pre-tax net operating income | $873,000 | 4,968 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $312,000 | 3,729 |
| Income before extraordinary items | $561,000 | 5,534 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $561,000 | 5,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,770 |
| Cash dividends | $8,000 | 5,314 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $561,000 | 5,464 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,766,000 | 4,500 |
| Total interest expense | $846,000 | 4,112 |
| Net interest income | $1,920,000 | 4,597 |
| Provision for loan and lease losses | $195,000 | 2,252 |
| Total noninterest income | $270,000 | 5,072 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $104,000 | 5,184 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $166,000 | 4,121 |
| Total noninterest expense | $1,501,000 | 4,665 |
| Salaries and employee benefits | $854,000 | 4,501 |
| Premises and equipment expense | $224,000 | 4,428 |
| Additional noninterest expense | $423,000 | 4,868 |
| Pre-tax net operating income | $494,000 | 5,336 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $176,000 | 3,992 |
| Income before extraordinary items | $318,000 | 5,904 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $318,000 | 5,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,880 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $318,000 | 5,820 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,328,000 | 4,648 |
| Total interest expense | $402,000 | 4,318 |
| Net interest income | $926,000 | 4,728 |
| Provision for loan and lease losses | $105,000 | 2,016 |
| Total noninterest income | $145,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $50,000 | 5,207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $95,000 | 3,820 |
| Total noninterest expense | $735,000 | 4,754 |
| Salaries and employee benefits | $419,000 | 4,579 |
| Premises and equipment expense | $109,000 | 4,538 |
| Additional noninterest expense | $207,000 | 4,938 |
| Pre-tax net operating income | $231,000 | 5,474 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $84,000 | 4,060 |
| Income before extraordinary items | $147,000 | 6,059 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $147,000 | 6,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,675 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $147,000 | 5,939 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,392,000 | 5,328 |
| Total interest expense | $1,394,000 | 5,109 |
| Net interest income | $2,998,000 | 5,312 |
| Provision for loan and lease losses | $297,000 | 3,230 |
| Total noninterest income | $1,449,000 | 2,917 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $220,000 | 5,059 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,229,000 | 2,090 |
| Total noninterest expense | $3,114,000 | 4,494 |
| Salaries and employee benefits | $1,913,000 | 4,073 |
| Premises and equipment expense | $437,000 | 4,452 |
| Additional noninterest expense | $764,000 | 5,213 |
| Pre-tax net operating income | $1,036,000 | 5,082 |
| Securities gains (losses) | $-1,000 | 8,546 |
| Applicable income taxes | $380,000 | 3,888 |
| Income before extraordinary items | $655,000 | 5,751 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $655,000 | 5,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,724 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $655,640 | 5,586 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,148,000 | 5,528 |
| Total interest expense | $1,031,000 | 5,285 |
| Net interest income | $2,117,000 | 5,532 |
| Provision for loan and lease losses | $251,000 | 2,839 |
| Total noninterest income | $1,193,000 | 2,793 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $160,000 | 5,152 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,033,000 | 2,004 |
| Total noninterest expense | $2,383,000 | 4,423 |
| Salaries and employee benefits | $1,481,000 | 3,959 |
| Premises and equipment expense | $323,000 | 4,501 |
| Additional noninterest expense | $579,000 | 5,142 |
| Pre-tax net operating income | $676,000 | 5,599 |
| Securities gains (losses) | $-1,000 | 8,731 |
| Applicable income taxes | $247,000 | 4,301 |
| Income before extraordinary items | $428,000 | 6,193 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $428,000 | 6,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,109 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $428,640 | 6,031 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,980,000 | 5,782 |
| Total interest expense | $682,000 | 5,428 |
| Net interest income | $1,298,000 | 5,806 |
| Provision for loan and lease losses | $174,000 | 2,792 |
| Total noninterest income | $707,000 | 2,990 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $103,000 | 5,211 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $604,000 | 2,180 |
| Total noninterest expense | $1,513,000 | 4,554 |
| Salaries and employee benefits | $927,000 | 4,159 |
| Premises and equipment expense | $215,000 | 4,496 |
| Additional noninterest expense | $371,000 | 5,270 |
| Pre-tax net operating income | $318,000 | 6,382 |
| Securities gains (losses) | $-1,000 | 8,850 |
| Applicable income taxes | $120,000 | 4,860 |
| Income before extraordinary items | $197,000 | 6,991 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $197,000 | 6,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $197,640 | 6,797 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $947,000 | 5,945 |
| Total interest expense | $334,000 | 5,590 |
| Net interest income | $613,000 | 6,000 |
| Provision for loan and lease losses | $81,000 | 2,718 |
| Total noninterest income | $271,000 | 3,475 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $51,000 | 5,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $220,000 | 2,555 |
| Total noninterest expense | $702,000 | 4,781 |
| Salaries and employee benefits | $410,000 | 4,540 |
| Premises and equipment expense | $102,000 | 4,629 |
| Additional noninterest expense | $190,000 | 5,155 |
| Pre-tax net operating income | $101,000 | 7,173 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $38,000 | 5,468 |
| Income before extraordinary items | $63,000 | 7,631 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $63,000 | 7,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $63,000 | 7,480 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,402,000 | 6,435 |
| Total interest expense | $1,327,000 | 6,105 |
| Net interest income | $2,075,000 | 6,508 |
| Provision for loan and lease losses | $277,000 | 3,627 |
| Total noninterest income | $622,000 | 4,635 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $226,000 | 4,943 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $396,000 | 3,725 |
| Total noninterest expense | $2,200,000 | 5,531 |
| Salaries and employee benefits | $1,186,000 | 5,523 |
| Premises and equipment expense | $359,000 | 5,005 |
| Additional noninterest expense | $655,000 | 5,630 |
| Pre-tax net operating income | $220,000 | 7,857 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-348,000 | 9,204 |
| Income before extraordinary items | $568,000 | 6,106 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $568,000 | 6,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,701 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 744 |
| Net operating income | $568,000 | 5,958 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,319,000 | 7,931 |
| Total interest expense | $1,081,000 | 7,851 |
| Net interest income | $1,238,000 | 7,806 |
| Provision for loan and lease losses | $368,000 | 2,794 |
| Total noninterest income | $136,000 | 8,019 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $54,000 | 7,519 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $82,000 | 6,833 |
| Total noninterest expense | $1,384,000 | 7,045 |
| Salaries and employee benefits | $728,000 | 7,074 |
| Premises and equipment expense | $198,000 | 6,821 |
| Additional noninterest expense | $458,000 | 6,727 |
| Pre-tax net operating income | $-378,000 | 9,095 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-378,000 | 9,173 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-378,000 | 9,174 |
| 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 | $0 | 922 |
| Net operating income | $-378,000 | 9,126 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $274,000 | 9,793 |
| Total interest expense | $134,000 | 9,718 |
| Net interest income | $140,000 | 9,820 |
| Provision for loan and lease losses | $53,000 | 6,459 |
| Total noninterest income | $0 | 9,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 9,820 |
| Total noninterest expense | $722,000 | 8,765 |
| Salaries and employee benefits | $386,000 | 8,820 |
| Premises and equipment expense | $127,000 | 7,974 |
| Additional noninterest expense | $209,000 | 8,702 |
| Pre-tax net operating income | $-635,000 | 9,606 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-635,000 | 9,633 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-635,000 | 9,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $7,629,000 | 106 |
| Net operating income | $-635,000 | 9,631 |
* 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.