Home > American United Bank > Income and Expense
American United Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,570,000 | 5,336 |
| Total interest expense | $3,085,000 | 2,793 |
| Net interest income | $485,000 | 7,824 |
| Provision for loan and lease losses | $5,207,000 | 1,011 |
| Total noninterest income | $515,000 | 4,173 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $18,000 | 6,902 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $497,000 | 2,822 |
| Total noninterest expense | $3,004,000 | 4,352 |
| Salaries and employee benefits | $945,000 | 5,735 |
| Premises and equipment expense | $300,000 | 5,037 |
| Additional noninterest expense | $1,759,000 | 2,865 |
| Pre-tax net operating income | $-7,211,000 | 7,634 |
| Securities gains (losses) | $303,000 | 993 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-6,908,000 | 7,686 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,908,000 | 7,685 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,908,000 | 7,685 |
| Net charge-offs | $4,125,000 | 957 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-7,211,000 | 7,705 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,508,000 | 5,221 |
| Total interest expense | $2,117,000 | 2,828 |
| Net interest income | $391,000 | 7,765 |
| Provision for loan and lease losses | $3,357,000 | 1,008 |
| Total noninterest income | $138,000 | 5,866 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $10,000 | 6,998 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $128,000 | 4,389 |
| Total noninterest expense | $1,254,000 | 5,734 |
| Salaries and employee benefits | $557,000 | 6,102 |
| Premises and equipment expense | $177,000 | 5,380 |
| Additional noninterest expense | $520,000 | 5,140 |
| Pre-tax net operating income | $-4,082,000 | 7,675 |
| Securities gains (losses) | $303,000 | 760 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-3,779,000 | 7,705 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,779,000 | 7,704 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,779,000 | 7,704 |
| Net charge-offs | $1,290,000 | 1,449 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,082,000 | 7,747 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,343,000 | 5,057 |
| Total interest expense | $1,071,000 | 2,900 |
| Net interest income | $272,000 | 7,482 |
| Provision for loan and lease losses | $50,000 | 4,881 |
| Total noninterest income | $29,000 | 7,057 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $8,000 | 6,838 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $21,000 | 6,118 |
| Total noninterest expense | $509,000 | 6,229 |
| Salaries and employee benefits | $251,000 | 6,385 |
| Premises and equipment expense | $85,000 | 5,522 |
| Additional noninterest expense | $173,000 | 5,964 |
| Pre-tax net operating income | $-258,000 | 6,987 |
| Securities gains (losses) | $174,000 | 727 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-84,000 | 6,769 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-84,000 | 6,770 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-84,000 | 6,770 |
| Net charge-offs | $294,000 | 1,795 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-258,000 | 7,069 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,270,000 | 4,813 |
| Total interest expense | $4,487,000 | 3,229 |
| Net interest income | $1,783,000 | 6,662 |
| Provision for loan and lease losses | $1,770,000 | 1,950 |
| Total noninterest income | $154,000 | 6,856 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $23,000 | 7,000 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $131,000 | 5,530 |
| Total noninterest expense | $2,459,000 | 5,688 |
| Salaries and employee benefits | $1,411,000 | 5,516 |
| Premises and equipment expense | $312,000 | 5,693 |
| Additional noninterest expense | $736,000 | 5,695 |
| Pre-tax net operating income | $-2,292,000 | 7,449 |
| Securities gains (losses) | $109,000 | 1,068 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-2,183,000 | 7,432 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,183,000 | 7,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 3,999 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,347 |
| Net operating income | $-2,292,000 | 7,551 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,766,000 | 4,843 |
| Total interest expense | $3,283,000 | 3,400 |
| Net interest income | $1,483,000 | 6,489 |
| Provision for loan and lease losses | $210,000 | 4,122 |
| Total noninterest income | $149,000 | 6,604 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $17,000 | 7,062 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $132,000 | 5,166 |
| Total noninterest expense | $1,844,000 | 5,696 |
| Salaries and employee benefits | $1,090,000 | 5,445 |
| Premises and equipment expense | $228,000 | 5,768 |
| Additional noninterest expense | $526,000 | 5,777 |
| Pre-tax net operating income | $-422,000 | 7,211 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-421,000 | 7,127 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-421,000 | 7,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,232 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,190 |
| Net operating income | $-422,000 | 7,266 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,191,000 | 4,893 |
| Total interest expense | $2,206,000 | 3,496 |
| Net interest income | $985,000 | 6,513 |
| Provision for loan and lease losses | $360,000 | 2,284 |
| Total noninterest income | $57,000 | 7,339 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $12,000 | 7,080 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $45,000 | 6,281 |
| Total noninterest expense | $1,139,000 | 5,924 |
| Salaries and employee benefits | $639,000 | 5,872 |
| Premises and equipment expense | $153,000 | 5,787 |
| Additional noninterest expense | $347,000 | 5,796 |
| Pre-tax net operating income | $-457,000 | 7,574 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-457,000 | 7,664 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-457,000 | 7,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,321 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,094 |
| Net operating income | $-457,000 | 7,640 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,709,000 | 4,786 |
| Total interest expense | $1,182,000 | 3,493 |
| Net interest income | $527,000 | 6,379 |
| Provision for loan and lease losses | $369,000 | 1,213 |
| Total noninterest income | $11,000 | 8,018 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $6,000 | 7,087 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $5,000 | 7,707 |
| Total noninterest expense | $554,000 | 6,034 |
| Salaries and employee benefits | $316,000 | 5,944 |
| Premises and equipment expense | $83,000 | 5,643 |
| Additional noninterest expense | $155,000 | 6,092 |
| Pre-tax net operating income | $-385,000 | 7,992 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-385,000 | 8,064 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-385,000 | 8,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 2,029 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 964 |
| Net operating income | $-385,000 | 8,046 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,379,000 | 5,007 |
| Total interest expense | $3,751,000 | 4,176 |
| Net interest income | $2,628,000 | 5,844 |
| Provision for loan and lease losses | $725,000 | 1,803 |
| Total noninterest income | $252,000 | 6,375 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $38,000 | 6,925 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $214,000 | 4,928 |
| Total noninterest expense | $2,002,000 | 6,215 |
| Salaries and employee benefits | $1,123,000 | 6,169 |
| Premises and equipment expense | $311,000 | 5,692 |
| Additional noninterest expense | $568,000 | 6,279 |
| Pre-tax net operating income | $153,000 | 6,997 |
| Securities gains (losses) | $86,000 | 647 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $239,000 | 6,654 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $239,000 | 6,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $206,000 | 750 |
| Net operating income | $153,000 | 6,925 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,647,000 | 5,134 |
| Total interest expense | $2,637,000 | 4,340 |
| Net interest income | $2,010,000 | 5,827 |
| Provision for loan and lease losses | $350,000 | 2,081 |
| Total noninterest income | $221,000 | 6,116 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $30,000 | 6,928 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $191,000 | 4,572 |
| Total noninterest expense | $1,456,000 | 6,287 |
| Salaries and employee benefits | $817,000 | 6,242 |
| Premises and equipment expense | $226,000 | 5,770 |
| Additional noninterest expense | $413,000 | 6,311 |
| Pre-tax net operating income | $425,000 | 6,063 |
| Securities gains (losses) | $-2,000 | 7,433 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $423,000 | 5,713 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $423,000 | 5,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $202,000 | 585 |
| Net operating income | $425,000 | 5,685 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,889,000 | 5,379 |
| Total interest expense | $1,624,000 | 4,548 |
| Net interest income | $1,265,000 | 6,017 |
| Provision for loan and lease losses | $177,000 | 2,377 |
| Total noninterest income | $184,000 | 5,736 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $19,000 | 7,003 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $165,000 | 4,150 |
| Total noninterest expense | $974,000 | 6,317 |
| Salaries and employee benefits | $559,000 | 6,228 |
| Premises and equipment expense | $150,000 | 5,809 |
| Additional noninterest expense | $265,000 | 6,441 |
| Pre-tax net operating income | $298,000 | 6,048 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $298,000 | 5,676 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $298,000 | 5,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $202,000 | 443 |
| Net operating income | $298,000 | 5,654 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,281,000 | 5,706 |
| Total interest expense | $747,000 | 4,791 |
| Net interest income | $534,000 | 6,477 |
| Provision for loan and lease losses | $37,000 | 3,537 |
| Total noninterest income | $77,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $7,000 | 7,153 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $70,000 | 4,459 |
| Total noninterest expense | $475,000 | 6,405 |
| Salaries and employee benefits | $273,000 | 6,325 |
| Premises and equipment expense | $75,000 | 5,852 |
| Additional noninterest expense | $127,000 | 6,553 |
| Pre-tax net operating income | $99,000 | 6,677 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $99,000 | 6,418 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $99,000 | 6,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $99,000 | 6,399 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,782,000 | 6,253 |
| Total interest expense | $1,788,000 | 5,710 |
| Net interest income | $1,994,000 | 6,560 |
| Provision for loan and lease losses | $213,000 | 3,413 |
| Total noninterest income | $144,000 | 7,355 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $11,000 | 7,402 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $133,000 | 5,850 |
| Total noninterest expense | $1,695,000 | 6,588 |
| Salaries and employee benefits | $942,000 | 6,549 |
| Premises and equipment expense | $253,000 | 6,189 |
| Additional noninterest expense | $500,000 | 6,539 |
| Pre-tax net operating income | $230,000 | 7,307 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $230,000 | 7,165 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $230,000 | 7,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 1,060 |
| Net operating income | $230,000 | 7,158 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 6,505 |
| Total interest expense | $1,120,000 | 6,070 |
| Net interest income | $1,434,000 | 6,732 |
| Provision for loan and lease losses | $156,000 | 3,343 |
| Total noninterest income | $99,000 | 7,525 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $6,000 | 7,517 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $93,000 | 5,976 |
| Total noninterest expense | $1,245,000 | 6,649 |
| Salaries and employee benefits | $676,000 | 6,658 |
| Premises and equipment expense | $192,000 | 6,184 |
| Additional noninterest expense | $377,000 | 6,532 |
| Pre-tax net operating income | $132,000 | 7,705 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $132,000 | 7,564 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $132,000 | 7,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 864 |
| Net operating income | $132,000 | 7,567 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,499,000 | 6,815 |
| Total interest expense | $582,000 | 6,550 |
| Net interest income | $917,000 | 6,865 |
| Provision for loan and lease losses | $125,000 | 2,925 |
| Total noninterest income | $69,000 | 7,525 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,000 | 7,650 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 5,845 |
| Total noninterest expense | $841,000 | 6,650 |
| Salaries and employee benefits | $439,000 | 6,751 |
| Premises and equipment expense | $143,000 | 5,891 |
| Additional noninterest expense | $259,000 | 6,479 |
| Pre-tax net operating income | $20,000 | 8,091 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $20,000 | 8,085 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $20,000 | 8,086 |
| 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 | $34,000 | 683 |
| Net operating income | $20,000 | 8,083 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $661,000 | 7,072 |
| Total interest expense | $247,000 | 6,802 |
| Net interest income | $414,000 | 7,133 |
| Provision for loan and lease losses | $92,000 | 2,109 |
| Total noninterest income | $20,000 | 8,055 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,000 | 7,643 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,791 |
| Total noninterest expense | $419,000 | 6,657 |
| Salaries and employee benefits | $231,000 | 6,638 |
| Premises and equipment expense | $68,000 | 6,040 |
| Additional noninterest expense | $120,000 | 6,632 |
| Pre-tax net operating income | $-77,000 | 8,410 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-77,000 | 8,430 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-77,000 | 8,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-77,000 | 8,414 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,166,000 | 8,207 |
| Total interest expense | $301,000 | 8,183 |
| Net interest income | $865,000 | 8,132 |
| Provision for loan and lease losses | $203,000 | 3,561 |
| Total noninterest income | $35,000 | 8,512 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,000 | 7,726 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $34,000 | 7,758 |
| Total noninterest expense | $1,333,000 | 7,169 |
| Salaries and employee benefits | $723,000 | 7,182 |
| Premises and equipment expense | $238,000 | 6,330 |
| Additional noninterest expense | $372,000 | 7,243 |
| Pre-tax net operating income | $-636,000 | 8,544 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-636,000 | 8,589 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-636,000 | 8,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-636,000 | 8,571 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $755,000 | 8,360 |
| Total interest expense | $155,000 | 8,445 |
| Net interest income | $600,000 | 8,260 |
| Provision for loan and lease losses | $158,000 | 3,402 |
| Total noninterest income | $2,000 | 8,774 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,000 | 7,763 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,692 |
| Total noninterest expense | $919,000 | 7,347 |
| Salaries and employee benefits | $492,000 | 7,397 |
| Premises and equipment expense | $165,000 | 6,489 |
| Additional noninterest expense | $262,000 | 7,373 |
| Pre-tax net operating income | $-475,000 | 8,586 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-475,000 | 8,629 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-475,000 | 8,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-475,000 | 8,602 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $341,000 | 8,594 |
| Total interest expense | $66,000 | 8,605 |
| Net interest income | $275,000 | 8,551 |
| Provision for loan and lease losses | $96,000 | 3,425 |
| Total noninterest income | $0 | 8,806 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $556,000 | 7,545 |
| Salaries and employee benefits | $291,000 | 7,665 |
| Premises and equipment expense | $100,000 | 6,702 |
| Additional noninterest expense | $165,000 | 7,458 |
| Pre-tax net operating income | $-377,000 | 8,632 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-377,000 | 8,675 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-377,000 | 8,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-377,000 | 8,647 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $123,000 | 8,775 |
| Total interest expense | $10,000 | 8,835 |
| Net interest income | $113,000 | 8,710 |
| Provision for loan and lease losses | $40,000 | 3,596 |
| Total noninterest income | $0 | 8,858 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $278,000 | 7,606 |
| Salaries and employee benefits | $136,000 | 7,817 |
| Premises and equipment expense | $49,000 | 6,814 |
| Additional noninterest expense | $93,000 | 7,297 |
| Pre-tax net operating income | $-205,000 | 8,729 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-205,000 | 8,752 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-205,000 | 8,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-205,000 | 8,735 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,000 | 8,968 |
| Total interest expense | $1,000 | 8,945 |
| Net interest income | $16,000 | 8,967 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $0 | 8,923 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $100,000 | 8,958 |
| Salaries and employee benefits | $41,000 | 8,949 |
| Premises and equipment expense | $21,000 | 8,860 |
| Additional noninterest expense | $38,000 | 8,947 |
| Pre-tax net operating income | $-84,000 | 8,480 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-84,000 | 8,521 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-84,000 | 8,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $9,627,000 | 117 |
| Net operating income | $-84,000 | 8,488 |
* 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.