Home > AmericanFirst Bank > Income and Expense

AmericanFirst Bank, Income and Expense

2010-03-31 (YTD Data)		Rank
Total interest income	$758,000	6,236
Total interest expense	$522,000	3,814
Net interest income	$236,000	7,457
Provision for loan and lease losses	$0	6,552
Total noninterest income	$16,000	7,253
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$16,000	6,154
Trading account gains and fees	$0	175
Additional Noninterest Income	$0	7,418
Total noninterest expense	$936,000	4,475
Salaries and employee benefits	$376,000	5,158
Premises and equipment expense	$170,000	3,538
Additional noninterest expense	$390,000	3,851
Pre-tax net operating income	$-684,000	7,284
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-684,000	7,361
Extraordinary gains, net	$0	16
Net income	$-684,000	7,361
Minority interest net income	$0	91
Net income of bank and minority interests.	$-684,000	7,362
Net charge-offs	$2,089,000	626
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-684,000	7,338
2009-12-31 (YTD Data)		Rank
Total interest income	$4,001,000	5,719
Total interest expense	$2,376,000	4,034
Net interest income	$1,625,000	6,744
Provision for loan and lease losses	$5,725,000	1,287
Total noninterest income	$81,000	7,142
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$62,000	6,303
Trading account gains and fees	$0	211
Additional Noninterest Income	$19,000	6,977
Total noninterest expense	$3,281,000	4,917
Salaries and employee benefits	$1,522,000	5,147
Premises and equipment expense	$768,000	3,237
Additional noninterest expense	$991,000	5,259
Pre-tax net operating income	$-7,300,000	7,368
Securities gains (losses)	$101,000	2,132
Applicable income taxes	$1,780,000	621
Income before extraordinary items	$-8,979,000	7,516
Extraordinary gains, net	$0	34
Net income	$-8,979,000	7,515
Minority interest net income	$0	115
Net income of bank and minority interests.	$-8,979,000	7,515
Net charge-offs	$1,049,000	2,805
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$25,000	1,180
Net operating income	$-9,080,000	7,528
2009-09-30 (YTD Data)		Rank
Total interest income	$2,960,000	5,807
Total interest expense	$1,783,000	4,151
Net interest income	$1,177,000	6,855
Provision for loan and lease losses	$825,000	3,064
Total noninterest income	$65,000	7,229
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$46,000	6,365
Trading account gains and fees	$0	212
Additional Noninterest Income	$19,000	7,013
Total noninterest expense	$2,441,000	4,949
Salaries and employee benefits	$1,156,000	5,153
Premises and equipment expense	$580,000	3,250
Additional noninterest expense	$705,000	5,392
Pre-tax net operating income	$-2,024,000	7,049
Securities gains (losses)	$0	3,497
Applicable income taxes	$-761,000	7,476
Income before extraordinary items	$-1,263,000	6,889
Extraordinary gains, net	$0	27
Net income	$-1,263,000	6,891
Minority interest net income	$0	118
Net income of bank and minority interests.	$-1,263,000	6,891
Net charge-offs	$559,000	2,889
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$19,000	1,098
Net operating income	$-1,263,000	6,868
2009-06-30 (YTD Data)		Rank
Total interest income	$2,029,000	5,797
Total interest expense	$1,189,000	4,273
Net interest income	$840,000	6,754
Provision for loan and lease losses	$775,000	2,368
Total noninterest income	$49,000	7,176
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$30,000	6,417
Trading account gains and fees	$0	193
Additional Noninterest Income	$19,000	6,847
Total noninterest expense	$1,554,000	5,141
Salaries and employee benefits	$763,000	5,247
Premises and equipment expense	$385,000	3,286
Additional noninterest expense	$406,000	5,789
Pre-tax net operating income	$-1,440,000	7,212
Securities gains (losses)	$0	3,136
Applicable income taxes	$-541,000	7,605
Income before extraordinary items	$-899,000	7,095
Extraordinary gains, net	$0	21
Net income	$-899,000	7,095
Minority interest net income	$0	112
Net income of bank and minority interests.	$-899,000	7,095
Net charge-offs	$557,000	2,232
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$7,000	1,123
Net operating income	$-899,000	7,076
2009-03-31 (YTD Data)		Rank
Total interest income	$1,058,000	5,730
Total interest expense	$658,000	4,112
Net interest income	$400,000	6,868
Provision for loan and lease losses	$225,000	2,683
Total noninterest income	$15,000	7,594
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$14,000	6,456
Trading account gains and fees	$0	171
Additional Noninterest Income	$1,000	7,715
Total noninterest expense	$743,000	5,211
Salaries and employee benefits	$383,000	5,282
Premises and equipment expense	$194,000	3,303
Additional noninterest expense	$166,000	6,063
Pre-tax net operating income	$-553,000	7,378
Securities gains (losses)	$0	2,434
Applicable income taxes	$-208,000	7,720
Income before extraordinary items	$-345,000	7,270
Extraordinary gains, net	$0	15
Net income	$-345,000	7,271
Minority interest net income	$0	102
Net income of bank and minority interests.	$-345,000	7,271
Net charge-offs	$308,000	1,746
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$7,000	938
Net operating income	$-345,000	7,227
2008-12-31 (YTD Data)		Rank
Total interest income	$4,260,000	5,865
Total interest expense	$2,755,000	4,494
Net interest income	$1,505,000	7,002
Provision for loan and lease losses	$712,000	3,220
Total noninterest income	$50,000	7,742
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$50,000	6,627
Trading account gains and fees	$0	154
Additional Noninterest Income	$0	7,939
Total noninterest expense	$2,830,000	5,304
Salaries and employee benefits	$1,383,000	5,573
Premises and equipment expense	$808,000	3,155
Additional noninterest expense	$639,000	6,070
Pre-tax net operating income	$-1,987,000	7,353
Securities gains (losses)	$2,000	2,962
Applicable income taxes	$-736,000	7,614
Income before extraordinary items	$-1,249,000	7,113
Extraordinary gains, net	$0	39
Net income	$-1,249,000	7,115
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,039
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$37,000	1,180
Net operating income	$-1,250,280	7,225
2008-09-30 (YTD Data)		Rank
Total interest income	$3,046,000	6,047
Total interest expense	$2,082,000	4,580
Net interest income	$964,000	7,322
Provision for loan and lease losses	$262,000	3,776
Total noninterest income	$36,000	7,884
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$36,000	6,725
Trading account gains and fees	$0	148
Additional Noninterest Income	$0	8,105
Total noninterest expense	$2,079,000	5,344
Salaries and employee benefits	$1,040,000	5,571
Premises and equipment expense	$586,000	3,256
Additional noninterest expense	$453,000	6,165
Pre-tax net operating income	$-1,341,000	7,679
Securities gains (losses)	$2,000	2,845
Applicable income taxes	$-484,000	7,876
Income before extraordinary items	$-855,000	7,432
Extraordinary gains, net	$0	31
Net income	$-855,000	7,430
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,534
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$24,000	1,058
Net operating income	$-856,280	7,552
2008-06-30 (YTD Data)		Rank
Total interest income	$1,995,000	6,147
Total interest expense	$1,409,000	4,684
Net interest income	$586,000	7,497
Provision for loan and lease losses	$102,000	4,222
Total noninterest income	$20,000	8,023
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$20,000	6,861
Trading account gains and fees	$0	149
Additional Noninterest Income	$0	8,191
Total noninterest expense	$1,376,000	5,399
Salaries and employee benefits	$705,000	5,578
Premises and equipment expense	$375,000	3,386
Additional noninterest expense	$296,000	6,221
Pre-tax net operating income	$-872,000	7,839
Securities gains (losses)	$2,000	2,957
Applicable income taxes	$-315,000	8,080
Income before extraordinary items	$-555,000	7,731
Extraordinary gains, net	$0	21
Net income	$-555,000	7,730
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,998
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$16,000	981
Net operating income	$-556,280	7,716
2008-03-31 (YTD Data)		Rank
Total interest income	$1,014,000	6,189
Total interest expense	$662,000	5,025
Net interest income	$352,000	7,239
Provision for loan and lease losses	$102,000	2,683
Total noninterest income	$9,000	8,079
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$9,000	6,931
Trading account gains and fees	$0	158
Additional Noninterest Income	$0	8,220
Total noninterest expense	$626,000	5,692
Salaries and employee benefits	$320,000	5,908
Premises and equipment expense	$164,000	3,723
Additional noninterest expense	$142,000	6,321
Pre-tax net operating income	$-367,000	7,973
Securities gains (losses)	$2,000	2,447
Applicable income taxes	$-133,000	8,192
Income before extraordinary items	$-232,000	7,890
Extraordinary gains, net	$0	15
Net income	$-232,000	7,889
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$8,000	853
Net operating income	$-233,280	7,859
2007-12-31 (YTD Data)		Rank
Total interest income	$3,482,000	6,529
Total interest expense	$1,896,000	5,939
Net interest income	$1,586,000	7,022
Provision for loan and lease losses	$105,000	4,838
Total noninterest income	$27,000	8,190
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$27,000	7,064
Trading account gains and fees	$0	178
Additional Noninterest Income	$0	8,329
Total noninterest expense	$2,371,000	5,761
Salaries and employee benefits	$1,199,000	5,987
Premises and equipment expense	$589,000	3,890
Additional noninterest expense	$583,000	6,202
Pre-tax net operating income	$-863,000	7,994
Securities gains (losses)	$0	2,146
Applicable income taxes	$-313,000	8,218
Income before extraordinary items	$-550,000	7,907
Extraordinary gains, net	$0	39
Net income	$-550,000	7,905
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	$58,000	1,038
Net operating income	$-550,000	7,901
2007-09-30 (YTD Data)		Rank
Total interest income	$2,549,000	6,614
Total interest expense	$1,353,000	6,085
Net interest income	$1,196,000	7,051
Provision for loan and lease losses	$51,000	5,015
Total noninterest income	$18,000	8,273
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$18,000	7,136
Trading account gains and fees	$0	184
Additional Noninterest Income	$0	8,377
Total noninterest expense	$1,782,000	5,730
Salaries and employee benefits	$903,000	5,956
Premises and equipment expense	$424,000	3,991
Additional noninterest expense	$455,000	6,069
Pre-tax net operating income	$-619,000	8,141
Securities gains (losses)	$0	1,655
Applicable income taxes	$-222,000	8,335
Income before extraordinary items	$-397,000	8,072
Extraordinary gains, net	$0	33
Net income	$-397,000	8,068
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	$51,000	887
Net operating income	$-397,000	8,056
2007-06-30 (YTD Data)		Rank
Total interest income	$1,544,000	6,855
Total interest expense	$760,000	6,463
Net interest income	$784,000	7,127
Provision for loan and lease losses	$31,000	4,859
Total noninterest income	$9,000	8,377
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$9,000	7,247
Trading account gains and fees	$0	168
Additional Noninterest Income	$0	8,426
Total noninterest expense	$1,161,000	5,826
Salaries and employee benefits	$602,000	6,001
Premises and equipment expense	$264,000	4,215
Additional noninterest expense	$295,000	6,163
Pre-tax net operating income	$-399,000	8,225
Securities gains (losses)	$0	1,444
Applicable income taxes	$-141,000	8,426
Income before extraordinary items	$-258,000	8,165
Extraordinary gains, net	$0	29
Net income	$-258,000	8,164
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	$43,000	772
Net operating income	$-258,000	8,153
2007-03-31 (YTD Data)		Rank
Total interest income	$666,000	7,181
Total interest expense	$292,000	6,967
Net interest income	$374,000	7,266
Provision for loan and lease losses	$0	5,779
Total noninterest income	$4,000	8,418
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$4,000	7,300
Trading account gains and fees	$0	195
Additional Noninterest Income	$0	8,433
Total noninterest expense	$519,000	6,185
Salaries and employee benefits	$269,000	6,362
Premises and equipment expense	$115,000	4,635
Additional noninterest expense	$135,000	6,400
Pre-tax net operating income	$-141,000	8,218
Securities gains (losses)	$0	1,187
Applicable income taxes	$-52,000	8,422
Income before extraordinary items	$-89,000	8,158
Extraordinary gains, net	$0	22
Net income	$-89,000	8,157
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	$-89,000	8,148
2006-12-31 (YTD Data)		Rank
Total interest income	$2,130,000	7,433
Total interest expense	$852,000	7,224
Net interest income	$1,278,000	7,473
Provision for loan and lease losses	$126,000	4,307
Total noninterest income	$59,000	8,141
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$21,000	7,260
Trading account gains and fees	$0	130
Additional Noninterest Income	$38,000	7,516
Total noninterest expense	$1,479,000	6,936
Salaries and employee benefits	$843,000	6,834
Premises and equipment expense	$218,000	6,539
Additional noninterest expense	$418,000	6,979
Pre-tax net operating income	$-268,000	8,153
Securities gains (losses)	$0	1,687
Applicable income taxes	$-101,000	8,374
Income before extraordinary items	$-167,000	8,124
Extraordinary gains, net	$0	51
Net income	$-167,000	8,126
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	$3,263,000	355
Net operating income	$-167,000	8,114
2006-09-30 (YTD Data)		Rank
Total interest income	$1,480,000	7,611
Total interest expense	$581,000	7,367
Net interest income	$899,000	7,649
Provision for loan and lease losses	$126,000	3,745
Total noninterest income	$51,000	8,145
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$13,000	7,381
Trading account gains and fees	$0	126
Additional Noninterest Income	$38,000	7,269
Total noninterest expense	$1,072,000	7,020
Salaries and employee benefits	$615,000	6,884
Premises and equipment expense	$159,000	6,622
Additional noninterest expense	$298,000	7,094
Pre-tax net operating income	$-248,000	8,327
Securities gains (losses)	$0	1,388
Applicable income taxes	$-93,000	8,555
Income before extraordinary items	$-155,000	8,293
Extraordinary gains, net	$0	45
Net income	$-155,000	8,294
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	$1,711,000	331
Net operating income	$-155,000	8,284
2006-06-30 (YTD Data)		Rank
Total interest income	$909,000	7,762
Total interest expense	$353,000	7,475
Net interest income	$556,000	7,810
Provision for loan and lease losses	$1,000	6,387
Total noninterest income	$53,000	7,801
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$10,000	7,398
Trading account gains and fees	$0	126
Additional Noninterest Income	$43,000	6,593
Total noninterest expense	$689,000	7,133
Salaries and employee benefits	$411,000	6,917
Premises and equipment expense	$98,000	6,810
Additional noninterest expense	$180,000	7,300
Pre-tax net operating income	$-81,000	8,322
Securities gains (losses)	$0	1,185
Applicable income taxes	$-30,000	8,547
Income before extraordinary items	$-51,000	8,286
Extraordinary gains, net	$0	39
Net income	$-51,000	8,287
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	$1,372,000	241
Net operating income	$-51,000	8,284
2006-03-31 (YTD Data)		Rank
Total interest income	$409,000	7,901
Total interest expense	$142,000	7,747
Net interest income	$267,000	7,887
Provision for loan and lease losses	$0	6,013
Total noninterest income	$31,000	7,631
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$4,000	7,476
Trading account gains and fees	$0	115
Additional Noninterest Income	$27,000	6,246
Total noninterest expense	$346,000	7,129
Salaries and employee benefits	$213,000	6,833
Premises and equipment expense	$46,000	6,927
Additional noninterest expense	$87,000	7,359
Pre-tax net operating income	$-48,000	8,375
Securities gains (losses)	$0	955
Applicable income taxes	$-18,000	8,568
Income before extraordinary items	$-30,000	8,335
Extraordinary gains, net	$0	21
Net income	$-30,000	8,334
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	$585,000	173
Net operating income	$-30,000	8,321
2005-12-31 (YTD Data)		Rank
Total interest income	$794,000	8,486
Total interest expense	$293,000	8,204
Net interest income	$501,000	8,532
Provision for loan and lease losses	$157,000	4,048
Total noninterest income	$130,000	7,666
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$5,000	7,664
Trading account gains and fees	$0	138
Additional Noninterest Income	$125,000	6,044
Total noninterest expense	$1,352,000	7,138
Salaries and employee benefits	$813,000	6,887
Premises and equipment expense	$189,000	6,834
Additional noninterest expense	$350,000	7,349
Pre-tax net operating income	$-878,000	8,612
Securities gains (losses)	$0	2,296
Applicable income taxes	$-328,000	8,728
Income before extraordinary items	$-550,000	8,561
Extraordinary gains, net	$0	46
Net income	$-550,000	8,561
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	$-550,000	8,543
2005-09-30 (YTD Data)		Rank
Total interest income	$464,000	8,626
Total interest expense	$156,000	8,441
Net interest income	$308,000	8,650
Provision for loan and lease losses	$0	6,899
Total noninterest income	$111,000	7,538
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$3,000	7,723
Trading account gains and fees	$0	126
Additional Noninterest Income	$108,000	5,816
Total noninterest expense	$1,022,000	7,118
Salaries and employee benefits	$622,000	6,831
Premises and equipment expense	$140,000	6,866
Additional noninterest expense	$260,000	7,382
Pre-tax net operating income	$-603,000	8,633
Securities gains (losses)	$0	2,317
Applicable income taxes	$-225,000	8,766
Income before extraordinary items	$-378,000	8,602
Extraordinary gains, net	$0	35
Net income	$-378,000	8,602
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	$-378,000	8,573
2005-06-30 (YTD Data)		Rank
Total interest income	$228,000	8,724
Total interest expense	$63,000	8,627
Net interest income	$165,000	8,733
Provision for loan and lease losses	$0	6,626
Total noninterest income	$70,000	7,611
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$2,000	7,732
Trading account gains and fees	$0	116
Additional Noninterest Income	$68,000	5,929
Total noninterest expense	$666,000	7,177
Salaries and employee benefits	$411,000	6,843
Premises and equipment expense	$93,000	6,847
Additional noninterest expense	$162,000	7,483
Pre-tax net operating income	$-431,000	8,652
Securities gains (losses)	$0	2,146
Applicable income taxes	$-162,000	8,779
Income before extraordinary items	$-269,000	8,622
Extraordinary gains, net	$0	30
Net income	$-269,000	8,622
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	$-269,000	8,598
2005-03-31 (YTD Data)		Rank
Total interest income	$78,000	8,858
Total interest expense	$16,000	8,804
Net interest income	$62,000	8,847
Provision for loan and lease losses	$0	6,226
Total noninterest income	$30,000	7,797
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$1,000	7,789
Trading account gains and fees	$0	115
Additional Noninterest Income	$29,000	6,226
Total noninterest expense	$337,000	7,192
Salaries and employee benefits	$211,000	6,845
Premises and equipment expense	$46,000	6,938
Additional noninterest expense	$80,000	7,570
Pre-tax net operating income	$-245,000	8,754
Securities gains (losses)	$0	1,685
Applicable income taxes	$-92,000	8,834
Income before extraordinary items	$-153,000	8,713
Extraordinary gains, net	$0	24
Net income	$-153,000	8,713
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	$-153,000	8,693
2004-12-31 (YTD Data)		Rank
Total interest income	$19,000	8,966
Total interest expense	$0	8,956
Net interest income	$19,000	8,962
Provision for loan and lease losses	$125,000	4,546
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	$143,000	8,950
Salaries and employee benefits	$71,000	8,939
Premises and equipment expense	$15,000	8,899
Additional noninterest expense	$57,000	8,922
Pre-tax net operating income	$-249,000	8,556
Securities gains (losses)	$0	3,819
Applicable income taxes	$-94,000	8,725
Income before extraordinary items	$-155,000	8,554
Extraordinary gains, net	$0	34
Net income	$-155,000	8,555
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	$8,609,000	135
Net operating income	$-155,000	8,525

* 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.