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Beach Bank, Income and Expense

2006-09-30 (YTD Data)		Rank
Total interest income	$5,552,000	4,392
Total interest expense	$2,106,000	4,404
Net interest income	$3,446,000	4,298
Provision for loan and lease losses	$0	6,685
Total noninterest income	$189,000	6,571
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$141,000	5,167
Trading account gains and fees	$0	126
Additional Noninterest Income	$48,000	6,985
Total noninterest expense	$4,229,000	3,023
Salaries and employee benefits	$1,919,000	3,551
Premises and equipment expense	$740,000	2,503
Additional noninterest expense	$1,570,000	2,445
Pre-tax net operating income	$-594,000	8,481
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$-594,000	8,502
Extraordinary gains, net	$0	45
Net income	$-594,000	8,502
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	3,067
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$-594,000	8,493
2006-06-30 (YTD Data)		Rank
Total interest income	$3,696,000	4,342
Total interest expense	$1,326,000	4,423
Net interest income	$2,370,000	4,192
Provision for loan and lease losses	$0	6,419
Total noninterest income	$144,000	6,304
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$107,000	4,870
Trading account gains and fees	$0	126
Additional Noninterest Income	$37,000	6,841
Total noninterest expense	$3,081,000	2,821
Salaries and employee benefits	$1,385,000	3,349
Premises and equipment expense	$488,000	2,532
Additional noninterest expense	$1,208,000	2,156
Pre-tax net operating income	$-567,000	8,589
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$-567,000	8,608
Extraordinary gains, net	$0	39
Net income	$-567,000	8,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	7,881
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$-567,000	8,604
2006-03-31 (YTD Data)		Rank
Total interest income	$1,854,000	4,294
Total interest expense	$654,000	4,350
Net interest income	$1,200,000	4,157
Provision for loan and lease losses	$100,000	1,992
Total noninterest income	$74,000	6,226
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$53,000	4,817
Trading account gains and fees	$0	115
Additional Noninterest Income	$21,000	6,631
Total noninterest expense	$1,779,000	2,491
Salaries and employee benefits	$715,000	3,276
Premises and equipment expense	$240,000	2,556
Additional noninterest expense	$824,000	1,582
Pre-tax net operating income	$-605,000	8,715
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-605,000	8,725
Extraordinary gains, net	$0	21
Net income	$-605,000	8,724
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	6,875
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$-605,000	8,715
2005-12-31 (YTD Data)		Rank
Total interest income	$7,233,000	4,048
Total interest expense	$1,981,000	4,459
Net interest income	$5,252,000	3,819
Provision for loan and lease losses	$325,000	2,662
Total noninterest income	$315,000	6,233
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$252,000	4,559
Trading account gains and fees	$0	138
Additional Noninterest Income	$63,000	7,106
Total noninterest expense	$7,389,000	2,266
Salaries and employee benefits	$2,591,000	3,380
Premises and equipment expense	$1,074,000	2,226
Additional noninterest expense	$3,724,000	1,371
Pre-tax net operating income	$-2,147,000	8,765
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$-2,147,000	8,776
Extraordinary gains, net	$0	46
Net income	$-2,147,000	8,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	3,900
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$1,900,000	409
Net operating income	$-2,147,000	8,762
2005-09-30 (YTD Data)		Rank
Total interest income	$5,446,000	3,996
Total interest expense	$1,458,000	4,379
Net interest income	$3,988,000	3,771
Provision for loan and lease losses	$268,000	2,433
Total noninterest income	$259,000	6,077
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$206,000	4,394
Trading account gains and fees	$0	126
Additional Noninterest Income	$53,000	6,977
Total noninterest expense	$5,089,000	2,439
Salaries and employee benefits	$1,899,000	3,429
Premises and equipment expense	$800,000	2,228
Additional noninterest expense	$2,390,000	1,577
Pre-tax net operating income	$-1,110,000	8,738
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$-1,110,000	8,760
Extraordinary gains, net	$0	35
Net income	$-1,110,000	8,760
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	2,976
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$1,900,000	303
Net operating income	$-1,110,000	8,741
2005-06-30 (YTD Data)		Rank
Total interest income	$3,423,000	4,100
Total interest expense	$940,000	4,315
Net interest income	$2,483,000	3,943
Provision for loan and lease losses	$85,000	3,670
Total noninterest income	$193,000	5,813
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$152,000	4,120
Trading account gains and fees	$0	116
Additional Noninterest Income	$41,000	6,734
Total noninterest expense	$3,168,000	2,571
Salaries and employee benefits	$1,253,000	3,433
Premises and equipment expense	$538,000	2,204
Additional noninterest expense	$1,377,000	1,790
Pre-tax net operating income	$-577,000	8,695
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-577,000	8,726
Extraordinary gains, net	$0	30
Net income	$-577,000	8,726
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	2,400
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$1,600,000	213
Net operating income	$-577,000	8,702
2005-03-31 (YTD Data)		Rank
Total interest income	$1,717,000	4,065
Total interest expense	$473,000	4,184
Net interest income	$1,244,000	3,939
Provision for loan and lease losses	$25,000	4,374
Total noninterest income	$110,000	5,482
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$91,000	3,658
Trading account gains and fees	$0	115
Additional Noninterest Income	$19,000	6,923
Total noninterest expense	$1,340,000	3,006
Salaries and employee benefits	$622,000	3,464
Premises and equipment expense	$262,000	2,255
Additional noninterest expense	$456,000	2,658
Pre-tax net operating income	$-11,000	8,479
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-11,000	8,496
Extraordinary gains, net	$0	24
Net income	$-11,000	8,496
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	7,691
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$1,600,000	102
Net operating income	$-11,000	8,471
2004-12-31 (YTD Data)		Rank
Total interest income	$6,117,000	4,198
Total interest expense	$1,632,000	4,270
Net interest income	$4,485,000	4,130
Provision for loan and lease losses	$379,000	2,473
Total noninterest income	$1,498,000	2,687
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$1,109,000	1,582
Trading account gains and fees	$0	138
Additional Noninterest Income	$389,000	3,771
Total noninterest expense	$5,234,000	2,985
Salaries and employee benefits	$2,352,000	3,515
Premises and equipment expense	$804,000	2,778
Additional noninterest expense	$2,078,000	2,337
Pre-tax net operating income	$370,000	7,203
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$370,000	6,935
Extraordinary gains, net	$0	34
Net income	$370,000	6,937
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	5,720
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$620,000	448
Net operating income	$370,000	6,869
2004-09-30 (YTD Data)		Rank
Total interest income	$4,336,000	4,355
Total interest expense	$1,179,000	4,337
Net interest income	$3,157,000	4,319
Provision for loan and lease losses	$279,000	2,390
Total noninterest income	$1,247,000	2,510
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$941,000	1,417
Trading account gains and fees	$0	134
Additional Noninterest Income	$306,000	3,692
Total noninterest expense	$3,658,000	3,166
Salaries and employee benefits	$1,752,000	3,509
Premises and equipment expense	$576,000	2,896
Additional noninterest expense	$1,330,000	2,651
Pre-tax net operating income	$467,000	6,470
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$467,000	5,979
Extraordinary gains, net	$0	26
Net income	$467,000	5,979
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$120,000	506
Net operating income	$467,000	5,898
2004-06-30 (YTD Data)		Rank
Total interest income	$2,747,000	4,525
Total interest expense	$743,000	4,504
Net interest income	$2,004,000	4,471
Provision for loan and lease losses	$150,000	2,691
Total noninterest income	$726,000	2,768
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$550,000	1,588
Trading account gains and fees	$0	130
Additional Noninterest Income	$176,000	4,008
Total noninterest expense	$2,280,000	3,384
Salaries and employee benefits	$1,121,000	3,644
Premises and equipment expense	$367,000	3,008
Additional noninterest expense	$792,000	2,960
Pre-tax net operating income	$300,000	6,498
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$300,000	6,038
Extraordinary gains, net	$0	21
Net income	$300,000	6,039
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$121,000	391
Net operating income	$300,000	5,954
2004-03-31 (YTD Data)		Rank
Total interest income	$1,281,000	4,769
Total interest expense	$354,000	4,672
Net interest income	$927,000	4,721
Provision for loan and lease losses	$77,000	2,529
Total noninterest income	$370,000	2,681
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$291,000	1,478
Trading account gains and fees	$0	121
Additional Noninterest Income	$79,000	4,203
Total noninterest expense	$1,092,000	3,506
Salaries and employee benefits	$556,000	3,687
Premises and equipment expense	$163,000	3,352
Additional noninterest expense	$373,000	3,108
Pre-tax net operating income	$128,000	6,754
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$128,000	6,375
Extraordinary gains, net	$0	16
Net income	$128,000	6,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$128,000	6,262
2003-12-31 (YTD Data)		Rank
Total interest income	$3,907,000	5,727
Total interest expense	$1,227,000	5,492
Net interest income	$2,680,000	5,660
Provision for loan and lease losses	$242,000	3,602
Total noninterest income	$1,293,000	3,146
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,155,000	1,488
Trading account gains and fees	$0	160
Additional Noninterest Income	$138,000	5,969
Total noninterest expense	$3,458,000	4,159
Salaries and employee benefits	$1,715,000	4,410
Premises and equipment expense	$490,000	4,132
Additional noninterest expense	$1,253,000	3,606
Pre-tax net operating income	$273,000	7,538
Securities gains (losses)	$37,000	2,758
Applicable income taxes	$0	7,459
Income before extraordinary items	$310,000	7,240
Extraordinary gains, net	$0	54
Net income	$310,000	7,241
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,591
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$2,966,000	284
Net operating income	$273,000	7,270
2003-09-30 (YTD Data)		Rank
Total interest income	$2,737,000	5,987
Total interest expense	$900,000	5,715
Net interest income	$1,837,000	6,000
Provision for loan and lease losses	$186,000	3,459
Total noninterest income	$915,000	3,326
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$813,000	1,592
Trading account gains and fees	$0	153
Additional Noninterest Income	$102,000	6,046
Total noninterest expense	$2,387,000	4,411
Salaries and employee benefits	$1,170,000	4,712
Premises and equipment expense	$358,000	4,204
Additional noninterest expense	$859,000	3,858
Pre-tax net operating income	$179,000	7,827
Securities gains (losses)	$37,000	2,545
Applicable income taxes	$0	7,524
Income before extraordinary items	$216,000	7,488
Extraordinary gains, net	$0	40
Net income	$216,000	7,491
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	4,212
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$2,966,000	193
Net operating income	$179,000	7,580
2003-06-30 (YTD Data)		Rank
Total interest income	$1,716,000	6,210
Total interest expense	$595,000	5,869
Net interest income	$1,121,000	6,301
Provision for loan and lease losses	$115,000	3,633
Total noninterest income	$604,000	3,324
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$533,000	1,588
Trading account gains and fees	$0	150
Additional Noninterest Income	$71,000	5,964
Total noninterest expense	$1,553,000	4,471
Salaries and employee benefits	$764,000	4,782
Premises and equipment expense	$233,000	4,269
Additional noninterest expense	$556,000	3,923
Pre-tax net operating income	$57,000	8,327
Securities gains (losses)	$37,000	2,231
Applicable income taxes	$0	7,529
Income before extraordinary items	$94,000	8,013
Extraordinary gains, net	$0	30
Net income	$94,000	8,014
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	3,533
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$1,697,000	168
Net operating income	$57,000	8,230
2003-03-31 (YTD Data)		Rank
Total interest income	$840,000	6,303
Total interest expense	$295,000	5,981
Net interest income	$545,000	6,384
Provision for loan and lease losses	$67,000	3,113
Total noninterest income	$294,000	3,286
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$255,000	1,610
Trading account gains and fees	$0	134
Additional Noninterest Income	$39,000	5,739
Total noninterest expense	$753,000	4,559
Salaries and employee benefits	$366,000	4,935
Premises and equipment expense	$114,000	4,333
Additional noninterest expense	$273,000	3,941
Pre-tax net operating income	$19,000	8,466
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$19,000	8,497
Extraordinary gains, net	$0	21
Net income	$19,000	8,496
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,340
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$19,000	8,383
2002-12-31 (YTD Data)		Rank
Total interest income	$3,182,000	6,663
Total interest expense	$1,050,000	6,799
Net interest income	$2,132,000	6,428
Provision for loan and lease losses	$176,000	4,636
Total noninterest income	$594,000	4,760
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$505,000	2,951
Trading account gains and fees	$0	153
Additional Noninterest Income	$89,000	6,670
Total noninterest expense	$2,533,000	5,039
Salaries and employee benefits	$1,215,000	5,437
Premises and equipment expense	$453,000	4,248
Additional noninterest expense	$865,000	4,665
Pre-tax net operating income	$17,000	8,582
Securities gains (losses)	$17,000	3,266
Applicable income taxes	$0	7,681
Income before extraordinary items	$34,000	8,613
Extraordinary gains, net	$0	70
Net income	$34,000	8,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	4,297
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$17,000	8,593
2001-12-31 (YTD Data)		Rank
Total interest income	$2,160,000	8,061
Total interest expense	$1,098,000	7,817
Net interest income	$1,062,000	8,164
Provision for loan and lease losses	$216,000	3,954
Total noninterest income	$191,000	7,398
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$158,000	5,693
Trading account gains and fees	$0	177
Additional Noninterest Income	$33,000	8,253
Total noninterest expense	$1,941,000	5,853
Salaries and employee benefits	$833,000	6,643
Premises and equipment expense	$398,000	4,614
Additional noninterest expense	$710,000	5,234
Pre-tax net operating income	$-904,000	9,327
Securities gains (losses)	$19,000	3,188
Applicable income taxes	$0	7,903
Income before extraordinary items	$-885,000	9,389
Extraordinary gains, net	$0	105
Net income	$-885,000	9,390
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,291
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-904,000	9,361
2000-12-31 (YTD Data)		Rank
Total interest income	$819,000	9,524
Total interest expense	$211,000	9,644
Net interest income	$608,000	9,283
Provision for loan and lease losses	$37,000	6,967
Total noninterest income	$17,000	9,697
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$15,000	8,343
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	9,744
Total noninterest expense	$1,637,000	6,397
Salaries and employee benefits	$731,000	7,053
Premises and equipment expense	$195,000	6,852
Additional noninterest expense	$711,000	5,120
Pre-tax net operating income	$-1,049,000	9,732
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$-1,049,000	9,739
Extraordinary gains, net	$0	38
Net income	$-1,049,000	9,738
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	$7,605,000	108
Net operating income	$-1,049,000	9,744

* 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.