Home > Carolina Commerce Bank > Income and Expense
Carolina Commerce Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,839,000 | 5,128 |
| Total interest expense | $1,902,000 | 3,982 |
| Net interest income | $1,937,000 | 5,787 |
| Provision for loan and lease losses | $852,000 | 3,017 |
| Total noninterest income | $-399,000 | 7,996 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $28,000 | 6,729 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-427,000 | 7,946 |
| Total noninterest expense | $2,292,000 | 5,148 |
| Salaries and employee benefits | $1,038,000 | 5,461 |
| Premises and equipment expense | $250,000 | 5,471 |
| Additional noninterest expense | $1,004,000 | 4,368 |
| Pre-tax net operating income | $-1,606,000 | 6,909 |
| Securities gains (losses) | $-500,000 | 7,755 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-2,106,000 | 7,201 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,106,000 | 7,201 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,106,000 | 7,200 |
| Net charge-offs | $617,000 | 2,773 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,158 |
| Net operating income | $-1,606,000 | 7,023 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,622,000 | 5,106 |
| Total interest expense | $1,320,000 | 3,987 |
| Net interest income | $1,302,000 | 5,770 |
| Provision for loan and lease losses | $540,000 | 2,870 |
| Total noninterest income | $-84,000 | 8,032 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $20,000 | 6,708 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-104,000 | 7,968 |
| Total noninterest expense | $1,978,000 | 4,412 |
| Salaries and employee benefits | $735,000 | 5,345 |
| Premises and equipment expense | $177,000 | 5,380 |
| Additional noninterest expense | $1,066,000 | 3,136 |
| Pre-tax net operating income | $-1,300,000 | 7,160 |
| Securities gains (losses) | $-500,000 | 7,915 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-1,800,000 | 7,419 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,800,000 | 7,418 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,800,000 | 7,417 |
| Net charge-offs | $579,000 | 2,178 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,104 |
| Net operating income | $-1,300,000 | 7,267 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,341,000 | 5,061 |
| Total interest expense | $692,000 | 3,977 |
| Net interest income | $649,000 | 5,783 |
| Provision for loan and lease losses | $305,000 | 2,266 |
| Total noninterest income | $16,000 | 7,562 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $9,000 | 6,767 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $7,000 | 7,131 |
| Total noninterest expense | $794,000 | 4,976 |
| Salaries and employee benefits | $392,000 | 5,212 |
| Premises and equipment expense | $93,000 | 5,299 |
| Additional noninterest expense | $309,000 | 4,321 |
| Pre-tax net operating income | $-434,000 | 7,245 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-434,000 | 7,381 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-434,000 | 7,382 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-434,000 | 7,382 |
| Net charge-offs | $309,000 | 1,744 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 994 |
| Net operating income | $-434,000 | 7,346 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,545,000 | 5,163 |
| Total interest expense | $3,003,000 | 4,253 |
| Net interest income | $2,542,000 | 5,866 |
| Provision for loan and lease losses | $455,000 | 3,946 |
| Total noninterest income | $161,000 | 6,795 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $59,000 | 6,504 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $102,000 | 5,897 |
| Total noninterest expense | $3,235,000 | 4,878 |
| Salaries and employee benefits | $1,614,000 | 5,103 |
| Premises and equipment expense | $330,000 | 5,566 |
| Additional noninterest expense | $1,291,000 | 4,037 |
| Pre-tax net operating income | $-987,000 | 7,013 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-987,000 | 6,983 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-987,000 | 6,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $800,000 | 2,198 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,317 |
| Net operating income | $-987,000 | 7,107 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,120,000 | 5,266 |
| Total interest expense | $2,226,000 | 4,414 |
| Net interest income | $1,894,000 | 5,931 |
| Provision for loan and lease losses | $-313,000 | 8,365 |
| Total noninterest income | $136,000 | 6,727 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $43,000 | 6,579 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $93,000 | 5,748 |
| Total noninterest expense | $2,356,000 | 4,955 |
| Salaries and employee benefits | $1,188,000 | 5,199 |
| Premises and equipment expense | $248,000 | 5,592 |
| Additional noninterest expense | $920,000 | 4,144 |
| Pre-tax net operating income | $-13,000 | 6,773 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-13,000 | 6,628 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-13,000 | 6,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-137,000 | 8,303 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,184 |
| Net operating income | $-13,000 | 6,801 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,771,000 | 5,314 |
| Total interest expense | $1,533,000 | 4,453 |
| Net interest income | $1,238,000 | 5,986 |
| Provision for loan and lease losses | $-331,000 | 8,438 |
| Total noninterest income | $110,000 | 6,520 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $27,000 | 6,653 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $83,000 | 5,358 |
| Total noninterest expense | $1,552,000 | 5,017 |
| Salaries and employee benefits | $812,000 | 5,161 |
| Premises and equipment expense | $162,000 | 5,682 |
| Additional noninterest expense | $578,000 | 4,297 |
| Pre-tax net operating income | $127,000 | 6,256 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $127,000 | 6,149 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $127,000 | 6,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-287,000 | 8,421 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,041 |
| Net operating income | $127,000 | 6,082 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,451,000 | 5,278 |
| Total interest expense | $810,000 | 4,476 |
| Net interest income | $641,000 | 5,925 |
| Provision for loan and lease losses | $76,000 | 3,113 |
| Total noninterest income | $56,000 | 6,473 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $15,000 | 6,545 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $41,000 | 5,402 |
| Total noninterest expense | $794,000 | 4,951 |
| Salaries and employee benefits | $409,000 | 5,166 |
| Premises and equipment expense | $73,000 | 5,950 |
| Additional noninterest expense | $312,000 | 4,002 |
| Pre-tax net operating income | $-173,000 | 7,709 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-173,000 | 7,796 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-173,000 | 7,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,596 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 922 |
| Net operating income | $-173,000 | 7,760 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,667,000 | 4,480 |
| Total interest expense | $4,070,000 | 3,972 |
| Net interest income | $3,597,000 | 4,952 |
| Provision for loan and lease losses | $413,000 | 2,650 |
| Total noninterest income | $277,000 | 6,190 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $62,000 | 6,569 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $215,000 | 4,918 |
| Total noninterest expense | $3,047,000 | 4,962 |
| Salaries and employee benefits | $1,475,000 | 5,356 |
| Premises and equipment expense | $323,000 | 5,604 |
| Additional noninterest expense | $1,249,000 | 3,960 |
| Pre-tax net operating income | $414,000 | 6,235 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $414,000 | 5,992 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $414,000 | 5,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,708 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $181,000 | 781 |
| Net operating income | $414,000 | 5,989 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,874,000 | 4,436 |
| Total interest expense | $3,163,000 | 3,887 |
| Net interest income | $2,711,000 | 4,958 |
| Provision for loan and lease losses | $328,000 | 2,184 |
| Total noninterest income | $228,000 | 6,060 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $46,000 | 6,605 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $182,000 | 4,678 |
| Total noninterest expense | $2,031,000 | 5,311 |
| Salaries and employee benefits | $963,000 | 5,757 |
| Premises and equipment expense | $149,000 | 6,738 |
| Additional noninterest expense | $919,000 | 3,953 |
| Pre-tax net operating income | $580,000 | 5,502 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $580,000 | 5,068 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $580,000 | 5,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,091 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,090 |
| Net operating income | $580,000 | 5,063 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,808,000 | 4,541 |
| Total interest expense | $2,121,000 | 3,882 |
| Net interest income | $1,687,000 | 5,200 |
| Provision for loan and lease losses | $252,000 | 1,778 |
| Total noninterest income | $172,000 | 5,877 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $30,000 | 6,661 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $142,000 | 4,425 |
| Total noninterest expense | $1,240,000 | 5,625 |
| Salaries and employee benefits | $590,000 | 6,070 |
| Premises and equipment expense | $100,000 | 6,767 |
| Additional noninterest expense | $550,000 | 4,280 |
| Pre-tax net operating income | $367,000 | 5,678 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $367,000 | 5,254 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $367,000 | 5,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,997 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 989 |
| Net operating income | $367,000 | 5,242 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,896,000 | 4,551 |
| Total interest expense | $1,057,000 | 3,862 |
| Net interest income | $839,000 | 5,227 |
| Provision for loan and lease losses | $79,000 | 2,365 |
| Total noninterest income | $91,000 | 5,737 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $19,000 | 6,411 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $72,000 | 4,403 |
| Total noninterest expense | $666,000 | 5,419 |
| Salaries and employee benefits | $271,000 | 6,345 |
| Premises and equipment expense | $53,000 | 6,692 |
| Additional noninterest expense | $342,000 | 3,600 |
| Pre-tax net operating income | $185,000 | 5,650 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $185,000 | 5,236 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $185,000 | 5,236 |
| 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 | $8,000 | 788 |
| Net operating income | $185,000 | 5,219 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,322,000 | 5,378 |
| Total interest expense | $2,875,000 | 4,423 |
| Net interest income | $2,447,000 | 6,092 |
| Provision for loan and lease losses | $1,003,000 | 1,039 |
| Total noninterest income | $299,000 | 6,189 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $64,000 | 6,666 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $235,000 | 4,800 |
| Total noninterest expense | $2,107,000 | 6,011 |
| Salaries and employee benefits | $1,038,000 | 6,314 |
| Premises and equipment expense | $345,000 | 5,369 |
| Additional noninterest expense | $724,000 | 5,549 |
| Pre-tax net operating income | $-364,000 | 8,205 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-364,000 | 8,233 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-364,000 | 8,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $413,000 | 1,340 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $4,729,000 | 323 |
| Net operating income | $-364,000 | 8,229 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,603,000 | 5,669 |
| Total interest expense | $1,910,000 | 4,687 |
| Net interest income | $1,693,000 | 6,329 |
| Provision for loan and lease losses | $403,000 | 1,689 |
| Total noninterest income | $199,000 | 6,473 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $45,000 | 6,821 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $154,000 | 5,074 |
| Total noninterest expense | $1,535,000 | 6,085 |
| Salaries and employee benefits | $772,000 | 6,331 |
| Premises and equipment expense | $257,000 | 5,393 |
| Additional noninterest expense | $506,000 | 5,734 |
| Pre-tax net operating income | $-46,000 | 8,171 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-46,000 | 8,192 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-46,000 | 8,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,228 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $4,729,000 | 246 |
| Net operating income | $-46,000 | 8,181 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,177,000 | 5,918 |
| Total interest expense | $1,107,000 | 4,957 |
| Net interest income | $1,070,000 | 6,497 |
| Provision for loan and lease losses | $215,000 | 1,989 |
| Total noninterest income | $114,000 | 6,753 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $30,000 | 6,853 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $84,000 | 5,489 |
| Total noninterest expense | $994,000 | 6,192 |
| Salaries and employee benefits | $472,000 | 6,572 |
| Premises and equipment expense | $109,000 | 6,577 |
| Additional noninterest expense | $413,000 | 5,093 |
| Pre-tax net operating income | $-25,000 | 8,240 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-25,000 | 8,248 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-25,000 | 8,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,270 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-25,000 | 8,238 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $964,000 | 6,182 |
| Total interest expense | $464,000 | 5,324 |
| Net interest income | $500,000 | 6,683 |
| Provision for loan and lease losses | $132,000 | 1,626 |
| Total noninterest income | $38,000 | 7,377 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $18,000 | 6,650 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $440,000 | 6,538 |
| Salaries and employee benefits | $215,000 | 6,812 |
| Premises and equipment expense | $70,000 | 5,955 |
| Additional noninterest expense | $155,000 | 5,960 |
| Pre-tax net operating income | $-34,000 | 8,341 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-34,000 | 8,352 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-34,000 | 8,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,413 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-34,000 | 8,337 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,165,000 | 7,298 |
| Total interest expense | $839,000 | 6,674 |
| Net interest income | $1,326,000 | 7,529 |
| Provision for loan and lease losses | $1,137,000 | 929 |
| Total noninterest income | $139,000 | 7,586 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $35,000 | 7,303 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $104,000 | 6,346 |
| Total noninterest expense | $1,774,000 | 6,429 |
| Salaries and employee benefits | $1,013,000 | 6,321 |
| Premises and equipment expense | $245,000 | 6,267 |
| Additional noninterest expense | $516,000 | 6,483 |
| Pre-tax net operating income | $-1,446,000 | 8,715 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-1,446,000 | 8,734 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,446,000 | 8,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $693,000 | 899 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-1,446,000 | 8,717 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,414,000 | 7,582 |
| Total interest expense | $510,000 | 7,041 |
| Net interest income | $904,000 | 7,723 |
| Provision for loan and lease losses | $313,000 | 2,131 |
| Total noninterest income | $118,000 | 7,458 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $25,000 | 7,364 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $93,000 | 6,056 |
| Total noninterest expense | $1,293,000 | 6,525 |
| Salaries and employee benefits | $759,000 | 6,316 |
| Premises and equipment expense | $181,000 | 6,273 |
| Additional noninterest expense | $353,000 | 6,716 |
| Pre-tax net operating income | $-584,000 | 8,626 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-584,000 | 8,668 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-584,000 | 8,669 |
| 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 | $-584,000 | 8,644 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $752,000 | 7,912 |
| Total interest expense | $249,000 | 7,532 |
| Net interest income | $503,000 | 7,985 |
| Provision for loan and lease losses | $242,000 | 1,825 |
| Total noninterest income | $66,000 | 7,670 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $12,000 | 7,482 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $54,000 | 6,283 |
| Total noninterest expense | $854,000 | 6,554 |
| Salaries and employee benefits | $516,000 | 6,242 |
| Premises and equipment expense | $130,000 | 6,100 |
| Additional noninterest expense | $208,000 | 6,992 |
| Pre-tax net operating income | $-527,000 | 8,681 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-527,000 | 8,716 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-527,000 | 8,716 |
| 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 | $-527,000 | 8,692 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $286,000 | 8,325 |
| Total interest expense | $91,000 | 7,948 |
| Net interest income | $195,000 | 8,379 |
| Provision for loan and lease losses | $116,000 | 1,844 |
| Total noninterest income | $20,000 | 8,219 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $4,000 | 7,641 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,179 |
| Total noninterest expense | $399,000 | 6,775 |
| Salaries and employee benefits | $175,000 | 7,311 |
| Premises and equipment expense | $64,000 | 6,186 |
| Additional noninterest expense | $160,000 | 5,793 |
| Pre-tax net operating income | $-300,000 | 8,786 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-300,000 | 8,806 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-300,000 | 8,806 |
| 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 | $-300,000 | 8,789 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $254,000 | 8,870 |
| Total interest expense | $52,000 | 8,833 |
| Net interest income | $202,000 | 8,865 |
| Provision for loan and lease losses | $187,000 | 3,819 |
| Total noninterest income | $34,000 | 8,685 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,000 | 7,861 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $32,000 | 7,915 |
| Total noninterest expense | $1,724,000 | 6,498 |
| Salaries and employee benefits | $673,000 | 7,384 |
| Premises and equipment expense | $128,000 | 7,609 |
| Additional noninterest expense | $923,000 | 4,612 |
| Pre-tax net operating income | $-1,675,000 | 8,881 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-1,675,000 | 8,901 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,675,000 | 8,902 |
| 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 | $8,986,000 | 128 |
| Net operating income | $-1,675,000 | 8,882 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $80,000 | 8,970 |
| Total interest expense | $13,000 | 8,936 |
| Net interest income | $67,000 | 8,968 |
| Provision for loan and lease losses | $87,000 | 4,638 |
| Total noninterest income | $28,000 | 8,718 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,000 | 7,910 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 7,817 |
| Total noninterest expense | $1,260,000 | 6,528 |
| Salaries and employee benefits | $464,000 | 7,540 |
| Premises and equipment expense | $65,000 | 8,129 |
| Additional noninterest expense | $731,000 | 4,372 |
| Pre-tax net operating income | $-1,252,000 | 8,932 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-1,252,000 | 8,950 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-1,252,000 | 8,951 |
| 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 | $8,986,000 | 98 |
| Net operating income | $-1,252,000 | 8,935 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $0 | 9,078 |
| Total interest expense | $0 | 9,056 |
| Net interest income | $0 | 9,070 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $2,000 | 9,001 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $701,000 | 7,086 |
| Salaries and employee benefits | $226,000 | 8,172 |
| Premises and equipment expense | $19,000 | 8,805 |
| Additional noninterest expense | $456,000 | 4,639 |
| Pre-tax net operating income | $-699,000 | 8,960 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-699,000 | 8,977 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-699,000 | 8,978 |
| 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 | $8,783,000 | 67 |
| Net operating income | $-699,000 | 8,959 |
* 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.