Home > Community Bank of Arizona > Income and Expense
Community Bank of Arizona, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,344,000 | 5,428 |
| Total interest expense | $1,894,000 | 3,096 |
| Net interest income | $450,000 | 7,652 |
| Provision for loan and lease losses | $3,963,000 | 898 |
| Total noninterest income | $-57,000 | 8,021 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $35,000 | 6,236 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-92,000 | 7,954 |
| Total noninterest expense | $3,121,000 | 3,121 |
| Salaries and employee benefits | $1,045,000 | 4,301 |
| Premises and equipment expense | $324,000 | 3,713 |
| Additional noninterest expense | $1,752,000 | 2,031 |
| Pre-tax net operating income | $-6,691,000 | 7,825 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-6,691,000 | 7,867 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,691,000 | 7,866 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-6,691,000 | 7,866 |
| Net charge-offs | $4,596,000 | 615 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 699 |
| Net operating income | $-6,691,000 | 7,881 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,288,000 | 5,187 |
| Total interest expense | $885,000 | 3,361 |
| Net interest income | $403,000 | 6,853 |
| Provision for loan and lease losses | $970,000 | 1,216 |
| Total noninterest income | $33,000 | 6,915 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $17,000 | 6,257 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $16,000 | 6,411 |
| Total noninterest expense | $1,543,000 | 3,067 |
| Salaries and employee benefits | $524,000 | 4,319 |
| Premises and equipment expense | $163,000 | 3,735 |
| Additional noninterest expense | $856,000 | 1,881 |
| Pre-tax net operating income | $-2,077,000 | 7,839 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-2,077,000 | 7,910 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,077,000 | 7,910 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-2,077,000 | 7,911 |
| Net charge-offs | $1,592,000 | 707 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 593 |
| Net operating income | $-2,077,000 | 7,909 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,551,000 | 4,672 |
| Total interest expense | $2,942,000 | 4,309 |
| Net interest income | $3,609,000 | 4,890 |
| Provision for loan and lease losses | $3,089,000 | 1,358 |
| Total noninterest income | $149,000 | 6,896 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $107,000 | 5,802 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $42,000 | 6,928 |
| Total noninterest expense | $15,255,000 | 1,282 |
| Salaries and employee benefits | $2,181,000 | 4,168 |
| Premises and equipment expense | $627,000 | 3,792 |
| Additional noninterest expense | $12,447,000 | 558 |
| Pre-tax net operating income | $-14,586,000 | 8,053 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,166,000 | 7,761 |
| Income before extraordinary items | $-13,420,000 | 8,046 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-13,420,000 | 8,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 4,104 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $143,000 | 870 |
| Net operating income | $-13,420,000 | 8,073 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,121,000 | 4,635 |
| Total interest expense | $1,994,000 | 4,718 |
| Net interest income | $3,127,000 | 4,496 |
| Provision for loan and lease losses | $2,275,000 | 1,086 |
| Total noninterest income | $127,000 | 6,826 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $101,000 | 5,512 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $26,000 | 7,229 |
| Total noninterest expense | $3,732,000 | 3,568 |
| Salaries and employee benefits | $1,609,000 | 4,241 |
| Premises and equipment expense | $472,000 | 3,793 |
| Additional noninterest expense | $1,651,000 | 2,552 |
| Pre-tax net operating income | $-2,753,000 | 7,983 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-978,000 | 8,041 |
| Income before extraordinary items | $-1,775,000 | 7,811 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,775,000 | 7,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,039 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 767 |
| Net operating income | $-1,775,000 | 7,890 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,337,000 | 4,764 |
| Total interest expense | $1,165,000 | 5,200 |
| Net interest income | $2,172,000 | 4,351 |
| Provision for loan and lease losses | $1,875,000 | 822 |
| Total noninterest income | $79,000 | 6,971 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $63,000 | 5,622 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $16,000 | 7,379 |
| Total noninterest expense | $2,529,000 | 3,540 |
| Salaries and employee benefits | $1,136,000 | 4,116 |
| Premises and equipment expense | $303,000 | 3,944 |
| Additional noninterest expense | $1,090,000 | 2,544 |
| Pre-tax net operating income | $-2,153,000 | 8,177 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-760,000 | 8,238 |
| Income before extraordinary items | $-1,393,000 | 8,124 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,393,000 | 8,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-65,000 | 8,304 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 679 |
| Net operating income | $-1,393,000 | 8,115 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,631,000 | 4,909 |
| Total interest expense | $572,000 | 5,421 |
| Net interest income | $1,059,000 | 4,433 |
| Provision for loan and lease losses | $133,000 | 2,332 |
| Total noninterest income | $42,000 | 6,902 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $34,000 | 5,506 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $8,000 | 7,392 |
| Total noninterest expense | $1,228,000 | 3,627 |
| Salaries and employee benefits | $564,000 | 4,163 |
| Premises and equipment expense | $148,000 | 4,024 |
| Additional noninterest expense | $516,000 | 2,649 |
| Pre-tax net operating income | $-260,000 | 7,850 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-93,000 | 8,124 |
| Income before extraordinary items | $-167,000 | 7,780 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-167,000 | 7,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,828 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 748 |
| Net operating income | $-167,000 | 7,742 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,990,000 | 5,234 |
| Total interest expense | $2,242,000 | 5,571 |
| Net interest income | $3,748,000 | 4,815 |
| Provision for loan and lease losses | $707,000 | 1,837 |
| Total noninterest income | $291,000 | 6,070 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $118,000 | 5,796 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $173,000 | 5,335 |
| Total noninterest expense | $3,537,000 | 4,482 |
| Salaries and employee benefits | $1,682,000 | 4,959 |
| Premises and equipment expense | $523,000 | 4,229 |
| Additional noninterest expense | $1,332,000 | 3,761 |
| Pre-tax net operating income | $-205,000 | 7,650 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-70,000 | 7,975 |
| Income before extraordinary items | $-135,000 | 7,657 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-135,000 | 7,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 2,496 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 1,110 |
| Net operating income | $-135,000 | 7,638 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,508,000 | 5,240 |
| Total interest expense | $1,635,000 | 5,660 |
| Net interest income | $2,873,000 | 4,784 |
| Provision for loan and lease losses | $376,000 | 1,952 |
| Total noninterest income | $229,000 | 6,054 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $84,000 | 5,898 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $145,000 | 5,158 |
| Total noninterest expense | $2,656,000 | 4,462 |
| Salaries and employee benefits | $1,325,000 | 4,779 |
| Premises and equipment expense | $371,000 | 4,385 |
| Additional noninterest expense | $960,000 | 3,825 |
| Pre-tax net operating income | $70,000 | 7,418 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $25,000 | 5,354 |
| Income before extraordinary items | $45,000 | 7,510 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $45,000 | 7,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 1,906 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,078 |
| Net operating income | $45,000 | 7,497 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,896,000 | 5,371 |
| Total interest expense | $1,017,000 | 5,828 |
| Net interest income | $1,879,000 | 4,860 |
| Provision for loan and lease losses | $200,000 | 2,152 |
| Total noninterest income | $178,000 | 5,812 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $56,000 | 5,910 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $122,000 | 4,722 |
| Total noninterest expense | $1,746,000 | 4,531 |
| Salaries and employee benefits | $846,000 | 4,949 |
| Premises and equipment expense | $221,000 | 4,726 |
| Additional noninterest expense | $679,000 | 3,645 |
| Pre-tax net operating income | $111,000 | 7,181 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $39,000 | 4,945 |
| Income before extraordinary items | $72,000 | 7,326 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $72,000 | 7,326 |
| 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 | $0 | 1,051 |
| Net operating income | $72,000 | 7,314 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,362,000 | 5,543 |
| Total interest expense | $465,000 | 6,024 |
| Net interest income | $897,000 | 5,003 |
| Provision for loan and lease losses | $100,000 | 2,001 |
| Total noninterest income | $85,000 | 5,851 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $32,000 | 5,690 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $53,000 | 4,993 |
| Total noninterest expense | $774,000 | 4,904 |
| Salaries and employee benefits | $425,000 | 4,966 |
| Premises and equipment expense | $84,000 | 5,553 |
| Additional noninterest expense | $265,000 | 4,350 |
| Pre-tax net operating income | $108,000 | 6,558 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $38,000 | 4,407 |
| Income before extraordinary items | $70,000 | 6,861 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $70,000 | 6,860 |
| 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 | $70,000 | 6,844 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,213,000 | 8,125 |
| Total interest expense | $399,000 | 8,100 |
| Net interest income | $814,000 | 8,077 |
| Provision for loan and lease losses | $62,000 | 5,291 |
| Total noninterest income | $80,000 | 7,945 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $27,000 | 7,192 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $53,000 | 7,187 |
| Total noninterest expense | $558,000 | 8,368 |
| Salaries and employee benefits | $334,000 | 8,304 |
| Premises and equipment expense | $63,000 | 8,213 |
| Additional noninterest expense | $161,000 | 8,311 |
| Pre-tax net operating income | $274,000 | 7,185 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $115,000 | 4,852 |
| Income before extraordinary items | $159,000 | 7,444 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $159,000 | 7,446 |
| 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 | $0 | 1,251 |
| Net operating income | $159,000 | 7,434 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $0 | 8,743 |
| Total interest expense | $0 | 8,731 |
| Net interest income | $0 | 8,740 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $0 | 8,684 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,609 |
| Total noninterest expense | $0 | 8,742 |
| Salaries and employee benefits | $0 | 8,718 |
| Premises and equipment expense | $0 | 8,712 |
| Additional noninterest expense | $0 | 8,740 |
| Pre-tax net operating income | $0 | 8,100 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $0 | 8,126 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $0 | 8,128 |
| 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 | $0 | 1,045 |
| Net operating income | $0 | 8,114 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,281,000 | 7,147 |
| Total interest expense | $524,000 | 6,759 |
| Net interest income | $757,000 | 7,280 |
| Provision for loan and lease losses | $75,000 | 3,786 |
| Total noninterest income | $110,000 | 6,811 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $57,000 | 6,055 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $53,000 | 6,289 |
| Total noninterest expense | $732,000 | 6,999 |
| Salaries and employee benefits | $443,000 | 6,722 |
| Premises and equipment expense | $85,000 | 7,068 |
| Additional noninterest expense | $204,000 | 7,060 |
| Pre-tax net operating income | $60,000 | 7,905 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $60,000 | 7,838 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $60,000 | 7,839 |
| 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 | $20,000 | 748 |
| Net operating income | $60,000 | 7,842 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $584,000 | 7,316 |
| Total interest expense | $227,000 | 6,988 |
| Net interest income | $357,000 | 7,412 |
| Provision for loan and lease losses | $37,000 | 3,640 |
| Total noninterest income | $58,000 | 6,685 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,069 |
| Total noninterest expense | $369,000 | 6,983 |
| Salaries and employee benefits | $228,000 | 6,676 |
| Premises and equipment expense | $41,000 | 7,158 |
| Additional noninterest expense | $100,000 | 7,083 |
| Pre-tax net operating income | $9,000 | 8,129 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $9,000 | 8,117 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $9,000 | 8,117 |
| 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 | $20,000 | 496 |
| Net operating income | $9,000 | 8,108 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,553,000 | 7,843 |
| Total interest expense | $503,000 | 7,610 |
| Net interest income | $1,050,000 | 7,872 |
| Provision for loan and lease losses | $152,000 | 4,097 |
| Total noninterest income | $209,000 | 6,997 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $122,000 | 5,971 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $87,000 | 6,625 |
| Total noninterest expense | $1,151,000 | 7,481 |
| Salaries and employee benefits | $635,000 | 7,499 |
| Premises and equipment expense | $155,000 | 7,213 |
| Additional noninterest expense | $361,000 | 7,305 |
| Pre-tax net operating income | $-44,000 | 8,293 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-44,000 | 8,329 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-44,000 | 8,329 |
| 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 | $124,000 | 698 |
| Net operating income | $-44,000 | 8,302 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,050,000 | 8,015 |
| Total interest expense | $322,000 | 7,797 |
| Net interest income | $728,000 | 8,029 |
| Provision for loan and lease losses | $123,000 | 3,842 |
| Total noninterest income | $151,000 | 7,078 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $93,000 | 5,984 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $826,000 | 7,564 |
| Salaries and employee benefits | $442,000 | 7,629 |
| Premises and equipment expense | $116,000 | 7,226 |
| Additional noninterest expense | $268,000 | 7,332 |
| Pre-tax net operating income | $-70,000 | 8,408 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-70,000 | 8,431 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-70,000 | 8,432 |
| 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 | $114,000 | 550 |
| Net operating income | $-70,000 | 8,401 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $646,000 | 8,131 |
| Total interest expense | $187,000 | 7,912 |
| Net interest income | $459,000 | 8,131 |
| Provision for loan and lease losses | $96,000 | 3,425 |
| Total noninterest income | $89,000 | 7,243 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $65,000 | 5,865 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $24,000 | 7,442 |
| Total noninterest expense | $548,000 | 7,583 |
| Salaries and employee benefits | $299,000 | 7,615 |
| Premises and equipment expense | $76,000 | 7,248 |
| Additional noninterest expense | $173,000 | 7,371 |
| Pre-tax net operating income | $-96,000 | 8,480 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-96,000 | 8,508 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-96,000 | 8,508 |
| 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 | $-96,000 | 8,485 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $294,000 | 8,295 |
| Total interest expense | $83,000 | 8,071 |
| Net interest income | $211,000 | 8,294 |
| Provision for loan and lease losses | $54,000 | 3,086 |
| Total noninterest income | $52,000 | 7,007 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $37,000 | 5,594 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,267 |
| Total noninterest expense | $275,000 | 7,626 |
| Salaries and employee benefits | $148,000 | 7,695 |
| Premises and equipment expense | $37,000 | 7,362 |
| Additional noninterest expense | $90,000 | 7,360 |
| Pre-tax net operating income | $-66,000 | 8,605 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-66,000 | 8,620 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-66,000 | 8,620 |
| 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 | $-66,000 | 8,597 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $583,000 | 8,713 |
| Total interest expense | $115,000 | 8,701 |
| Net interest income | $468,000 | 8,671 |
| Provision for loan and lease losses | $248,000 | 3,273 |
| Total noninterest income | $82,000 | 8,278 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $76,000 | 6,838 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,000 | 8,658 |
| Total noninterest expense | $946,000 | 7,910 |
| Salaries and employee benefits | $491,000 | 8,000 |
| Premises and equipment expense | $146,000 | 7,367 |
| Additional noninterest expense | $309,000 | 7,648 |
| Pre-tax net operating income | $-644,000 | 8,713 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-644,000 | 8,765 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-644,000 | 8,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,762 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-644,000 | 8,741 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $337,000 | 8,844 |
| Total interest expense | $61,000 | 8,827 |
| Net interest income | $276,000 | 8,811 |
| Provision for loan and lease losses | $205,000 | 2,947 |
| Total noninterest income | $53,000 | 8,448 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $50,000 | 7,060 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,783 |
| Total noninterest expense | $679,000 | 7,960 |
| Salaries and employee benefits | $354,000 | 8,046 |
| Premises and equipment expense | $109,000 | 7,352 |
| Additional noninterest expense | $216,000 | 7,779 |
| Pre-tax net operating income | $-555,000 | 8,794 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-555,000 | 8,831 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-555,000 | 8,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-555,000 | 8,808 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $146,000 | 8,977 |
| Total interest expense | $23,000 | 8,953 |
| Net interest income | $123,000 | 8,960 |
| Provision for loan and lease losses | $105,000 | 3,376 |
| Total noninterest income | $30,000 | 8,604 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $28,000 | 7,267 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $451,000 | 8,013 |
| Salaries and employee benefits | $231,000 | 8,136 |
| Premises and equipment expense | $72,000 | 7,418 |
| Additional noninterest expense | $148,000 | 7,761 |
| Pre-tax net operating income | $-403,000 | 8,858 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-403,000 | 8,898 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-403,000 | 8,899 |
| 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 | $0 | 638 |
| Net operating income | $-403,000 | 8,872 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $45,000 | 9,055 |
| Total interest expense | $2,000 | 9,054 |
| Net interest income | $43,000 | 9,034 |
| Provision for loan and lease losses | $28,000 | 4,432 |
| Total noninterest income | $10,000 | 8,794 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $10,000 | 7,505 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $224,000 | 8,070 |
| Salaries and employee benefits | $114,000 | 8,192 |
| Premises and equipment expense | $37,000 | 7,419 |
| Additional noninterest expense | $73,000 | 7,819 |
| Pre-tax net operating income | $-199,000 | 8,907 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-199,000 | 8,941 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-199,000 | 8,941 |
| 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 | $-199,000 | 8,911 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,000 | 9,171 |
| Total interest expense | $0 | 9,164 |
| Net interest income | $14,000 | 9,161 |
| Provision for loan and lease losses | $9,000 | 7,413 |
| Total noninterest income | $1,000 | 9,125 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,000 | 8,036 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $0 | 9,041 |
| Total noninterest expense | $171,000 | 9,141 |
| Salaries and employee benefits | $103,000 | 9,117 |
| Premises and equipment expense | $14,000 | 9,103 |
| Additional noninterest expense | $54,000 | 9,124 |
| Pre-tax net operating income | $-165,000 | 8,667 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-165,000 | 8,762 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-165,000 | 8,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 189 |
| Net operating income | $-165,000 | 8,689 |
* 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.