Home > Community Bank of Cape Coral > Income and Expense
Community Bank of Cape Coral, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,279,000 | 5,208 |
| Total interest expense | $757,000 | 3,748 |
| Net interest income | $522,000 | 6,322 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $40,000 | 6,659 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $19,000 | 6,115 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $21,000 | 6,118 |
| Total noninterest expense | $684,000 | 5,450 |
| Salaries and employee benefits | $328,000 | 5,749 |
| Premises and equipment expense | $148,000 | 4,012 |
| Additional noninterest expense | $208,000 | 5,499 |
| Pre-tax net operating income | $-122,000 | 6,715 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-46,000 | 7,409 |
| Income before extraordinary items | $-76,000 | 6,751 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-76,000 | 6,752 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-76,000 | 6,752 |
| Net charge-offs | $253,000 | 1,942 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-76,000 | 6,656 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,110,000 | 5,395 |
| Total interest expense | $2,798,000 | 4,449 |
| Net interest income | $2,312,000 | 6,082 |
| Provision for loan and lease losses | $2,467,000 | 1,579 |
| Total noninterest income | $7,000 | 8,042 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $76,000 | 6,237 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-69,000 | 8,113 |
| Total noninterest expense | $3,053,000 | 5,065 |
| Salaries and employee benefits | $1,567,000 | 5,206 |
| Premises and equipment expense | $614,000 | 3,868 |
| Additional noninterest expense | $872,000 | 5,236 |
| Pre-tax net operating income | $-3,201,000 | 7,624 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,196,000 | 7,765 |
| Income before extraordinary items | $-2,005,000 | 7,382 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,005,000 | 7,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,420,000 | 1,146 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,005,000 | 7,479 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,838,000 | 5,459 |
| Total interest expense | $2,034,000 | 4,658 |
| Net interest income | $1,804,000 | 6,042 |
| Provision for loan and lease losses | $1,455,000 | 1,463 |
| Total noninterest income | $89,000 | 7,227 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $52,000 | 6,400 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $37,000 | 6,915 |
| Total noninterest expense | $2,224,000 | 5,139 |
| Salaries and employee benefits | $1,205,000 | 5,139 |
| Premises and equipment expense | $472,000 | 3,793 |
| Additional noninterest expense | $547,000 | 5,678 |
| Pre-tax net operating income | $-1,786,000 | 7,815 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-665,000 | 7,947 |
| Income before extraordinary items | $-1,121,000 | 7,566 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,121,000 | 7,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,484,000 | 1,022 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,121,000 | 7,675 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,567,000 | 5,515 |
| Total interest expense | $1,328,000 | 4,840 |
| Net interest income | $1,239,000 | 5,985 |
| Provision for loan and lease losses | $780,000 | 1,437 |
| Total noninterest income | $49,000 | 7,514 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $35,000 | 6,396 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $14,000 | 7,482 |
| Total noninterest expense | $1,476,000 | 5,178 |
| Salaries and employee benefits | $809,000 | 5,175 |
| Premises and equipment expense | $315,000 | 3,818 |
| Additional noninterest expense | $352,000 | 5,761 |
| Pre-tax net operating income | $-968,000 | 7,887 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-360,000 | 8,107 |
| Income before extraordinary items | $-608,000 | 7,767 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-608,000 | 7,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $753,000 | 1,013 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-608,000 | 7,747 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,311,000 | 5,549 |
| Total interest expense | $695,000 | 4,898 |
| Net interest income | $616,000 | 6,034 |
| Provision for loan and lease losses | $880,000 | 687 |
| Total noninterest income | $37,000 | 7,068 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $18,000 | 6,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $19,000 | 6,522 |
| Total noninterest expense | $753,000 | 5,121 |
| Salaries and employee benefits | $416,000 | 5,125 |
| Premises and equipment expense | $158,000 | 3,825 |
| Additional noninterest expense | $179,000 | 5,687 |
| Pre-tax net operating income | $-980,000 | 8,267 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-367,000 | 8,330 |
| Income before extraordinary items | $-613,000 | 8,201 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-613,000 | 8,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $881,000 | 500 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-613,000 | 8,188 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,435,000 | 4,984 |
| Total interest expense | $3,686,000 | 4,213 |
| Net interest income | $2,749,000 | 5,717 |
| Provision for loan and lease losses | $1,693,000 | 954 |
| Total noninterest income | $183,000 | 6,862 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $71,000 | 6,428 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $112,000 | 6,039 |
| Total noninterest expense | $3,273,000 | 4,740 |
| Salaries and employee benefits | $1,565,000 | 5,175 |
| Premises and equipment expense | $639,000 | 3,674 |
| Additional noninterest expense | $1,069,000 | 4,426 |
| Pre-tax net operating income | $-2,034,000 | 8,280 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-758,000 | 8,374 |
| Income before extraordinary items | $-1,276,000 | 8,186 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,276,000 | 8,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,518,000 | 746 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $1,750,000 | 377 |
| Net operating income | $-1,276,000 | 8,179 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,951,000 | 4,920 |
| Total interest expense | $2,825,000 | 4,167 |
| Net interest income | $2,126,000 | 5,678 |
| Provision for loan and lease losses | $1,693,000 | 598 |
| Total noninterest income | $143,000 | 6,847 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $50,000 | 6,529 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $93,000 | 5,922 |
| Total noninterest expense | $2,272,000 | 4,946 |
| Salaries and employee benefits | $1,163,000 | 5,193 |
| Premises and equipment expense | $478,000 | 3,672 |
| Additional noninterest expense | $631,000 | 5,135 |
| Pre-tax net operating income | $-1,696,000 | 8,407 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-634,000 | 8,468 |
| Income before extraordinary items | $-1,062,000 | 8,343 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,062,000 | 8,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,369,000 | 529 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $648,000 | 369 |
| Net operating income | $-1,062,000 | 8,335 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,262,000 | 4,982 |
| Total interest expense | $1,840,000 | 4,235 |
| Net interest income | $1,422,000 | 5,710 |
| Provision for loan and lease losses | $290,000 | 1,607 |
| Total noninterest income | $72,000 | 7,263 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $31,000 | 6,626 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $41,000 | 6,570 |
| Total noninterest expense | $1,534,000 | 4,947 |
| Salaries and employee benefits | $788,000 | 5,183 |
| Premises and equipment expense | $320,000 | 3,677 |
| Additional noninterest expense | $426,000 | 5,074 |
| Pre-tax net operating income | $-330,000 | 8,176 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-122,000 | 8,405 |
| Income before extraordinary items | $-208,000 | 8,125 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-208,000 | 8,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 1,703 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $648,000 | 274 |
| Net operating income | $-208,000 | 8,116 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,627,000 | 4,980 |
| Total interest expense | $860,000 | 4,387 |
| Net interest income | $767,000 | 5,526 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $27,000 | 7,566 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $11,000 | 7,311 |
| Total noninterest expense | $749,000 | 5,023 |
| Salaries and employee benefits | $393,000 | 5,230 |
| Premises and equipment expense | $155,000 | 3,786 |
| Additional noninterest expense | $201,000 | 5,243 |
| Pre-tax net operating income | $45,000 | 7,346 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $18,000 | 4,999 |
| Income before extraordinary items | $27,000 | 7,509 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $27,000 | 7,508 |
| 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 | $648,000 | 158 |
| Net operating income | $27,000 | 7,493 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,111,000 | 4,947 |
| Total interest expense | $3,199,000 | 4,145 |
| Net interest income | $2,912,000 | 5,616 |
| Provision for loan and lease losses | $84,000 | 4,973 |
| Total noninterest income | $143,000 | 7,360 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $35,000 | 7,103 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $108,000 | 6,200 |
| Total noninterest expense | $2,856,000 | 5,043 |
| Salaries and employee benefits | $1,477,000 | 5,248 |
| Premises and equipment expense | $538,000 | 4,060 |
| Additional noninterest expense | $841,000 | 5,073 |
| Pre-tax net operating income | $115,000 | 7,659 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $51,000 | 5,432 |
| Income before extraordinary items | $64,000 | 7,804 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $64,000 | 7,805 |
| 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 | $216,000 | 751 |
| Net operating income | $64,000 | 7,796 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,482,000 | 5,013 |
| Total interest expense | $2,361,000 | 4,112 |
| Net interest income | $2,121,000 | 5,743 |
| Provision for loan and lease losses | $-10,000 | 8,472 |
| Total noninterest income | $114,000 | 7,349 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $21,000 | 7,256 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $93,000 | 5,976 |
| Total noninterest expense | $2,001,000 | 5,263 |
| Salaries and employee benefits | $1,095,000 | 5,259 |
| Premises and equipment expense | $364,000 | 4,360 |
| Additional noninterest expense | $542,000 | 5,535 |
| Pre-tax net operating income | $244,000 | 7,247 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $97,000 | 4,958 |
| Income before extraordinary items | $147,000 | 7,494 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $147,000 | 7,497 |
| 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 | $147,000 | 7,501 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,851,000 | 5,129 |
| Total interest expense | $1,501,000 | 4,113 |
| Net interest income | $1,350,000 | 5,904 |
| Provision for loan and lease losses | $-75,000 | 8,609 |
| Total noninterest income | $26,000 | 8,346 |
| 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 | $16,000 | 7,752 |
| Total noninterest expense | $1,277,000 | 5,409 |
| Salaries and employee benefits | $694,000 | 5,451 |
| Premises and equipment expense | $220,000 | 4,646 |
| Additional noninterest expense | $363,000 | 5,504 |
| Pre-tax net operating income | $174,000 | 7,239 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $68,000 | 4,956 |
| Income before extraordinary items | $106,000 | 7,488 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $106,000 | 7,489 |
| 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 | $0 | 887 |
| Net operating income | $106,000 | 7,495 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,341,000 | 5,267 |
| Total interest expense | $682,000 | 4,240 |
| Net interest income | $659,000 | 5,983 |
| Provision for loan and lease losses | $-50,000 | 8,624 |
| Total noninterest income | $12,000 | 8,372 |
| 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 | $8,000 | 7,731 |
| Total noninterest expense | $604,000 | 5,604 |
| Salaries and employee benefits | $326,000 | 5,675 |
| Premises and equipment expense | $102,000 | 4,892 |
| Additional noninterest expense | $176,000 | 5,577 |
| Pre-tax net operating income | $117,000 | 6,846 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $45,000 | 4,614 |
| Income before extraordinary items | $72,000 | 7,166 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $72,000 | 7,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $72,000 | 7,167 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,091,000 | 5,760 |
| Total interest expense | $1,763,000 | 4,802 |
| Net interest income | $2,328,000 | 6,235 |
| Provision for loan and lease losses | $356,000 | 2,493 |
| Total noninterest income | $37,000 | 8,501 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $11,000 | 7,582 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $26,000 | 7,968 |
| Total noninterest expense | $1,624,000 | 6,681 |
| Salaries and employee benefits | $959,000 | 6,486 |
| Premises and equipment expense | $195,000 | 6,771 |
| Additional noninterest expense | $470,000 | 6,740 |
| Pre-tax net operating income | $385,000 | 7,113 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $149,000 | 4,994 |
| Income before extraordinary items | $236,000 | 7,435 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $236,000 | 7,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,546 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 719 |
| Net operating income | $236,000 | 7,409 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,813,000 | 5,983 |
| Total interest expense | $1,197,000 | 4,941 |
| Net interest income | $1,616,000 | 6,465 |
| Provision for loan and lease losses | $242,000 | 2,600 |
| Total noninterest income | $27,000 | 8,565 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $7,000 | 7,652 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $20,000 | 7,975 |
| Total noninterest expense | $1,093,000 | 6,957 |
| Salaries and employee benefits | $664,000 | 6,679 |
| Premises and equipment expense | $121,000 | 7,144 |
| Additional noninterest expense | $308,000 | 7,039 |
| Pre-tax net operating income | $308,000 | 7,169 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $118,000 | 5,076 |
| Income before extraordinary items | $190,000 | 7,500 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $190,000 | 7,501 |
| 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 | $100,000 | 564 |
| Net operating income | $190,000 | 7,471 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,714,000 | 6,183 |
| Total interest expense | $742,000 | 4,980 |
| Net interest income | $972,000 | 6,733 |
| Provision for loan and lease losses | $181,000 | 2,297 |
| Total noninterest income | $20,000 | 8,542 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $4,000 | 7,684 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $16,000 | 7,844 |
| Total noninterest expense | $648,000 | 7,234 |
| Salaries and employee benefits | $403,000 | 6,895 |
| Premises and equipment expense | $79,000 | 7,176 |
| Additional noninterest expense | $166,000 | 7,447 |
| Pre-tax net operating income | $163,000 | 7,454 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $63,000 | 5,307 |
| Income before extraordinary items | $100,000 | 7,743 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $100,000 | 7,742 |
| 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 | $100,000 | 430 |
| Net operating income | $100,000 | 7,696 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $741,000 | 6,602 |
| Total interest expense | $347,000 | 5,082 |
| Net interest income | $394,000 | 7,282 |
| Provision for loan and lease losses | $107,000 | 1,919 |
| Total noninterest income | $5,000 | 8,734 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $2,000 | 7,752 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $298,000 | 7,461 |
| Salaries and employee benefits | $194,000 | 7,062 |
| Premises and equipment expense | $35,000 | 7,470 |
| Additional noninterest expense | $69,000 | 7,823 |
| Pre-tax net operating income | $-6,000 | 8,461 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-2,000 | 8,643 |
| Income before extraordinary items | $-4,000 | 8,464 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-4,000 | 8,464 |
| 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 | $100,000 | 260 |
| Net operating income | $-4,000 | 8,440 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $559,000 | 8,724 |
| Total interest expense | $219,000 | 8,398 |
| Net interest income | $340,000 | 8,788 |
| Provision for loan and lease losses | $324,000 | 2,768 |
| Total noninterest income | $2,000 | 8,892 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,000 | 7,877 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,000 | 8,793 |
| Total noninterest expense | $751,000 | 8,243 |
| Salaries and employee benefits | $372,000 | 8,388 |
| Premises and equipment expense | $66,000 | 8,404 |
| Additional noninterest expense | $313,000 | 7,627 |
| Pre-tax net operating income | $-733,000 | 8,737 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-274,000 | 8,852 |
| Income before extraordinary items | $-459,000 | 8,701 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-459,000 | 8,703 |
| 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 | $8,000,000 | 150 |
| Net operating income | $-459,000 | 8,672 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $136,000 | 8,950 |
| Total interest expense | $39,000 | 8,888 |
| Net interest income | $97,000 | 8,947 |
| Provision for loan and lease losses | $172,000 | 3,310 |
| Total noninterest income | $0 | 8,980 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 8,890 |
| Total noninterest expense | $478,000 | 8,447 |
| Salaries and employee benefits | $211,000 | 8,670 |
| Premises and equipment expense | $35,000 | 8,659 |
| Additional noninterest expense | $232,000 | 7,648 |
| Pre-tax net operating income | $-553,000 | 8,793 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-209,000 | 8,913 |
| Income before extraordinary items | $-344,000 | 8,750 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-344,000 | 8,752 |
| 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 | $8,000,000 | 113 |
| Net operating income | $-344,000 | 8,727 |
* 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.