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Community National Bank, Income and Expense

2004-03-31 (YTD Data)		Rank
Total interest income	$754,000	6,466
Total interest expense	$202,000	6,330
Net interest income	$552,000	6,416
Provision for loan and lease losses	$0	6,501
Total noninterest income	$82,000	6,234
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$55,000	4,979
Trading account gains and fees	$0	121
Additional Noninterest Income	$27,000	6,301
Total noninterest expense	$552,000	5,712
Salaries and employee benefits	$237,000	6,506
Premises and equipment expense	$21,000	8,211
Additional noninterest expense	$294,000	3,801
Pre-tax net operating income	$82,000	7,438
Securities gains (losses)	$0	2,934
Applicable income taxes	$25,000	5,581
Income before extraordinary items	$57,000	7,638
Extraordinary gains, net	$0	16
Net income	$57,000	7,640
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	$57,000	7,564
2003-12-31 (YTD Data)		Rank
Total interest income	$746,000	8,792
Total interest expense	$210,000	8,716
Net interest income	$536,000	8,776
Provision for loan and lease losses	$48,000	6,339
Total noninterest income	$81,000	8,492
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$53,000	7,383
Trading account gains and fees	$0	160
Additional Noninterest Income	$28,000	8,187
Total noninterest expense	$491,000	8,850
Salaries and employee benefits	$239,000	8,932
Premises and equipment expense	$29,000	9,014
Additional noninterest expense	$223,000	8,284
Pre-tax net operating income	$78,000	8,282
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$78,000	8,328
Extraordinary gains, net	$0	54
Net income	$78,000	8,332
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	6,493
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$78,000	8,218
2003-09-30 (YTD Data)		Rank
Total interest income	$986,000	8,358
Total interest expense	$304,000	8,219
Net interest income	$682,000	8,323
Provision for loan and lease losses	$0	7,481
Total noninterest income	$152,000	7,380
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$69,000	6,736
Trading account gains and fees	$0	153
Additional Noninterest Income	$83,000	6,408
Total noninterest expense	$703,000	8,010
Salaries and employee benefits	$365,000	8,120
Premises and equipment expense	$38,000	8,797
Additional noninterest expense	$300,000	7,140
Pre-tax net operating income	$131,000	8,072
Securities gains (losses)	$0	4,204
Applicable income taxes	$53,000	6,165
Income before extraordinary items	$78,000	8,368
Extraordinary gains, net	$0	40
Net income	$78,000	8,370
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,781
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$78,000	8,244
2003-06-30 (YTD Data)		Rank
Total interest income	$251,000	9,075
Total interest expense	$79,000	8,995
Net interest income	$172,000	9,080
Provision for loan and lease losses	$0	7,324
Total noninterest income	$51,000	8,344
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$17,000	7,743
Trading account gains and fees	$0	150
Additional Noninterest Income	$34,000	7,176
Total noninterest expense	$154,000	9,150
Salaries and employee benefits	$68,000	9,179
Premises and equipment expense	$7,000	9,178
Additional noninterest expense	$79,000	8,741
Pre-tax net operating income	$69,000	8,234
Securities gains (losses)	$0	3,782
Applicable income taxes	$32,000	6,289
Income before extraordinary items	$37,000	8,530
Extraordinary gains, net	$0	30
Net income	$37,000	8,532
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,828
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$37,000	8,404
2003-03-31 (YTD Data)		Rank
Total interest income	$704,000	6,901
Total interest expense	$244,000	6,559
Net interest income	$460,000	6,901
Provision for loan and lease losses	$76,000	2,787
Total noninterest income	$95,000	6,020
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$61,000	4,717
Trading account gains and fees	$0	134
Additional Noninterest Income	$34,000	5,990
Total noninterest expense	$472,000	6,189
Salaries and employee benefits	$199,000	6,991
Premises and equipment expense	$28,000	7,948
Additional noninterest expense	$245,000	4,281
Pre-tax net operating income	$7,000	8,613
Securities gains (losses)	$20,000	1,898
Applicable income taxes	$15,000	6,300
Income before extraordinary items	$12,000	8,603
Extraordinary gains, net	$0	21
Net income	$12,000	8,600
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	3,852
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-800	8,668
2002-12-31 (YTD Data)		Rank
Total interest income	$3,093,000	6,764
Total interest expense	$1,127,000	6,598
Net interest income	$1,966,000	6,679
Provision for loan and lease losses	$142,000	5,042
Total noninterest income	$365,000	6,001
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$254,000	4,650
Trading account gains and fees	$0	153
Additional Noninterest Income	$111,000	6,234
Total noninterest expense	$1,738,000	6,377
Salaries and employee benefits	$744,000	7,107
Premises and equipment expense	$95,000	8,237
Additional noninterest expense	$899,000	4,548
Pre-tax net operating income	$451,000	6,960
Securities gains (losses)	$30,000	2,835
Applicable income taxes	$99,000	5,970
Income before extraordinary items	$382,000	6,925
Extraordinary gains, net	$0	70
Net income	$382,000	6,925
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$173,000	3,255
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$358,300	6,906
2001-12-31 (YTD Data)		Rank
Total interest income	$3,715,000	6,577
Total interest expense	$1,670,000	6,649
Net interest income	$2,045,000	6,370
Provision for loan and lease losses	$73,000	6,134
Total noninterest income	$362,000	5,940
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$244,000	4,701
Trading account gains and fees	$0	177
Additional Noninterest Income	$118,000	6,034
Total noninterest expense	$1,778,000	6,180
Salaries and employee benefits	$799,000	6,778
Premises and equipment expense	$105,000	8,216
Additional noninterest expense	$874,000	4,491
Pre-tax net operating income	$556,000	6,335
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$556,000	5,812
Extraordinary gains, net	$0	105
Net income	$556,000	5,815
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	4,283
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$556,000	5,691
2000-12-31 (YTD Data)		Rank
Total interest income	$3,721,000	6,706
Total interest expense	$1,873,000	6,471
Net interest income	$1,848,000	6,822
Provision for loan and lease losses	$141,000	4,529
Total noninterest income	$312,000	6,194
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$181,000	5,339
Trading account gains and fees	NA	NA
Additional Noninterest Income	$131,000	5,803
Total noninterest expense	$1,609,000	6,464
Salaries and employee benefits	$718,000	7,111
Premises and equipment expense	$144,000	7,690
Additional noninterest expense	$747,000	4,955
Pre-tax net operating income	$410,000	7,418
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$410,000	6,792
Extraordinary gains, net	$0	38
Net income	$410,000	6,790
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	5,771
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$410,000	6,801
1999-12-31 (YTD Data)		Rank
Total interest income	$3,592,000	6,734
Total interest expense	$1,830,000	6,296
Net interest income	$1,752,000	7,101
Provision for loan and lease losses	$173,000	3,934
Total noninterest income	$268,000	6,746
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$167,000	5,571
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	6,614
Total noninterest expense	$1,821,000	6,042
Salaries and employee benefits	$794,000	6,777
Premises and equipment expense	$143,000	7,784
Additional noninterest expense	$884,000	4,446
Pre-tax net operating income	$36,000	9,280
Securities gains (losses)	$-1,000	8,592
Applicable income taxes	$0	8,765
Income before extraordinary items	$35,000	9,304
Extraordinary gains, net	$0	35
Net income	$35,000	9,299
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$229,000	2,208
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$36,000	9,267
1998-12-31 (YTD Data)		Rank
Total interest income	$3,344,000	7,123
Total interest expense	$1,811,000	6,532
Net interest income	$1,533,000	7,613
Provision for loan and lease losses	$161,000	4,001
Total noninterest income	$256,000	6,931
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$168,000	5,635
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	6,932
Total noninterest expense	$1,545,000	6,564
Salaries and employee benefits	$748,000	6,928
Premises and equipment expense	$112,000	8,436
Additional noninterest expense	$685,000	5,248
Pre-tax net operating income	$83,000	9,479
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$83,000	9,448
Extraordinary gains, net	$0	32
Net income	$83,000	9,449
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	4,524
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$83,000	9,384
1997-12-31 (YTD Data)		Rank
Total interest income	$2,455,000	8,437
Total interest expense	$1,376,000	7,643
Net interest income	$1,079,000	8,994
Provision for loan and lease losses	$186,000	3,592
Total noninterest income	$150,000	8,575
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$111,000	6,965
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	8,910
Total noninterest expense	$1,240,000	7,531
Salaries and employee benefits	$585,000	8,019
Premises and equipment expense	$77,000	9,513
Additional noninterest expense	$578,000	5,948
Pre-tax net operating income	$-197,000	10,561
Securities gains (losses)	$3,000	3,097
Applicable income taxes	$0	10,065
Income before extraordinary items	$-194,000	10,602
Extraordinary gains, net	$0	44
Net income	$-194,000	10,602
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,485
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-197,000	10,579
1996-12-31 (YTD Data)		Rank
Total interest income	$1,575,000	10,007
Total interest expense	$861,000	9,446
Net interest income	$714,000	10,346
Provision for loan and lease losses	$104,000	5,004
Total noninterest income	$110,000	9,702
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	7,820
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,174
Total noninterest expense	$881,000	9,121
Salaries and employee benefits	$388,000	9,689
Premises and equipment expense	$75,000	9,952
Additional noninterest expense	$418,000	7,731
Pre-tax net operating income	$-161,000	11,027
Securities gains (losses)	$17,000	2,110
Applicable income taxes	$0	10,572
Income before extraordinary items	$-144,000	11,051
Extraordinary gains, net	$0	53
Net income	$-144,000	11,049
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	6,149
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-161,000	11,031
1995-12-31 (YTD Data)		Rank
Total interest income	$812,000	11,508
Total interest expense	$357,000	11,456
Net interest income	$455,000	11,503
Provision for loan and lease losses	$68,000	5,482
Total noninterest income	$49,000	11,359
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	9,556
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	11,496
Total noninterest expense	$707,000	10,161
Salaries and employee benefits	$329,000	10,509
Premises and equipment expense	$107,000	9,413
Additional noninterest expense	$271,000	9,586
Pre-tax net operating income	$-271,000	11,709
Securities gains (losses)	$10,000	2,384
Applicable income taxes	$0	11,151
Income before extraordinary items	$-261,000	11,714
Extraordinary gains, net	$0	65
Net income	$-261,000	11,712
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,876
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$-271,000	11,707
1994-12-31 (YTD Data)		Rank
Total interest income	$115,000	12,578
Total interest expense	$28,000	12,563
Net interest income	$87,000	12,573
Provision for loan and lease losses	$30,000	7,083
Total noninterest income	$2,000	12,529
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$2,000	10,827
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	12,536
Total noninterest expense	$379,000	12,118
Salaries and employee benefits	$199,000	12,079
Premises and equipment expense	$40,000	11,980
Additional noninterest expense	$140,000	11,916
Pre-tax net operating income	$-320,000	12,319
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$-320,000	12,289
Extraordinary gains, net	$0	249
Net income	$-320,000	12,287
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$3,901,000	208
Net operating income	$-320,000	12,304

* 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.