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Community Savings Bank, Income and Expense

2005-03-31 (YTD Data)		Rank
Total interest income	$846,000	6,224
Total interest expense	$393,000	4,737
Net interest income	$453,000	6,957
Provision for loan and lease losses	$20,000	4,626
Total noninterest income	$54,000	6,948
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$28,000	6,092
Trading account gains and fees	$0	115
Additional Noninterest Income	$26,000	6,409
Total noninterest expense	$518,000	5,981
Salaries and employee benefits	$258,000	6,273
Premises and equipment expense	$99,000	4,901
Additional noninterest expense	$161,000	5,778
Pre-tax net operating income	$-31,000	8,533
Securities gains (losses)	$-1,000	8,158
Applicable income taxes	$0	6,892
Income before extraordinary items	$-32,000	8,556
Extraordinary gains, net	$0	24
Net income	$-32,000	8,556
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,435
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-31,000	8,525
2004-12-31 (YTD Data)		Rank
Total interest income	$3,492,000	5,976
Total interest expense	$1,546,000	4,432
Net interest income	$1,946,000	6,701
Provision for loan and lease losses	$572,000	1,749
Total noninterest income	$290,000	6,477
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$113,000	6,287
Trading account gains and fees	$0	138
Additional Noninterest Income	$177,000	5,360
Total noninterest expense	$1,856,000	6,274
Salaries and employee benefits	$958,000	6,423
Premises and equipment expense	$369,000	5,036
Additional noninterest expense	$529,000	6,380
Pre-tax net operating income	$-192,000	8,530
Securities gains (losses)	$22,000	2,338
Applicable income taxes	$6,000	6,889
Income before extraordinary items	$-176,000	8,565
Extraordinary gains, net	$0	34
Net income	$-176,000	8,567
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$518,000	1,302
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$-198,000	8,553
2004-09-30 (YTD Data)		Rank
Total interest income	$2,587,000	6,014
Total interest expense	$1,176,000	4,346
Net interest income	$1,411,000	6,807
Provision for loan and lease losses	$452,000	1,571
Total noninterest income	$222,000	6,484
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$85,000	6,315
Trading account gains and fees	$0	134
Additional Noninterest Income	$137,000	5,322
Total noninterest expense	$1,350,000	6,319
Salaries and employee benefits	$723,000	6,372
Premises and equipment expense	$253,000	5,299
Additional noninterest expense	$374,000	6,516
Pre-tax net operating income	$-169,000	8,632
Securities gains (losses)	$22,000	2,247
Applicable income taxes	$6,000	6,914
Income before extraordinary items	$-153,000	8,656
Extraordinary gains, net	$0	26
Net income	$-153,000	8,658
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$481,000	987
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-175,000	8,633
2004-06-30 (YTD Data)		Rank
Total interest income	$1,682,000	6,111
Total interest expense	$789,000	4,324
Net interest income	$893,000	6,968
Provision for loan and lease losses	$105,000	3,376
Total noninterest income	$159,000	6,337
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$54,000	6,404
Trading account gains and fees	$0	130
Additional Noninterest Income	$105,000	5,079
Total noninterest expense	$896,000	6,371
Salaries and employee benefits	$466,000	6,524
Premises and equipment expense	$183,000	5,061
Additional noninterest expense	$247,000	6,570
Pre-tax net operating income	$51,000	8,238
Securities gains (losses)	$0	3,413
Applicable income taxes	$6,000	6,827
Income before extraordinary items	$45,000	8,269
Extraordinary gains, net	$0	21
Net income	$45,000	8,271
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	2,617
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$45,000	8,207
2004-03-31 (YTD Data)		Rank
Total interest income	$849,000	6,091
Total interest expense	$397,000	4,362
Net interest income	$452,000	6,964
Provision for loan and lease losses	$26,000	4,484
Total noninterest income	$64,000	6,737
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$23,000	6,604
Trading account gains and fees	$0	121
Additional Noninterest Income	$41,000	5,508
Total noninterest expense	$462,000	6,312
Salaries and employee benefits	$242,000	6,445
Premises and equipment expense	$94,000	5,013
Additional noninterest expense	$126,000	6,532
Pre-tax net operating income	$28,000	8,212
Securities gains (losses)	$0	2,934
Applicable income taxes	$2,000	6,854
Income before extraordinary items	$26,000	8,220
Extraordinary gains, net	$0	16
Net income	$26,000	8,220
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,968
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$26,000	8,151
2003-12-31 (YTD Data)		Rank
Total interest income	$3,323,000	6,194
Total interest expense	$1,578,000	4,730
Net interest income	$1,745,000	6,999
Provision for loan and lease losses	$120,000	4,933
Total noninterest income	$384,000	6,051
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$76,000	6,964
Trading account gains and fees	$0	160
Additional Noninterest Income	$308,000	4,457
Total noninterest expense	$1,743,000	6,447
Salaries and employee benefits	$928,000	6,503
Premises and equipment expense	$346,000	5,207
Additional noninterest expense	$469,000	6,733
Pre-tax net operating income	$266,000	7,569
Securities gains (losses)	$49,000	2,531
Applicable income taxes	$19,000	6,818
Income before extraordinary items	$296,000	7,295
Extraordinary gains, net	$0	54
Net income	$296,000	7,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	5,141
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$249,940	7,391
2003-09-30 (YTD Data)		Rank
Total interest income	$2,453,000	6,310
Total interest expense	$1,182,000	4,858
Net interest income	$1,271,000	7,101
Provision for loan and lease losses	$105,000	4,577
Total noninterest income	$338,000	5,754
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$55,000	7,074
Trading account gains and fees	$0	153
Additional Noninterest Income	$283,000	4,138
Total noninterest expense	$1,231,000	6,616
Salaries and employee benefits	$625,000	6,806
Premises and equipment expense	$264,000	5,147
Additional noninterest expense	$342,000	6,781
Pre-tax net operating income	$273,000	7,317
Securities gains (losses)	$41,000	2,488
Applicable income taxes	$16,000	6,892
Income before extraordinary items	$298,000	6,959
Extraordinary gains, net	$0	40
Net income	$298,000	6,961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	4,410
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$259,050	7,036
2003-06-30 (YTD Data)		Rank
Total interest income	$1,608,000	6,411
Total interest expense	$790,000	4,963
Net interest income	$818,000	7,217
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$215,000	5,841
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$36,000	7,105
Trading account gains and fees	$0	150
Additional Noninterest Income	$179,000	4,239
Total noninterest expense	$777,000	6,792
Salaries and employee benefits	$385,000	7,036
Premises and equipment expense	$177,000	5,101
Additional noninterest expense	$215,000	6,954
Pre-tax net operating income	$196,000	7,245
Securities gains (losses)	$37,000	2,231
Applicable income taxes	$12,000	6,875
Income before extraordinary items	$221,000	6,770
Extraordinary gains, net	$0	30
Net income	$221,000	6,774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	3,562
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$185,850	6,919
2003-03-31 (YTD Data)		Rank
Total interest income	$757,000	6,662
Total interest expense	$400,000	5,037
Net interest income	$357,000	7,562
Provision for loan and lease losses	$15,000	5,504
Total noninterest income	$111,000	5,652
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$17,000	7,137
Trading account gains and fees	$0	134
Additional Noninterest Income	$94,000	4,045
Total noninterest expense	$359,000	7,051
Salaries and employee benefits	$183,000	7,188
Premises and equipment expense	$75,000	5,636
Additional noninterest expense	$101,000	7,129
Pre-tax net operating income	$94,000	7,282
Securities gains (losses)	$30,000	1,696
Applicable income taxes	$6,000	6,816
Income before extraordinary items	$118,000	6,585
Extraordinary gains, net	$0	21
Net income	$118,000	6,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	2,406
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$89,500	6,955
2002-12-31 (YTD Data)		Rank
Total interest income	$3,010,000	6,853
Total interest expense	$1,529,000	5,669
Net interest income	$1,481,000	7,465
Provision for loan and lease losses	$50,000	6,677
Total noninterest income	$231,000	7,022
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$47,000	7,581
Trading account gains and fees	$0	153
Additional Noninterest Income	$184,000	5,193
Total noninterest expense	$1,274,000	7,307
Salaries and employee benefits	$665,000	7,433
Premises and equipment expense	$264,000	5,954
Additional noninterest expense	$345,000	7,507
Pre-tax net operating income	$388,000	7,211
Securities gains (losses)	$36,000	2,681
Applicable income taxes	$22,000	7,002
Income before extraordinary items	$402,000	6,835
Extraordinary gains, net	$0	70
Net income	$402,000	6,834
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,420
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$367,800	6,869
2001-12-31 (YTD Data)		Rank
Total interest income	$2,843,000	7,411
Total interest expense	$1,607,000	6,767
Net interest income	$1,236,000	7,814
Provision for loan and lease losses	$102,000	5,556
Total noninterest income	$168,000	7,656
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$45,000	7,695
Trading account gains and fees	$0	177
Additional Noninterest Income	$123,000	5,948
Total noninterest expense	$1,139,000	7,606
Salaries and employee benefits	$634,000	7,509
Premises and equipment expense	$182,000	7,035
Additional noninterest expense	$323,000	7,685
Pre-tax net operating income	$163,000	8,052
Securities gains (losses)	$0	4,612
Applicable income taxes	$8,000	7,657
Income before extraordinary items	$155,000	7,995
Extraordinary gains, net	$0	105
Net income	$155,000	7,997
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,344
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$155,000	7,880
2000-12-31 (YTD Data)		Rank
Total interest income	$2,346,000	8,074
Total interest expense	$1,474,000	7,220
Net interest income	$872,000	8,748
Provision for loan and lease losses	$92,000	5,481
Total noninterest income	$94,000	8,678
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	8,055
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	7,397
Total noninterest expense	$835,000	8,462
Salaries and employee benefits	$444,000	8,524
Premises and equipment expense	$152,000	7,569
Additional noninterest expense	$239,000	8,427
Pre-tax net operating income	$39,000	8,997
Securities gains (losses)	$-6,000	8,044
Applicable income taxes	$4,000	8,229
Income before extraordinary items	$29,000	9,035
Extraordinary gains, net	$0	38
Net income	$29,000	9,033
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$34,280	8,999
1999-12-31 (YTD Data)		Rank
Total interest income	$1,494,000	9,078
Total interest expense	$919,000	8,397
Net interest income	$575,000	9,551
Provision for loan and lease losses	$74,000	5,823
Total noninterest income	$47,000	9,627
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$23,000	8,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	9,087
Total noninterest expense	$714,000	8,991
Salaries and employee benefits	$291,000	9,515
Premises and equipment expense	$175,000	7,220
Additional noninterest expense	$248,000	8,575
Pre-tax net operating income	$-166,000	9,595
Securities gains (losses)	$0	3,155
Applicable income taxes	$-62,000	9,857
Income before extraordinary items	$-104,000	9,580
Extraordinary gains, net	$0	35
Net income	$-104,000	9,578
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,495
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-104,000	9,558
1998-12-31 (YTD Data)		Rank
Total interest income	$642,000	10,132
Total interest expense	$424,000	9,857
Net interest income	$218,000	10,282
Provision for loan and lease losses	$36,000	7,078
Total noninterest income	$56,000	9,756
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	8,901
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	8,232
Total noninterest expense	$477,000	9,857
Salaries and employee benefits	$200,000	10,105
Premises and equipment expense	$135,000	7,968
Additional noninterest expense	$142,000	9,733
Pre-tax net operating income	$-239,000	10,025
Securities gains (losses)	$1,000	4,151
Applicable income taxes	$-88,000	10,204
Income before extraordinary items	$-150,000	9,999
Extraordinary gains, net	$0	32
Net income	$-150,000	9,995
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-150,640	9,965
1997-12-31 (YTD Data)		Rank
Total interest income	$58,000	10,898
Total interest expense	$22,000	10,857
Net interest income	$36,000	10,899
Provision for loan and lease losses	$12,000	8,256
Total noninterest income	$0	10,883
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	10,861
Total noninterest expense	$164,000	10,856
Salaries and employee benefits	$65,000	10,864
Premises and equipment expense	$36,000	10,506
Additional noninterest expense	$63,000	10,776
Pre-tax net operating income	$-140,000	10,522
Securities gains (losses)	$0	3,944
Applicable income taxes	$-52,000	10,629
Income before extraordinary items	$-88,000	10,509
Extraordinary gains, net	$0	44
Net income	$-88,000	10,511
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$2,000,000	366
Net operating income	$-88,000	10,477

* 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.