Continental Community Bank and Trust Company, Income and Expense

2004-06-30 (YTD Data)Rank
Total interest income$3,651,0003,655
Total interest expense$2,065,0001,921
Net interest income$1,586,0005,231
Provision for loan and lease losses$593,000864
Total noninterest income$317,0004,679
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$158,0004,210
Trading account gains and fees$0130
Additional Noninterest Income$159,0004,193
Total noninterest expense$2,681,0002,902
Salaries and employee benefits$1,171,0003,525
Premises and equipment expense$415,0002,703
Additional noninterest expense$1,095,0002,212
Pre-tax net operating income$-1,371,0009,024
Securities gains (losses)$12,0002,314
Applicable income taxes$07,214
Income before extraordinary items$-1,359,0009,032
Extraordinary gains, net$021
Net income$-1,359,0009,033
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-258,0009,013
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$-1,371,0009,022
2004-03-31 (YTD Data)Rank
Total interest income$1,811,0003,690
Total interest expense$1,058,0001,887
Net interest income$753,0005,404
Provision for loan and lease losses$488,000533
Total noninterest income$186,0004,225
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$89,0003,861
Trading account gains and fees$0121
Additional Noninterest Income$97,0003,782
Total noninterest expense$1,378,0002,847
Salaries and employee benefits$608,0003,420
Premises and equipment expense$220,0002,567
Additional noninterest expense$550,0002,158
Pre-tax net operating income$-927,0009,081
Securities gains (losses)$8,0002,145
Applicable income taxes$07,103
Income before extraordinary items$-919,0009,088
Extraordinary gains, net$016
Net income$-919,0009,088
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-275,0009,071
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$-927,0009,076
2003-12-31 (YTD Data)Rank
Total interest income$9,369,0003,004
Total interest expense$4,784,0001,871
Net interest income$4,585,0003,947
Provision for loan and lease losses$2,626,000537
Total noninterest income$2,079,0002,269
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$672,0002,445
Trading account gains and fees$0160
Additional Noninterest Income$1,407,0001,907
Total noninterest expense$6,642,0002,362
Salaries and employee benefits$3,077,0002,708
Premises and equipment expense$1,087,0002,091
Additional noninterest expense$2,478,0001,943
Pre-tax net operating income$-2,604,0009,106
Securities gains (losses)$770,000567
Applicable income taxes$530,0003,280
Income before extraordinary items$-2,364,0009,126
Extraordinary gains, net$054
Net income$-2,364,0009,127
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,659,000348
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$-3,134,0009,116
2003-09-30 (YTD Data)Rank
Total interest income$7,359,0002,922
Total interest expense$3,640,0001,921
Net interest income$3,719,0003,724
Provision for loan and lease losses$2,156,000503
Total noninterest income$931,0003,281
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$557,0002,263
Trading account gains and fees$0153
Additional Noninterest Income$374,0003,657
Total noninterest expense$4,896,0002,409
Salaries and employee benefits$2,241,0002,781
Premises and equipment expense$833,0002,064
Additional noninterest expense$1,822,0001,967
Pre-tax net operating income$-2,402,0009,172
Securities gains (losses)$719,000551
Applicable income taxes$530,0002,930
Income before extraordinary items$-2,213,0009,200
Extraordinary gains, net$040
Net income$-2,213,0009,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,928,000333
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$-2,932,0009,179
2003-06-30 (YTD Data)Rank
Total interest income$5,090,0002,838
Total interest expense$2,483,0001,938
Net interest income$2,607,0003,580
Provision for loan and lease losses$646,000931
Total noninterest income$625,0003,243
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$376,0002,206
Trading account gains and fees$0150
Additional Noninterest Income$249,0003,634
Total noninterest expense$3,361,0002,334
Salaries and employee benefits$1,468,0002,834
Premises and equipment expense$566,0002,023
Additional noninterest expense$1,327,0001,814
Pre-tax net operating income$-775,0009,132
Securities gains (losses)$265,000882
Applicable income taxes$190,0004,074
Income before extraordinary items$-700,0009,174
Extraordinary gains, net$030
Net income$-700,0009,173
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$856,000571
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$-965,0009,159
2003-03-31 (YTD Data)Rank
Total interest income$2,656,0002,748
Total interest expense$1,320,0001,864
Net interest income$1,336,0003,500
Provision for loan and lease losses$226,0001,205
Total noninterest income$308,0003,185
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$189,0002,117
Trading account gains and fees$0134
Additional Noninterest Income$119,0003,615
Total noninterest expense$1,701,0002,286
Salaries and employee benefits$714,0002,907
Premises and equipment expense$285,0002,004
Additional noninterest expense$702,0001,678
Pre-tax net operating income$-283,0009,132
Securities gains (losses)$184,000691
Applicable income taxes$07,403
Income before extraordinary items$-99,0009,032
Extraordinary gains, net$021
Net income$-99,0009,028
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$346,000635
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$-283,0009,122
2002-12-31 (YTD Data)Rank
Total interest income$10,870,0002,797
Total interest expense$6,413,0001,779
Net interest income$4,457,0004,024
Provision for loan and lease losses$2,749,000584
Total noninterest income$1,513,0002,601
Gross Fiduciary activities income$20,0001,286
Service charges on deposit accounts$662,0002,357
Trading account gains and fees$0153
Additional Noninterest Income$831,0002,447
Total noninterest expense$7,784,0001,940
Salaries and employee benefits$3,169,0002,491
Premises and equipment expense$1,131,0001,953
Additional noninterest expense$3,484,0001,366
Pre-tax net operating income$-4,563,0009,311
Securities gains (losses)$931,000444
Applicable income taxes$1,363,0001,786
Income before extraordinary items$-4,995,0009,323
Extraordinary gains, net$070
Net income$-4,995,0009,322
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,027,000436
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-5,926,0009,310
2001-12-31 (YTD Data)Rank
Total interest income$13,248,0002,580
Total interest expense$7,129,0002,250
Net interest income$6,119,0002,898
Provision for loan and lease losses$5,741,000326
Total noninterest income$2,281,0001,816
Gross Fiduciary activities income$325,000708
Service charges on deposit accounts$888,0001,705
Trading account gains and fees$0177
Additional Noninterest Income$1,068,0001,943
Total noninterest expense$7,295,0001,965
Salaries and employee benefits$3,341,0002,246
Premises and equipment expense$1,019,0002,092
Additional noninterest expense$2,935,0001,581
Pre-tax net operating income$-4,626,0009,564
Securities gains (losses)$516,000599
Applicable income taxes$-1,796,0009,575
Income before extraordinary items$-2,314,0009,537
Extraordinary gains, net$0105
Net income$-2,314,0009,538
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,283,000299
Cash dividends$180,0005,124
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-2,644,2409,528
2000-12-31 (YTD Data)Rank
Total interest income$15,052,0002,325
Total interest expense$6,600,0002,533
Net interest income$8,452,0002,096
Provision for loan and lease losses$4,618,000340
Total noninterest income$1,524,0002,316
Gross Fiduciary activities income$294,000719
Service charges on deposit accounts$767,0001,813
Trading account gains and fees$0180
Additional Noninterest Income$463,0003,077
Total noninterest expense$6,856,0002,019
Salaries and employee benefits$3,384,0002,114
Premises and equipment expense$871,0002,375
Additional noninterest expense$2,601,0001,706
Pre-tax net operating income$-1,498,0009,790
Securities gains (losses)$-38,0009,069
Applicable income taxes$-705,0009,817
Income before extraordinary items$-831,0009,693
Extraordinary gains, net$038
Net income$-831,0009,692
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,900,000319
Cash dividends$180,0005,278
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-806,6809,685
1999-12-31 (YTD Data)Rank
Total interest income$13,536,0002,415
Total interest expense$5,231,0002,796
Net interest income$8,305,0002,119
Provision for loan and lease losses$823,0001,164
Total noninterest income$1,300,0002,533
Gross Fiduciary activities income$282,000786
Service charges on deposit accounts$665,0001,996
Trading account gains and fees$0173
Additional Noninterest Income$353,0003,682
Total noninterest expense$8,316,0001,656
Salaries and employee benefits$3,764,0001,852
Premises and equipment expense$878,0002,314
Additional noninterest expense$3,674,0001,254
Pre-tax net operating income$466,0007,293
Securities gains (losses)$111,000702
Applicable income taxes$177,0005,953
Income before extraordinary items$400,0006,994
Extraordinary gains, net$035
Net income$400,0006,992
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$564,0001,112
Cash dividends$580,0003,234
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$323,4107,425
1998-12-31 (YTD Data)Rank
Total interest income$11,679,0002,771
Total interest expense$5,331,0002,824
Net interest income$6,348,0002,706
Provision for loan and lease losses$428,0001,951
Total noninterest income$1,089,0002,897
Gross Fiduciary activities income$290,000789
Service charges on deposit accounts$596,0002,152
Trading account gains and fees$0224
Additional Noninterest Income$203,0004,918
Total noninterest expense$6,137,0002,130
Salaries and employee benefits$3,340,0002,016
Premises and equipment expense$647,0002,974
Additional noninterest expense$2,150,0001,971
Pre-tax net operating income$872,0005,831
Securities gains (losses)$13,0002,771
Applicable income taxes$235,0005,782
Income before extraordinary items$650,0005,820
Extraordinary gains, net$032
Net income$650,0005,819
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$488,0001,279
Cash dividends$181,0005,529
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$640,5105,752
1997-12-31 (YTD Data)Rank
Total interest income$11,439,0002,860
Total interest expense$5,159,0002,896
Net interest income$6,280,0002,781
Provision for loan and lease losses$407,0002,071
Total noninterest income$1,130,0002,765
Gross Fiduciary activities income$292,000814
Service charges on deposit accounts$597,0002,204
Trading account gains and fees$0239
Additional Noninterest Income$241,0004,467
Total noninterest expense$5,454,0002,367
Salaries and employee benefits$3,303,0001,989
Premises and equipment expense$540,0003,455
Additional noninterest expense$1,611,0002,548
Pre-tax net operating income$1,549,0004,375
Securities gains (losses)$40,0001,476
Applicable income taxes$480,0004,331
Income before extraordinary items$1,109,0004,335
Extraordinary gains, net$044
Net income$1,109,0004,336
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$72,0004,456
Cash dividends$2,943,000967
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,081,0004,355
1996-12-31 (YTD Data)Rank
Total interest income$10,420,0003,157
Total interest expense$4,374,0003,408
Net interest income$6,046,0002,935
Provision for loan and lease losses$769,0001,237
Total noninterest income$1,218,0002,657
Gross Fiduciary activities income$308,000850
Service charges on deposit accounts$648,0002,086
Trading account gains and fees$0262
Additional Noninterest Income$262,0004,411
Total noninterest expense$5,332,0002,561
Salaries and employee benefits$3,188,0002,095
Premises and equipment expense$548,0003,500
Additional noninterest expense$1,596,0002,973
Pre-tax net operating income$1,163,0005,230
Securities gains (losses)$58,0001,248
Applicable income taxes$334,0005,483
Income before extraordinary items$887,0004,925
Extraordinary gains, net$053
Net income$887,0004,926
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,203,000802
Cash dividends$380,0004,013
Sale, conversion, retirement of capital stock, net$0953
Net operating income$844,6605,043
1995-12-31 (YTD Data)Rank
Total interest income$11,169,0002,974
Total interest expense$4,714,0003,180
Net interest income$6,455,0002,765
Provision for loan and lease losses$2,048,000566
Total noninterest income$1,377,0002,434
Gross Fiduciary activities income$293,000910
Service charges on deposit accounts$140,0006,882
Trading account gains and fees$0522
Additional Noninterest Income$944,0001,872
Total noninterest expense$5,548,0002,450
Salaries and employee benefits$3,184,0002,087
Premises and equipment expense$488,0003,837
Additional noninterest expense$1,876,0002,544
Pre-tax net operating income$236,00010,219
Securities gains (losses)$-19,00010,530
Applicable income taxes$-68,00011,672
Income before extraordinary items$285,0009,085
Extraordinary gains, net$065
Net income$285,0009,091
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,706,000631
Cash dividends$180,0005,723
Sale, conversion, retirement of capital stock, net$0809
Net operating income$304,0008,873
1994-12-31 (YTD Data)Rank
Total interest income$10,943,0002,777
Total interest expense$4,861,0002,528
Net interest income$6,082,0002,964
Provision for loan and lease losses$680,0001,227
Total noninterest income$1,132,0002,835
Gross Fiduciary activities income$295,000908
Service charges on deposit accounts$593,0002,299
Trading account gains and fees$0475
Additional Noninterest Income$244,0004,661
Total noninterest expense$4,681,0002,955
Salaries and employee benefits$2,701,0002,477
Premises and equipment expense$442,0004,223
Additional noninterest expense$1,538,0003,225
Pre-tax net operating income$1,853,0003,655
Securities gains (losses)$66,000993
Applicable income taxes$570,0003,659
Income before extraordinary items$1,349,0003,485
Extraordinary gains, net$0249
Net income$1,349,0003,491
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$651,0001,147
Cash dividends$480,0003,320
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,302,8003,631
1993-12-31 (YTD Data)Rank
Total interest income$11,087,0002,797
Total interest expense$5,404,0002,390
Net interest income$5,683,0003,186
Provision for loan and lease losses$1,160,0001,179
Total noninterest income$1,168,0002,962
Gross Fiduciary activities income$291,000950
Service charges on deposit accounts$654,0002,091
Trading account gains and fees$0532
Additional Noninterest Income$223,0005,343
Total noninterest expense$4,644,0003,039
Salaries and employee benefits$2,708,0002,458
Premises and equipment expense$455,0004,216
Additional noninterest expense$1,481,0003,543
Pre-tax net operating income$1,047,0005,712
Securities gains (losses)$219,0001,593
Applicable income taxes$355,0005,435
Income before extraordinary items$911,0005,048
Extraordinary gains, net$03,149
Net income$911,0005,198
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$632,0001,541
Cash dividends$180,0005,679
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$753,3205,564
1992-12-31 (YTD Data)Rank
Total interest income$11,156,0003,147
Total interest expense$5,702,0002,923
Net interest income$5,454,0003,356
Provision for loan and lease losses$528,0002,881
Total noninterest income$1,117,0003,021
Gross Fiduciary activities income$265,0001,000
Service charges on deposit accounts$586,0002,350
Trading account gains and fees$0504
Additional Noninterest Income$266,0004,770
Total noninterest expense$4,052,0003,453
Salaries and employee benefits$2,426,0002,674
Premises and equipment expense$551,0003,643
Additional noninterest expense$1,075,0004,770
Pre-tax net operating income$1,991,0003,115
Securities gains (losses)$103,0002,957
Applicable income taxes$680,0003,063
Income before extraordinary items$1,414,0003,244
Extraordinary gains, net$01,422
Net income$1,414,0003,283
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$702,0001,974
Cash dividends$982,0001,601
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,343,9603,170

* 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.