Deposit Insurance National Bank of New Baltimore, Income and Expense

2009-12-31 (YTD Data)		Rank
Total interest income	$8,199,000	3,755
Total interest expense	$3,081,000	3,346
Net interest income	$5,118,000	3,886
Provision for loan and lease losses	$7,654,000	1,060
Total noninterest income	$-1,312,000	7,948
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$584,000	2,589
Trading account gains and fees	$0	211
Additional Noninterest Income	$-1,896,000	7,946
Total noninterest expense	$7,660,000	2,574
Salaries and employee benefits	$3,133,000	3,052
Premises and equipment expense	$878,000	2,882
Additional noninterest expense	$3,649,000	2,000
Pre-tax net operating income	$-11,508,000	7,542
Securities gains (losses)	$178,000	1,640
Applicable income taxes	$0	4,388
Income before extraordinary items	$-11,330,000	7,595
Extraordinary gains, net	$0	34
Net income	$-11,330,000	7,594
Minority interest net income	$0	115
Net income of bank and minority interests.	$-11,330,000	7,594
Net charge-offs	$5,899,000	1,008
Cash dividends	$150,000	3,873
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-11,508,000	7,609

* 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.