Home > Detroit Commerce Bank > Income and Expense

Detroit Commerce Bank, Income and Expense

2008-12-31 (YTD Data)		Rank
Total interest income	$6,858,000	4,541
Total interest expense	$3,023,000	4,230
Net interest income	$3,835,000	4,709
Provision for loan and lease losses	$3,077,000	1,362
Total noninterest income	$183,000	6,611
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$69,000	6,353
Trading account gains and fees	$0	154
Additional Noninterest Income	$114,000	5,743
Total noninterest expense	$3,411,000	4,721
Salaries and employee benefits	$1,697,000	4,975
Premises and equipment expense	$443,000	4,797
Additional noninterest expense	$1,271,000	4,100
Pre-tax net operating income	$-2,470,000	7,482
Securities gains (losses)	$0	3,220
Applicable income taxes	$-823,000	7,647
Income before extraordinary items	$-1,647,000	7,253
Extraordinary gains, net	$0	39
Net income	$-1,647,000	7,250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,955,000	1,309
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-1,647,000	7,359
2008-09-30 (YTD Data)		Rank
Total interest income	$5,273,000	4,543
Total interest expense	$2,419,000	4,170
Net interest income	$2,854,000	4,770
Provision for loan and lease losses	$2,166,000	1,120
Total noninterest income	$128,000	6,818
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$49,000	6,461
Trading account gains and fees	$0	148
Additional Noninterest Income	$79,000	5,968
Total noninterest expense	$2,559,000	4,705
Salaries and employee benefits	$1,298,000	4,933
Premises and equipment expense	$331,000	4,822
Additional noninterest expense	$930,000	4,098
Pre-tax net operating income	$-1,743,000	7,805
Securities gains (losses)	$0	3,106
Applicable income taxes	$-581,000	7,916
Income before extraordinary items	$-1,162,000	7,581
Extraordinary gains, net	$0	31
Net income	$-1,162,000	7,579
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,839,000	872
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-1,162,000	7,691
2008-06-30 (YTD Data)		Rank
Total interest income	$3,673,000	4,475
Total interest expense	$1,770,000	4,063
Net interest income	$1,903,000	4,775
Provision for loan and lease losses	$2,002,000	791
Total noninterest income	$95,000	6,735
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$34,000	6,431
Trading account gains and fees	$0	149
Additional Noninterest Income	$61,000	5,834
Total noninterest expense	$1,694,000	4,755
Salaries and employee benefits	$869,000	4,940
Premises and equipment expense	$221,000	4,859
Additional noninterest expense	$604,000	4,178
Pre-tax net operating income	$-1,698,000	8,120
Securities gains (losses)	$0	3,233
Applicable income taxes	$-567,000	8,198
Income before extraordinary items	$-1,131,000	8,042
Extraordinary gains, net	$0	21
Net income	$-1,131,000	8,042
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,442,000	680
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-1,131,000	8,028
2008-03-31 (YTD Data)		Rank
Total interest income	$1,906,000	4,468
Total interest expense	$1,008,000	3,900
Net interest income	$898,000	4,955
Provision for loan and lease losses	$1,501,000	476
Total noninterest income	$32,000	7,250
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	$14,000	6,895
Total noninterest expense	$859,000	4,726
Salaries and employee benefits	$427,000	5,043
Premises and equipment expense	$110,000	4,886
Additional noninterest expense	$322,000	3,907
Pre-tax net operating income	$-1,430,000	8,326
Securities gains (losses)	$0	2,688
Applicable income taxes	$-482,000	8,353
Income before extraordinary items	$-948,000	8,296
Extraordinary gains, net	$0	15
Net income	$-948,000	8,296
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,294,000	386
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-948,000	8,285
2007-12-31 (YTD Data)		Rank
Total interest income	$8,855,000	4,080
Total interest expense	$4,299,000	3,826
Net interest income	$4,556,000	4,263
Provision for loan and lease losses	$830,000	1,634
Total noninterest income	$228,000	6,547
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$73,000	6,396
Trading account gains and fees	$0	178
Additional Noninterest Income	$155,000	5,525
Total noninterest expense	$3,561,000	4,460
Salaries and employee benefits	$2,087,000	4,262
Premises and equipment expense	$425,000	4,844
Additional noninterest expense	$1,049,000	4,497
Pre-tax net operating income	$393,000	6,289
Securities gains (losses)	$0	2,146
Applicable income taxes	$152,000	4,116
Income before extraordinary items	$241,000	6,647
Extraordinary gains, net	$0	39
Net income	$241,000	6,647
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$810,000	1,197
Cash dividends	$300,000	4,401
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$241,000	6,628
2007-09-30 (YTD Data)		Rank
Total interest income	$6,580,000	4,123
Total interest expense	$3,189,000	3,862
Net interest income	$3,391,000	4,304
Provision for loan and lease losses	$283,000	2,398
Total noninterest income	$206,000	6,242
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$54,000	6,449
Trading account gains and fees	$0	184
Additional Noninterest Income	$152,000	5,065
Total noninterest expense	$2,669,000	4,449
Salaries and employee benefits	$1,574,000	4,217
Premises and equipment expense	$320,000	4,814
Additional noninterest expense	$775,000	4,475
Pre-tax net operating income	$645,000	5,293
Securities gains (losses)	$0	1,655
Applicable income taxes	$232,000	3,526
Income before extraordinary items	$413,000	5,768
Extraordinary gains, net	$0	33
Net income	$413,000	5,765
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$468,000	1,139
Cash dividends	$200,000	4,096
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$413,000	5,753
2007-06-30 (YTD Data)		Rank
Total interest income	$4,372,000	4,154
Total interest expense	$2,095,000	3,907
Net interest income	$2,277,000	4,315
Provision for loan and lease losses	$-30,000	8,406
Total noninterest income	$170,000	5,899
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$36,000	6,482
Trading account gains and fees	$0	168
Additional Noninterest Income	$134,000	4,530
Total noninterest expense	$1,795,000	4,453
Salaries and employee benefits	$1,063,000	4,221
Premises and equipment expense	$214,000	4,817
Additional noninterest expense	$518,000	4,466
Pre-tax net operating income	$682,000	4,373
Securities gains (losses)	$0	1,444
Applicable income taxes	$239,000	3,033
Income before extraordinary items	$443,000	4,839
Extraordinary gains, net	$0	29
Net income	$443,000	4,838
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$133,000	1,751
Cash dividends	$100,000	4,292
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$443,000	4,837
2007-03-31 (YTD Data)		Rank
Total interest income	$2,155,000	4,178
Total interest expense	$1,041,000	3,907
Net interest income	$1,114,000	4,377
Provision for loan and lease losses	$-1,000	8,375
Total noninterest income	$163,000	4,444
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$19,000	6,411
Trading account gains and fees	$0	195
Additional Noninterest Income	$144,000	3,096
Total noninterest expense	$910,000	4,412
Salaries and employee benefits	$553,000	4,120
Premises and equipment expense	$107,000	4,842
Additional noninterest expense	$250,000	4,540
Pre-tax net operating income	$368,000	4,196
Securities gains (losses)	$0	1,187
Applicable income taxes	$128,000	2,948
Income before extraordinary items	$240,000	4,657
Extraordinary gains, net	$0	22
Net income	$240,000	4,659
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	2,588
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$240,000	4,643
2006-12-31 (YTD Data)		Rank
Total interest income	$7,747,000	4,281
Total interest expense	$3,275,000	4,096
Net interest income	$4,472,000	4,360
Provision for loan and lease losses	$320,000	2,647
Total noninterest income	$886,000	3,811
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$49,000	6,910
Trading account gains and fees	$0	130
Additional Noninterest Income	$837,000	2,510
Total noninterest expense	$3,588,000	4,321
Salaries and employee benefits	$1,791,000	4,632
Premises and equipment expense	$403,000	4,890
Additional noninterest expense	$1,394,000	3,494
Pre-tax net operating income	$1,450,000	4,361
Securities gains (losses)	$0	1,687
Applicable income taxes	$508,000	3,141
Income before extraordinary items	$942,000	4,840
Extraordinary gains, net	$0	51
Net income	$942,000	4,843
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	3,304
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$942,000	4,831
2006-09-30 (YTD Data)		Rank
Total interest income	$5,618,000	4,361
Total interest expense	$2,239,000	4,244
Net interest income	$3,379,000	4,369
Provision for loan and lease losses	$195,000	2,911
Total noninterest income	$835,000	3,305
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$33,000	7,063
Trading account gains and fees	$0	126
Additional Noninterest Income	$802,000	2,128
Total noninterest expense	$2,794,000	4,180
Salaries and employee benefits	$1,330,000	4,634
Premises and equipment expense	$294,000	5,010
Additional noninterest expense	$1,170,000	3,202
Pre-tax net operating income	$1,225,000	4,250
Securities gains (losses)	$0	1,388
Applicable income taxes	$430,000	3,070
Income before extraordinary items	$795,000	4,711
Extraordinary gains, net	$0	45
Net income	$795,000	4,715
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000	2,554
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$795,000	4,703
2006-06-30 (YTD Data)		Rank
Total interest income	$3,601,000	4,425
Total interest expense	$1,392,000	4,307
Net interest income	$2,209,000	4,427
Provision for loan and lease losses	$66,000	3,960
Total noninterest income	$714,000	2,795
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$21,000	7,132
Trading account gains and fees	$0	126
Additional Noninterest Income	$693,000	1,777
Total noninterest expense	$2,034,000	3,962
Salaries and employee benefits	$884,000	4,665
Premises and equipment expense	$192,000	5,050
Additional noninterest expense	$958,000	2,671
Pre-tax net operating income	$823,000	4,261
Securities gains (losses)	$0	1,185
Applicable income taxes	$284,000	3,120
Income before extraordinary items	$539,000	4,701
Extraordinary gains, net	$0	39
Net income	$539,000	4,705
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,074
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$539,000	4,694
2006-03-31 (YTD Data)		Rank
Total interest income	$1,673,000	4,596
Total interest expense	$655,000	4,342
Net interest income	$1,018,000	4,659
Provision for loan and lease losses	$44,000	3,457
Total noninterest income	$420,000	2,479
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$10,000	7,160
Trading account gains and fees	$0	115
Additional Noninterest Income	$410,000	1,547
Total noninterest expense	$1,185,000	3,511
Salaries and employee benefits	$463,000	4,536
Premises and equipment expense	$90,000	5,271
Additional noninterest expense	$632,000	2,063
Pre-tax net operating income	$209,000	5,749
Securities gains (losses)	$0	955
Applicable income taxes	$73,000	3,988
Income before extraordinary items	$136,000	6,161
Extraordinary gains, net	$0	21
Net income	$136,000	6,161
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,481
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$136,000	6,159
2005-12-31 (YTD Data)		Rank
Total interest income	$5,760,000	4,715
Total interest expense	$1,872,000	4,630
Net interest income	$3,888,000	4,706
Provision for loan and lease losses	$332,000	2,616
Total noninterest income	$706,000	4,358
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$43,000	7,182
Trading account gains and fees	$0	138
Additional Noninterest Income	$663,000	2,862
Total noninterest expense	$3,279,000	4,500
Salaries and employee benefits	$1,504,000	5,039
Premises and equipment expense	$358,000	5,209
Additional noninterest expense	$1,417,000	3,375
Pre-tax net operating income	$983,000	5,403
Securities gains (losses)	$0	2,296
Applicable income taxes	$350,000	3,910
Income before extraordinary items	$633,000	5,884
Extraordinary gains, net	$0	46
Net income	$633,000	5,888
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	4,747
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$633,000	5,852
2005-09-30 (YTD Data)		Rank
Total interest income	$4,132,000	4,808
Total interest expense	$1,302,000	4,708
Net interest income	$2,830,000	4,808
Provision for loan and lease losses	$231,000	2,668
Total noninterest income	$534,000	4,358
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$35,000	7,182
Trading account gains and fees	$0	126
Additional Noninterest Income	$499,000	2,887
Total noninterest expense	$2,452,000	4,487
Salaries and employee benefits	$1,114,000	5,061
Premises and equipment expense	$267,000	5,208
Additional noninterest expense	$1,071,000	3,325
Pre-tax net operating income	$681,000	5,703
Securities gains (losses)	$0	2,317
Applicable income taxes	$244,000	4,125
Income before extraordinary items	$437,000	6,185
Extraordinary gains, net	$0	35
Net income	$437,000	6,190
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	4,299
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$437,000	6,150
2005-06-30 (YTD Data)		Rank
Total interest income	$2,605,000	4,926
Total interest expense	$786,000	4,833
Net interest income	$1,819,000	4,914
Provision for loan and lease losses	$146,000	2,745
Total noninterest income	$395,000	4,083
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$22,000	7,213
Trading account gains and fees	$0	116
Additional Noninterest Income	$373,000	2,658
Total noninterest expense	$1,669,000	4,400
Salaries and employee benefits	$748,000	5,032
Premises and equipment expense	$176,000	5,238
Additional noninterest expense	$745,000	3,196
Pre-tax net operating income	$399,000	5,986
Securities gains (losses)	$0	2,146
Applicable income taxes	$143,000	4,322
Income before extraordinary items	$256,000	6,463
Extraordinary gains, net	$0	30
Net income	$256,000	6,465
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	3,534
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$256,000	6,414
2005-03-31 (YTD Data)		Rank
Total interest income	$1,226,000	5,114
Total interest expense	$353,000	5,035
Net interest income	$873,000	5,050
Provision for loan and lease losses	$50,000	3,171
Total noninterest income	$187,000	4,152
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$11,000	7,233
Trading account gains and fees	$0	115
Additional Noninterest Income	$176,000	2,694
Total noninterest expense	$785,000	4,614
Salaries and employee benefits	$375,000	5,042
Premises and equipment expense	$87,000	5,339
Additional noninterest expense	$323,000	3,585
Pre-tax net operating income	$225,000	5,694
Securities gains (losses)	$0	1,685
Applicable income taxes	$80,000	4,116
Income before extraordinary items	$145,000	6,171
Extraordinary gains, net	$0	24
Net income	$145,000	6,172
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	3,734
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$145,000	6,128
2004-12-31 (YTD Data)		Rank
Total interest income	$3,735,000	5,776
Total interest expense	$858,000	6,075
Net interest income	$2,877,000	5,533
Provision for loan and lease losses	$288,000	3,013
Total noninterest income	$295,000	6,442
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$55,000	7,212
Trading account gains and fees	$0	138
Additional Noninterest Income	$240,000	4,720
Total noninterest expense	$2,615,000	5,141
Salaries and employee benefits	$1,328,000	5,353
Premises and equipment expense	$320,000	5,489
Additional noninterest expense	$967,000	4,464
Pre-tax net operating income	$269,000	7,548
Securities gains (losses)	$0	3,819
Applicable income taxes	$106,000	5,453
Income before extraordinary items	$163,000	7,820
Extraordinary gains, net	$0	34
Net income	$163,000	7,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	4,036
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$163,000	7,779
2004-09-30 (YTD Data)		Rank
Total interest income	$2,610,000	5,993
Total interest expense	$597,000	6,263
Net interest income	$2,013,000	5,776
Provision for loan and lease losses	$206,000	2,939
Total noninterest income	$150,000	7,191
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$43,000	7,213
Trading account gains and fees	$0	134
Additional Noninterest Income	$107,000	5,792
Total noninterest expense	$1,842,000	5,333
Salaries and employee benefits	$916,000	5,612
Premises and equipment expense	$232,000	5,560
Additional noninterest expense	$694,000	4,560
Pre-tax net operating income	$115,000	8,057
Securities gains (losses)	$0	3,710
Applicable income taxes	$48,000	5,989
Income before extraordinary items	$67,000	8,242
Extraordinary gains, net	$0	26
Net income	$67,000	8,245
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	4,640
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$67,000	8,200
2004-06-30 (YTD Data)		Rank
Total interest income	$1,614,000	6,223
Total interest expense	$366,000	6,499
Net interest income	$1,248,000	6,030
Provision for loan and lease losses	$90,000	3,641
Total noninterest income	$44,000	8,319
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$28,000	7,267
Trading account gains and fees	$0	130
Additional Noninterest Income	$16,000	7,964
Total noninterest expense	$1,143,000	5,587
Salaries and employee benefits	$572,000	5,832
Premises and equipment expense	$153,000	5,605
Additional noninterest expense	$418,000	4,914
Pre-tax net operating income	$59,000	8,199
Securities gains (losses)	$0	3,413
Applicable income taxes	$24,000	6,179
Income before extraordinary items	$35,000	8,353
Extraordinary gains, net	$0	21
Net income	$35,000	8,356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	3,880
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$35,000	8,285
2004-03-31 (YTD Data)		Rank
Total interest income	$733,000	6,564
Total interest expense	$182,000	6,586
Net interest income	$551,000	6,420
Provision for loan and lease losses	$50,000	3,283
Total noninterest income	$34,000	7,816
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$15,000	7,174
Trading account gains and fees	$0	121
Additional Noninterest Income	$19,000	6,892
Total noninterest expense	$519,000	5,930
Salaries and employee benefits	$277,000	5,980
Premises and equipment expense	$74,000	5,726
Additional noninterest expense	$168,000	5,640
Pre-tax net operating income	$16,000	8,360
Securities gains (losses)	$0	2,934
Applicable income taxes	$7,000	6,445
Income before extraordinary items	$9,000	8,487
Extraordinary gains, net	$0	16
Net income	$9,000	8,488
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	2,675
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$9,000	8,423
2003-12-31 (YTD Data)		Rank
Total interest income	$2,235,000	7,338
Total interest expense	$910,000	6,384
Net interest income	$1,325,000	7,620
Provision for loan and lease losses	$591,000	1,906
Total noninterest income	$93,000	8,378
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$62,000	7,233
Trading account gains and fees	$0	160
Additional Noninterest Income	$31,000	8,089
Total noninterest expense	$1,509,000	6,869
Salaries and employee benefits	$670,000	7,415
Premises and equipment expense	$255,000	6,127
Additional noninterest expense	$584,000	6,080
Pre-tax net operating income	$-682,000	8,889
Securities gains (losses)	$0	4,500
Applicable income taxes	$-242,000	9,034
Income before extraordinary items	$-440,000	8,883
Extraordinary gains, net	$0	54
Net income	$-440,000	8,883
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$623,000	1,350
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-440,000	8,821
2003-09-30 (YTD Data)		Rank
Total interest income	$1,604,000	7,502
Total interest expense	$676,000	6,556
Net interest income	$928,000	7,820
Provision for loan and lease losses	$533,000	1,574
Total noninterest income	$75,000	8,365
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$48,000	7,257
Trading account gains and fees	$0	153
Additional Noninterest Income	$27,000	7,963
Total noninterest expense	$1,055,000	7,063
Salaries and employee benefits	$464,000	7,586
Premises and equipment expense	$190,000	6,129
Additional noninterest expense	$401,000	6,330
Pre-tax net operating income	$-585,000	8,992
Securities gains (losses)	$0	4,204
Applicable income taxes	$-207,000	9,124
Income before extraordinary items	$-378,000	8,983
Extraordinary gains, net	$0	40
Net income	$-378,000	8,984
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$586,000	1,031
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-378,000	8,921
2003-06-30 (YTD Data)		Rank
Total interest income	$1,022,000	7,632
Total interest expense	$447,000	6,698
Net interest income	$575,000	7,976
Provision for loan and lease losses	$379,000	1,471
Total noninterest income	$46,000	8,450
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$23,000	7,567
Trading account gains and fees	$0	150
Additional Noninterest Income	$23,000	7,664
Total noninterest expense	$700,000	7,089
Salaries and employee benefits	$308,000	7,626
Premises and equipment expense	$122,000	6,222
Additional noninterest expense	$270,000	6,303
Pre-tax net operating income	$-458,000	9,053
Securities gains (losses)	$0	3,782
Applicable income taxes	$-161,000	9,169
Income before extraordinary items	$-297,000	9,065
Extraordinary gains, net	$0	30
Net income	$-297,000	9,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$521,000	823
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-297,000	8,997
2003-03-31 (YTD Data)		Rank
Total interest income	$490,000	7,785
Total interest expense	$207,000	6,979
Net interest income	$283,000	8,054
Provision for loan and lease losses	$0	6,934
Total noninterest income	$28,000	8,245
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$12,000	7,514
Trading account gains and fees	$0	134
Additional Noninterest Income	$16,000	7,254
Total noninterest expense	$349,000	7,130
Salaries and employee benefits	$160,000	7,547
Premises and equipment expense	$59,000	6,332
Additional noninterest expense	$130,000	6,413
Pre-tax net operating income	$-38,000	8,858
Securities gains (losses)	$0	2,891
Applicable income taxes	$-16,000	9,107
Income before extraordinary items	$-22,000	8,883
Extraordinary gains, net	$0	21
Net income	$-22,000	8,880
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	2,377
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-22,000	8,781
2002-12-31 (YTD Data)		Rank
Total interest income	$2,189,000	7,658
Total interest expense	$816,000	7,462
Net interest income	$1,373,000	7,633
Provision for loan and lease losses	$791,000	1,650
Total noninterest income	$99,000	8,417
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$84,000	6,861
Trading account gains and fees	$0	153
Additional Noninterest Income	$15,000	8,719
Total noninterest expense	$1,481,000	6,885
Salaries and employee benefits	$678,000	7,369
Premises and equipment expense	$239,000	6,281
Additional noninterest expense	$564,000	6,136
Pre-tax net operating income	$-800,000	9,079
Securities gains (losses)	$0	4,537
Applicable income taxes	$-283,000	9,182
Income before extraordinary items	$-517,000	9,040
Extraordinary gains, net	$0	70
Net income	$-517,000	9,039
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$515,000	1,621
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-517,000	8,996
2001-12-31 (YTD Data)		Rank
Total interest income	$2,536,000	7,708
Total interest expense	$1,364,000	7,266
Net interest income	$1,172,000	7,944
Provision for loan and lease losses	$277,000	3,387
Total noninterest income	$84,000	8,728
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$73,000	7,109
Trading account gains and fees	$0	177
Additional Noninterest Income	$11,000	9,089
Total noninterest expense	$1,321,000	7,187
Salaries and employee benefits	$559,000	7,862
Premises and equipment expense	$262,000	5,939
Additional noninterest expense	$500,000	6,439
Pre-tax net operating income	$-342,000	9,067
Securities gains (losses)	$0	4,612
Applicable income taxes	$-155,000	9,339
Income before extraordinary items	$-187,000	9,038
Extraordinary gains, net	$0	105
Net income	$-187,000	9,040
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$171,000	3,149
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-187,000	8,981
2000-12-31 (YTD Data)		Rank
Total interest income	$2,362,000	8,057
Total interest expense	$1,205,000	7,796
Net interest income	$1,157,000	8,168
Provision for loan and lease losses	$36,000	6,984
Total noninterest income	$47,000	9,376
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	8,310
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	8,541
Total noninterest expense	$1,152,000	7,620
Salaries and employee benefits	$473,000	8,384
Premises and equipment expense	$238,000	6,221
Additional noninterest expense	$441,000	6,839
Pre-tax net operating income	$16,000	9,065
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$16,000	9,084
Extraordinary gains, net	$0	38
Net income	$16,000	9,083
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	$16,000	9,072
1999-12-31 (YTD Data)		Rank
Total interest income	$1,598,000	8,943
Total interest expense	$898,000	8,444
Net interest income	$700,000	9,281
Provision for loan and lease losses	$203,000	3,527
Total noninterest income	$31,000	9,843
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	8,712
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	9,132
Total noninterest expense	$1,042,000	8,000
Salaries and employee benefits	$371,000	9,051
Premises and equipment expense	$221,000	6,486
Additional noninterest expense	$450,000	6,899
Pre-tax net operating income	$-514,000	9,857
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$-514,000	9,904
Extraordinary gains, net	$0	35
Net income	$-514,000	9,902
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-514,000	9,884
1998-12-31 (YTD Data)		Rank
Total interest income	$24,000	10,450
Total interest expense	$18,000	10,389
Net interest income	$6,000	10,453
Provision for loan and lease losses	$6,000	8,399
Total noninterest income	$0	10,416
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	10,383
Total noninterest expense	$32,000	10,455
Salaries and employee benefits	$1,000	10,447
Premises and equipment expense	$6,000	10,409
Additional noninterest expense	$25,000	10,440
Pre-tax net operating income	$-32,000	9,847
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$-32,000	9,883
Extraordinary gains, net	$0	32
Net income	$-32,000	9,882
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	$3,000,000	324
Net operating income	$-32,000	9,844

* 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.